Settling Down South of the Border

The bells of the majestic pink granite 17th century cathedral peal through the streets. People sit in outdoor cafes lining the cobblestone streets of the main square contemplating a scene worthy of a romance film set in Italy.

But this isn't Europe; it's the colonial city of San Miguel de Allende, Mexico, just hours from the Texas border. And many of those people sipping coffee in the cafes are Americans who now call San Miguel home.

American expatriates have been settling in San Miguel for half a century. Drawn here by the colonial charm, the dry mountain that never gets too cold or too hot, the proximity to the U.S. and by the low cost of living.

Tasty Food and Staffed Homes

"You'd be amazed at what you could get for 80 pesos [US $6]," said Tim Johnson, a former New Yorker who has been living here with his partner for almost four years. "You get your oranges for half of the week and all kinds of fresh vegetables."

"Cost of living" is a constant refrain. As millions of baby boomers face retirement in an economy that has ravaged their savings, places like San Miguel have an extra appeal.

"Anything that involves service is much, much cheaper here," said Johnson's partner Tom King, also from New York. "If you bang up your car and you get body work, [it's] maybe a third or a fourth of what it would cost in the United States, or less."

Robin Arena from Fort Worth, Texas, said she was drawn in by the food. "My favorite thing is it's so inexpensive," she said. "I remember the first time I went to the market to buy cilantro, [it cost] 20 cents ... I kept thinking I need to add another zero. It is unbelievable."

To be sure, it's more than the cost of living that makes San Miguel so appealing, making the city a budget-friendly alternative to more traditional warm weather and retirement destinations, like Florida.

San Miguel overflows with restaurants, art galleries and cultural events, and the spectacular Spanish Colonial city center is a UNESCO World Heritage Site. That, combined with its affordability, helps explain why more than 10 percent of the city's 80,000 full-time residents are Americans and Canadians.

The Seduction of San Miguel

Writer Jeanne Ralston and photographer Robb Kendrick moved to San Miguel with their two boys. Life for them is exotic and very comfortable. And the savings are staggering.

In Florida, property taxes on a $500,000 home are $10,000 dollars a year ... and add another $10,000 or more for hurricane insurance.

"Once you buy a house here, property taxes on a nice house could be $200 to $400 a year," said Kendrick. "You don't need homeowner's insurance here because they don't believe in lawsuits like what happens in the states. We don't have homeowner's insurance because the houses are stone and stucco, and so they're not going to burn very easily, and so you don't have that cost."

The family has a housekeeper who cooks and cleans five days a week for $80. The gardener comes three days a week for $30.

Ralston and Kendrick moved to San Miguel from Texas because they wanted their young sons to be fluent in Spanish and to expose them to another culture. In the U.S., top private schools can reach up to $28,000 a year. In San Miguel, the bilingual private school the boys attend costs $2,000 a year, and Ralston and Kendrick are convinced their sons are getting a good education.

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