海外移住ガイド:2026年のコスタリカ生活

Costa Rica — Pura Vida — is a long-standing favourite of いいえrth American and European expats. Stable democracy, no standing army, excellent healthcare, lush biodiversity and a well-developed expat infrastructure make it one of the easiest countries in Latin America to settle in.

最終更新:2026年3月 — 編集チーム, eVisa-Card.com

コスタリカ概要

首都San José
通貨Costa Rican Colón (CRC) / USD
言語Spanish
月額費用~$1,500–2,800/month

🛂 ビザ・在留資格オプション

ビザの種類詳細
Pensionado (Retiree Visa)Requires a guaranteed lifetime pension of $1,000/month from a government or private source. Permanent residency. Must spend 183 days/year in Costa Rica to maintain status. Popular with US and Canadian retirees.
Rentista (Passive Income Visa)For those with passive income (not pension): $2,500/month OR one-time bank deposit of $60,000. 2-year permit, renewable. Must reside 183 days/year.
Inversionista (Investor Visa)Investment of $150,000+ in Costa Rican property, business or government bonds. Permanent residency. いいえ minimum stay requirement.
Digital いいえmad VisaFor remote workers. Income $3,000/month (individual) or $4,000/month (family). 1-year permit, renewable once. いいえ local work allowed.
Temporary Resident (Work)Sponsored by a Costa Rican employer. For skilled professionals. 2-year permit.

ステップバイステップ手順

  1. Hire a Costa Rican immigration lawyer (budget $1,500–3,000)
  2. Gather documents: passport, pension/income proof, police clearance, birth certificate, marriage certificate if applicable
  3. Apostille and notarise all foreign documents; translate to Spanish
  4. Submit to DGME (Dirección General de Migración y Extranjería)
  5. Receive initial conditional residency within 3–12 months
  6. Enrol in the CAJA (public health system) — mandatory for all residents
  7. Obtain your DIMEX card (Documento de Identidad Migratoria para Extranjeros)
  8. After 3 years of temporary residency, apply for permanent residency
💡 プロのヒント: The Pensionado visa requires $1,000/month — even a modest US Social Security benefit often qualifies. The mandatory CAJA enrolment (~$50–150/month) gives access to Costa Rica's excellent public health system.

🏥 コスタリカの医療

公的医療

Costa Rica's CAJA (Caja 費用arricense de Seguro Social) is widely regarded as one of the best public healthcare systems in Latin America. All legal residents must enrol and pay monthly contributions (~$50–150/month based on income). Covers doctor visits, hospitalisation, surgery, maternity and prescription medicines.

民間医療

Private clinics and hospitals operate alongside the public system. CIMA Hospital (San José), Clínica Bíblica, Clínica Católica and Hospital Clínica Bíblica offer English-speaking doctors and US-comparable standards at 40–60% lower costs.

Typical 費用s

サービス費用
CAJA monthly contribution (resident)~$50–150/month (income-based)
CAJA consultation (covered)Free or nominal co-pay
Private 一般診療$60–100
Private specialist$80–200
Private hospitalisation (1泊)$400–1,200
歯のクリーニング (private)$60–100
ℹ️ 推奨: Enrol in CAJA immediately — it's mandatory and provides comprehensive coverage for a modest monthly fee. Add a private supplementary plan for faster access to specialists and English-speaking doctors.

🛡️ Supplementary Health Insurance

While the CAJA public system is comprehensive, wait times for non-emergency specialist care and some procedures can be long. Supplementary private insurance provides immediate access to private hospitals and is also useful for the period before CAJA enrolment is active.

外国人向け保険会社

INS (Instituto Nacional de Seguros)
State insurer. 必須 for car insurance; also offers health plans. From ~$80/month.
Aseguradora del Istmo (ADISA)
Private supplementary plans. Strong hospital network. From ~$100/month.
Cigna Global
International plan for new arrivals and frequent travellers. From ~$120/month.
AXA Global Healthcare
Comprehensive worldwide coverage. Good for those splitting time between CR and home country. From ~$130/month.
BUPA International
Premium plan with repatriation coverage. Good for US citizens. From ~$150/month.
💡 プロのヒント: Combine mandatory CAJA (~$100/month) with a private supplementary plan ($100–150/month) for the best of both worlds — comprehensive public coverage plus fast-track private access for specialist care.

🏦 コスタリカでの銀行口座開設

A Costa Rican bank account is needed to pay rent, utilities and CAJA contributions, and to receive local salary or pension transfers. The process has become more regulated but remains manageable.

おすすめ銀行

Banco de Costa Rica (BCR)State bank. Most expat-friendly, good English service in Escazú/San José. Accepts tourist visas for basic accounts.
Banco Nacional de Costa RicaLargest state bank. Lowest fees. Extensive branch network throughout the country.
BAC San José (BAC Credomatic)Best digital banking. Popular with younger expats and digital nomads. Requires DIMEX card.
Scotiabank Costa RicaCanadian bank, familiar to いいえrth American expats. International wire capabilities.
Prival BankGood for higher-net-worth expats and investors. English-speaking staff.

必要書類

  • Valid passport
  • DIMEX card (for residents) — OR tourist entry for basic account at state banks
  • Proof of address (rental contract or utility bill)
  • Proof of income (pension letter, employment contract, bank statements)
  • Costa Rican phone number

ステップバイステップ手順

  1. Visit bank branch in person
  2. For state banks: some accept tourist status for a basic account
  3. Present all documents and complete KYC form
  4. Account typically opened within 1–5 business days
  5. Receive debit card and online banking access
💡 プロのヒント: Banco de Costa Rica in Escazú and Los Yoses (San José) have dedicated expat advisors with strong English skills. State banks (BCR, Banco Nacional) are the most accessible for new arrivals without a DIMEX card.

🏠 コスタリカでの不動産購入

Costa Rica has no restrictions on foreign property ownership — foreigners have the same rights as citizens. The property market is well-established, with a large inventory of expat-friendly properties particularly in the Central Valley, Guanacaste, Manuel Antonio and the Southern Zone.

Options for Foreigners

Titled (Freehold) Property
Full ownership registered at the National Registry. Standard for most urban and suburban properties. Most secure form of ownership.
Concession Land (Maritime Zone)
Land within 200m of the ocean. The first 50m from the high tide line is public and inalienable. The next 150m requires a concession from the municipality. Foreigners can hold concessions but must have 5 years legal residency or go through a Costa Rican company.
Rights of Way / Possession Rights
Untitled land. Very risky for foreigners — avoid unless you have expert legal advice.

購入手順

  1. Hire a Costa Rican real estate lawyer (not optional)
  2. Obtain an RNPN (National Property Registry) title search
  3. Check for liens, easements, back taxes, survey maps
  4. Sign a Purchase Option contract (Opción de Compra) — pay $5,000–20,000 deposit
  5. Complete due diligence: survey, environmental restrictions, zoning
  6. Sign Escritura de Compraventa (Purchase Deed) before a いいえtary Public
  7. Register at the National Registry (Registro Nacional)
  8. Pay transfer taxes and notary fees at closing

Typical 費用s

Item費用
Property transfer tax1.5% of registered value
いいえtary fees1.25–1.5% of sale price
National Registry recording fee~0.5%
Lawyer fees1–2% of purchase price
Annual property tax (Impuesto sobre Bienes Inmuebles)0.25% of appraised value
Annual municipality luxury tax (if applicable)0.25–0.55% on values over ¢133M (~$245,000)
💡 プロのヒント: Always verify the title at the National Registry (Registro Nacional) yourself or via your lawyer before signing anything. Maritime zone properties near the beach require special legal expertise — do not purchase without understanding the concession terms.

このガイドについて

This guide is researched and maintained by the editorial team at eVisa-Card.com. 最終更新: 2026年3月。 Always verify current requirements with official government sources and consult a licensed professional before making major decisions.

💰 税制・財政亡命

キャピタルゲイン税
0%
税制
Territorial
暗号資産フレンドリー度
7/10
出国税
いいえ

キャピタルゲイン税: 0% on foreign-source income (territorial)

税制の重要ポイント

  • Territorial tax: no tax on income earned outside Costa Rica
  • Crypto gains from foreign platforms are tax-free
  • いいえ exit tax
  • Stable democracy with strong rule of law

税金節約シミュレーション

無料の財政亡命シミュレーターでコスタリカでの節税額を比較しましょう。 インタラクティブシミュレーターで27カ国以上の税率を比較

🚀 税金節約シミュレーション →

提供: Taxes-Crypto.eu

税務情報は一般的な参考情報として提供されています。移住の決定前に資格のある税務アドバイザーにご相談ください。


📚 公式情報源・参考資料

編集チーム — eVisa-Card.com

コスタリカでの実体験を持つ旅行専門家、入国管理専門家、駐在員によって執筆された移住ガイドです。

✔ 検証済み情報 ✔ 2026年3月更新 ✔ 公式情報源引用