The Pros and Cons of Expat Life in Nicaragua
Thanks for checking out this article! If you're curious about the pros and cons of living in Nicaragua as an expat, you're in the right place. I’ll be focusing mainly on the Southern Pacific areas of Tola, Popoyo, and San Juan del Sur since that’s where most foreigners—including myself—end up settling.
The truth is, people either fall in love with life here or realize it’s not for them pretty quickly. Those who love it stay long-term or keep coming back. Those who don’t? Well, they move on. Let’s dive into why that is.
The Benefits of Living in Nicaragua
Nicaragua might be the largest country in Central America, but when it comes to cost of living, it’s extremely affordable. Your money goes much further here- especially if you own your property and shop locally. If you’re not dealing with rent or mortgage payments, you can live a fantastic lifestyle for a fraction of what you’d spend in Canada, the U.S., or other developed countries.
I’ll be posting an updated cost of living breakdown for 2025 soon, but here’s an idea: You can grab a restaurant meal for just a few dollars, enjoy fresh seafood for a fraction of what you’d pay elsewhere, and with the U.S. dollar widely accepted, there’s no need to stress about currency conversions. The local markets are overflowing with fresh produce at low prices. Whether you’re looking for luxury or just comfortable living, Nicaragua makes it possible without breaking the bank.
A Welcoming Community
One of the biggest draws of expat life in Nicaragua is the sense of community. Nicaraguans are genuinely warm and friendly, making it easy to feel at home. There's also a great mix of expats and locals, creating a diverse, welcoming atmosphere. Post-pandemic, locals have really recognized the economic boost that tourism and foreign investment bring, and they’re happy to see expats contributing to the economy.
Even if your Spanish is a work in progress, people are patient and willing to meet you halfway. Need directions? Someone will gladly help. Car trouble? A passerby might stop to lend a hand. It’s more than politeness—it’s a culture of kindness.
A Slower, Simpler Life
If the fast pace of North America has you craving something different, moving to Nicaragua may be the antidote. Life here moves at a slower, more intentional rhythm. Rushing? Not a thing. Whether it's sipping coffee while watching the waves roll in or swinging in a hammock for an afternoon siesta, Nicaragua encourages you to embrace a more relaxed way of living.
A Nature Lover’s Dream
From the stunning beaches of San Juan del Sur to the lush mountains of Matagalpa, Nicaragua is a paradise for outdoor enthusiasts. One day, you're hiking an active volcano; the next, you're catching perfect waves on your surfboard. Wildlife thrives here—howler monkeys, sea turtles, exotic birds—nature is part of everyday life. If you want to live somewhere that feels wild and untouched, this is it.
Endless Summer
If escaping winter forever is your dream, Nicaragua delivers. In San Juan del Sur temperatures hover around 27°C (80°F) year-round. The rainy season (May to November) brings occasional downpours, but they’re more refreshing than disruptive.
A Surfer’s Paradise
With miles of coastline and consistent swells, Nicaragua is a dream for surfers. Whether you're a seasoned pro chasing world-class breaks or a beginner eager to catch your first wave, there's a spot for you. And with warm water year-round, wetsuits are optional—just grab your board and go.
Safe—With Common Sense
Nicaragua is one of the safest countries in Central America. Crime rates are lower than in many major U.S. cities, and most expats feel comfortable walking around town. Of course, using common sense—like anywhere in the world—goes a long way.
Challenges to Consider…
Infrastructure Is Improving but Still Has Growing Pains
Nicaragua’s infrastructure is steadily improving, with the new Coastal Highway significantly enhancing accessibility and reducing travel times. However, side roads, especially in rural areas, can still be rough, making a sturdy vehicle—preferably with four-wheel drive—a valuable asset.
While utilities are generally reliable, power outages do occur, particularly during storms or maintenance work. Many expats invest in solar power setups or battery backups to keep essential appliances running. Portable power stations, battery-powered fans, and router backups—available on Amazon or in local stores—are useful additions to maintain comfort during blackouts. Some also opt for small generators or uninterruptible power supplies (UPS) for extra security.
Despite occasional inconveniences, proper preparation ensures that expat life in Nicaragua remains comfortable, allowing you to enjoy its natural beauty and growing infrastructure with peace of mind.
Language Barriers
In tourist hubs like San Juan del Sur and Popoyo, English is common. But in smaller towns, Spanish is essential. The upside? Immersion is the best way to learn, and picking up Spanish here is both useful and rewarding.
Things Take Longer Than You Expect
Life here is slower—and so is bureaucracy. Whether it’s getting paperwork processed, fixing a leaky pipe, or waiting on a shipment, patience is key. What might take a day in North America could take a week here. At first, it’s frustrating. But over time, you adjust—and even start appreciating the unhurried pace.
Poverty is a Reality
While wages can be low and resources limited in rural areas, tourism and foreign investment are creating jobs and boosting the local economy. Tourism and real estate developments create jobs, and many expats support the economy by hiring locals and patronizing small businesses. Shopping locally, investing in ethical businesses, and engaging in community projects all help foster long-term economic stability and lift communities out of poverty.
Education Gaps
Education remains a challenge, especially in rural areas, but tourism and expat involvement are making a difference. Private schools exist, but they can be costly for local families. Many businesses and individuals help by funding scholarships, donating to schools, or volunteering. The rise of hospitality and eco-tourism jobs also creates career paths for young people, providing them with valuable skills and stable employment. By supporting educational initiatives or businesses that invest in their communities, visitors and expats help build a brighter future for Nicaragua’s youth.
Is Nicaragua Right for You?
If you’re looking for breathtaking scenery, an affordable cost of living, a friendly community, and a laid-back lifestyle, Nicaragua could be your paradise. There are challenges, but for those willing to embrace them, the rewards are immense.
Whether you're retiring, investing, or simply seeking a fresh start, Nicaragua offers the chance to live life on your own terms in one of the most beautiful places on Earth.
Joel Stott-Jess
LifeInNica.com
Cell / WhatsApp: +505 8176 8624
US Number 1 786 753 8743
Skype: joelstottjess
Joel Stott-Jess is a New York Times featured agent / broker in San Juan Del Sur, Nicaragua.
Originally from Alberta, Canada he has been doing business in Nicaragua since 2014.
An investment consultant, serial entrepreneur, surfer, and outdoor enthusiast he is an expert on the real estate and business markets in Nicaragua.
