Retiring in Peru: Ocean Views, Ancient Culture, and Affordable Living
If you dream of a vibrant retirement destination with breathtaking coastal views, rich culture, and affordable living, Peru might be your paradise. With a population of over 34 million people, Peru is a country of stunning contrasts—from high Andean peaks and lush jungles to dramatic Pacific coastlines. The capital city, Lima, is home to around 10 million residents, making it the largest metropolitan area, followed by Arequipa (1 million) and Trujillo (just under 1 million).
The Cost of Living in Peru
Retirees are often amazed at how far their dollars stretch in Peru. In downtown Lima, a comfortable one-bedroom apartment might cost $500 to $800 per month, depending on the neighborhood. But move just outside the city center or into coastal gems like Huanchaco, Mancora, or even the Miraflores district overlooking the Pacific. You can find modern condos for under $600 a month, often including utilities and high-speed Wi-Fi. Some buildings even come with rooftop terraces, pools, and ocean views that rival California’s coastline—at a fraction of the cost.
Grocery shopping can be both fun and economical. Local markets are filled with fresh fruits, vegetables, meats, and seafood for significantly less than you’d pay in the U.S. A couple can easily spend $150 to $250 monthly on groceries. Dining out? A delicious local meal at a family-owned restaurant or “menu del día” can cost as little as $3 to $5, while mid-range dining costs $15 to $25 for two people.
How to Retire or Live in Peru
Peru allows many visitors to stay for up to 90 days without a visa, which is the perfect time frame to explore the country and decide if it’s a good long-term fit. You can travel to various regions—from the Amazon Rainforest to Machu Picchu, and from colonial cities like Cusco to beach towns like Paracas—and see what lifestyle suits you best.
If you decide to stay longer, Peru offers a retirement visa (Rentista Visa). To qualify, you must prove a lifetime income of at least $1,000 per month, such as from Social Security, pensions, or other reliable sources. The visa allows permanent residency and even tax exemptions on foreign income. The process can be handled independently or with the help of local legal experts for a smoother transition.
Culture, Cuisine, and Connection
Peru’s culture is a delightful blend of Indigenous, Spanish, and African influences. You’ll find festivals, music, and street art everywhere, especially in cities like Cusco or Arequipa. The cuisine is world-renowned—don’t leave without trying ceviche, lomo saltado, or a pisco sour.
Regarding things to do, Peru offers a lifetime of adventure. Hike the Inca Trail, explore the Nazca Lines, visit the floating islands of Lake Titicaca, or take a sandboard ride in Huacachina. The transportation system includes affordable long-distance buses, domestic flights, and cheap ride-hailing services like Uber in major cities.
Flights from Lima to Miami or Los Angeles take about 6 to 8 hours, making it convenient to return to the U.S. when needed.
Safety and Language
According to the U.S. State Department, Peru is currently listed as Level 2: Exercise Increased Caution, mainly due to occasional civil unrest or petty crime in crowded areas. However, most expats find daily life in Peru safe, especially in expat-friendly neighborhoods like Barranco or Miraflores.
The primary language is Spanish, but don’t let that stop you. Many expats begin with free online apps like Duolingo or take affordable group lessons at local language schools. It’s a great way to learn, socialize, and immerse yourself in the community.
Finding Your Tribe
The expat community in Peru is growing steadily, with Facebook groups like “Expats in Lima,” “Retire in Peru,” and “Peru Expat Network” offering everything from local tips to housing rentals and friendship. These groups are active, helpful, and a great way to connect before you even set foot in the country.
Whether you’re drawn by the low cost of living, the coastal lifestyle, or the rich cultural heritage, retiring in Peru can offer an exciting, affordable, and fulfilling new chapter. Why not take a 90-day trial run—and see if this vibrant land is your next forever home?
Healthcare in Peru for Expats: Affordable, Accessible, and Improving
One of the most attractive aspects of retiring in Peru—aside from the jaw-dropping landscapes and low cost of living—is the affordability and accessibility of healthcare. For expats, the Peruvian healthcare system offers a variety of choices, from public clinics to high-end private hospitals that provide excellent care at a fraction of U.S. prices.
Public vs. Private Healthcare
Peru has a two-tiered healthcare system: public and private. The public healthcare system (EsSalud) is available to citizens and legal residents, including retirees who obtain the Rentista Visa. While it is very affordable or even free, the public system can involve longer wait times, limited access to English-speaking doctors, and overcrowded facilities, especially in rural areas.
Most expats prefer to use the private healthcare system, which is still very affordable compared to the U.S. and Western Europe. In major cities like Lima, Arequipa, and Cusco, you’ll find modern private hospitals and clinics with well-trained doctors—many of whom have studied or practiced in the U.S. or Europe. A general consultation in a private clinic can cost between $25 and $50, while specialist visits might run about $50 to $100. Emergency care, surgeries, and dental work are significantly cheaper than what you’d pay back home.
Private Insurance for Expats
Many expats choose to purchase private health insurance to cover major procedures or international care. Plans through international providers like Cigna, Allianz, or IMG can cost anywhere from $75 to $300 per month, depending on your age, coverage level, and health history. Alternatively, you can purchase local insurance plans through Peruvian companies like Pacifico Salud or Rimac, which often include access to top-tier private hospitals and even home doctor visits.
Some retirees opt to pay out-of-pocket, especially for day-to-day care, due to how inexpensive services are. Even complex surgeries like hip replacements can cost 70–80% less than in the U.S., making Peru a growing destination for medical tourism.
Pharmacies and Medication
Prescription medication is readily available and much less expensive than in North America. Many medications that require a prescription in the U.S. can be bought over the counter in Peru. Pharmacies are everywhere—even in small towns—and pharmacists are generally very helpful.
Quality and Peace of Mind
In cities like Lima, you’ll find state-of-the-art facilities such as Clinica Ricardo Palma, Clinica Internacional, and Clinica Anglo Americana, which are comparable to U.S. standards and often used by diplomats and expats. These clinics offer everything from general care to advanced surgeries, dental care, mental health services, and even cosmetic procedures.
Final Thoughts
Healthcare in Peru is one of the many reasons expats feel secure about retiring here. Whether you choose public coverage or private insurance, you’ll have access to good quality care at prices that won’t break the bank. As long as you live near a major city, you’ll enjoy quick access to modern medical services, qualified professionals, and a stress-free experience—so you can spend more time soaking up sunsets on the Pacific and less time worrying about your next doctor’s visit.
