Living In Peru As An Expat: The Ultimate Guide For Success

Are you considering a move to Peru as an expat? This energetic South American country offers culture, heritage, and stunning natural beauty at a much lower cost of living than most Western countries. From the frantic city streets of Lima to the ancient ruins of Machu Picchu, Peru has a lot to offer expats searching for new experiences.

However, relocating to a new country can be challenging, especially if you're not a Spanish speaker and are unfamiliar with the local customs and bureaucracy. Our guide is designed to provide you with all the essential information you need to decide whether Peru is right for you and, if it is, what you need to do to make it happen.

Whether you're moving for work, retirement, or adventure, our guide will cover everything from visa requirements and housing options to healthcare and education. With practical advice and insider tips, you'll be well-equipped to navigate the ups and downs of expat life in Peru.

Key takeaways

Peru offers several visa options for expats, including the Rentista Visa (retirement visa), Investment Visa, and Work Visa. Residency requirements involve obtaining a Temporary Resident Visa and a Foreign Resident Card.
The cost of living in Peru is relatively affordable compared to many other countries, with lower expenses for housing, food, transportation, and healthcare.
Lima, Cusco, and Arequipa are among Peru's best cities for expats. Each offers unique lifestyles, job opportunities, and cultural experiences.
Understanding Peruvian culture, including the language, social norms, and religious practices, is crucial for expats to immerse themselves fully in local life.
Peru can provide expats with a rewarding and enjoyable lifestyle, with diverse social activities, outdoor recreation, and travel opportunities within the country and neighboring nations.

Visas and immigration

Peru offers multiple visa options for expats looking to live in the country. Here's what you need to know about the visa process and residency requirements.

Visa Options for Expats

Rentista Visa (Person of Independent Means - Retirement Visa):

Requires a permanent monthly income of at least $1,000 (plus $500 for each dependent)
Valid indefinitely, but may be lost if absent for more than 6 months in a calendar year
Exempts holders from paying the annual foreign tax and Peruvian income tax on pension income
Allows duty-free import of personal and domestic items

Investment Visa:

Requires an investment of at least $150,000
Suitable for expats establishing, developing, or administering an investment in Peru

Work Visa:

For expats engaging in employment and work activities in the public or private sectors
Requires a valid work contract or administrative relationship

Residency requirements

To obtain residency in Peru, you'll need to follow these steps:

1. Apply for a Temporary Resident Visa:

Submit your application at a Peruvian consulate in your home country or the National Superintendency of Migration in Peru
Provide required documents, such as a valid passport, criminal background check, and proof of financial means

2. Obtain a Foreign Resident Card (Carné de Extranjería):

After entering Peru, you have 30 days to apply for this card
The card is valid for 1 year and can be renewed annually

3. Maintain your residency status:

Comply with the requirements of your specific visa category
Renew your Foreign Resident Card annually
Notify the authorities of any changes in your personal information or address

It's important to note that the visa and residency requirements may vary depending on your specific situation and the type of visa you're applying for. Consult with the Peruvian consulate or an immigration lawyer for personalized guidance.

Cost of living

Living in Peru is relatively affordable compared to many other countries, making it an attractive destination for expats. You'll find that the cost of living varies depending on your lifestyle and location within the country.

Housing costs

Housing expenses in Peru range from budget-friendly to luxurious, depending on the city and neighborhood you choose. In Lima, you can expect to pay around S/. 2,000-3,500 ($530-$930 USD) per month for a furnished 85m2 apartment in an average area. Opting for a more exclusive location could increase the rent to S/. 3,500-5,000 ($930-$1,330 USD) and beyond for high-spec luxury.

Food and dining

Food costs in Peru are generally lower than in North America or Europe. You can enjoy a meal at an inexpensive restaurant for about S/. 10-20 ($2.70-$5.30 USD), while a three-course meal for two at a mid-range restaurant typically costs around S/. 100 ($27 USD). Groceries are also more affordable, with a month's worth of essential food items for a single person averaging S/. 200-300 ($53-$80 USD) brand-name products, especially imports, will be much more costly.

Transportation

Public transportation in Peru is inexpensive and widely available. A one-way ticket on local transport costs about S/. 2.50 ($0.67 USD), while a monthly pass averages S/. 80 ($21 USD). Taxis are also affordable, with a 5km ride costing around S/. 15-20 ($4-$5.30 USD). If you prefer to drive, gasoline and car prices are much more expensive than in the United States.

Healthcare

Healthcare in Peru is generally less expensive than in the United States, although costs can vary depending on the facility and treatment required. Many expats opt for private health insurance, which can range from S/. 200-1,000 ($53-$265 USD) per month, depending on age, coverage, and other factors.

Public healthcare is available but may have longer wait times and lower-quality facilities than private options.

If you need to be covered in more than one country, international insurance is an excellent option. To make sure you get the best value for money, compare international health insurance options from various providers to find the best deal.

Education

If you have children, education costs will be a significant consideration. Private international schools in Peru can be expensive, with annual tuition fees ranging from S/. 20,000-80,000 ($5,300-$21,200 USD) per child. Public schools are free for residents, but the quality of education may not meet your accustomed standards. Homeschooling and online learning are other options you should consider.

Best cities for expats

If you're considering moving to Peru as an expat, you'll find several cities that offer a high quality of life and a welcoming environment for foreigners. Here are some of the top cities to consider:

Lima

Lima, Peru's capital and largest city, is a popular choice for expats. It's a modern, cosmopolitan city with a rich history and diverse culture. You'll find a wide range of housing options, from luxury apartments to more affordable neighborhoods. Lima also boasts a thriving food scene, with world-renowned restaurants and tasty street food.

Lima offers expats reasonable job opportunities as Peru's economic hub, particularly in industries like finance, technology, and education. The city is also home to a large expat community, making it easy to connect with others and find support as you settle into your new life.

Cusco

Cusco, the former capital of the Inca Empire, is a stunning city nestled high in the Andes Mountains. Thanks to its rich history, beautiful architecture, and proximity to iconic sites like Machu Picchu, it's a popular destination for tourists and expats alike.

Expats in Cusco often work in tourism or education or run their own businesses catering to the expat community. The city has a lower cost of living than Lima, making it an attractive option for expats on a budget. You'll also find a tight-knit expat community in Cusco, with plenty of opportunities to socialize and explore the surrounding area.

Arequipa

Arequipa, known as the "White City" for its stunning colonial architecture, is another popular destination for expats in Peru. It's the second-largest city in the country and has a more laid-back atmosphere than Lima.

Expats in Arequipa enjoy a high quality of life, with a lower cost of living than the capital and plenty of cultural attractions to explore. The city is known for its cuisine, particularly its spicy dishes and unique desserts. Arequipa is also an excellent base for exploring the surrounding region, with easy access to hiking trails, hot springs, and stunning natural landscapes.

Peruvian culture

Peru's lively culture is a fascinating mix of indigenous traditions and Spanish colonial influences. To fully engage in Peruvian life as an expat, learning to speak some Spanish and having an appreciation for social norms and religious practices is essential.

Language

While Spanish is widely spoken in Peru, it's important to note that Quechua and Aymara are also recognized as official languages in certain regions. In fact, 26% of the population speaks a first language other than Spanish, primarily Quechua and Aymara. As an expat, learning Spanish is essential for daily life, especially if you plan to live outside of major urban centers where English proficiency will be lower.

Peruvian social norms and etiquette revolve around respect, formality, and family values. When greeting others, it's customary to shake hands or give a light kiss on the cheek, depending on the level of familiarity. In social settings, it's polite to use titles such as "Señor" (Mr.), "Señora" (Mrs.), or "Señorita" (Miss) followed by the person's surname.

Family plays a central role in Peruvian culture, and it's common for extended family members to gather regularly for meals and celebrations. Peruvians also place importance on punctuality for business appointments but not so much for social engagements.

Religion and spirituality

Religion and spirituality are deeply ingrained in Peruvian culture, with Catholicism being the predominant faith. Many Peruvian traditions and festivals are rooted in religious celebrations, such as Semana Santa (Holy Week) and Corpus Christi.

In addition to Catholicism, Peru is home to a variety of indigenous spiritual practices and beliefs. The Inca culture, for example, revered nature and believed in the power of sacred sites like Machu Picchu. As an expat, it's important to approach these beliefs and practices with respect and openness.

Lifestyle and leisure

Living in Peru as an expat offers a rich and enjoyable lifestyle with plenty of leisure opportunities. From social activities to outdoor recreation and travel, there's something for everyone to explore and experience.

Peru provides plenty of possibilities for expats to socialize and meet new people. Organizations like InterNations host regular events in major cities, allowing you to connect with fellow expats and locals who share your interests. Examples include happy hours, language exchanges, and cultural outings to museums or theaters.

Joining local clubs related to your hobbies, such as sports teams, art classes, or music groups, is another excellent way to build your social network. Peruvian people are well-regarded for their warmth and hospitality, so don't be shy about striking up conversations and making new friends.

Outdoor recreation

Peru's diverse geography offers ample opportunities for outdoor enthusiasts. In Lima, you can surf world-class waves at beaches like Punta Hermosa or Chicama. The Andes Mountains provide excellent hiking and trekking, with popular routes including the Inca Trail to Machu Picchu and the Ausangate Trek.

For a more relaxed pace, take a boat tour of Lake Titicaca to visit the floating Uros Islands or go sandboarding in the desert oasis of Huacachina. Peru's natural wonders cater to all levels of adventure.

Travel opportunities

Living in Peru makes exploring the country's top attractions easy and affordable. Domestic flights from Lima to Cusco, Arequipa, and Iquitos are short and inexpensive. Bus travel is also convenient, with comfortable overnight buses connecting major cities.

Some must-see places include the Sacred Valley of the Incas, the Amazon rainforest, and the Nazca Lines. You can also take advantage of Peru's central location to visit neighboring countries like Ecuador, Colombia, and Bolivia. With so much to discover, you won't run out of travel ideas as an expat in Peru.

Working as an expat

If you're planning to work in Peru as an expat, it's vital to understand the job market and visa requirements. Here's what you need to know:

Job market

Peru offers diverse job opportunities for expats, especially in industries such as mining, teaching English, translating/interpreting, and exporting Peruvian goods. Remember that average salaries are much lower than in Western countries, around $450-500 monthly. However, expats bringing specialist skills to the country can expect higher incomes; this is often negotiated on a case-by-case basis, so providing averages is problematic.

Some specific job examples for expats in Peru include:

Mining engineers and geologists in the thriving mining sector
English teachers at language schools or international schools
Translators and interpreters for businesses and organizations
Exporters of Peruvian products like textiles, handicrafts, and agricultural goods

Visas

To legally work in Peru, you must enter the country with a valid business visa for 90 days. It's important to note that tourist visas cannot be converted to work visas while you're in Peru. If you arrive on a tourist visa and secure employment, you'll need to exit the country, visit a Peruvian consulate abroad, and obtain the appropriate work visa before returning.

The process of obtaining a work visa typically involves:

Securing a job offer from a Peruvian employer
Submitting required documents like a passport, police record, and health certificate
Paying the visa fee and waiting for processing, which can take several weeks

Starting a business

Starting a company in Peru can be an appealing option for expats interested in entrepreneurship. However, the process of company registration can be complex and may require professional assistance from lawyers specializing in immigration and taxes.

Key considerations when starting a business in Peru include:

Choosing the appropriate business structure (e.g., sole proprietorship, limited liability company)
Registering with the Peruvian tax authority (SUNAT) and obtaining a tax ID number
Obtaining necessary licenses and permits from local municipalities
Complying with labor laws and regulations when hiring employees

Digital nomad lifestyle

Peru's diverse landscapes, rich culture, and affordable cost of living make it an attractive destination for digital nomads. Cities like Lima, Cusco, and Arequipa offer coworking spaces, cafes with Wi-Fi, and lively expat communities.

Secure reliable internet access through local SIM cards or coworking spaces.
Join online expat communities and attend networking events to connect with other nomads.
Exploring destinations like Machu Picchu and the Amazon rainforest during breaks from work is a great way to take advantage of Peru's natural beauty.
Learn basic Spanish to navigate daily life and engage with locals more easily.

Practical considerations

Living in Peru as an expat requires careful planning and consideration of practical aspects. When relocating to Peru, here's what you need to know about banking, safety, and insurance.

Banking and finances

Peru's banking system is well-developed, with several reputable banks offering services to expats. Major banks include:

Banco de Crédito del Perú (BCP)
BBVA Continental
Interbank
Scotiabank

You'll need proof of residence and income to open a bank account. Accounts can be opened in local currency (Peruvian Sol) or foreign currencies like US dollars. Credit cards are widely accepted in cities but less so in rural areas, where cash is still king.

Safety and security

Peru is generally safe for expats, but it's important to exercise caution and be aware of your surroundings. Some safety tips include:

Avoid carrying large amounts of cash or wearing flashy watches and jewelry
Be cautious when using ATMs, especially at night
Use reputable taxi services or ride-sharing apps
Stay alert in crowded areas like markets and public transportation

In case of emergencies, dial 105 for the police, 116 for the fire department, or 117 for an ambulance.

Insurance

Having comprehensive insurance coverage is crucial when living abroad. Consider the following types of insurance:

Health insurance

Private health insurance is recommended for expats
Check if your employer provides insurance or assists with the purchase of an international health plan
Ensure your policy covers emergency medical evacuation

Travel insurance

Get coverage for trip cancellations, lost luggage, and travel delays
Look for plans that include medical coverage while traveling outside Peru

Property insurance

Insure your home and valuable possessions against theft, damage, or loss
Renters insurance is a helpful option if you're renting a property

Research and compare insurance providers to find the best coverage for your needs and budget. Don't forget to read the fine print and understand any exclusions or limitations.

Pros and cons of expat life in Peru

Pros

Low cost of living: Peru's affordable cost of living allows expats to enjoy a comfortable lifestyle on a modest budget. Rent, groceries, transportation, and entertainment costs are significantly lower compared to many Western countries. In cities like Lima and Arequipa, you can find modern apartments for $500-$1,000 per month. Eating out at local restaurants is inexpensive, with basic meals costing around $5.
Rich cultural experiences: Living in Peru immerses you in a historic culture with deep roots in ancient civilizations like the Inca. You'll have the opportunity to explore iconic sites, participate in colorful festivals such as Inti Raymi, and savor various regional cuisines.
Diverse landscapes: Peru boasts a stunning variety of natural landscapes, from the Amazon rainforest to the Andes mountains and Pacific coastline. Expats can explore pristine beaches, hike ancient Inca trails, visit colonial cities, and experience the biodiversity of the Amazon.
Friendly local community: Peruvians are known for their warm and welcoming nature towards newcomers. Expats often find it easy to make friends and integrate into local communities.

Cons

Language barrier: While many Peruvians in larger cities speak some English, Spanish is the default language. Expats may face challenges in daily communication, especially in smaller towns and rural areas. Learning Spanish is crucial for navigating bureaucracy, accessing services, and fully engaging with the local population.
Bureaucracy and inefficiency: Dealing with Peruvian bureaucracy can be frustrating and time-consuming. Processes like obtaining visas, registering a business, or navigating the healthcare system often involve extensive paperwork and delays. Expats need patience and persistence when dealing with government offices and service providers. Seeking assistance from local experts or expat forums can help you navigate these challenges.
Infrastructure challenges: While Peru has made significant infrastructure improvements, some areas still face issues with transportation, internet connectivity, and public services. Traffic congestion in cities like Lima can be severe, and public transportation may be crowded and unreliable. Internet speeds vary, and power outages can occur in some regions. Expats should research each location and have realistic expectations about infrastructure.
Safety concerns: Peru has made strides in improving public safety, but petty crime and theft can still be concerns in some areas, particularly in larger cities. You should take precautions like avoiding carrying large amounts of cash, being vigilant in crowded places, and securing their homes.

Despite these challenges, many expats find that the rewards of living in Peru outweigh the drawbacks. By engaging with your local community, learning the language, and being patient and adaptable can create a fulfilling and enriching life in this fascinating country.

Conclusion

Living in Peru as an expat can be an incredible adventure filled with cultural experiences, enchanting landscapes, and a welcoming local community. While there are challenges, such as the language barrier and bureaucratic hurdles, many expats find that the benefits outweigh the drawbacks.

Whether you're a digital nomad, retiree, or simply seeking a change of pace, Peru offers a unique and rewarding experience for those willing to take the leap.

Other popular expat destinations in Latin America:

You might find useful:

Retiring to Peru as an expat

Living In Peru As An Expat: The Ultimate Guide For Success

Key takeaways