Santa Teresa, Costa Rica, is a bohemian beach town on the southern tip of the Nicoya Peninsula, renowned for its world-class surf, pristine coastline, and free-spirited atmosphere. A magnet for expats craving a barefoot, tropical lifestyle, Santa Teresa blends rugged nature with a growing array of modern comforts. Whether you’re planning a permanent move or an extended stay, this guide covers the essentials—expert insights, accommodation options, and top activities to explore.
Here’s a pros and cons list for living in Santa Teresa, Costa Rica as an expat:
Pros:
- Surf and Beach Life: Consistent waves and stunning beaches (Playa Santa Teresa, Playa Carmen) make it a surfer’s paradise and a nature lover’s dream.
- Bohemian Vibe: A diverse expat and local mix creates a laid-back, artsy community with yoga, organic eateries, and a global flair.
- Warm Climate: Tropical weather averages 80–90°F (27–32°C) year-round, perfect for outdoor living.
- Natural Beauty: Jungle trails, wildlife (monkeys, iguanas), and sunsets over the Pacific add to its allure.
- Growing Amenities: Boutique hotels, cafés, and small supermarkets cater to expat needs, despite its remote feel.
- Affordable Options: While tourist-driven, costs can be lower than U.S. coastal towns if you live simply.
- Wellness Focus: Yoga retreats, health food spots, and a relaxed pace appeal to the wellness-minded.
Cons:
- Remote Access: A 5–6-hour drive from San José or a ferry-plus-drive from Puntarenas; the nearest airport (Tambor) is small and 45 minutes away.
- Tourist Prices: Popularity drives up rent, dining, and service costs, especially near the beach.
- Work Restrictions: Foreigners cannot work locally without permanent residency or a rare work permit, relying on remote work or savings.
- Rainy Season: May to November brings heavy rain, muddy roads, and occasional power outages.
- Rough Infrastructure: Dusty or muddy unpaved roads, spotty internet, and limited advanced healthcare (nearest hospital is in Nicoya, 2 hours away).
- Crowds in Season: High season (Dec–April) floods the town with tourists, raising noise and congestion.
- Isolation: Fewer urban perks mean a slower pace that might not suit everyone.
How to Research Moving to Santa Teresa
Before committing, spend at least a few weeks in Santa Teresa to test its beachside rhythm. Rent a place, connect with the community, and explore daily life to see if it’s your fit.
Where to Stay When Researching the Area
Lodging options let you experience Santa Teresa’s range, from beachfront to jungle edges.
- Luxury Stay: LALOON Luxury Suites – A chic, upscale retreat with ocean views and top amenities.
- Mid-Range Comfort: Makanas Beach Bungalows – A beachfront spot with a relaxed charm.
- Budget-Friendly: Point Break Santa Teresa – Guesthouse with spa services, a short walk to Santa Teresa Beach .
- Vacation Rentals: Surfside Apartments Playa Mar Azul – A private jungle bungalow for a local feel.
Things to Do When Researching the Area
- Walk the Strip: Explore the main road’s shops, eateries, and surf rentals to gauge costs.
- Test Mobility: Rent a quad (ATV), bike, or walk to navigate the dusty roads.
- Meet Expats: Hang out at Banana Beach.
- Shop Locally: Visit Super Ronny’s or smaller markets for grocery prices.
- Try Services: Check the pharmacy, ATM, or local clinic for essentials.
- Live the Day: Surf at sunrise, sip a smoothie at a café, or watch the sunset to feel the vibe.
Top Activities in Santa Teresa
Santa Teresa thrives on surf, nature, and chill vibes. Sampling these activities previews expat life here.
- Surfing: Ride waves at Playa Santa Teresa or take lessons at Playa Carmen.
- Beach Hopping: Explore Playa Hermosa or Playa Manzanillo for quieter sands.
- ATV Adventures: Roam jungle trails and coastal paths on a quad rental.
- Waterfall Hikes: Visit Montezuma Waterfalls (30 minutes away) for a refreshing dip.
- Fishing: Book a charter for snapper or roosterfish off the coast.
- Sunset Views: Catch epic sunsets from the beach or a hilltop bar.
Banking & Finances
Opening a Bank Account
Banco Nacional and smaller co-ops serve the area, though options are limited. A passport might work, but residency often simplifies banking.
Managing Money Internationally
Expats typically use foreign accounts, withdrawing cash from ATMs in town. Wise, Charles Schwab, and Capital One offer low-fee perks.
Currency & Exchange Rates
The Costa Rican colón (CRC) is standard, but dollars are widely accepted. Use ATMs or local exchanges for better rates than tourist spots.
Cost of Living Budget
- Rent: $600–$2,500/month (varies by proximity to the beach)
- Groceries: $300–$700/month
- Utilities (Electricity, Water, Internet): $100–$250/month
- Transportation (ATV, Bike, or Walking): $50–$300/month
- Healthcare (Private Insurance or Caja): $100–$400/month
Final Thoughts
Santa Teresa, Costa Rica, captivates expats with its surf-centric, tropical lifestyle, eclectic community, and raw beauty. While local work is off-limits without permanent residency, remote work or savings sustain many here. Its remoteness and seasonal crowds might test your patience, so visit first—dive into the barefoot life and decide if Santa Teresa’s wild charm is your expat haven.