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Moving to San Carlos, Nicaragua | Digital Nomad Exchange
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Moving to San Carlos, Nicaragua

By Joshua Wood, LPC

Last updated on Jun 05, 2024

Summary: Moving to San Carlos, Nicaragua: Expats, retirees and digital nomads talk about everything you need to know before moving to San Carlos.

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What do I need to know before moving to San Carlos?

When we asked people what advice they would give someone preparing to move to San Carlos, they said:

"San Carlos is a small town located at the southern end of Lake Nicaragua, known for its natural beauty and friendly locals. Spanish is the official language of Nicaragua, so learning some basic Spanish phrases would be beneficial before moving to San Carlos. However, English is also widely spoken in tourist areas. The cost of living in San Carlos is relatively low compared to many Western countries. This includes housing, food, and transportation. However, the average income is also lower, so it's important to have a reliable source of income or savings. The climate in San Carlos is tropical, with a wet and dry season. It can get very hot and humid, especially during the wet season from May to November. Nicaraguan cuisine is a blend of indigenous and Spanish influences, with staples including corn, beans, and rice. San Carlos has a variety of local restaurants and markets where you can try traditional dishes. Healthcare in San Carlos is not as advanced as in larger cities or Western countries. While there are local clinics and hospitals, serious medical conditions may require travel to a larger city or even out of the country. Public transportation in San Carlos is limited, and many locals rely on bicycles or motorcycles. Taxis are also available, but they can be more expensive. San Carlos is a safe town with a low crime rate. However, like anywhere, it's important to take basic safety precautions, especially at night. The town is surrounded by natural beauty, including the San Juan River and Solentiname Islands. There are plenty of opportunities for outdoor activities like fishing, boating, and hiking. Internet and cell phone service in San Carlos can be unreliable, especially in more remote areas. It's a good idea to have a backup plan for communication. Finally, it's important to respect local customs and traditions. Nicaraguans are generally warm and welcoming, but it's important to be respectful of their culture and way of life," commented one expat who made the move to San Carlos.

How do I find a place to live in San Carlos?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"Finding a place to live in San Carlos, involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from a small apartment to a larger house, depending on your needs and financial situation. Next, you should research the different neighborhoods in San Carlos to find one that suits your lifestyle and preferences. Some areas might be closer to amenities like shops and restaurants, while others might offer more peace and quiet. Once you have a clear idea of what you're looking for, you can start your search. There are several online platforms where you can find listings for rentals in San Carlos, such as Encuentra24 and OLX. These websites allow you to filter results based on location, price, and type of property, making it easier to find something that fits your criteria. In addition to online listings, you might also want to consider hiring a local real estate agent. They can provide valuable insight into the local market and help you navigate the process of finding and securing a rental. When you find a property you're interested in, arrange a viewing with the landlord or real estate agent. This will give you a chance to inspect the property and ask any questions you might have. Finally, once you've found a place you like, you'll need to negotiate the terms of the lease, pay any necessary deposits, and sign the rental agreement. Make sure to read the contract carefully and understand all the terms before signing. Remember, finding a place to live can take time, so it's important to be patient and persistent in your search," said one expat who made the move to San Carlos.

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What is a typical expat home or apartment like in San Carlos?

"Expat homes or apartments in San Carlos, are typically spacious and comfortable, designed to accommodate the needs of foreigners. They often feature modern amenities such as air conditioning, high-speed internet, and fully equipped kitchens. The architecture usually blends traditional Nicaraguan styles with contemporary designs, often with large windows to let in natural light and offer stunning views of the surrounding landscapes. Many homes also have outdoor spaces like patios or balconies, perfect for enjoying the tropical climate. Some properties may even include a swimming pool or access to a community pool. The homes are often located in safe, well-maintained neighborhoods, close to local shops, restaurants, and other amenities. Despite the modern comforts, these homes often retain a distinct Nicaraguan charm, with local art and decor, tropical gardens, and sometimes even views of the nearby lake or volcano," said one expat in San Carlos.

What is the average cost of housing in San Carlos?

If you are thinking about moving to San Carlos, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The average cost of housing in San Carlos can vary greatly depending on the location and size of the property. However, it is generally considered to be quite affordable compared to many other locations. For instance, a modest house in the city can be rented for a relatively low monthly rate, while purchasing a property can also be quite economical. Luxury properties, on the other hand, can be more expensive, but are still often cheaper than similar properties in other countries," explained one expat living in San Carlos, Nicaragua.

Should I buy or rent a home in San Carlos?

If you have not spent a lot of time in San Carlos, you should rent before even thinking about buying. We asked expats there about the buy vs. rent decision:

"The decision to buy or rent a home in San Carlos, largely depends on your personal circumstances, financial situation, and long-term plans. If you plan to stay in San Carlos for a long period, buying a home could be a good investment. Owning a home allows you to build equity over time and could provide a sense of stability and permanence. On the other hand, renting might be a better option if you're not planning to stay long-term or if you prefer flexibility. Renting doesn't require a large upfront investment and it's generally easier to move from a rental than it is to sell a home. It's also important to consider the local real estate market. If home prices in San Carlos are high and continue to rise, buying a home could be a good investment. However, if prices are low or declining, it might be better to rent until the market improves. Lastly, consider your financial situation. Buying a home requires a significant financial commitment and ongoing expenses such as maintenance, repairs, and property taxes. Renting, on the other hand, typically involves fewer upfront costs and the landlord is usually responsible for maintenance and repairs. In conclusion, both buying and renting have their own advantages and disadvantages. It's important to carefully consider your personal circumstances, financial situation, and long-term plans before making a decision," commented one expat who made the move to San Carlos.

What should I pack when moving to San Carlos?

We asked people living in San Carlos to list three things they wish they had brought and three they wish they had left behind. They responded:

"When moving to San Carlos, it's important to pack lightweight and breathable clothing due to the tropical climate. Include items like shorts, t-shirts, and sandals, but also remember to pack a few long-sleeved shirts and pants for protection against mosquitoes. A rain jacket or umbrella is also essential as the region experiences heavy rainfall. Don't forget to pack your swimsuit and beach towel for enjoying the beautiful local beaches. Also, consider packing a hat and sunglasses for sun protection. Pack all necessary toiletries, including sunscreen and insect repellent. However, keep in mind that many toiletries can be purchased locally. Bring any prescription medications you need, along with a copy of your prescription. It's also a good idea to pack a basic first aid kit with band-aids, antiseptic wipes, and over-the-counter pain relievers. Pack your important documents, such as your passport, driver's license, and any necessary visas or permits. It's also a good idea to have copies of these documents. If you plan on cooking, consider packing some of your favorite spices or non-perishable food items, as they may be hard to find in Nicaragua. Pack a Spanish-English dictionary or phrasebook, as English is not widely spoken in San Carlos. Bring a good quality water bottle, as it's important to stay hydrated in the tropical climate. Pack electronics sparingly, as they can be expensive to replace in Nicaragua. Don't forget necessary chargers and adapters. Lastly, consider packing items that remind you of home, such as photos or small mementos, to help with the transition," replied a member in San Carlos.

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William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.
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What cultural faux pas should I try to avoid making in San Carlos?

We asked people in San Carlos if they could share any humorous cultural blunders they commited. For new expats, keep in mind that these incidents are an inevitable part of expat life. Learning to laugh about them is the key!:

"In San Carlos, it's important to avoid discussing politics or criticizing the government, as this can be seen as disrespectful. It's also considered rude to refuse food or drink when offered, as hospitality is a big part of Nicaraguan culture. Avoid wearing revealing clothing, especially in religious or traditional settings, as modesty is highly valued. It's also considered impolite to interrupt someone while they're speaking or to raise your voice in public. Always remember to greet people politely and show respect to elders. Lastly, avoid making assumptions or stereotypes about Nicaraguan culture or people, as this can be seen as offensive," remarked one expat in San Carlos, Nicaragua.

About the Author

Joshua Wood Joshua Wood, LPC is one of the Founders of Digital Nomad Exchange and serves as Co-President of Expat Exchange. Prior to Expat Exchange and Digital Nomad Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

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