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Playa Ocotal, Costa Rica: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Playa Ocotal | Digital Nomad Exchange
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Playa Ocotal, Costa Rica

By Joshua Wood, LPC

Last updated on Apr 08, 2024

Summary: Expats, digital nomads and retirees discuss what it is like to live in Playa Ocotal, Costa Rica: Cost of living, Finding a home, Meeting People and more.

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What do I need to know about living in Playa Ocotal?

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

"Playa Ocotal is a popular retirement destination for expats due to its tropical climate, beautiful beaches, and relaxed lifestyle. Before retiring there, it's important to understand the cost of living, which is generally lower than in many Western countries, but higher than in other parts of Costa Rica. Healthcare in Costa Rica is of a high standard and affordable, with both public and private options available. However, it's recommended to have a comprehensive health insurance plan. Spanish is the official language of Costa Rica, so learning some basic Spanish will make daily life easier and more enjoyable. The country uses the Costa Rican colón as its currency, but US dollars are widely accepted. It's advisable to open a local bank account for convenience. Costa Rica has a stable political climate and is considered one of the safest countries in Central America. However, like anywhere, it's important to take basic safety precautions. The country has a residency program for retirees known as the "pensionado" program, which requires proof of a monthly income of $1,000 from a pension or retirement fund. Costa Rica has a high standard of education, with many schools offering bilingual education, which can be an advantage if you plan to have your grandchildren visit or live with you. The country's infrastructure can be challenging, with some areas having poor road conditions and limited public transportation. Owning a car can be expensive due to high import taxes. Costa Rica is known for its commitment to environmental sustainability, so be prepared to embrace a green lifestyle. Finally, it's important to understand that while Costa Rica offers a relaxed pace of life, things may not always run on time. Patience and flexibility are key to enjoying life in this beautiful country," wrote one member in Playa Ocotal.

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What do I need to know before moving to Playa Ocotal?

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

"Playa Ocotal is a small beach town located in the Guanacaste province, known for its serene environment and beautiful black sand beaches. The official language is Spanish, so learning the language or at least basic phrases can be beneficial. The cost of living is relatively high compared to other parts of Costa Rica, due to its popularity among tourists and expats. The local currency is the Costa Rican colón, but US dollars are widely accepted. It's important to note that the rainy season, known as the "green season", runs from May to November, with the heaviest rainfall usually in September and October. Healthcare in Costa Rica is of a high standard, with both public and private healthcare systems available. Expats are advised to get comprehensive health insurance that covers medical evacuation, as serious medical emergencies may require transport to a larger hospital. The crime rate in Playa Ocotal is relatively low, but petty theft can occur, so it's advisable to take standard precautions to protect your belongings. Public transportation is not very reliable or frequent in Playa Ocotal, so having a car can be beneficial. However, the roads can be challenging, especially during the rainy season. Costa Rica has a slower pace of life, often referred to as "Tico time". This can be a significant cultural adjustment for expats used to a fast-paced lifestyle. The local cuisine is a blend of native foods and Spanish influences, with rice and beans being staple foods. Finally, it's important to understand the local customs and traditions, as Costa Ricans are very proud of their culture. They are generally friendly and welcoming to foreigners, but showing respect for their way of life will go a long way in helping you integrate into the community," said one expat who made the move to Playa Ocotal.

How do I find a place to live in Playa Ocotal?

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

"Finding a place to live in Playa Ocotal involves several steps. First, you need to determine your budget and what type of accommodation you are looking for. This could range from a small apartment to a large villa. Next, you should research the area. Playa Ocotal is a beautiful beach town, but like any place, it has its pros and cons. You should consider factors such as proximity to amenities, safety, and the local community. Once you have a good idea of what you're looking for, you can start your search. There are several online platforms where you can find listings for rentals and properties for sale in Playa Ocotal. Websites like Airbnb, Booking.com, and Expedia can be used for short-term rentals, while sites like Realtor.com, Century 21, and Coldwell Banker can be used for longer-term rentals or purchases. You can also use local real estate agencies. They have extensive knowledge of the area and can help you find a place that fits your needs and budget. Some reputable agencies in the area include Remax Ocean Village and Costa Rica Professional Real Estate. Once you've found a few potential places, you should arrange to view them. This will give you a better idea of the property and the area. Finally, once you've found your ideal place, you'll need to negotiate the terms of the lease or purchase and sign the necessary paperwork. It's recommended to hire a local attorney to help with this process to ensure everything is legal and above board. Remember, finding a place to live in a foreign country can be challenging, but with patience and thorough research, you can find your perfect home in Playa Ocotal," commented one expat who made the move to Playa Ocotal.

What is a typical expat home or apartment like in Playa Ocotal?

"A typical expat home or apartment in Playa Ocotal, is often a spacious, modern property with stunning views of the Pacific Ocean. These homes are usually designed with an open-concept layout, featuring large windows and outdoor spaces to take advantage of the tropical climate and natural beauty of the area. The interiors are often furnished with comfortable, contemporary furniture and equipped with modern amenities such as air conditioning, high-speed internet, and a fully equipped kitchen. Many homes also have private pools and lush, landscaped gardens. The architecture often blends modern design with local materials and styles, creating a unique and comfortable living environment. Some properties are part of gated communities, offering additional security and amenities such as communal pools, fitness centers, and social areas. Despite being in a relatively secluded beach town, these homes are usually within a short drive to supermarkets, restaurants, and other conveniences," said one expat in Playa Ocotal.

What is the average cost of housing in Playa Ocotal?

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

"The average cost of housing in Playa Ocotal can vary greatly depending on the type and size of the property. For a luxury villa or beachfront property, prices can reach well into the millions. However, more modest homes or condos can be found for a few hundred thousand dollars. Rental prices also vary, with luxury properties commanding several thousand dollars per month, while smaller, more modest accommodations can be found for a few hundred dollars per month. It's important to note that these are average prices and actual costs can vary based on factors such as location, amenities, and the current real estate market," explained one expat living in Playa Ocotal, Costa Rica.

How do I meet people in Playa Ocotal?

When we asked people living in Playa Ocotal about club and activities where newcomers can meet others, they responded:

"Expats in Playa Ocotal, often join local sports clubs, such as surfing, yoga, or hiking groups, to stay active and meet like-minded individuals. They may also participate in community service or volunteer work, which is a great way to give back to the local community and make new friends. Language exchange groups are popular among expats who want to improve their Spanish skills and interact with locals. There are also cooking classes where expats can learn to prepare traditional Costa Rican dishes, providing another opportunity to socialize and immerse themselves in the local culture. Expats often frequent local restaurants, bars, and cafes, which are great places to meet both locals and fellow expats. Attending local festivals and events is another excellent way to get involved in the community and meet new people. Many expats in Playa Ocotal also connect through online platforms and social media groups. These virtual communities provide a space for expats to share experiences, ask for advice, and organize meetups. Lastly, networking through work or school can also lead to new friendships. Many expats work remotely or start their own businesses in Playa Ocotal, and these professional networks often lead to social connections as well," remarked one expat living in Playa Ocotal, Costa Rica.

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What should I bring when moving to Playa Ocotal?

People living in Playa Ocotal were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Playa Ocotal, you should pack lightweight and breathable clothing due to the tropical climate. Include items such as shorts, t-shirts, and sundresses. Don't forget to pack a swimsuit or two for the beach, as well as a hat and sunglasses for sun protection. You should also pack a good pair of walking shoes or sandals, as you may be doing a lot of walking or hiking. If you plan on exploring the rainforests, consider packing a lightweight rain jacket or poncho. In terms of toiletries, pack travel-sized items to start, but remember that most things can be purchased locally. However, if you have specific brands or products you prefer, it may be a good idea to bring them with you. Don't forget to pack any necessary medications, along with a copy of your prescriptions. It's also a good idea to bring a basic first aid kit. Pack your important documents, such as your passport, driver's license, and any necessary visas or paperwork. It's also a good idea to have copies of these documents. If you plan on working or studying, don't forget to pack your laptop, chargers, and any other necessary electronics. Remember that Costa Rica uses a different type of plug, so you may need to bring a power adapter. Lastly, consider packing a few items to make your new place feel like home, such as photos or small mementos," remarked one expat living in Playa Ocotal, Costa Rica.

Where should I setup a bank account in Playa Ocotal?

We asked expats in Playa Ocotal what banks they use and there advice about banking. They advised:

"Expats considering retirement in Playa Ocotal should be aware that the cost of living can be higher than in other parts of Costa Rica, due to its popularity as a tourist destination. They should also know that while Spanish is the official language, English is widely spoken in this area, making it easier for those who do not speak Spanish. Healthcare in Costa Rica is of a high standard and affordable, but it's recommended to have a private health insurance. Expats should also be aware that the climate in Playa Ocotal is tropical, with a dry season from December to April and a rainy season from May to November. Playa Ocotal is known for its safety and tranquility, but like anywhere, it's important to take standard precautions to protect personal property. The area is also known for its outdoor activities, including fishing, snorkeling, and hiking, so retirees who enjoy an active lifestyle would find it appealing. Expats should also know that obtaining residency in Costa Rica can be a lengthy process, so it's important to start the process well in advance of the planned move. Finally, while Costa Rica does have a lower cost of living compared to many countries, it's important to have a clear understanding of your financial situation and ensure you have enough to live comfortably," remarked one expat living in Playa Ocotal, Costa Rica.

Will I be able to find a job in Playa Ocotal?

When we asked people about industries and career opportunities in Playa Ocotal, they reponded:

"In Playa Ocotal, foreigners often find employment in the tourism industry, working in roles such as hotel management, tour guiding, and restaurant services. Some also work in real estate, helping other expats to find suitable properties. Others may find jobs in teaching, particularly teaching English as a second language. There are also opportunities for foreigners to work in the healthcare sector, especially in roles related to wellness and alternative therapies. Some foreigners also start their own businesses, such as surf schools, yoga retreats, or souvenir shops," remarked one expat living in Playa Ocotal, Costa Rica.

What is life like in Playa Ocotal?

When we asked people living in Playa Ocotal what life is like and how people spend their time, they said:

"Life for expats and digital nomads in Playa Ocotal is often described as relaxed and peaceful. The small beach town offers a tranquil environment away from the hustle and bustle of city life. The community is welcoming and friendly, making it easy for newcomers to settle in and feel at home. The natural beauty of Playa Ocotal is a major draw for expats and digital nomads. The beach is stunning, with clear waters and abundant marine life, making it a paradise for snorkeling and scuba diving enthusiasts. The surrounding area is lush and green, with plenty of opportunities for hiking and exploring. Despite its small size, Playa Ocotal has a good range of amenities. There are several restaurants and bars in the area, as well as a supermarket for daily necessities. For more extensive shopping and entertainment options, the larger town of Playas del Coco is just a short drive away. Internet connectivity in Playa Ocotal is generally reliable, making it a viable location for digital nomads. However, power outages can occur, so it's advisable to have a backup plan in place. The cost of living in Playa Ocotal is higher than in some other parts of Costa Rica, but many expats and digital nomads find it worth it for the quality of life. Rental properties range from basic apartments to luxury villas, so there's something to suit different budgets. Learning Spanish can enhance the experience of living in Playa Ocotal, as not everyone speaks English. However, many expats manage with basic Spanish and the help of friendly locals. Overall, life for expats and digital nomads in Playa Ocotal is laid-back and enjoyable, with a strong sense of community and a beautiful natural environment to explore," wrote one member in Playa Ocotal.

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What do expats in Playa Ocotal appreciate most about the local culture?

"Expats in Playa Ocotal often appreciate the warm and welcoming nature of the local people, who are known for their friendly and laid-back attitude. They also enjoy the rich Costa Rican culture, which includes a strong emphasis on family and community. The local cuisine is another highlight, with fresh seafood, tropical fruits, and traditional dishes like gallo pinto. Expats also appreciate the slower pace of life, which allows for relaxation and a focus on enjoying the simple things. The local commitment to environmental conservation is also highly valued, as seen in the country's numerous national parks and protected areas. Lastly, the beautiful natural surroundings, including the beach, ocean, and wildlife, are a constant source of joy and inspiration," explained one expat living in Playa Ocotal, Costa Rica.

What do expats find most challenging?

"Expats in Playa Ocotal often find the language barrier to be the most challenging aspect of the local culture, as Spanish is the primary language spoken and not everyone is fluent in English. The slower pace of life, known as "Tico time", can also be a challenge for those accustomed to a more fast-paced, punctual lifestyle. Additionally, the local cuisine, which is heavily based on rice and beans, may not appeal to everyone's taste. The high humidity and heat can also be difficult for some to adjust to. Lastly, navigating the local bureaucracy for things like visas, permits, and healthcare can be complex and time-consuming," wrote one member in Playa Ocotal.

Is there a lot of crime in Playa Ocotal?

We asked people if there is a lot of crime. They answered:

"Playa Ocotal, is generally considered a safe and peaceful destination for both residents and tourists. Like any other place, it is not entirely free of crime, but the crime rate is relatively low compared to other regions. Most reported incidents are minor, such as petty theft or pickpocketing, particularly targeting tourists. Violent crimes are rare. Local authorities and community members work together to maintain a safe environment. Visitors are advised to take standard precautions, such as not leaving belongings unattended and avoiding isolated areas at night," explained one expat living in Playa Ocotal, Costa Rica.

Is there a lot of diversity? Are people in Playa Ocotal accepting of differences?

"Playa Ocotal, is a diverse place with a mix of locals and expatriates from various parts of the world. The community is known for its welcoming and accepting nature, embracing differences in culture, nationality, and lifestyle. The Costa Rican culture, in general, is very friendly and open, and this is reflected in the attitudes of the people in Playa Ocotal. The area is also rich in biodiversity, with a wide variety of flora and fauna, making it a unique and diverse environment," said one expat in Playa Ocotal.

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What are the schools in Playa Ocotal like?

"Playa Ocotal is a small beach town and does not have a wide range of international or bilingual schools. However, there are some notable schools in the nearby larger towns and cities. One of the closest is the La Paz Community School in Flamingo Beach, about a 30-minute drive from Playa Ocotal. La Paz Community School (https://www.lapazschool.org/) is a private, non-profit, bilingual school that offers education from Pre-K to 12th grade. The school follows an international curriculum and is known for its commitment to academic excellence, environmental stewardship, and community engagement. Another option is the Country Day School in Guanacaste, about an hour's drive from Playa Ocotal. The Country Day School (https://www.cds.ed.cr/) is an American-style private school that offers a bilingual education from Pre-K to 12th grade. The school is accredited by the Southern Association of Colleges and Schools and offers the International Baccalaureate (IB) Diploma Program. The CRIA (Costa Rica International Academy) is also located in Guanacaste, about a 30-minute drive from Playa Ocotal. CRIA (https://criacademy.com/) is a private, co-educational day school that offers a U.S. accredited, college preparatory program, from early childhood through 12th grade. The school is known for its rigorous academic program, its commitment to character education, and its wide range of extracurricular activities. Lastly, the Educarte School in Playa Tamarindo, about an hour's drive from Playa Ocotal, is a bilingual school that offers education from Pre-K to 11th grade. Educarte School (http://educartecostarica.com/) focuses on developing students' critical thinking skills and creativity, and offers a variety of extracurricular activities, including art, music, and sports," remarked one parent with kids at in Playa Ocotal.

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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