Living in Mexico: Updated Monthly Expenses (10/10/16)



Exchange Rate Used: 18.5 pesos to 1 USD

I frequently receive emails from readers of the blog asking me for detailed information concerning our monthly expenses here in Mexico.

It is important to point out that Mexico is a large country and the cost of living can vary significantly from one area to the next. We live in a popular tourist destination along the coast of the Riviera Maya, so the cost of living is significantly higher here than many other parts of Mexico.

We live on a fixed income, which causes us to carefully track all expenses on a daily basis. That made it easy for me to collect the data for this post.

Monthly Household Expenses

  • Water / Sewer: $134.86 pesos ($7.24 USD)
  • Gas (for water heater and stove): $318.99 pesos ($17.24 USD)
  • High Speed Internet (Telmex): $389.00 pesos ($21.02 USD)
  • Electricity *: $2,044 pesos ($110.48 USD)
  • Water Delivery: $140 pesos ($7.56 USD)
  • Cable TV (Sky): $603.00 pesos ($32.59 USD)
  • Monthly Homeowner’s / Maintenance Fees *: $3,276 pesos ($177.08 USD)

Section Total: $6,905.85 pesos ($373.28 USD)


* Electricity can be expensive in Mexico. Since we just went through the hottest months of the year, that category was higher than normal. During the cooler months, our bill is cut by half. 

* The homeowner’s fees are very reasonable for everything that we get: access to the facilities at multiple resorts on the property; beach access; daily yoga classes; 24 hour security; double gated community; gardeners; gym; the buildings are painted on a continual rotation; and the common areas are scrubbed and cleaned daily. 


I am very impressed with both the cost and quality of the private medical care here in Mexico. The affordable costs make it possible for us to pay for most things out of pocket without insurance; however, we obtained insurance to cover major medical procedures and accidents.

The price below was recently quoted by an insurance company for the two of us:

  • Expat Medical Insurance: $3,663 pesos ($198.00 USD)
  • Car Insurance: $916 pesos ($49.95 USD)

Section Total: $4,579 pesos ($247.51 USD)

If you want more information about the cost of medical care in my area, check out A Look At the Costs of Medical and Dental Treatment.

Other Expenses

  • Two Cell Phones (unlimited calls / texts to the U.S., Mexico and Canada): $343.96 pesos ($18.59 USD) Learn more
  • Gasoline: $1,381 pesos ($74.64 USD)

Section Total: $1,724.96 pesos ($93.24 USD)


As long as you do not insist on only using products imported from your home country, grocery shopping is relatively inexpensive.

If you want to do some price comparisons on your own, check out Do You Want to Know What Things Cost Before Moving to Mexico?

Eating Out

We go out to eat most of the time. We are fortunate enough to live in an area with a wide range of restaurants to choose from. When we need to save some money in order to stay on budget, this is where we make our adjustments.

Low End: An entire roast chicken meal for two with corn tortillas and sides will average us $140 pesos ($7.56 USD).

High End: A fine dining experience with drinks on the beach will average us around $900 pesos ($48.64 USD),  including the tip.

Note: Many restaurants in tourist areas will give local residents a discount of up to 20%. 

Let’s Wrap This Up

Our monthly expenses –without grocery shopping and eating out — average $13,209.81 pesos or $714.04 USD.

When we lived in the U.S., we had a house and a car that we owed money on. We sold both and used the money to buy a condo and a car outright in Mexico. That allowed us to significantly lower our monthly expenses.

Quick Note

Readers interested in moving to this part of Mexico often contact me to request additional information about where we live. Although I don’t want to include the name of the development in the post itself, I will share the information on an individual basis. You can contact me via the Contact Page

If you are curious as to why we chose this part of Mexico (Akumal), check out Why We Live Where We Do in Mexico.

Author: Qroo Paul

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22 Comments on "Living in Mexico: Updated Monthly Expenses (10/10/16)"

  1. Do you recommend buying versus renting ? What is rental in areas? How many hrs a day do u run your ac and fans?

  2. I enjoy your blog so much! Entertaining and enlightening. Would love to have more pictures

    • Thanks for reading the blog. I will work more pictures in here and there. Thanks for the suggestion 🙂

  3. Kristine Gasporra | August 2, 2016 at 9:29 pm | Reply

    This is so helpful I recently broke my leg (while on Vacation in Mexico – go figure) my husband is really worried about major medical now if we retire in Mexico. We are both athletic and healthy, and this was a freak accident. Will the major medical insurance your opt for cover injuries such as this? AND most important: How far is the major hospital from where you live??? We had to drive 2 hours to help me out. Still love Mexico tho!!

  4. What company quoted your medical insurance? Thanks

  5. I just love your blog the information you post is so useful. I’m moving to Puerto Morelos in Sept. this is just what I needed to know.

  6. Given the random and daily carnage in Mexico, do you live in constant state of vigilance or can you live carefree like most places in the US?

    • Mexico is a very large country and the violence you see on TV is not anywhere near where we are. I can drive 3+ hours in any direction and I am safer than I was in Central Florida.

      Think of it this way; every day in the U.S. there is news about the shootings and murders in Chicago. From the news this week: 7 killed and 44 wounded in weekend shootings in Chicago. Does that mean you wouldn’t live anywhere in the U.S. because of that? A lot of the violence in Mexico that you see in the news is about 20+ hours away from here by car.

      • Thanks for the stats. I am constantly asked that question since moving to Mexico City. We are from Tallahassee and it seems like there are shootings every day there. Just like any other city, there are certain parts that you should stay away from.

        • Thanks for reading the blog. I plan on doing a little more on crime stats and sharing ways to research crime in different areas of Mexico.

          You are absolutely correct, there are certain parts of any town that are advisable to avoid.

  7. I’m a new subscriber and really enjoying your posts. I’m wondering about costs for auto purchases. I understand that there is no negotiating the sale price. Any information and advice would be appreciated. Thanks.

    • We bought a new car — and you are correct, they don’t haggle on price. Many places offer two prices: a cash price and a credit price. The strong dollar did help us a lot and the car that we bought was cheaper here in Mexico. By law, every price has to include all taxes, so there is an additional savings there.

      We had a neighbor just buy a Kia and the price was also better than it would have been in the U.S.

  8. Thank-you so much for your blog and Facebook page, I am lobbying for a move to Cozumel or Isla, we will be sampling Cozumel condo this winter, your articles give me something to work on my hubs.

  9. Just found this….great information, thinking of Puerto Vallarta area…any thoughts on that part of Mexico?

    • Puerto Vallarta is very nice and is a popular destination for expats. In fact, the Puerto Vallarta Tribune republishes many of our blog posts 🙂

  10. I can’t wait to move there in a few years…..My doctor co-pays, Rx’s etc… is leaving me not much to live on…..I understand You can get all of your RX’s without scripts from the Doctor? Marijuana laws??? Please answer…..Thanks, love you site!

    • There are still several drugs that you cannot get without a prescription. There are still pharmacies, especially in tourist areas, that will still sell you prescription drugs — but the price is higher. Going to the doctor is relatively inexpensive here and you can go to the doctor for a prescription. As far as marijuana, there is a push now to legalize “medical marijuana” but it is still in the early stages.

  11. Love your posts and wishing to move there whenever I retire. Husband and I are going to DF for 9 days. Do u recommend we purchase insurance in case of the unexpected ? If so, cau u suggest insurance company pl. thanks

    • If you are only going for a visit, you may already have insurance through the credit card you used to book the trip or you can get it through a site like (if you used them to book it). Traveler’s insurance is always advisable but I don’t have any particular company that I would recommend over another.

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