food costs – Ex-pats in Mexico

And the winner is…

It was quite difficult and we did a lot of back-and-forth, but Leslie and I have decided on our new home. We had two excellent — and very different — choices. How did we choose between Ajijic, Mexico, and Montpellier, France? Let’s look at the data.

First, what’s so good about Ajijic? I know, some of you think there’s nothing good about anywhere in Mexico. That’s probably because you’ve never been where we’ve been. A good friend and former work colleague was one of those people until recently. We had lunch a few days ago and he said he enjoyed reading this blog, saying, “You’ve made Mexico three-dimensional for me. It was always one-dimensional.”

Ajijic is close to the U.S., so we can get back easily if need be, and friends and family can visit. The cost of living in Ajijic is quite favorable. Coupled with the good dollar-peso exchange rate, that makes Mexico a great place for North American retirees. And the Mexican people are warm and friendly; pass a local on the street and you’ll always hear “buenos dias.” Here are some other Ajijic positives:

Furnished rental housing is easily available.
Climate is mild with few extremes.
There’s a thriving English-speaking faith community.
There are many other expats in the area.
The Lake Chapala Society offers lots of services and events.
There are volunteer opportunities to remain active.
We have established contacts to help with our transition.
Health care is good. Most doctors are trained at the medical school in Guadalajara, which is affiliated with Johns Hopkins.
There are a number of cultural opportunities, both in the Lake Chapala area and in Guadalajara, which has its own symphony orchestra and opera company.

There are some downsides to Ajijic, though. Area roads are not as good as in Europe, and in most places you must drink bottled water. One big complaint is that in some parts of the Lake Chapala area you cannot flush toilet paper. It goes in a trash can instead. We would need housing in the newer areas where this is not an issue. A few other not-so-good things:

Intercity roads are limited.
Public transportation is not great. Intercity bus service is great, though.
Are there too many gringos in the area?
Right now there is uncertainty about the future of the Mexican government. The new president does not take office until December.
Locally grown vegetables must be treated before eating. It’s simple but time-consuming.
Infrastructure in the village is not great, and there is limited parking.

Montpellier also has lots of positives, most notably its energy. There’s a great vibe in this fast-growing city. Cultural opportunities abound — concerts, festivals, plays and other forms of entertainment. Food from local markets is of a higher quality than in the U.S., and there are great markets all over town. Leslie was able to eat cheese and bread in France. Her system has had a problem with both for years, and she was in heaven! Some other good points:

Public transportation is excellent.
It’s easy to reach other European countries we want to visit.
It’s close to some nice Mediterranean beaches.
We have established contacts with people who can help with our transition.
France is a first-world country with excellent infrastructure.
History is pretty much everywhere.
The World Health Organization ranks French health care as the best in the world.

But the cost of living in Montpellier is higher than in Mexico and with the unfavorable dollar-euro exchange rate, the dollar doesn’t go as far. Also, getting to France is a little more difficult and time-consuming, so we might get fewer visits from family and friends. And there’s this:

Furnished housing may be limited, and two-bedroom apartments are expensive and rare.
It gets a little chilly in winter. Last winter they had some snow, although it melted two days later.
There’s a seven-hour time difference from Chicago; nine from Stephanie in San Diego.

We took all that — and more — into consideration and agreed that by Nov. 1, we hope to be full-time residents of Ajijic, Mexico. We’ve already begun getting paperwork together for our permanent resident (retiree) visa application.

There were several factors, but mostly we think it will be easier to transition into living long-term in Mexico than anywhere else we’ve been. We’ve spent a lot of time there over the past two years and we have a network of friends to provide help and advice. Location and cost of living were also big factors. We’ll actually be closer to Stephanie than we were in the Chicago area, and friends and family have an easier time traveling to Mexico for visits. Plus, the dollar goes a lot further in Mexico, and the climate seems to be better. While we loved living in Montpellier, we simply felt Ajijic would be the best bet for our first attempt at being true expats.

That doesn’t necessarily mean we will live in Ajijic forever. Remember, we might decide at some point to get a change of scenery and relocate. Montpellier would probably be at the top of our list.

This blog, of course, will continue! We’ll keep you posted as the process develops.

mariachis-0033 — *Strike up the band! We’re on our way to Ajijic.*

Europe, France, Living overseas, Uncategorized

So what does it cost?

Cost of living is an important factor in our choice of where to live. It’s not the most important, but I think we must give stronger consideration to countries and cities where our dollar goes further. So let’s look at what we’ve been spending to live like the locals here in Montpellier, France.

After housing, food probably takes the biggest chunk of our budget. For most items, we go to the French grocer Monoprix, which has a store in nearby Place de la Comédie (all amounts in USD):

canned white tuna, 3.28 oz., $2.32.
facial tissue, $2.51.
almond milk, 1L, $3.48.
basmati rice, 17.6 oz., $2.04.
gluten-free bread, $5.13.
Colgate toothpaste, 2.5 oz., $2.90.
olive oil, 16.9 oz., $6.98.
President butter, 8.8 oz., $5,47.
one dozen eggs, $3.48.
Barilla pasta sauce, 12.8 oz., $2.27.

For fruits and vegetables, there’s the Halle Castellane market right next door to our building. There are a number of vendors for fruits and vegetables, chicken and meat, seafood, cheese, even wine:

aged comté cheese, 10 oz., $11.63.
broccoli, 10.9 oz., $1.01.
head of romaine lettuce, $1.52.
asparagus, 12 oz., $3.83.
eggplant, 9.3 oz., $.91.
zucchini, 11.1 oz., $1.02.
Roma tomatoes, 12 oz., $1.90.
carrots, 19 oz., $1.63.
white onions, 12 oz., $.80.
boneless chicken breasts, 11.5 oz., $6.54.
beef tenderloin, 10.2 oz., $14.85.

There’s also a good boucherie (butcher shop) close by. We got a 1.3-pound pork roast there for $9.18, and 2.2 pounds of ground beef for $14.99 — and they ground it fresh while we watched!

*Heirloom tomatoes at the Saturday morning open-air market.*

We’ve also been to the open-air market under the 18th-century aqueduct, but the vendors don’t always provide receipts and I can’t remember what we spent. We pay cash for all those transactions. I sense it’s slightly less than at Halle Castellane. The open-air market is only on Tuesday and Saturday mornings, and it’s a bit of a hike. We’ve only been twice.

Wine appears to be the best bargain, and I guess we should expect that since we’re in the largest wine-producing region in France. We’ve found excellent local wines for $12 or less — even less than $10.

Dining out seems to cost roughly the same here in Montpellier as it does in Chicago’s western suburbs. I think we’ve been spending slightly less for dinner but more for lunch. For example, after church Sunday we stopped at a restaurant on the Place du Marché aux Fleurs (Flower Market Square) that features burgers and ratatouille. I had a burger with a nice German beer and Leslie had salmon with rice and ratatouille and a glass of rosé — total of $47.05. Their basic burger was over $15. A few weeks ago we tried an Argentine restaurant that features empanadas. (I was looking forward to this because I used to enjoy empanadas from a food truck in the Loop.) We each had two empanadas. Granted, we had dessert and enjoyed two glasses of malbec each, but the total was $49.04.

Dinner, on the other hand, seems a bit more affordable. We cook at home most nights, though, so the sample size is small. We’ve been to three of the four places our host, Anne-Marie, recommended. On our first night in Montpellier, we went to Bistro d’Alco and enjoyed three-course meals that included some very fine foie gras as an appetizer. Can’t recall what the main courses were, but they both just blew us away. This is a highly rated farm-to-table restaurant with an ever-changing menu, and our total bill with wine was $79.18.

*Leslie admires the ceiling of the 13th-century building that houses a fine-dining restaurant. A bit on the pricey side, but the wine was fantastic!*

The second restaurant was L’Artichaut (The Artichoke), where we spent $84.22. This place has earned the Michelin Bib Gourmand award for good, simple cooking at prices under $46. Leslie had the three-course meal (including a chocolate dessert that we shared), while I enjoyed a very nice fish. And of course there was wine. (One of our favorite quotes: “A meal without wine is — breakfast.”) I remember spending more on dinner for two at some of our favorite “special occasion” places in Westmont, Naperville and Oak Brook. So dinner can be a bit of a bargain, in my opinion — lunch, not so much. We did one fine dining experience at Restaurant 1789 in a 13th century building with Gothic ceilings. Pricey, but with amazing food and outstanding service.

I’m getting hungry now, so let’s move on to real estate, starting with the rental market. Based on what I’ve seen online and in handouts from some of the immobiliers (real estate agencies) in our area, the market seems geared toward university students and young singles. You can rent a studio for less than $600 per month (real estate amounts in USD too). You’ll pay more if you want an actual bedroom. For example, a one-bedroom on the city’s north side is $719, and one in the Beaux Arts neighborhood, closer to the historic center, is $812. Both are unfurnished.

That would not be adequate for Leslie and me. We need a two-bedroom because we hope some of you are going to come for a visit — wherever we eventually land. At the very least, we need a place for Stephanie when she comes. I went on one website that listed hundreds of rental properties. When I clicked on the filter for two bedrooms, I got back six. And four of those were unfurnished. Another site, though, offered a two-bedroom with a private garden in the Arceaux neighborhood for $1,350.

Sale prices, as usual, depend on location. One agency had a flyer that listed a two-bedroom apartment with a terrace and parking near the newer suburb of Port Marianne for just $180,646. On the high end, there’s an air-conditioned three-bedroom apartment in Place de la Comédie for $503,479. Great location, but it would be noisy. The place is the largest pedestrian square in Europe! I saw lower sale prices in outlying communities, such as Palavas-les-Flots, and Pezenas.

*We saw lots of new construction outside the city center. Montpellier is still the fastest growing city in France.*

Being in the historic center is nice, but Leslie says that if we were to live here long-term she would want something more modern. Recently we took the Montpellier City Tour, a red bus that goes through some of the newer parts of this town. Modern can be found easily in places like Port Marianne and Odysseum, suburbs built in the 1990s while Montpellier was growing from the 28th largest city in France to its seventh largest. And there’s building underway. Looks like the state bird here is the construction crane. Live in one of these areas and you’re just a quick, inexpensive tram ride into the historic center and the main train station. Closer to the historic district is the Antigone neighborhood, which Leslie says she likes because of the classical Greek architecture. Different from the historic center, but with the same walkability — shops and restaurants everywhere.

That’s all on the dollars and cents angle. In the next post — our last from Montpellier — I’ll explain whether or not Leslie and I would consider living in this little corner of the south of France.

Bonne journée!

A better look at the Gothic ceiling in 1789, a Michelin-rated restaurant next door to our apartment. Somebody worked all day on that ceiling — 500 years before the French Revolution, which was in…right, 1789.

Europe, France, Living overseas, Retirement, Travel

Learning how to live like the French

Apologies, all. I neglected to provide a pronunciation for this energetic city in which we’re living through the end of June. If you took any French classes in high school or college, you probably know Montpellier is pronounced: moan-pell-YEA.

Leslie and I are getting into the French lifestyle, and it has its advantages. Notably, the idea of joie de vivre (zwah-du-VEEV-ruh), or “joy of living.” Leslie has done a bit of research on this concept. It’s all about enjoying life, nature, good food, fine wine. Work is less important than having a leisurely meal with friends, and it’s fine if that’s a two-hour lunch. Actually, work is less important than just about everything, which is counter to the culture we left behind in the States and we like it a lot.

Through Airbnb, we have a nice one-bedroom apartment with a comfortable bed, a big-screen TV and a decent kitchen. The refrigerator, however, is quite small. Once at the nearby grocery store I commented on something that looked delicious. “There’s no room in the fridge,” Leslie responded. So I stopped suggesting. Anyway, she picks the food, I’m just the pack mule.

So we’re adjusting to how the French live. They visit the markets almost daily, buying food for tonight’s dinner and maybe tomorrow’s breakfast. But many shops are closed (or have limited hours) Sunday, and many restaurants are closed Sunday and Monday. You have to plan appropriately.

olives-2379 — *A great assortment of olives at the market. One of the benefits of living near the* *Mediterranean.*

And the markets are amazing. Across the street from our apartment is the Halles Castellane, an enclosed market that’s open daily with stalls for a variety of vendors: fruits and vegetables, meat and chicken, cheese, fresh fish, dried fruits, pastries, even wine. One produce vendor sells fresh-squeezed orange juice — 5.90 euros ($6.94 USD) for a liter. Expensive, but it’s the best OJ in town! There are a couple of cheese vendors, but we like Les Marie because the young woman who runs the stand speaks a little English and is helping us try different French cheeses, like comté and appenzeller. Leslie was over the moon when she found her all-time favorite roquefort — the real stuff.

*Strawberries, ripe all the way to the center. Yum!*

The Marché des Arceaux, a short walk away, is an open-air market on Tuesday and Saturday mornings. It’s more like our favorite Saturday morning farmers market in Downers Grove — and just as crowded. You can buy almost anything here. In addition to fruits and vegetables, we got some gallettes (like a potato pancake — great lunch), some pâte de fruit (fruit candies), and a nice chunk of smoked ham with roasted vegetables. We also bought a bottle of wine and some olive oil from a woman who told us she grows the olives and presses the oil herself. Vendors set up their tents under the 18th-century aqueduct that once brought the city’s water 14 kilometers (8.7 miles) from the Saint-Clément spring to the water tower in Place Royale du Peyrou.

market-2380 — *Lots of people shop at the Tuesday and Saturday morning markets under the aqueduct.*

We’ve also learned more about the wines made in Languedoc-Rousillion, which is an area of more than 700,000 acres under vines. It is the single biggest wine region in the world, producing more than a third of France’s total wine production. You can get Languedoc-Rousillion wines in the States (see our friend Sean at Hinsdale Wine Shop!) but Leslie and I are focusing on wineries near Montpellier — especially from Pic Saint Loup (a mountain about 15 minutes northeast of Montpellier). There’s a wine shop right around the corner from our place, Maison Regionale des Vins, where they speak a little English and are eager to help us find great local wines, many of which come from the Pic Saint Loup appellation.

couple-2427 — *We enjoyed a glass of rose among the vines.*

We spent a morning recently at Domaine Haut-Lirou, riding in a 4X4 with new friend Nicholas to see the vineyards and taste their wines. The vines are bright green and growing like crazy right now. There’s been a lot of rain lately, which is good. Most of the vines have already set fruit, and we could see the beginnings of grapes. Their wines are excellent. We came home with four bottles! We’re planning more wine tours over the next few weeks.

*Nicholas explained pruning and how important it is for the vines.*

Finally, we’ve found an English-speaking non-denominational church. When I stumbled upon the website for International Chapel I thought most of the photos showed young people — college-age or slightly older. And highly diverse. Not many people that look like me or Leslie. It’s about a 15-minute walk from our place, so we went. Yep, mostly students and no old people. But this was one of the warmest, most outgoing congregations we’ve encountered yet. We met a couple with three kids from The Netherlands, here because of his job. We met a young woman from Papua who’s just wrapping up her Ph.D. We met a guy who grew up in Montpellier but is now married to a Chinese woman and they have a baby. Diverse? Yep again. Black, white, brown, yellow and mixtures of the above, from lots of different countries. It truly is an international church.

*There’s a lot of energy in this little non-denominational church, with young people from all over the world.*

We talked extensively with Pastor John and his wife Robyn, who have been serving International Chapel for 14 years. Turns out John grew up in Hinsdale! The church is in a very small space on the ground floor of an apartment building just outside the historic district. Their services don’t include much liturgy. Just several songs, some prayer, a sermon and a closing song. We like the church, the people, and the energy. We’ll go back over the coming weeks.

Next time, I’ll tell you more about the history of Montpellier and about some of the places Leslie and I have been able to visit — like the 13th-century Jewish ritual bath.

A bientôt!

*Red wine ages in French oak barrels. Haut-Lirou’s red wines are very nice!*

*Some of Haut-Lirou’s vineyards. Nicholas told us that on clear mornings, he could sometimes see the Alps in the distance. Not today, unfortunately.*

Costa Rica, Living overseas, Retirement, Travel

So what’s the cost of living in Costa Rica?

As we get ready to leave the land of pura vida, it’s time to talk dinero. If we choose to retire to Costa Rica, what would our cost of living be? It’s a key issue for us and always an inexact science.

Costa Rica’s currency is the colon. The current exchange rate is 566.795 colones to one U.S. dollar. So when you see something priced at 3,000 colones, that’s just a shade over five bucks. The guy at the airport car rental place called it “Monopoly money.”

Simply put, Costa Rica is not cheap. Eating out in restaurants, for example, costs us only slightly less than what we might pay in the U.S., and in some cases about the same. Last night we had steak and barbecued ribs at one of this town’s nicest spots, and it was slightly over $80 including wine and dessert. But last week we visited an excellent Thai/Balinese restaurant a short walk from our condo. Leslie had pad thai and I had Balinese beef stew. With lovely chicken spring rolls and two glasses of wine, we paid 27,400 colones — $48.34.

*Pineapples at the farmers market. Very sweet!*

But we have most meals at home, buying groceries and cooking. As in Mexico, the food bargains are at Jacó’s Friday morning farmers market, where roughly $30 USD buys us a bag full of amazing fruits and vegetables. We bought a pineapple that was probably the best I’ve ever tasted. Great tomatoes, zucchini, watermelon, green beans and avocados. Most of the produce is local, but some comes from other Latin American countries, such as the apples from Chile.

*Stalls at the Friday farmers market. Not a big market, but some very nice produce.*

We’ve shopped mainly at two grocery stores, and remember this is only for Jacó. We haven’t bought food anywhere else and prices might be different in other areas. Maxi Pali is a Costa Rican chain owned, I’m told, by Wal-Mart. It’s just down the street from our condo, and prices are lower than some of the other local stores. Here’s a sample:

fresh orange juice, 64 oz., $6.26.
15 large eggs, $2.81.
local chorizo, three links, $1.50.
mayo, 14.1 oz., $1.98.
oatmeal, 42 oz., $2.21.
white onions, 20.8 oz., $1.41.

The more Americanized option is called Auto Mercado. It’s about a five-minute drive down the main highway in the Plaza Herradura shopping center. Prices are a little higher, but we can find things like gluten-free bread and pasta, and their wine selection seems to be the best. We got one of our U.S. favorites, Apothic Red, but it was $17.81 a bottle and we usually pay $7. Of course here, it’s imported! Here’s some of what we bought:

six limes, $2.50.
Costa Rican coffee, 12 oz., $7.59.
Ritz crackers, 9.14 oz., $2.71.
seedless red grapes, 28.7 oz., $8.75.
gluten-free pasta, 8.8 oz., $1.42
head of Boston lettuce, $.97.

We’ve gotten some meats at these stores, but we’ve also gotten great cuts at a lower price from El Rodeo, a carneceria just off the main street through town that was recommended by our new friend Lisa. She also guided us to a relatively new pescedaria where we got a little over 2.2 pounds of fresh mahi-mahi for just under $9. I think we made three meals off that fish.

Not a great picture, but this is Jaco Bay Premium Towers where we’ve lived the past month. You could score a 2/2 here for under $300,000, but it’s pretty crowded on weekends. Yes, that’s a paraglider between the towers.

Moving on to real estate (all prices in USD), and I’ve tried to find properties in all three areas featured in this blog. I did not look in San Jose, although the San Jose neighborhood of Escazu (ess-kah-ZU) and the suburb of Alajuela (allah-WAY-la) are prime for North Americans to buy or rent. And please remember, we haven’t actually looked at any of these properties — I’ve just done a lot of research, either on the internet or by checking listings posted in real estate company windows.

Jacó is a beach town that’s known for surfing and partying. A 2/2 at one end of the beach with amazing ocean views is listed for $389,000. Pretty good for ocean view. Don’t need a view of the Pacific? Here’s a nice 2/2 condo with a short walk to the beach for only $227,000. On the high end, a stand-alone villa for $1.2 million. Rentals are available, but it appears the focus is on short-term vacation rentals. I did find a 2/2 in central Jaco for $1,000 a month, but it’s not close to the beach. Right on the beach, in nearby Playa Hermosa, there’s a 2/1 for $2,000 a month.

Atenas isn’t near a beach, but the mountain views from this Central Valley village can be stunning. Here’s a 2/2 with two 1/1 casitas on the property for $699,999. And there’s a more moderately-priced option, a 3/2 in Grecia for $178,500. As for long-term rentals, I found a couple of nice 2/1 properties just outside Atenas running from $1,200 to $1,400 a month.

Prices are lower in the area around Lake Arenal. You can even get amazing views for a bargain price. Like this new 3/2 in a gated community with lake views for only $169,000. If you’re on a tight budget and you don’t need to see the lake, there’s this 2/1 renovated house in the village for just $89,000, and you can walk to many stores and restaurants. I had to work hard to find a high-dollar property but here it is, just reduced to $995,000. It’s a 3/3.5 with a garden shower and an infinity pool with waterfalls! Area rental prices are low, too, running around $500 a month. I found a 3/3 with volcano and lake views for $800 a month on a six-month lease. From a price standpoint, Arenal wins.

So does that mean we’re moving to Costa Rica? The answer is in the next post!

Pura Vida!

*Good stuff at the Jaco farmers market. And this photo was taken late in the morning, so everything had been picked over. Still some nice produce.*

Living overseas, Mexico, Retirement

Low cost of living is a big plus for Ajijic

Monday, Oct. 16, was Leslie’s birthday. We celebrated at one of the top-rated restaurants in town — Ajijic Tango. Varied menu, but the Argentine steaks are stars of the show. We had the filet mignon for two — 26 ounces of mesquite-grilled beef, medium rare. We each had half a baked potato and a glass of red wine. We finished off by having two cups of descafeinado (decaf coffee) and splitting a piece of flourless chocolate cake. Total bill with tip was 664 pesos — $35 USD!

Lest you think we made pigs of ourselves with that huge chunk of beef, we did a para llevar (doggy bag) on at least half of it. We had steak on our salads at lunch the next day, and steak-and-eggs for breakfast another morning.

steak-1892 — *It tasted as good as it looks!*

That’s just one indicator of the Lakeside cost of living. Eating out is so inexpensive we often pay cash, especially at lunch.

I got a haircut a few weeks ago. I recall paying 200 pesos in Playa del Carmen. At Joe’s Barber Shop, just down the street, the haircut was only 80 pesos. With a tip, I paid a little over $5 USD. Leslie found a good place for a pedicure, which was only 160 pesos. That’s less than $9 USD. She’s gone back twice for other things.

Groceries, as usual, come from several different places — just like back in the U.S. One favorite spot is Super Lake, known for having lots of items popular with Americans and Canadians but with prices a bit higher than other stores. They have the best selection of gluten-free items. From our receipts, prices in USD:

Silk almond milk, 947 ml, $2.23.
Orowheat bread, $2.30.
President unsalted butter, 200g, $2.99.
Schar gluten-free bread, $5.47.
Filippo Berrio olive oil, 750ml, $6.79.
Pasta, gluten-free, 1 lb., $6.55.
One dozen brown eggs, $1.83.

Closer to home is Supermercado El Torito. We were told, “That’s where the Mexicans shop. The gringos shop at Super Lake.” One reason the locals shop at El Torito: lower prices, especially on meats. The grocery selection is not as good as Super Lake or Wal-Mart, but we saw a number of gringos shopping there. We got 1.82 pounds of ground beef at El Torito for $5.25, and two pounds of chicken breasts was about the same.

Tony’s is the best carneceria in our area. For example:

About a pound of ground beef, $2.78.
Nearly two pounds of chicken breasts, $4.26.
Just over a pound of smoked bacon, $3.50
A one-pound pork tenderloin, $2.35.

All our fruits and vegetables come from the Wednesday morning tianguis, where the real savings is. You’ll see lots of locals as well as ex-pats.

*These folks always have fresh produce.*

We have no idea what individual items cost at our favorite vendor. We put everything into a round plastic bin, they weigh everything individually and we pay the total price. Last week it was 180 pesos, roughly $10 USD, and we got:

Eight carrots.
One head green-leaf lettuce.
Four medium tomatoes.
One bunch cilantro.
Three white potatoes.
Two sweet potatoes.
One medium red onion.
Two small heads broccoli.
One poblano pepper.
One-half pound (approx.) green beans.
Five large portabella mushrooms.

At a different vendor, we got eight pints of fresh locally grown blackberries, raspberries and strawberries for 170 pesos, or $8.95. And to make my special pico de gallo, I got three medium jalapeños for 5 pesos, roughly 25 cents.

Shopping at the local markets saves money, as you can see. But it’s also a social event. We’re starting to see people we know at both the Tuesday morning organic market and the Wednesday morning tianguis. The organic market is great for home-made hummus, specialty chorizos, nuts, free-range eggs and chicken, and prepared foods such as tamales and tortilla español. It’s a little more expensive than the tianguis.

Unlike the tianguis, the Tuesday morning organic market is inside a large “eventos,” a hall where people often have large parties. Lots of great stuff here.

Let’s leave food now, I’m getting hungry while typing. The other big expenditure, no matter where you live, is housing. This area, like most we’ve encountered in our travels, has a wide range of available housing for sale and for rent. You can easily buy a nice home here for under $200,000 (all prices are USD), but if you want to be up the hill and have a lake view, that will cost closer to $350,000. Rentals range from less than $500 a month to well over $2,000. The good news for us is that there are rentals with views of the lake that fit our budget.

And unlike other places we’ve lived, Leslie and I have seen a number of homes here. Some on the market and some owned by new friends who’ve been showing us around. Most of the real estate companies have a free home tour once a week. We went on an Ajijic Real Estate tour of five homes. Two were in Racquet Club, a gated community in the San Juan Cosalá neighborhood. They were $269,000 and $349,000. The lower level of the more expensive one could be closed off and rented as a casita, so there was income potential. We also saw a nice 2/2 slightly closer to Ajijic for just $187,000, but the view was not as good.

On our way home from the tianguis one Wednesday, Leslie and I spotted an “open house” sign, so we wandered in. It was a new 3/2.5 in a gated compound. Dwight, the agent on duty, said the price had been reduced to $249,000. It was nice, but the only lake view was from the mirador on the third level. Many Lakeside homes have this feature. It’s usually a small area above the roof where the view is good and you can enjoy a glass of wine and watch the sunset. But in this condo, the mirador was a huge terrace complete with wet bar. You could have a party for 100 people easily!

Prices tend to be lower in the town of Chapala and other surrounding communities, but we prefer Ajijic. Here’s a sampling of what’s on the market right now, all in Ajijic:

A 2/2.5 in West Ajijic with lake and mountain views from the mirador. $117,500.
A 2/2 with casita (which makes it a 3/3, technically) in Upper Ajijic (north of the carretera, where homes are generally newer. Big yard and view of Lake Chapala. $212,000.
A 4/4 in tony Raquet Club on a double lot with a private pool, mirador and casita. $639,000.
And for the high rollers, there’s this one in Upper Chula Vista. Stunning, and only $850,000. Unfortunately, it just sold.

If Leslie and I were to choose this area, we would definitely rent for at least a year, and if that works out we would most likely try to find a place with a three- to five-year lease option. The rental market is good right now, but lots of gringos are coming to Lakeside, so prices may go up.

Rents vary by area and whether or not there’s a lake view. We know someone who’s renting a 2/2 just off the main road in San Antonio Tlayacapan for $350/mo. It’s small and not in a subdivision, but it has a gated carport and a nice mirador. You can also find luxury properties on the hillside that rent for $2,500/mo. or more. Other possibilities include:

A 3/2.5 in Upper Ajijic (north of the main road) with a small view of the lake. $700/mo.
A 3/2 in San Antonio Tlayacapan close to Wal-Mart and other shopping, but no views. $950/mo.
A 2/2 with study in Los Sabinos. No lake view but great outdoor space. Taxes, HOA fees, utilities and gardener included. $1,500/mo.
A 2/2 in Puerta Arroyo with lake and mountain views, a nice lawn, great patio, and a jacuzzi. $1,750/mo.

All that stacks up well with the other Mexican cities we’ve lived in, and in some ways Lake Chapala costs are slightly lower. Of course, it’s all less expensive than living in Chicago’s western suburbs.

Last post from Mexico coming up soon!

Hasta luego!

*It’s best to get to the tianguis early. I took this a little after noon, and the crowds have already thinned out.*

archeology, food, history, Living overseas, Mexico, Retirement, Travel

Living in Playa, and a side trip to Tulum

As we near the end of our time in Playa del Carmen, let’s examine the cost of living in this neat little beach town. That’s always a major factor in deliberations over where we will spend our retirement.

Meals in Playa restaurants seem a bit higher than in some of the other Mexican cities we’ve lived in. That’s probably because we’ve been to places that cater almost exclusively to tourists. We’ve paid only a bit less than we would expect to pay at similar quality restaurants in places like Naperville, Westmont or Downers Grove. If we lived here, we would go more often to places the locals frequent. They’re usually less expensive.

More important for us is the cost of groceries, because we dine in more often than we dine out. Unfortunately, there is no central mercado here, as there was in San Miguel de Allende and Mérida. Mega is the closest American-style grocery store. We know them from other Mexican cities and they’re generally okay. Our purchases there included:

almond milk, 946ml, $2.51.
toothpaste, 4.5 oz., $2.32.
premium orange juice, 1L, $2.29.
ground beef, 19.7 oz., $4.42.
chicken breasts, 38 oz., $5.88.
olive oil, 750ml, $7.65.
dozen eggs, $.98.
Advil, 200mg, 24-pack, $3.44.
Orowheat multi-grain bread, $2.42.

priest-1773 — *Dac Market is open-air. No walls or doors. See the baskets? Those are your “shopping carts.”*

There are a number of markets that sell frutas y verduras (fruits and vegetables). Our favorite is the Dac Market, where you can get nuts, chiles, spices and dried fruits, such as raisins, in bulk. This market is larger than most neighborhood fruit stands, and their produce is definitely better than the big chain stores. Here’s a sample:

carrots, 27 oz., $.54.
limes, 21 oz., $.58.
white onions, 23 oz., $.60.
romaine lettuce, $1.11.
zucchini, 19 oz., $.30.
raisins, 12 oz., $1.08.
avocado, 15 oz., $1.83.
white potatoes, 17 oz., $.46.

*Colorful jars of bulk spices and seeds at Dac Market.*

Meat and fish tend to be better at a carneceria or pescaderia. There are two meat shops and two fish vendors close to us. A few days ago, Leslie went to Pescaderia El Mero Mero and bought some very nice grouper for dinner. The owner told Leslie his shop had provided the fish for a Mexican television version of “Top Chef” that featured Rick Bayliss. Good enough for Rick, good enough for us! Leslie picked out two whole fish, then the owner’s assistant filleted them on the spot — fresh, never frozen. We ended up with four six-ounce fillets for less than $10 USD. And what Leslie did with it was muy sabroso!

Real estate is also important, and Playa is a little different from other places we’ve lived. Vacation rentals are everywhere, especially between the main road (Highway 307) and the beach. There are no high-rises here, only condo buildings three to five stories high.

*Typical new condo building. At one time, developers were limited to three stories. Now, five is the max.*

And there are more on the way. If you’re a construction worker and you need a job, come to Playa. Several condos or hotels are under construction.

Real estate sales pitches tend to tout income potential — buy a condo in PDC for your vacations and rent it out whenever you’re not here. That’s not for us, but it’s normal here. And prices are all over the map. There’s a third-floor, two-bedroom condo for sale in our building, Aqua Terra, for $245,000 USD. They had an open house last week and we took a look. There’s a rooftop area that would be great for entertaining or sunbathing, but the view is nothing special.

Then there’s a two-bedroom unit in condo-hotel Aldea Thai, right on our favorite beach. It has a private pool and says it has “great views” but none of the photos show an ocean view. It seems a bargain at only $650,000 USD. Right across the street, they’re hard at work on Ocean Residences, one of many new luxury condo buildings. We talked about looking at the model, but haven’t done it yet.

Want to spend more? I found listings online up to $10 million USD. If you’re looking for a bargain, you’ll need to look outside Highway 307 or in some of the smaller towns between Cancún and Tulum. Buying on the Riviera Maya would take a lot of research, figuring out exactly where you want to be, then spending a lot of time with a good agent. There are a lot of properties for sale here.

Rentals, as noted, tend to be vacation rentals rather than long-term. Go on Airbnb or VRBO and you’ll find luxury properties that will set you back $500 a night or more, USD. We were lucky to grab something in our budget. I found long-term rentals online, but there are few bargains at $1,500 USD a month and more. There was one listing in Tulum for $1,000 USD a month. It’s a nice two-bedroom house with good outdoor spaces, but it’s not close to the beach and you would need a car to get anywhere.

So, does Playa stay on the list or not? That’s coming up in the next post!

Living on the Riveria Maya would not be boring, though. There are lots of attractions on this stretch of the Yucatan Peninsula that runs essentially from Puerto Morelos (just south of Cancún) in the north to Tulum in the south. There’s also the island of Cozumel, a 40-minute ferry ride from Playa, where scuba diving and snorkeling are big business. We visited Tulum last week to see more Mayan ruins.

Castle-1757 — “The Castle” at Tulum. When Leslie and Stephanie were here many years ago, people could climb those stairs to the top. The authorities don’t allow that anymore because at least one person was injured in a fall here, according to our guide.

Leslie and her daughter Stephanie went to Tulum nearly 30 years ago when they were on a cruise. Back then, she says, the site consisted of “the castle” and not much else. Archeologists have uncovered much more of the site now, and it’s amazing. There’s even restoration work being done right now on a building that’s in danger of collapse.

Our guide Dan told us Tulum was probably the last city the Maya built.

priest-0986 — One of the few houses still standing at Tulum. Our guide said this was the home of the high priest. There are lots of foundations inside the walls of Tulum. Priests and other high-ranking Maya lived here while most lower-class people lived in villages outside the walls.

Next time, I’ll review our five weeks in Playa del Carmen and let you know if we’ll be coming back any time soon. Spoiler alert: The humidity here is often greater than 90 percent!

Hasta luego!

food, Living overseas, Mexico, Retirement

Merida: Costs are low, too bad about the heat

If you’ve been following us since the beginning of this sojourn, almost eight months ago, you know Leslie and I are looking for a place to live in retirement where we will “never be cold again.” So imagine my surprise when my lovely wife said to me: “I’ve learned one thing living in Mérida. It is possible to be too hot.” Yep. And, I might add, too humid.

It is incredibly hot here. Oppressive heat. Excessive sweating heat. Two showers a day heat. And we’ve been asked to use the air conditioners in the house sparingly because they use a ton of electricity and it’s supposedly quite expensive. If a house uses too much electricity, the state government can charge a higher rate. But what prompted Leslie’s comment is the amount of fun we had on Tuesday (May 23).

We had finished breakfast and were planning our day when the power went out. AC was not on in any room at the time, but we checked to make sure no breakers had been tripped. They had not. We contacted the rental agent for this house and she said it was a city-wide power failure. Later in the day, we learned that the entire Yucatan Peninsula was affected, from Cancún to Campeche. We heard that even parts of Mexico City were affected. This, on a day when the high in Mérida was forecast to be over 100° F. and the heat index around 105°. We spent most of the day in the pool.

B83F0797-C51C-46FD-A3AA-C396BB0BB5C2 — *We’re smiling because this was our refuge from the heat during the power outage. Somehow, the pool water stays fairly cool even when it’s 100 degrees or more every day.*

So even though we have about two weeks left here, Mérida is officially off our list. I still want to tell you about the cost of living here, because it seems to cost less to live here than in the other two Mexican cities we have tried. That makes it hard to eliminate this city, but there are reasons other than the heat and I’ll explain them in the final post from here.

This is strictly anecdotal, but taxis seem to charge less here than in Puerto Vallarta, for example. A ride I would have expected to pay $70 to $80 pesos for in PV was only $50 pesos here. Leslie bought two new pair of shoes a few days ago for about half what the same shoes would have cost in the U.S. There’s a small farmacia (drug store) right off Santiago Park where I bought some Advil, 24 tablets, for $2.70 USD.

Restaurant prices seem generally lower here — even lower than in other Mexican cities. I took Leslie out for dinner on Mother’s Day (even though she’s not my mother) at Apoala, a nice place that features food from the Mexican state of Oaxaca (wah-HAH-kah). Leslie had sea bass and I had a roast pork dish with black beans. Dinner for two, with wine, was about $60 USD. We would easily have paid over $100 in the U.S. for that meal. And we enjoyed breakfast this morning at Maize, Canela (cinnamon) y Cilantro. I had Mexican-style eggs (scrambled with tomatoes, onions, serrano peppers and chorizo) and refried black beans while Leslie had an omelet stuffed with chaya (a Yucatan green, similar to spinach). With one hibiscus tea and one cup of coffee, the total bill was $170 pesos — less than $10 USD.

Grocery store prices vary somewhat, as usual, depending on the store. Here’s a brief list of purchases at the three supermercados we’ve been to so far — Mega, Soriana and Wal-Mart:

premium OJ, 1L, $1.14
oatmeal, 800g, $1.62
rice, 900g, $.85
medium red onion, $.33
gluten-free bread, $5.17
almond milk, 946ml, $2.49
bacon, 227g, $4.18
1 dozen eggs, $1.07
boneless, skinless chicken breasts, 1K, $4.73
paper towel roll, $1.41
coffee, 340g, $5.00
cilantro bunch, $.36

Contrast that with the mercado near Santiago Park, where lots of locals shop. A bag of limes — 13 of them — cost five pesos. Five. That’s only 27 cents USD at today’s exchange rate. At Nature’s Best in Westmont, where we used to shop regularly, you might get five-for-a-dollar on special. We also bought two nice Mexican squash and two large zucchini, all for 38 pesos, or two dollars.

At the other end of the market spectrum is the weekly Slow Food Market, where prices are higher but so is the quality. We pay roughly $30 pesos ($1.62 USD) for a bundle of lettuce — several different kinds — that usually lasts all week. Another vendor sells homemade hummus for $50 pesos, which is $2.71 USD. Closer to prices in U.S. stores, but frankly some of the best hummus we’ve tasted. Then there’s the sausage lady, the tamale guy, the gringo couple selling smoked meats, and the woman who sells various cuts of lamb. All high quality but on the pricey side — relatively.

And tonight we’re going to a performance by the Yucatan Symphony Orchestra at Teatro José Peón Contrearas. I paid $400 pesos for two main-floor seats. That’s about $22 USD for two tickets. The cheapest orchestra-level seats at Symphony Center for a Chicago Symphony Orchestra concert are $56 a pop. Okay, that’s like comparing a nice Honda Accord to a BMW 7-series, I know. But you get the idea.

As for real estate, it’s a mixed bag. We’ve walked past a lot of really nice updated homes in the Santiago neighborhood sitting right next to a run-down rat hole. Sometimes between two run-down rat holes or empty shells. And we haven’t seen much outside our neighborhood. I’ll do a little more research and report on real estate prices next post.

*Just wanted to leave you with a shot of our pool. It’s small but deep, so we can cool off.*

More photos next time — I hope! Hasta luego!