Your complete 2026 guide to retiring in Oaxaca, Mexico. Costs, visa options, healthcare, safety, and quality of life — all in one place.
| Category | Single | Couple |
|---|---|---|
| Rent (1BR / 2BR) | $350 | $490 |
| Groceries | $150 | $225 |
| Utilities | $40 | $52 |
| Transport | $12 | $24 |
| Healthcare | $35 | $60 |
| Total | $587 | $851 |
Based on current cost of living in Oaxaca, here's how long different savings amounts will sustain you:
| Savings | Single | Couple |
|---|---|---|
| $200,000 | 28.4 yrs | 19.6 yrs |
| $300,000 | 42.6 yrs | 29.4 yrs |
| $500,000 | 71.0 yrs | 49.0 yrs |
| $750,000 | 106.5 yrs | 73.4 yrs |
| $1.0M | 142.0 yrs | 97.9 yrs |
Assumes current costs, no investment returns or inflation adjustment. Calculate with your exact numbers →
Here are the visa programs available for retiring in Mexico:
Income tied to UMA (updated annually). Savings alt: ~$46K avg balance over 12 months. Converts to permanent after 4 years. Mexico taxes residents on worldwide income.
Direct permanent residency with higher thresholds. Savings alt: ~$190K avg over 12 months. No renewal needed.
Tax rates are indicative. Your actual liability depends on residency status, tax treaties, and personal circumstances. Consult a tax advisor.
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Try Wise for Free →A single retiree needs approximately $587/month in Oaxaca, covering rent ($350), groceries, utilities, transport, and healthcare. A couple needs about $851/month.
Mexico offers 2 visa programs for retirees. The most accessible is the Mexico Temporary Resident Visa.
Oaxaca has a safety score of 45/100, ranking #142 out of 182 retirement destinations in our database.
Oaxaca scores 50/100 for healthcare quality, ranking #148 out of 182 cities. Private health insurance for retirees 60+ costs approximately $250/mo.
With $500,000 in savings, a single retiree can expect their money to last approximately 71.0 years in Oaxaca. For a couple, approximately 49.0 years.
Inheritance tax in Mexico: None. Capital gains tax: 10%. No wealth tax.
Our retirement data is compiled from multiple authoritative sources, cross-referenced for accuracy:
All data is for informational purposes only and updated periodically. Individual circumstances may vary. Consult a qualified financial advisor for personal retirement planning. Last updated: March 2026.