Top Retirement Communities in Los Cabos, Mexico for U.S. Buyers
Karla & Erick | Cabo Realty | Century 21 Paradise Properties
Where should U.S. retirees live in Los Cabos? Most retirees we work with from California, Texas and Arizona choose a gated golf community close to a private hospital. The five that fit best are Palmilla, Querencia, Club Campestre and Puerto Los Cabos on the San José del Cabo side, and Cabo del Sol near Cabo San Lucas. This guide compares them on what matters most in retirement: healthcare access, golf, beach and daily convenience.
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| Community | Area | Golf | Best For |
|---|---|---|---|
| Palmilla | Tourist Corridor, next to San José | 27 Jack Nicklaus holes (under renovation) | Retirees who want a swimmable beach and a hospital 5 minutes away |
| Querencia | San José del Cabo | Private Tom Fazio golf, second course opening Nov 2026 | Retirees who want a private club social life |
| Club Campestre | San José del Cabo | Public golf course | Retirees who want golf living at a lower entry price |
| Puerto Los Cabos | East of San José del Cabo | Golf on site | Retirees who love boating and the marina |
| Cabo del Sol | Corridor, near Cabo San Lucas | Desert Course (Weiskopf) and the private Cove Club (Nicklaus) | Retirees who want to be close to Cabo San Lucas |
Gated community on the Tourist Corridor next to San José del Cabo, with one of the few swimmable beaches in Los Cabos. Hospital H+ is about 5 minutes away. Its 27-hole Jack Nicklaus golf club is in a full renovation: the Mountain and Ocean nines are expected back at the end of 2027 and Arroyo at the end of 2028. See Palmilla homes, condos and lots for sale.
Private club community of more than 2,000 acres in San José del Cabo. Its Campo Bajo course was Tom Fazio's first outside the U.S. and is ranked among Golf Digest's World's 100 Greatest. A second course, Campo Alto, is set to open in November 2026, and members also have a private Beach Club. See Querencia homes, condos and lots.
Golf community in San José del Cabo with a public course, family homes, condos and lots, and quick access to town and its hospitals. It's often the most affordable way to live on a golf course in Los Cabos. See Club Campestre homes, condos and lots.
Master-planned community east of downtown San José del Cabo, with a marina, golf and large homes. A good fit for retirees who fish or keep a boat. See Puerto Los Cabos homes, condos and lots.
About 1,800 acres on the Corridor near Cabo San Lucas. It has the Desert Course by Tom Weiskopf, the private 500-acre Cove Club around Jack Nicklaus's former Ocean Course, and Ánima Village for shopping and dining. See Cabo del Sol homes and condos for sale.
| Hospital | Location | Closest Communities |
|---|---|---|
| Hospital H+ Los Cabos (24/7) | Tourist Corridor, Km 24.5 | Palmilla, Querencia |
| Hospiten San José del Cabo | San José del Cabo | Club Campestre, Puerto Los Cabos, Querencia |
| CHRISTUS MUGUERZA (under construction) | Tourist Corridor, expected 1H 2028 | Corridor communities |
Important: Medicare is not accepted in Mexico. Most U.S. retirees carry international health insurance, and private hospitals often ask for upfront payment or a card hold. More details in Hospitals Near Palmilla.
Planning your budget? See The Cost of Living in Los Cabos vs Major U.S. Cities. Comparing every area? Read Best Neighborhoods to Live in Los Cabos.
It depends on your priorities. Palmilla is closest to a 24-hour hospital and has a swimmable beach, Querencia offers private club life, and Club Campestre is the most affordable golf option.
No. Medicare isn't accepted in Mexico. Most retirees carry international health insurance.
Yes. Near the coast, foreigners buy through a bank trust (fideicomiso), which gives full ownership rights.
It's under renovation. Mountain and Ocean are expected to reopen at the end of 2027 and Arroyo at the end of 2028.
We help retirees from California, Texas and Arizona find the community that fits their healthcare needs, budget and lifestyle.
Sources: Palmilla Golf Club renovation announcements; Querencia official website; Cabo del Sol master plan; Hospital H+ Los Cabos; Hospiten; Mexico Business News on CHRISTUS MUGUERZA Los Cabos (May 2025). Information verified October 2026.
Disclaimer: Golf schedules, amenities and hospital services may change. Confirm before making decisions. Karla & Erick are MLS members with Century 21 Paradise Properties.
Karla & Erick | Cabo Realty | Century 21 Paradise Properties
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