Is Lake Chapala One Of The Best Places to Retire in Mexico?

Mexican cities are fast becoming expat hotspots. But not everyone moving to Mexico wants a city life. 

Many foreigners leaving the busyness in their home countries look for quiet living with good weather and facilities at affordable prices. 

If that sounds familiar, living in Ajijic (Jalisco), by the beautiful lake Chapala, might be for you:

Population in Ajijic

Ajijic is home to around 11,500 people. Expats are thought to make up about 20-40% of the population. 

The town was once known as a destination for retirees moving to Mexico from USA. But that’s no longer the case. It is increasingly becoming diverse, with many expats and Mexicans of all ages, including young families, moving here. 

Read also: Is Ajijic Only For Retirees?

Ajijic also attracts snowbirds during the winter months. And many visit for leisure, especially from the nearby city of Guadalajara.  

Climate in Ajijic

The warmest months are from March to June, with temperatures averaging in the mid 80s during the day. 

December and January are relatively cold, with average temperatures hovering slightly below 60F. But with daytime highs in the mid-70s, you can comfortably engage in outdoor activities.

June to October is the rainy season. However, the rainfall is much lower than in some other regions.  

FREE MOVING TO MEXICO CHEAT SHEET

Cost of living in Ajijic

Ajijic is not one of the cheapest places to live. But it is much more affordable compared to the U.S. and Canada.  

Let’s look at some numbers for Ajijic (Sources: Numbeo, Vivanuncios, & our customers)

Rent in Ajijic

Monthly rates:

• 1-bedroom apartment in the city center – $14,000 Pesos, about $736 USD
• 3-bedroom house in the city center – $25k-$30k Pesos, about $1,300-1600 USD
• 2-bed, 2-bath house – $20,000 Pesos, about $1,053 USD

There’s a strong demand for rentals in Ajijic. So, your best bet is to work with a local real estate agent who can help you find the right home. 

Check out our COMPLETE Mexico Relocation Guide for a list of reliable real estate agent contacts and private relocation tour guides. 

Utilities

A couple can expect to pay the following amounts per month on average: (using a 19:1 exchange rate)

• Water – $300 Pesos, about $16 USD
• Gas – $300 Pesos, about $16 USD
• Electricity – $200 Pesos, about $11 USD or $400 every 2 months, about $21 USD
• Internet – $500 Pesos, about $26 USD

Electricity is a fairly significant expense for some expats in Mexico. But you can save on electricity in Ajijic because you rarely need air conditioning.

Groceries and eating out

• 3-course dinner at a mid-range restaurant (for two) – $800 Pesos, about $42 USD
• Budget meal at a cheap restaurant (for two) – $200 Pesos, about $11 USD
• A large domestic beer – $30 Pesos, about $1.58 USD

There is no shortage of restaurants in Lake Chapala. And you can have everything from an inexpensive meal for $100 pesos up to $1,000 pesos a person (about $5 USD and as expensive as $55 USD+). There is so much to choose from in Ajijic and Chapala that if you love eating, you’ll love exploring.

Monthly groceries can cost around $7,000 pesos for a couple (about $368 USD) if you shop at local shops and markets. Remember that imported food, including pet food, is expensive in Mexico. 

There are no large shopping malls or a Costco in Ajijic. But they’re available in Guadalajara (about an hour away). In Guadalajara, you have everything from Bed Bath and Beyond, City Market, Soriana, Chedraui, Costco, and everything in between. There are even tour companies that will take you shopping for the day and bring you back to Ajijic.

Transport

If you live in the center of Ajijic, you can walk to all the amenities. 

There’s also public transport and taxis:

• Local bus fare: $8 Pesos, about $0.42 USD
• Bus to Chapala: $12 Pesos, about $0.63 USD
• Taxi: About $20 Pesos per KM, about $1.05 USD per KM

While a car is not a must to live in Ajijic, it is handy if you want to visit Guadalajara and other areas often. It’s also handy considering that the local taxis are inconsistent and Uber is virtually non-existent.

The total cost of living in Ajijic

A couple can live comfortably for around MXN 35k-$40k or about $1,800-$2,100 USD a month. 

But as with anywhere in the world, your cost of living will depend on your lifestyle.  

How Can You Find Rentals in Lake Chapala?

Finding the best rentals in Lake Chapala and all of Mexico is mostly about looking where the locals look. If you only search English-speaking groups or English websites, you’ll only find things posted in USD. And when things are posted in USD, they might not be the best deal!

But if you search for keywords like “renta de casa en ajijic” or “renta de casa en lago de Chapala,” your search results will give you what the locals post.
Another pro tip is that Mexicans tend to find rentals by word of mouth in Mexico. So you will usually find some of the best rentals for the best prices by asking around when you first land. Or you’ll find the best rentals by finding signs on windows or walls saying ”se renta” with a phone number next to it.

It’s important to ask everyone you meet if they know of any rentals. And when you do find one that is a good deal, make sure you ask the landlord or broker for verification to ensure you don’t fall victim to a real estate scam. Ask them for proof that they have permission to rent the home. This can be done by asking for an ID and a utility bill and ensuring the names match. Or ask to speak to the owner directly to ensure they rent the house.

And never ever rent a house without seeing it first!

But if you don’t speak Spanish and you don’t know the area, we highly recommend working with a reputable realtor. They can do the house hunting for you, negotiate the terms of your lease, and act as your advocate in the transaction. There are usually more protections when you hire a well-known realtor.

Healthcare in Ajijic

The thing about Lake Chapala, and specifically Ajijic, is that even though it is a small community, there is no shortage of excellent healthcare! There are many general physicians and specialists in the area and good healthcare facilities, including Hospital Ajijic, Ribera Medical Center, and Chapala Med. 

Head to Chapala, just 7 miles away, for even more options. 

And if you need any advanced treatments like heart surgeons or oncologists, you can easily visit Guadalajara. As Mexico’s second-largest city, it has top-notch healthcare facilities. Guadalajara is known as Mexico’s best healthcare destination.

Watch my interview with Dr. Hernandez to learn more about medical care in Mexico.  

You can find nurses and caregivers if you’re an older adult retiring in Ajijic or moving with others who need assistance. The town also has nursing homes and assisted living facilities.  

Things to do in Ajijic

Most foreigners move to Mexico in good health and want to stay active. Don’t worry! You won’t be bored in Ajijic. Here are some things to do while living in the area:

Enjoy lake-side living

Lake Chapala is Mexico’s largest lake. While it’s not ideal for swimming, there’s still much to do. 

The Malecon (pathway by the lake) is great for long walks, whether you want to have a relaxed stroll or get some exercise. The area is vibrant. Don’t forget to stop by some of the many vendors for a snack.  

You can go kayaking on the lake. Or take boat tours to the nearby islands.

Discover the art scene.

Ajijic is well-known for its art (and artists). There’re art galleries, art shows, and street art to enjoy.

If you want to pick up a creative hobby, you’re in the right place. Join workshops and classes to learn artistic skills and have fun. 

Volunteering and community events

Many expats in Mexico want to give back to society. You’ll have several options to volunteer in the area, including helping children and animals. 

The town is community-focused, meaning you can make friends. Don’t forget to check out the Lake Chapala Society. They have many programs and fun events to help you integrate into your new life. You can also enjoy their facilities, including a library and a pottery studio.  

Other Towns in Lake Chapala

Despite Ajijic being the most popular town in Lake Chapala with expats in Mexico, you should visit other notable towns.

These include Chapala, San Antonio Tlayacapan, Atotonilquillo, and Jocotepec.

In the Chapala municipality (the equivalent of a county in the US), Chapala is the main town. It has a population of about 25,000 people as of 2020. Followed by Ajijic with about 12,000 people, and then Atotonilquillo with about 7,000.

Many people looking to live in Lake Chapala quickly turn to Chapala as their favorite town, primarily because of the lower cost of living, better infrastructure, wider streets, and no cobblestones.

Check out this video I did comparing Chapala and Ajijic

Living in Lake Chapala

Getting around

There are convenient flight options between Guadalajara and many other North American cities. You can get direct flights to Houston, Dallas, Chicago, LA, Las Vegas, Seattle, Phoenix, Atlanta, and many more places. 

Safety

The state of Jalisco has been in the news for increasing crime. However, most expats feel entirely safe in Ajijic and the Chapala area.

It’s vital to exercise general precautions as you would anywhere because petty crime can happen.  

Plan Your Move to Ajijic

Now you know Ajijic is one of Mexico’s best places to retire. But packing up and moving countries is a big decision. So, I always ask my clients to make a scouting trip first. 

Alternatively, 

Check out our Private Mexico Relocation Tours with local expert guides. You can learn about living in one of the various towns that make up the Lake Chapala area and clarify all your questions. The tours happen at your own pace, so you can spend as much (or as little) time as you want.