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    Super Cheap

    • Chitré, Panama
    • Santa Marta, Colombia
    • Phuket, Thailand
    • Dumaguete, The Philippines

    Cheap

    • Medellin, Colombia
    • Boquete, Panama
    • Kyrenia, Cyprus
    • Hua Hin, Thailand
    • The Algarve, Portugal

    Affordable

    • Valencia, Spain
    • Cascais, Portugal
    • Las Terrenas, The DR
    • Pisa, Italy
    • La Rochelle, France
    • Mazatlán, Mexico

    Luxury

    • Ambergris Caye, Belize
    • Kotor, Montenegro
    • The Panama City Beaches
    • Paris, France
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  • Home
  • Countries

    Top Destinations:

    Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

    • Spain
    • Portugal
    • Panama
    • Belize
    • Colombia
    • Cyprus
    • Mexico
    • France
    • Montenegro
    • Browse All Countries

    Best For:

    • The Best Places To Retire
    • Health Care Abroad
    • Cost Of Living
    • Investing in Real Estate
    • Establishing Residency
    • Gun Laws In The World
    • English-Speaking Countries
    • Safest Places For Retirement
    • Best Places In Latin America
  • Budgets

    How Much Will It Cost You To Live Overseas?

    The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

    Super Cheap

    • Chitré, Panama
    • Santa Marta, Colombia
    • Phuket, Thailand
    • Dumaguete, The Philippines

    Cheap

    • Medellin, Colombia
    • Boquete, Panama
    • Kyrenia, Cyprus
    • Hua Hin, Thailand
    • The Algarve, Portugal

    Affordable

    • Valencia, Spain
    • Cascais, Portugal
    • Las Terrenas, The DR
    • Pisa, Italy
    • La Rochelle, France
    • Mazatlán, Mexico

    Luxury

    • Ambergris Caye, Belize
    • Kotor, Montenegro
    • The Panama City Beaches
    • Paris, France
  • Resources

    Global Living

    • Living & Retiring Overseas
    • Raising A Family Abroad
    • Foreign Residency & Citizenship
    • Offshore & Diversification

    Making Money

    • International Real Estate
    • Banking
    • Employment
    • Investing

    Follow Us:

    • Meet Our Experts
  • Real Estate

    Buying Real Estate For Cashflow

    • Discover tips and strategies used by global property investing veterans

    Explore Our Latest Posts

    • Learn how to invest and purchase property abroad…

    Go To The Overseas Property Alert Site

    • How To Become Independently Wealthy And Fund The Lifestyle Of Your Dreams
  • Conferences

    Upcoming Events

    • Explore Our Events Site

    Live and Invest In Spain Conference

    Offshore Wealth Summit

    Greece Workshop

    VALENCIA, SPAIN

    Sep. 17-19, 2025

    PANAMA CITY, PANAMA

    Oct. 15-17, 2025

    VIRTUAL

    Nov. 13, 2025

    Learn More About This Event
    Learn More About This Event
    PRE-REGISTER
    Learn More About This Event
    PRE-REGISTER
    • MORE EVENTS

    Contact Our Events Team

    Toll-Free U.S. and Canada:
    1 (888) 627 8834
    From Outside North America:
    1 (443) 599 1221
    Working Hours
    Monday – Friday 08:00 am – 17:00 pm EST.

    Reach us with your questions by email at: events@liveandinvestoverseas.com

  • Store

    Unlock The World

    • Access Your Library

    Overseas Havens Reports

    • Expats' comprehensive destination guides

    Conference Kits

    • Hours of coverage  from our latests conferences

    Lahardan Books

    • Titles on living and investing around the world
    • Explore Our Store
    Your passport to a life well-lived abroad

    Services

    overseas living letter offers affordable retirement guidance
    The Simon Letter Wealth Protection Insights
    Global Property Advisor Global Investment Opportunities

    Our Customer Service team is here to assist with any questions or concerns CustomerService@LiveandInvestOverseas.com

  • My Library
Live and Invest Overseas
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THE 10 BEST PLACES TO RETIRE IN 2025

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Home Retirement/Living

5 Best Places To Retire Overseas In 2024

by Kathleen Peddicord
May 12, 2024
in Retirement/Living
0 0
Umbrellas on Balos beach on Crete island, Greece

AdobeStock/gorelovs

If there’s one thing I know after more than 35 years covering the live, retire, and do business abroad beat, it’s that the world is full of excellent options for overseas retirement.

There are so many options, in fact, that it’s easy to become overwhelmed.

To help make sense of the breadth of opportunity available, each year here at Live And Invest Overseas, we produce the Overseas Retirement Index, an in-depth report that presents a short-list of recommended havens for retirement abroad.

It takes the criteria that are most important to retirees when it comes to international relocation (things like health care, cost of living, residency, taxes, and more) and uses them as a lens to examine worthwhile destinations.

It’s data-driven as much as possible but also layered with judgement—mine, as well as that of my international network of contacts, contributors, insiders, and expats—since data alone rarely captures the lived experience of a place.

This year, the report pinpoints 13 retirement havens scattered across Europe, Latin America, and Asia.

Here’s a snapshot of the top five…

#5 Chitré, Panama

Chitré is a relatively unknown little town on the Azuero Peninsula, along Panama’s Pacific Coast.

It made its way into my favorites list for retirement in 2024 because it offers all the benefits of a small town (community, safety, and a low cost of living) as well as all the convenience of a much bigger town (find amenities like hardware stores, banks, shopping centers, and so on).

It strikes a unique balance that can be hard to find in countries like Panama.

Chitré stands out for being one of the most affordable places to live in Panama. I estimate that a budget of about $2,000 per month is enough for a couple to live comfortably here.

It’s position on the Azuero Peninsula means that it’s close to some of the best beaches in the country as well as a variety of water sports.

It’s also a stronghold of Panamanian folklore and culture, offering a more authentic lifestyle than other, more-famed retirement havens in Panama, like Boquete.

I’ve been recommending Panama to expats for decades, and I’m just as bullish on this country as I ever have been.

Panama rolls out the welcome mat for retirees by offering one of the world’s best retirement visas (with perks and special benefits for older folks) as well as one of the world’s most friendly tax environments.

#4 Crete, Greece

Crete is a massive island in the Eastern Mediterranean.

As the ancient crossroads of Africa, Europe, and Asia Minor, it’s rich in history and cultural significance.

Historic towns like Chania are living museums, offering a heady mix of Venetian, Ottoman, and Byzantine influences, to name a few.

Soaking up this historical ambience as you make your way through the cobbled backstreets is one of the great pleasures of living here.

The other is enjoying outdoor recreation opportunities. Crete is home to incredible landscapes, from gorgeous beaches (including 112 Blue Flag beaches—designated as such for their superior quality), towering mountains with skiable slopes, the Samariá Gorge (the longest in Europe), ancient olive groves, and more.

The weather is mild year-round, with southern Crete getting the most sunshine hours in all of Greece at 3,257 hours per year.

It’s also affordable. Again, about $2,000 per month is enough for a comfortable lifestyle for two.

Greece stands out for being one of the friendliest countries in Europe for investors and retirees. It’s one of the few remaining countries in Europe that offers a golden visa program, and it offers a special tax rate for retirees.

#3 Mazatlán, Mexico

Mexico is one of the world’s most popular retirement havens, and there’s good reason for that popularity.

For Americans especially, it’s convenient—one of the few retirement destinations you can pack up and drive to in your car—and it’s familiar, offering stores that you’re used to shopping at, like The Home Depot and Walmart.

The reason I pinpoint Mazatlán as my top recommendation in the country is that it’s more affordable and less touristed than the other big resort on Mexico’s Pacific Coast, Puerto Vallarta.

Mazatlán’s beach lifestyle is top-notch, with sandy shores that vary in style from relaxed to bustling, all reachable from town.

It’s home to a sizeable international community, but it’s also a real Mexican city, not a pure resort town. It’s lived in and enjoyed by about 500,000 people, meaning the local culture is not overwhelmed by the international presence.

I also love Mazatlán for its extensive Spanish-colonial historical center that’s directly on the waterfront. This is the beating heart of Mazatlán, containing a range of restaurants, cafés, museums, boutiques, and more within a warren of backstreets.

Mexico will always make sense for American and Canadian retirees. It’s one of the easiest places to start the expat lifestyle since it’s not necessary to establish residency. You can live here on a six-month tourist visa and extend this indefinitely by leaving and returning to refresh your status.

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#2 Braga, Portugal

Portugal has never been more popular among foreigners—especially North Americans.

From 2021 to 2022, the number of North Americans living here increased by more than 34%—the biggest increase of any continent group during that period.

The majority of expat attention on Portugal is focused on the Algarve, Lisbon, and Porto, which have seen cost of living and property price increases in the past few years as a result.

That’s part of the reason I recommend Braga, a little-known town in northern Portugal, instead.

Braga is an elegant, well-appointed town that remains affordable by most people’s standards. I estimate that a monthly budget of $2,855 is enough for a couple to live well in Braga.

With historical significance as a center of Catholicism, it’s known as the Rome of Portugal because of its many churches and cathedrals and the near-constant sound of bells tolling.

Braga boasts an attractive historical center, a dense neighborhood of cafés, restaurants, shops, churches, hotels, businesses, and homes that has a pleasant buzz to it.

Portugal has lost some of its appeal as a retirement haven in the past year, eliminating real estate from the list of qualifying investment classes for its golden visa program and abolishing the tax abatement program it used to offer retirees.

Despite this, it still stacks up as a retirement haven from my point of view.

#1 Valencia, Spain

My favorite choice for retirement in 2024 is Valencia, a vibrant, joyful city found on Spain’s Mediterranean Coast.

This city has so much to offer, from architecture and shopping to the arts and gastronomy, that you’d almost forget that it’s a beach destination.

Sandy Mediterranean shores are available within minutes from the city center, and with some of the mildest weather in Europe, they can be enjoyed year-round.

Valencia is famous for its architecture that spans multiple millennia, blending the ancient with the ultra-modern in fascinating ways. It goes above and beyond the promise that so many European cities make to be open-air museums.

To go along with its architectural prowess, the city has high-quality infrastructure and amenities, including its public transportation system, its health care, and its green spaces.

Its beloved Turia Gardens are one example of the emphasis Valencia places on green spaces. This city-wide park that follows the path of a former river is the largest in Spain.

New expats can slip into life easily in Valencia because of its well-established international community. Yet unlike other Spanish enclaves, Valencia is not expat-dominated and still feels authentically itself.

Spain in general is safe, it has great health care, and it offers easy paths to residency, making it an all-around great choice for retirement in 2024.

Until next time,

Kathleen Peddicord signature

Kathleen Peddicord

Founding Publisher, Overseas Opportunity Letter

Tags: 'living in panama''retire in mexico'Best Place to Retire AbroadGreeceOverseas Retirement IndexPortugal
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Kathleen Peddicord

Kathleen Peddicord

Kathleen Peddicord has reported on opportunities for Americans to live, retire, and do business overseas for 40 years. She has traveled to more than 75 countries, invested in real estate in 24, established businesses in 7, renovated and built properties in 6, and educated her children in 5.

Kathleen has moved children, staff, enterprises, household goods, and pets from the east coast of the United States to Waterford, Ireland, then to Paris, France, and finally to Panama City, Panama, where she has based her Live And Invest Overseas business. Peddicord and her husband, Lief Simon, now divide their time between Panama and Paris.

Peddicord was a partner with Agora Publishing’s International Living group for 23 years. She opened, staffed, and operated International Living publishing and real estate marketing offices in Waterford, Ireland; Panama City, Panama; Granada, Nicaragua; Roatan, Honduras; San Miguel de Allende, Mexico; Quito, Ecuador; and Paris, France. Peddicord launched Live And Invest Overseas group in 2008 and has built it into a successful multimillion-dollar business. Today, she shares her firsthand experience of expat life with more than 500,000 readers of her publications, including Overseas Opportunity Letter and Overseas Living Letter.

Kathleen has been featured often in The New York Times, MSNBC, AARP, CNN, Bloomberg, CNBC, and more and writes monthly about expat matters, international real estate, and offshore diversification for Forbes and U.S. News.

Kathleen has written several books including the memoirs “At Home In Ireland” and “At Home At Los Islotes” and her latest title “At Home Abroad,” all published by Lahardan Books. Her best-selling "How To Retire Overseas: Everything You Need To Know To Live Well (For Less) Abroad” was published by Penguin Random House in 2018 and her “Buying Real Estate Overseas For Cash Flow (And A Better Life)” was published by Wiley in August 2020.

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To Live Overseas?

Super Cheap

  • Chitré, Panama
  • Santa Marta, Colombia
  • Phuket, Thailand
  • Dumaguete, The Philippines

Cheap

  • Medellin, Colombia
  • Boquete, Panama
  • Kyrenia, Cyprus
  • Hua Hin, Thailand
  • The Algarve, Portugal

Affordable

  • Valencia, Spain
  • Cascais, Portugal
  • Las Terrenas, The DR
  • Pisa, Italy
  • La Rochelle, France
  • Mazatlán, Mexico

Luxury

  • Ambergris Caye, Belize
  • Kotor, Montenegro
  • The Panama City Beaches
  • Paris, France

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