What if you could retire in a safe, peaceful Mexican town with Caribbean charm, year-round sunshine, and a cost of living that stretches your retirement savings further than you imagined?
Welcome to Chetumal—a coastal capital nestled on the southern edge of Quintana Roo, Mexico. Often overshadowed by its famous neighbors like Cancun or Playa del Carmen, Chetumal remains one of the best places to retire in Mexico in 2025 for retirees seeking peace, value, and a sense of authentic community.
Why Chetumal? The Anti-Resort Retirement Destination
Chetumal isn’t packed with mega-resorts or cruise ships. Instead, you’ll find quiet neighborhoods, local markets, genuine Mexican culture, and friendly locals. Located on the border with Belize, it acts as a tranquil Caribbean gateway to both Mexico and Central America.
If you’re tired of the hustle of big U.S. cities or the tourist-filled areas of Mexico, this town will feel like a breath of fresh air.
Year-Round Tropical Climate (With a Side of Sea Breeze)
Chetumal enjoys a classic Caribbean climate: hot, humid, and sunny year-round.
-
Summer highs often reach 105°F (40°C), especially in August.
-
Winter lows rarely dip below 70°F, making it an ideal escape from harsh North American winters.
-
Hurricane season (July to November) does affect the region, but storms are infrequent and locals are well-prepared.
Thanks to its sea-level location and ocean breeze, many expats find the heat manageable, especially with modern homes designed for tropical living.
Cost of Living in Chetumal vs. U.S. Cities
Let’s get down to numbers. The cost of living in Mexico is one of the top reasons retirees consider relocating—and Chetumal stands out for its affordability.
| Expense | Chetumal Estimate (USD) | U.S. Equivalent (e.g., Miami) |
|---|---|---|
| Rent (2-3 bed home) | $1,000–$1,500 | $3,500–$5,000 |
| Utilities | $100–$200 (bimonthly) | $300–$500 |
| Internet (fiber optic) | $30–$80 | $100+ |
| Groceries | $200–$300/month | $500+ |
| Dining Out | $5–$15 per meal | $20–$50 per meal |
| Transportation (taxis) | $2–$3 per ride | $10–$20 |
Bottom line: You could save over $30,000/year while enjoying a calmer, richer lifestyle.
Daily Life: What to Expect
Living in Chetumal means:
-
Waking up to birds, not traffic
-
Shopping at local markets where vendors remember your name
-
Walking to the waterfront instead of commuting for hours
The pace is slower. The stress is lighter. And the smiles are more genuine.
You won’t find rooftop brunch spots or trendy beach clubs. But you will find community, authenticity, and space to breathe.
Shopping & Essentials
Chetumal is part of a free economic zone, so products are often cheaper than in other Mexican cities.
Local Shopping:
-
Mercado Municipal & Mercado Lázaro Cárdenas: Fresh produce, meats, and local goods.
-
Modern supermarkets: Walmart, Chedraui, Soriana, and Sam’s Club for international brands.
Whether you’re cooking at home or hunting for electronics, your dollar stretches farther here.
Healthcare in Chetumal
Affordable, accessible, and dependable—Chetumal covers most healthcare needs:
-
Private clinics & general hospitals: For common care and minor procedures
-
Pharmacies: Easy access to medication, many without prescriptions
-
Specialty care: For complex issues, expats travel to Cancun or Mérida
Based on our 10+ years helping expats move to Mexico, we recommend private health insurance with coverage for nearby cities.
Getting Around
Transportation is easy and affordable:
-
Taxis: $30–50 pesos ($2–3 USD) per ride
-
Buses: Available but less frequent than taxis
-
Airport: Chetumal International connects to major cities like Mexico City and Miami
-
Maya Train: A new station is being built, enhancing regional access
Most expats find a car isn’t necessary due to the town’s walkability and compact layout.
Culture, Lifestyle & Community
Chetumal isn’t flashy—but it’s full of soul.
-
Boulevard Bahía: A scenic waterfront promenade
-
Museo de la Cultura Maya: One of the most educational attractions in the Yucatán Peninsula
-
Family-run restaurants: Offering cochinita pibil, panuchos, and Caribbean seafood
-
Art & cultural centers: Traditional dances, music nights, and language exchanges
And let’s not forget your proximity to:
-
Bacalar: The breathtaking Lagoon of Seven Colors
-
Mahahual: A peaceful beach town with coral reefs
-
Belize: Just across the border for a quick international trip
You get authenticity without isolation and culture without crowds.
Pros and Cons of Retiring in Chetumal
Pros:
-
Low cost of living
-
Friendly, tight-knit community
-
Warm weather year-round
-
Caribbean access without tourist crowds
-
Real Mexican culture, not a resort bubble
Cons:
-
Limited nightlife and entertainment
-
Slower government/bureaucratic processes
-
Fewer English speakers (though growing)
-
Need to travel for major medical services
Chetumal isn’t for everyone. But for retirees looking for tranquility, affordability, and connection, it may be perfect.
Is Chetumal Safe for Retirees?
Yes. While no city is 100% crime-free, Chetumal is considered safe by both locals and expats.
-
Low levels of violent crime
-
Community-oriented policing
-
Areas like Campestre and Residencial Ketzal are popular and secure
Like anywhere, using common sense and avoiding late-night walks in unfamiliar areas goes a long way.
Final Thoughts: Is Retiring in Chetumal Right for You?
Retiring in Chetumal offers a rare combination of affordability, safety, and serenity. With its Caribbean coastline, authentic culture, and cost-effective lifestyle, it’s no wonder more North Americans are trading high-rise condos for palm trees and hammock mornings.
So if you’re dreaming of a place where retirement feels like freedom, this hidden gem might just be the answer.
Ready to start your retirement journey in Mexico? Contact our expert team today.
FAQs About Retiring in Chetumal
Is retiring in Chetumal safe?
Yes. While you should always exercise basic caution, Chetumal is generally very safe for retirees and expats.
How much does it cost to live in Chetumal?
A modest, comfortable lifestyle can cost $1,500–$2,000/month including rent, groceries, and healthcare.
Are there expat communities in Chetumal?
Yes. While smaller than in Playa or Ajijic, a growing expat scene exists and is welcoming.
What healthcare options are available in Chetumal?
Private clinics, pharmacies, and hospitals cover most needs. For specialized care, Cancun or Mérida are a few hours away.
Do I need to speak Spanish to live in Chetumal?
While helpful, it’s not mandatory. Many locals are bilingual and language immersion helps over time.