Retire in Lake Chapala: A Dream Destination

In a nutshell, JOY!

This beautiful paradise offers warm friendships, Spring-like weather year-round, healthy low-cost food, and countless activities that will fit any lifestyle.

So, let’s dive right in and you will see why you should retire in Lake Chapala.

The Cost of Living to Retire in Lake Chapala

As retirees we need to make every penny count. Lake Chapala’s cost of living is surprisingly affordable and can work for those on a tight budget. I know some individuals who live on less than $1,000 per month, and couples who thrive on less than $1,500 per month.

Chances are you will spend far less money when you move here. Here is a breakdown of average monthly expenses

Monthly Expenses:

Rent: $500-$1,500
Utilities: $25-$100
Cell Phone: $20
Internet: $30-$60
Groceries: $150-$300 per couple
Activities: Free to $1,000s

Rent

Tip: If you intend to retire in Lake Chapala full-time, rental prices go down once the snow birds have left. Try to find a permanent place in June or July.

In Chapala, a basic 1 bedroom, 1 bath apartment starts around $500 + utilities, and a 2 bedroom, 2 bath house starts at $800 + utilities.

Similar rentals in Ajijic cost 30-50 per cent more. There are also some beautiful homes that can fetch up to $5,000 a month.

Jocotepec has the lowest rents, so if you want to retire in Lake Chapala on a smaller budget, take a look. You can usually find apartments for 25 per cent less than Chapala, and the cost of groceries is also much lower.

You wont sacrifice on anything by moving to Jocotepec. It has a beautiful lakeside boardwalk (malecon) and a vibrant downtown core with plenty of stores and restaurants. See my post HERE for further information on Jocotepec.

Utilities

Most stoves and water heaters use gas, which can be purchased in cylinders or pumped into a tank. I purchased $75 worth of gas seven months ago and still have about 30 per cent remaining. Electricity costs are also low, since most homes don’t have heating or air conditioning. We can generally make do with ceiling and floor fans in the hotter months of May and June. This year was unseasonably hot and AC would have been welcome.

In the winter, a thick blanket, a jacket and slippers are usually all you need for the cooler mornings. A small space heater is handy for the chilliest of days. It seldom stays cool and you can step out for your day wearing a light jacket or sweater.

Mobile Phone

Cell phone service with unlimited calling anywhere in North America and 3 GB of data runs less than $20. Telcel is the primary cell phone service provider in Mexico. Different options are available:

If you own your own phone, the Amigo monthly packages are the most popular. If your phone is unlocked, you can purchase a SIM card and the Amigo plan, then you are all set. I recommend the Telcel store at the Laguna Mall to purchase your SIM card. The service is fast and friendly, plus they have English speaking representatives. Afterwards ,you can purchase Amigo plans at Oxxo, Walmart or at the smaller Telcel outlets.

You can also sign a contract for around $18 per month. This is a good option if you want to buy a phone, as they provide a discount on the phone. However, you must go to the large Telcel to pay. Alternatively, you can pay your bill online or inn person through a Mexican bank. For this, you must have a bank account.

Internet

For remote workers, gamers, and heavy streamers, you will be glad to know fiber optic cable is available in most locations on the North side of the lake. Packages range from 50 to 1,000 Mega bites.

I opted for 500 mega download and 100 mega upload with Totalplay for $60. The internet service is highly reliable and their customer service is exceptional.

Totalplay has English speaking representatives to help you by phone. I have had two issues where the service representatives had to come to the house. They showed up within a few hours and resolved the problems within 5 hours.

There are other providers and packages available at a lower cost, so it is a good idea to shop around to find what best meets your needs.

Groceries

A couple who buys all their groceries at a local store can spend between $150-300 a month. If you shop at the stores targeting gringos, expect to pay double, if not more.

Each community has a variety of shopping options, including larger stores, small family run businesses, street markets, called tianguis and gourmet stores catering to Americans and Canadians.

Ajijic has a Walmart with pretty everything you would normally find up North. You may have to search for what you need as they are notorious for moving items to a different shelf space.

There is a tianguis held every Wednesday on calle Revolucion, which is East of downtown. It is open from 8:00 – 2:00pm.

Chapala has Soriana’s, which is a large Mexican chain store for groceries and home goods. It is similar to Walmart, and has a nice produce selection. It is located at the north end of Chapala (Priv. Francisco I. Madero 699, Chapala Centro).

There is a large tianguis on Mondays. It is located across the road from Soriana’s. Just follow the crowd. It’s a great place to buy produce. They also serve traditional food, including some of the best tacos I have had in Mexico.

Jocotepec is anchored by Aurrera Bodega. The store is smaller than the other two and is good for the basics. There is also a permanent mercado and a market street with fish shops, butchers and produce stores. I frequently walk away with four bags of fresh fruits and veggies for under $20.

There are also several stores that cater to Americans and Canadians. They carry American products with a significant mark up.

Regardless of where you decide to shop, the cost of fresh produce and meat at Lake Chapala is low in comparison to the US and Canada.

For those who need a Costco, Guadalajara has two, which are both under an hour away by car. They carry the same merchandise that you would find North of the border and the prices are comparable.

You will also find Home Depot, Bed, Bath and Beyond, Sears (yes really!) and many other large chains. Several groups, including Lake Chapala Society organize trips on a regular basis to the malls in Guadalajara, so you can go even if you don’t have a car. Alternatively, you can hire a driver for the day for around $75.

Activities

When you retire in Lake Chapala, the list of activities is countless.

Most expats spend a lot of time at the Lake Chapala Society upon arrival and with good reason. The society holds a full host of activities Monday to Saturday, and a very popular Sunday morning speaker’s series. You can volunteer, do yoga, play cards, have lunch, pick up some books, and get an eye exam all in one day.

For active expats, pickle ball, tennis, golf, and hiking are incredibly popular. You can also ride your bike from Chapala to Jocotepec on the new bike path that stretches beside the Carretera.

If you prefer something more cerebral, think about learning bridge and join the duplicate bridge club. They give free lessons and host a beginner game on Fridays, which is very friendly.

There is a very active music and dance scene. If you are itching to jam or sing, you can sign up at an open mic, form a band, or join a choir.

You could also write your memoirs or the great American novel, take up painting, or perform in a play.

The list of activities is quite extensive and I have written a separate article outlining the many things you can do and where to find information about current events. You can find the post here: (insert link to article)

Climate

Lake Chapala’s climate is arguably one of the best globally. This makes outdoor activities frequent, allowing residents to fully immerse in the beautiful surroundings.

National Geographic has identified Lake Chapala as having the second best climate in the world (Nairobi, Kenya is first). The average annual temperature is 23 C (73 F) year-round. The hot season lasts from mid-April to mid-June when the temperatures can reach 35 C (95 F). In the winter months of January and February, temperatures can dip to 18 C (65 F) so bring a light jacket.

For the most accurate local weather information, click here to see current conditions lakeside.

Healthcare and Health Insurance

Mexico, especially Lake Chapala, has excellent health facilities well-equipped to cater to the needs of retirees. Healthcare costs are much lower than in the U.S., and the quality of care is top-notch.

There are different types of healthcare when you chose to retire in Lake Chapala.

Most expats choose to pay out of pocket for healthcare expenses due to the affordability. For example, a visit to the doctor’s office is around $30 for a general physician and $80 for a specialist. Some doctors and medical centers accept U.S. medical insurance. Be sure to ask prior to your visit to see if your insurance qualifies.

Public and private health insurance options are also available.

Private plans can be tailored to cover specific needs. Whether it’s routine check-ups, dental care, or even more specialized forms of medical care, Lake Chapala’s healthcare system is more than capable.

Mexico also has a public health insurance plan. Temporary and permanent residents can apply for IMSS when they retire in Lake Chapala. Speak with a specialist about what is covered, because pre-existing conditions may not be covered.

Will I Make Friends if I retire in Lake Chapala?

Choosing to retire in Lake Chapala delivers any lifestyle you want. One thing is for certain, it is the easiest place to make new friends.

The local population is warm, welcoming, and friendly to everyone. The same can be said for the ever-growing expat community, which has established deep roots in this Mexican haven. They are an invaluable source of advice, assistance, and companionship for anyone choosing to retire in this beautiful part of Mexico.

The Lake Chapala Society, established and managed by the expat community, offers a wealth of opportunities for social interaction and cultural immersion.

It’s easy to feel at home in the Lake Chapala area. Every day is an invitation to explore the rich tapestry of Mexican culture, whether it’s participating in one of the many local festivals, sampling delicious Mexican cuisine, or learning Spanish.

Another important aspect to consider when retiring in a foreign place is the security of the area. Crime can be a concern in parts of Mexico, but the lake Chapala area and Ajijic, in particular, are considered safe. Residents report that they feel secure here. The Mexican government prioritizes the security of areas with significant expat populations, and local and private security firms also contribute to the safety of these areas. Nevertheless, as in any other place in the world, it’s always advisable to follow safety measures and stay informed.

Exploring Lake Chapala and the Surrounding Regions

The charms of retiring in Lake Chapala extend beyond the inviting local and expat communities. In fact, the region is a treasure trove of natural and cultural wonders waiting to be discovered.

Begin by exploring the neighboring town of San Antonio Tlayacapan, whose boardwalk (malecon) will bring you up close to the bird populations that are found on the lake. Or head to the tourist town of San Juan Cosala. There you can soak away your worries in the natural hot springs at one of the spas. There are spas to suit every budget.

Jocotepec is a delight for those who embrace vibrant local culture and community. Situated at the western end of Lake Chapala, it is well-known for its famous birria (a savory meat stew). Head to the town square and enjoy a bowl. For more information about retiring in Jocotepec, click here.

For beach and ocean lovers, the stunning resort city of Puerto Vallarta is four hours away. The seaside city became famous because the Night of the Iguana was filmed there. It has beautiful beaches, world-class dining, and an array of outdoor activities. It’s a perfect destination for a change of pace from the peaceful life by the lake.

Guadalajara and Guadalajara International Airport

Many of us who retire in Lake Chapala need to travel home to see family and friends or to scratch the travel itch. The good news is it is less than an hour’s drive to Guadalajara International Airport (GDL), which means trips back home and visits from loved ones are hassle-free. Flights to destinations worldwide is a convenience cherished by many residents.

Guadalajara, the second largest city in Mexico is less than an hour by car, and there is a bus that goes into town regularly. This city is a modern metropolitan filled with diverse cultural experiences, shopping centres, and more. This close proximity provides access to big city amenities without having to compromise on the serene lifestyle on offer at Lake Chapala.

Snowbirds and Sun Birds

Short-term rentals are available for snowbirds and sun birds looking for a temporary change of scenery. You can enjoy a vibrant lifestyle and the warm climate of Lake Chapala without breaking the bank. Airbnbs and hotels often offer a monthly rate that competes with yearly rental prices. The more popular hotels tend to book for the following year during the high season (October to March), so be sure to make arrangements well in advance.

Retire in Lake Chapala FAQs

What are the living costs like in Lake Chapala?

The cost of living in Lake Chapala is typically much lower than in North America. This includes expenditures on housing, whether renting in Ajijic or buying a home, and daily expenses like food shopping and clothing.

Is healthcare accessible in Lake Chapala?

Yes, healthcare in Lake Chapala is both accessible and affordable. There are local hospitals, clinics and pharmacies. Guadalajara is nearby with excellent hospitals. Expats can also access health insurance in the area.

What kind of community is there in Lake Chapala?

Lake Chapala has a close-knit and welcoming community, made up of both local residents and a large group of expatriates. The Lake Chapala Society is a key organization for community engagement and provides various resources for newcomers.

Can I pay with U.S. dollars?

The local currency is Mexican pesos ($). Some stores may take America currency, but don’t expect to get a great exchange rate.

How can I access my money?

ATMs are situated at most banks, and you can withdraw money in Mexican pesos. Walmart has a Western Union if you want to wire money. They also have three different ATMs. It is worth exploring different to determine which one has the most reasonable fees.

What are some of the local attractions?

There are several attractions to explore around Lake Chapala. These include a boat trip to Mezcala Island, horse back riding in Ajijic, a tour of a winery, a tour to the city of Tequila, visiting the beach at Barra de Navidad, Rincon de Guayabuitos, or Puerto Vallarta, or exploring ruins at Guachimontones.

Retiring in Lake Chapala is more than just choosing a picturesque location to live out the final chapter of your life. It’s an opportunity to immerse yourself in the rich tapestry of Mexican life and culture, to explore the wonders of your new home, and to create exciting stories of your new chapter in life. The towns and sites around Lake Chapala are brimming with adventure, surprises, and discoveries – all you have to do is explore.

Conclusion

In conclusion, should you choose to retire in Lake Chapala you will find a range of advantages that make it an enticing choice for those seeking a comfortable, fulfilling, and cost-effective retirement abroad.

• Cost-effective living: Whether you are renting in Ajijic or buying a home, everyday necessities like food shopping and clothing are very affordable compared to North America.
• Convenience and Comfort: The proximity to Guadalajara, the second-largest city in Mexico, access to healthcare and health insurance, and a comfortable lifestyle make Lake Chapala area perfect for retirement.
• Community Integration: The warm, welcoming local and Expat community, coupled with the security factor, make it easy to feel at home in this part of Mexico. The Lake Chapala Society is a great resource for newcomers.
• Attractions and Activities: From exploring attractions like Jocotepec, San Antonio, San Juan Cosala, Puerto Vallarta to dining out and participating in local Mexican cultural activities, life in the area is rich and enjoyable