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Cities
Cuenca is the famous answer. It is not the only climate.
People move for a walkable center, a doctor, and weather they can live in. Ecuador has several versions of that. Altitude is the filter most newcomers underestimate.
Cuenca is the city Americans mean when they say they might retire in Ecuador. The historic center is walkable, the climate is mild, and private clinics are established. A foreign community already exists, which helps the first year and can become a bubble if you let it. It sits near 2,500 meters. Most healthy people adjust. Some do not want to.
Quito is the capital: culture, direct flights, and the thinnest air of the major cities, near 2,850 meters. Neighborhoods matter. The historic center is beautiful and hilly. La Floresta and the area around Parque La Carolina are more everyday. Cumbayá, in the valley to the east, is warmer, newer, and a commute. Traffic is a genuine part of life here. So is the range of restaurants and hospitals.
Cotacachi, near Otavalo, is a small highland town with a quieter reputation and leather workshops. Services are thinner than in Cuenca. Vilcabamba, in Loja province, is the green valley with a long mythology about longevity. It is warmer, smaller, and a poor place to need a specialist in a hurry. Loja, the southern city below it, has more of a real urban life and less of a scene.
Salinas, Manta, and the beach towns suit people who want heat and the Pacific. Humidity, a different rainy season, and fewer walkable historic centers are the trade. Some residents split the year. That is a reasonable response to a country with this many climates.
Spend a month in the town, not a long weekend. Walk to a pharmacy. Try the clinic’s front desk. Read a lease. The cost, healthcare, and visa chapters are the rest of the decision. The visa chapter is an overview, not advice.
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