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Top 57 Places to Live & Invest in the Tropics

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The beaches of Ecuador are some of the best kept secrets in the Latin Tropics. These oceanside destinations are rapidly gaining the attention of expats looking for a life filled with sun, sand, and water as well as foreign investors who are recognizing the potential for strong returns on investment in these communities.

Sprinkled along Ecuador’s Emerald Coast, each of these locations has a unique character that ranges from vibrant party and surfing towns to more sedate, higher end resort communities. The five locations listed below can truly be said to be the gems of Esmeralda.

What Makes Ecuador Beaches Special?

What makes the top beaches of Ecuador special is the fact that they aren’t as well known as other beach communities in the Latin Tropics. In a real sense, expats have the opportunity to explore and discover new and exciting locations that they may not have been previously aware of.

What follows, in no particular order, is a list of the best of these seaside destinations.

Beaches Of Ecuador

Rinaldo Wurglitsch

Salinas/La Libertad/Ballenita

Perhaps the best known beach town in Ecuador, Salinas offers the high-rise modern lifestyle that many expats enjoy. The combination of modern amenities, combined with a wide variety of outdoor activities, and great weather, have made Salinas the “go-to” spot for foreigners and expats alike.

Whale watching, surfing, parasailing, and even skydiving as well as a vibrant nightlife are just some of the many activities that Salinas offers. For those seeking more tranquil alternatives, the nearby thermal baths and spas are a powerful draw.

For those looking for something a little less crowded, nearby Libertad is a commercial hub that is working to build up its beachfront as well as the pier areas to make it more attractive. For those looking for single family homes, the quiet community of Ballenita has some outstanding bargains for ownership and/or investment.

Beaches Of Ecuador

Jorge Luis Perez

Olón/Montañita

Montañita has long had the reputation for being the most lively beach town in Ecuador. Native Ecuadorians travel here to enjoy the surf and the party atmosphere – particularly during high season (January to April).

The nearby community of Olón has a growing expat population and is far more serene than its more boisterous neighbor. With stunning beach vistas all its own,  living in Olón offers the best of both worlds–a quiet home close to a bustling and energetic entertainment center.

Beaches Of Ecuador

Canoa/Bahía de Caráquez

Two of the most up and coming beach towns in Ecuador are Canoa and Bahia de Caráquez. Canoa is a small village favored by surfers and backpackers but rapidly expanding into a more dynamic tourist and expat destination.

Bahia, just a short distance away, has grown into a mecca for expats looking for high-rise living. Being located on a peninsula between the Rio Chrone and the Pacific Ocean, Bahia has also become a favorite port-of-call for world-class yachtsmen (and women) from around the globe.

This dynamic combination promises to increase property values and development. The modern infrastructure makes it especially attractive to retirees and investors desiring tropical charm with the promise of a good return on initial outlay of investment funds.

Beaches Of Ecuador

Ronald Saunders

Crucita

Crucita has been favorably compared to Jaco, Costa Rica. Like Jaco, Crucita first gained attention as a destination for adrenaline junkies – in this case paragliding and hang gliding, while Jaco focused on surfing.

This has lead to a growing expat community and a continually improving and developing infrastructure. Crucita’s location, close to both Manta and Portoviejo, makes it an ideal spot to access the benefits of major urban centers while still be removed from the more frantic pace of those cities.

While Crucita continues to grow, it still retains much of its small, fishing village vibe. This quality is what is luring many retirees and expats who want a quieter pace but still within easy distance of larger expat communities.

Beaches Of Ecuador

Mompiche

At the opposite end of the scale from high-energy locations like Montañita and Salinas, is the quiet fishing village of Mompiche. It is the most rustic place on the list and is a perfect destination for those looking to disconnect from the 24/7/365 world and just enjoy the tranquility of living by the ocean.

Owning a Part of the Top Hidden Beaches of Ecuador

The allure of these Ecuadorian destinations has increased the interest level of those seeking a tropical destination close to the ocean. The real estate market, while still feeling effects of the 2008 recession, has a number of real jewels that can be had for a surprising affordable price.

A prime example of what you can find in these ocean side communities is this new 2 bedroom, 2 bath house overlooking the ocean for $85,000. Located in Ballenita, it could be the perfect seaside retreat or investment property in a growing area.

Some Beach, Somewhere

As can be seen from the above list, the top beaches of Ecuador provide a range of opportunities from rustic to high-end modern. Exploring them for yourself is the best way to find the sun and sand location that is right for you.

Crucita, Ecuador has the reputation as one of the top spots in the world for paragliding and hang gliding. The pristine beaches and largely undeveloped area are rapidly become a magnet for expats and investors seeking that unique blend of adventure and potential.

Crucita Ecuador

Corinne

Crucita, Ecuador – From Fishing Village to Adrenaline Central

The area known today as Crucita, Ecuador is an attractive beachfront town in Manabi Province of Ecuador. Located 40 km (25 miles) from the port city of Manta and 28 km (17 miles) from the province capital of Portoviejo, Crucita has become the most visited beach destination in Ecuador.

Crucita, Ecuador’s Beginnings

The Pacific coast in and around Crucita, Ecuador has been occupied since pre-Columbian times by the ancient Manta people. In 1895, the Bishop of Manabi, Peter Schumacher, erected a cross at the local church as part of the celebration of the month of the Virgin Mary (May) and the Holy Cross. From that point on, the location has been known as “Crucita” (little cross).

On May 25, 1978, Crucita Portoviejo was designated as an urban parish. Although small (current population is around 12,000), Crucita will continue to expand as sports enthusiasts, expats, and investors are drawn by the opportunities in real estate that await there.

Crucita – Adrenaline Central

Paragliding and hang gliding enthusiasts have discovered that Crucita, Ecuador has near-perfect conditions for these extreme sports. The miles of open beaches, constant Pacific breezes, and hostels and lodges catering to “gliders” have given Crucita worldwide exposure as the place where you can truly “spread your wings”.

Crucita Ecuador

Ministry of Ecuadorian Government

Crucita, Ecuador and Jaco, Costa Rica – A Tale of Two Cities

Comparing Crucita, Ecuador and another popular Central American beach location, Jaco, Costa Rica, can provide a glimpse of the future potential that awaits there. The similarities between the two communities are striking and the pathway for growth in Crucita follows a similar arc to its more developed neighbor.

Prior to the late 1970s, Jaco was little more than a fishing village. With improvements to local infrastructure (water system 1976, highway access 1978, improved electrical system 1981), Jaco began to see a real surge in development.

At the same time as Jaco was growing, surfing enthusiasts discovered the white water and challenging waves that are a regular feature in and around the Jaco area. Before long, the region became known worldwide as a surfing mecca with weekly contests, festivals, and year-round celebrations of “the endless summer.”

Improvements in Infrastructure, Enhancement in Potential

Where Jaco became a surfing magnet, Crucita, Ecuador has become a world famous destination for the high-energy and altitude sports of paragliding and hang gliding. While both rely on wind and weather, hang gliding is the older of the two styles, (hang gliding 1960s, paragliding started in Europe in the mid-80s) uses a heavier “wing,” and can be more of a challenge to transport on air carriers.

Crucita, Ecuador is also seeing infrastructure improvement that makes living in this Pacific location much easier. The latest project is a four-lane highway from the province capital, Portoviejo, which will reduce travel time and improve access; the highway between the international port of Manta and Crucita has also been rebuilt.

The increasing interest in the area is also leading to upgrades in electricity, municipal services, and better internet and cable television. A long-term tourism project, known locally as Balsamaragua, is also expected to enhance the desirability of Crucita as a destination and investment location.

What Does It Cost to Live in Crucita, Ecuador?

One question that potential expats or investors need answered is what is the cost of living in Crucita, Ecuador? Like much of the rest of the country, the prices for such items as food, utilities, and rent is more affordable than in many Central American locations.

Averages for rent in Ecuador can run from $250 per month outside major centers to $1000 per month in larger cities such as Guayaquil and Quito. As a smaller town, Crucita’s rents are definitely in the lower end of this spectrum.

Utilities such as electricity, water, and garbage are also reasonable and can run as little as $40.89 average per month. With Crucita being on the coast, air conditioning may make for higher electricity costs.

Crucita Ecuador

Vacation ROL

Investment Possibilities in Crucita, Ecuador

Crucita, Ecuador is becoming a focal point for both expats considering a retirement option and investors seeking to maximize their returns as the number of tourists continue to grow. With a large amount of underdeveloped and undeveloped land still available, Crucita’s real estate market is poised to see true growth potential.

Importantly, Ecuador adopted the U.S. dollar as its currency in 2000. As a result, many of the issues (conversion values, fees, etc.) that are encountered elsewhere in Central America are not a concern here. Crucita, Ecuador promises to be a location where the dollar certainly can retain its full value.

The Challenges of Becoming an Expat in Crucita, Ecuador

For all the upsides that Crucita offers, the rustic beach town lifestyle may not suit everyone’s idea of a Central American retreat.  Since Crucita is a developing community, many amenities that are in found in larger cities and towns are lacking. If having a more modernized environment is important, Crucita may not be the best fit.

Though the number of expats is growing, the expat community as a whole is still small. As a result, being able to speak and understand Spanish is very important and may present a challenge to moving to this Pacific paragliding paradise.

Ironically, one of the major draws of Crucita may also be a major drawback for those looking for a quiet oceanfront home. The various festivals and competitions that bring in paraglider and hang glider participants can make for a more lively atmosphere than some expats may be looking forward to.

Crucita, Ecuador – Take the Leap of Faith

There is a wealth of opportunity that can be found on the beaches of Crucita, Ecuador. There is no substitute for making a journey to Crucita to get a true sense of whether this growing area is a place to build a Pacific future. Much like those who launch into the Crucita skies to paraglide, taking that leap of faith is the first step to finding out what the future may hold.

Map of Crucita, Ecuador

Crucita, Ecuador Fast Facts

  • Population: 10,000
  • Typical temperature: Average temperature of 75 – 80 degrees Fahrenheit
  • Major airports with U.S. flights: Mariscal Sucre Airport (Quito, Ecuador)
  • Nearest U.S. consulate: Quito

Expats choosing to retire to Ecuador are taking the “road less traveled’ and enjoying it. Though not as well-known as other popular Latin America destinations, Ecuador has an untapped potential that could make it the most popular retirement destination in the region.

There are more options for retirees in Ecuador today than ever before. Improvements in the country’s infrastructure have opened more areas for expats looking for a less cluttered existence.

retire to ecuador

Johnny Gustavo

Retire to Ecuador, Save Money, Live the Life You Want

Ecuador’s cost of living is certainly one of the most affordable in Latin America. It is important to remember, however, that some online claims about living there for practically nothing are overblown. Like anyplace else, how much you spend will depend on the choices you make concerning location, amenities, and luxuries.

The fact that the U.S. dollar is the currency of Ecuador is an important plus. Knowing the cost of things and not having to deal with currency exchange rates certainly makes budgeting for your retirement much easier – especially for those on fixed incomes.

Being able to buy or rent your retirement retreat at reasonable prices is one of the biggest draws of Ecuador. Even in the larger cities like Quito or Guayaquil, a spacious three-bedroom apartment can rent for under $1,500 per month. Rental and sale prices in smaller towns make finding a home much less stressful.

The lower health care costs that are offered in Ecuador certainly make living a healthy lifestyle much easier. Modern state-of-the art facilities provide high quality care at a fraction of the expense for the same procedures in the U.S. Dental care and dental tourism is another area where retiree dollars can go farther and enhance the quality of living for years to come.

An important and intangible benefit to retiring in Ecuador is the more relaxed pace of daily living. Being able to appreciate the natural beauty of the country, without the hectic approach to living found in the U.S., can make those retirement years truly “golden.”

retire to ecuador

Crucita MLS

Investment Potential Continues to Grow

A decision to retire to Ecuador may also provide the potential for a strong return on investments. There are a number of areas that are primed for new projects as expats continue to arrive seeking new housing and commercial options. In addition to already built properties, there is a growing number of undeveloped lots that are available in a variety of locations; both urban and rural.

The beach towns of Canoa and Ancon have a great deal of undeveloped and underdeveloped property that can be purchased quite reasonably. Crucita has become a world-class destination for paragliders and hang gliders. This increase in the tourist trade makes investing in rental properties a viable and potentially profitable action to consider. Along with San Clemente, this area is well on the way to becoming the next Pacific “Gold Coast.”

The beach is not the only part of Ecuador that is an attractive investment option. Cuenca, a World Heritage city in the foothills of the Andes and the Yunguilla Valley are becoming increasingly popular as expat destinations and potential retirement meccas that combine a moderate climate, rich cultural history, and affordable prices.

retire to ecuador

International Realestate

The Beauty of Ecuador – So Many Diverse Locations

One of the most unique features of Ecuador is the wide diversity of regions that can be your retirement destination.

For those whose idea of a tropical paradise is a cosmopolitan city with attractions and entertainments, Quito and Guayaquil are both modern and filled with the kind of amenities one might find in any major city in the U.S. These cities also are the locations of the two international airports in Ecuador; Mariscal Antonio José de Sucre in Quito and Simon Bolivar in Guayaquil.

Cuenca captures the flavor of the Andean Highlands and retains the essence of its rich colonial heritage. The coastal villages of Canoa, Ancon, San Clemente are rustic, laid-back beach communities just perfect for those looking for a more authentic Ecuadorian experience.

For those truly seeking to ‘”get away from it all,” Ecuador also has a number of island communities that could be your retirement paradise. Santa Cruz, Isla Isabella, Pena and San Cristobal are just some of the places expats are beginning to pay attention to.

The continued growth in the number of expats and retirees coming to Ecuador will increase the options available. Some of the small jungle towns, such as Banos, are in the earliest stages of moving from tourist attraction to a destination for expat arrivals to settle and develop.

Even beyond the possibilities of places to live, there are stunning natural wonders suddenly much closer if you are living in Ecuador. The Galapagos Archipelago, the Andes, and the Amazon Basin become more accessible and easier to explore; adding another dimension to the desirability of this Latin American gem.

retire to ecuador

Lobitadelsur

So Many Positives to Choose Ecuador and Things to Consider

For retirees, expats looking for a tropical escape, and investors exploring new options, Ecuador has many features to commend it. Constantly improving infrastructure, growing communities of North Americans and Europeans, and affordable properties are all important reasons to retire to Ecuador.

However, even in a tropical paradise, there are a number of factors that you should examine as part of your decision-making process. First and foremost is that English, while growing in usage, is not the dominant day-to-day language – particularly in the smaller rural villages and towns. An honest appraisal of your comfort level of living someplace where communications may be challenging at times is truly an important step to a happy relocation.

A second consideration is the fact that the more rustic communities also have fewer of the modern amenities of major cities such as Quito, Guayaquil, and Cuenca.  If having ready access to high speed internet, cable television, etc. is a necessity, this could limit the potential Ecuadorian locations that might be right for you.

Patience is an important facet of expat life throughout Latin America and Ecuador is no exception. Travel, particularly where the only option is driving, can take significantly longer; repairs and improvements to infrastructure items such as roads, electricity, and even water, may involve much more time than one might find in the U.S. or Europe.

In the end, the best way to truly know if Ecuador is right for you (and if you are a good fit for Ecuador) is to talk to others who have made the decision. Do your research and, most importantly, visit this unique land of potential and promise and see if it resonates within you and makes you want to retire to Ecuador.