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Руководство для экспатов: Жизнь в Коста-Рике 2026

Costa Rica — Pura Vida — is a long-standing favourite of North 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.

Последнее обновление: март 2026 — Редакционная команда, eVisa-Card.com

Обзор Коста-Рики

CapitalSan José
CurrencyCosta Rican Colón (CRC) / USD
LanguageSpanish
Monthly cost~$1,500–2,800 в месяц

📋 Table of Contents

  1. Visa & Residency
  2. Healthcare
  3. Health Insurance
  4. Bank Account
  5. Buying Property
  6. Налоги и фискальная эмиграция

🛂 Варианты виз и проживания

Тип визыПодробности
Pensionado (Retiree Visa)Requires a guaranteed lifetime pension of $1,000 в месяц from a government or private source. Permanent residency. Must spend 183 days в год 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 в месяц OR one-time bank deposit of $60,000. 2-year permit, renewable. Must reside 183 days в год.
Inversionista (Investor Visa)Investment of $150,000+ in Costa Rican property, business or government bonds. Permanent residency. No minimum stay requirement.
Digital Nomad VisaFor remote workers. Income $3,000 в месяц (individual) or $4,000 в месяц (family). 1-year permit, renewable once. No local work allowed.
Temporary Resident (Work)Sponsored by a Costa Rican employer. For skilled professionals. 2-year permit.

Step-by-Step Process

  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
💡 Совет: The Pensionado visa requires $1,000 в месяц — even a modest US Social Security benefit often qualifies. The mandatory CAJA enrolment (~$50–150 в месяц) gives access to Costa Rica's excellent public health system.

🏥 Здравоохранение in Costa Rica

Государственная медицина

Costa Rica's CAJA (Caja Стоимостьarricense 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 в месяц based on income). Covers doctor visits, hospitalisation, surgery, maternity and prescription medicines.

Частная медицина

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 Стоимости

УслугаСтоимость
CAJA monthly contribution (resident)~$50–150 в месяц (income-based)
CAJA consultation (covered)Free or nominal co-pay
Private Прием терапевта$60–100
Private specialist$80–200
Private hospitalisation (за ночь)$400–1,200
Чистка зубов (private)$60–100
ℹ️ Рекомендуется: 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.

Лучшие страховщики для экспатов

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

🏦 Opening a Bank Account in Costa Rica

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.

Рекомендуемые банки

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 Rica — Largest 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 Rica — Canadian bank, familiar to North American expats. International wire capabilities.
Prival Bank — Good for higher-net-worth expats and investors. English-speaking staff.

Необходимые документы

  • 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

Step-by-Step Process

  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
💡 Совет: 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.

🏠 Buying Property in Costa Rica

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.

Процесс покупки

  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 Notary Public
  7. Register at the National Registry (Registro Nacional)
  8. Pay transfer taxes and notary fees at closing

Typical Стоимости

ItemСтоимость
Property transfer tax1.5% of registered value
Notary 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)
💡 Совет: 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.

О данном руководстве

This guide is researched and maintained by the editorial team at eVisa-Card.com. Последнее обновление: март 2026. Always verify current requirements with official government sources and consult a licensed professional before making major decisions.

Связанные руководства

Все руководства
Retirement Visa Guide
Cheapest Countries to Retire

💰 Налоги и фискальная эмиграция

Налог на прирост капитала
0%
Налоговый режим
Territorial
Отношение к крипто
7/10
Налог при выезде
Нет

Налог на прирост капитала: 0% on foreign-source income (territorial)

Ключевые налоговые аспекты

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

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Налоговая информация предоставлена исключительно в ознакомительных целях. Проконсультируйтесь с квалифицированным налоговым советником перед принятием решений о переезде.

📚 Официальные источники и ссылки

Редакционная команда — eVisa-Card.com

Руководства для экспатов, написанные экспертами по путешествиям, специалистами по иммиграции и экспатами с личным опытом в Costa Rica.

✔ Проверенная информация ✔ Обновлено: март 2026 ✔ Официальные источники