During the last couple of weeks my husband Thom and I visited San Miguel de Allende, MX. This location captured our interest several years ago, especially after learning that this small beautiful city boasts a nearly perfect year-round temperature, warmly welcomes American visitors, and offers flights at very low costs. As with most trips, we prefer to stay in apartments or homes in order to more fully experience any location. This year we tried something completely new—a home exchange. In other words, we offered our home here in southern California in exchange to stay in another owner’s home in San Miguel de Allende. Two weeks later, we are back to share what we learned from it and why we believe home exchanging is a SMART way to travel.
Of course I realize I am hardly an expert with only one exchange in my repertoire. But what was it that led me to giving it a try? I think I first read about home exchanging over five years ago and immediately suspected that it would be an excellent way to save money while traveling and visit interesting locations. Thom wasn’t as convinced. Two things helped to change his mind.
#1 We rented our home out over two different weekends on Airbnb. (You can read about that experiment from my blog post: SMART Lessons From Renting Our Home On Airbnb )
#2 Two good friends of ours did their first home exchange last year and everything went perfectly.
Here’s Why Home Exchanging Is SMART
- It’s a great way to experience low-cost travel. Accommodations are typically the largest
expense when traveling. For those of us who prefer to stay in homes or apartments, it makes sense that if you can stay in a person’s home without cost, you can save a tremendous amount of money. Plus, when staying in a home you can save additional money by fixing many of your own meals.
- It’s a perfect way to experience a location. If you enjoy the feeling of being in a new town or city, living in a home in a local neighborhood for a time offers you the chance to really experience what it is like to live in that place. This type of travel elevates the trip beyond being just a tourist who is in a location just to check it off their bucket list.
- It can slow down and enrich your travel experience. As a person who loves to travel and go new places, I often find myself rushing from attraction to attraction without even realizing it. One big reason for that is if you are staying in a small hotel room with nothing but a bed, bathroom and tv, chances are you are eager to get outside and stay moving. With a home exchange, you tend to have more space with many of the comforts of home. Want fresh brewed coffee in the morning? There’s a Mr. Coffee. Want to wash some clothes? There’s a washer. Like to sit and read outside? There is usually a balcony or patio. At my age, I’ve learned the many advantages of slow-travel and abhor the idea of the ten-cities-in-two-weeks method of many vacations.
- Your host exchanger can offer honest and important advice. While I personally love to research locations when I travel, a good exchange host can offer firsthand experience with the best local restaurants, where to buy good wine at a good price, what local attractions are a must see, and more.
- Unlike renting your home through Airbnb, you can make requests of your home-stayer. Need your houseplants watered? Make that part of the exchange. Want them to take care of your pet? Want to borrow their car? You can always ask. Can you bring friends along with you to stay? The answer is yes, as long as the host says yes. When you take the money equation out of the experience, any number of requests can be made and negotiated. Home exchanging, just like with any exchange, requires a win-win agreement for both parties involved.
A Few Downsides to Home Exchanging
As with any experience, there are always things to consider. Here are a few things I believe need to be addressed in order to make the most of any home exchange.
- It’s not completely free. The vast majority of people doing home exchanging these days need
San Miguel de Allende is a haven for artists and writers. Every location is loaded with original art.
to join one of the dozens of online companies that offers lists of other people wanting to exchange. Those fees are range from free to $200 per year for each site. On top of that, there are always going to be normal operating costs to pay to maintain your home even while you are gone. For example, while we were in San Miguel the weather here in La Quinta was hotter than usual and Donna, the woman staying in our house, needed the air-conditioner during her stay. While we trust that she did not take advantage of the situation, we haven’t gotten our electric bill yet either. Plus, there is always the chance that something is broken or missing and that cost must be considered as well.
- Someone has to want to visit your area and/or is attracted to your home for some reason before you’ll even get an offer. Fortunately, we live in a vacation area so that drives some requests to our house. Donna requested that we exchange our home for her home in San Miguel because she wanted to attend the BNP Parabis Tennis Tournament that happens annually here in our community. Because we had wanted to visit San Miguel for several years, it seemed like a perfect fit. Once you decide whether locations work for you, then you can begin working through the other details.
- Needing a simultaneous exchange makes the process more challenging. In other words, if you need to find someone who not only wants to visit your location, but also one where you both need to visit at the same time (or at least have another place to stay). Fortunately, the weather in San Miguel de Allende was lovely and temperate in March—so allowing Donna to visit while we were in her city was ideal. As you might imagine, anyone who owning a 2nd home would have a much easier time securing an acceptable exchange because it would free up the need to be simultaneous—or finding weather acceptable to both parties.
- Flexibility is always good when traveling—whether you home exchange or not. Regular travel reminds me that staying flexible, open minded and prepared for the
unexpected help to make any trip more enjoyable. While we had seen a dozen or so photos of the property in San Miguel prior to our visit, and we read that our exchange home had three stories and a rooftop deck, the reality of that could have been extremely difficult for anyone with mobility issues. Not only was the master bedroom on the third floor, but accessing it was only available by a very narrow circular metal staircase that was completely outdoors—and yes it rained several times during our visit. Meanwhile, the rooftop
patio with unparalleled views was an even longer climb up the narrow, metal circular staircase. Fortunately, we are both in good physical health but my legs were sore the entire 12 days we were there from walking the quaint cobblestone streets of San Miguel and navigating the climb to our hillside location—not to
Many of the streets in San Miguel are uphill and cobblestones. This is the alley entrance we had to climb every trip to and from the city center.
mention the alleyway we had to climb and then the stairs once we arrived at the house. Unfortunately, from what I can tell, there is no way to “review” a location prior to arriving so it is up to each person to clarify the details of the property before arrival—or to stay flexible no matter what.
- The more open your schedule and the more adventurous your travel dreams the better it will work for you. Anyone who is retired with an open schedule has the best chance for an exchange. We have received nearly a dozen requests to exchange from such places as Vancouver, BC, Barcelona, Spain, Vau, Portugal, and a couple of places in Colorado. But because Thom and I both still work, we haven’t been motivated to accept the invites at the times requested. Each exchange company allows you to post what locations you are most interested in visiting as well as the desired timing, but again, you must find a “match” to make it work. Obviously, the more open your schedule and your willingness to try new locations, the better results you will have.
Final Considerations
Is it safe? Just about every time we travel we get asked the same question. There appears to be an overly cautious focus on travel these days, and while we admit that sometimes bad things do happen around the world—they can happen in our own backyard as unexpectedly as they do in other locations. Although we never had the slightest hint of danger in Mexico, our exchange host seem to go overboard with her safety issues—she had two to three locks on every door on every floor of her four level home. We saw no evidence that such security was necessary, but did our best to accommodate her lock-up requests. Again, flexibility is always good.

Another question about safety is having a stranger stay in your home while you are gone. After renting our home on Airbnb we got over the idea that others are really that interested in our personal items anyway. However, just to give ourselves some piece of mind I did lock up my computer, my current journal, a couple of choice pieces of jewelry and our private business papers. Of course, trusting that you are being careful and respectful of their home, as much as they will likely respect yours, is a beneficial way to think of it.
When we returned after two weeks our house looked as good as when we left it. Nothing whatsoever was out of place or damaged. I know that we left Donna’s house in exactly the same condition. Will we do another exchange? Absolutely—especially when our schedule is more open. In the meantime, home exchange offers everyone a SMART way to travel economically, intentionally and experience the world all at the same time.
What about you? Have you ever done a home exchange? Any thoughts you’d like to share?
Hi Kathy! Would you be open to me quoting from this blog post in a case study for an ebook I’m writing on unconventional budget accommodations? I was looking for an example of house swapping and remembered that you had written about it here. I’d also be happy to interview you about it via video chat but figure quoting what you’ve already written would be less work on your part. It would be about 5 paragraphs. Unfortunately I wouldn’t be able to compensate financially but would be more than happy to link back to you and provide you a free copy of the finished product – or some other arrangement that would make it worthwhile to you… Please let me know.
Hi Michelle. Sure. Thank you for asking but you are more than welcome to use the material as long as you reference me as the author with a link to the blog. I’m glad you find it helpful to your work. And I’d love to see a copy of the finished product. ~Kathy
HI Kathy
Thank you for the post! I’ve been too scared to consider this, but your article has given me something to ponder. It really is a matter of trust. I guess on the upside at least you know where the others live haha.
Hi Jane! I agree it can be intimidating to begin with–especially when you think about turning your home and “stuff” over to a stranger. But actually, by the time the exchange came around, Donna and I weren’t really “strangers”. We had sent at least a dozen emails back and forth with questions and comments about the houses and travel plans and while I doubt we’ll become fast friends, I knew she was the type of person who would take care of my home as much as she knew we would take care of hers. And yes! we both know where each other lives for sure! ~Kathy
I love the idea of staying in an actual home when visiting a different country – no better way to get a feel for the lifestyle. I have to admit, I would be so nervous about renting out my own house, but as you pointed out, there are only a few things that need to be secured. Thanks for the info.
Happy Travels!
Hi Laura! Staying in someone’s home is such a nice way to travel for exactly what you mention–it’s more of an insider’s view of a location than you EVER get from a hotel. I get that sometimes you just want to relax and be pampered–but you can do that on a cruise right? Real exploration requires more. And with a home exchange you are offering another person that same experience. Plus, I think we think people are more interested in our stuff than they really are….when it comes down to it, most people don’t think about us (and our stuff!) 1/2 as much as we think they do! Give it a try! Thanks so much for your comment. ~Kathy
I enjoyed your writeup. You’re braver than I am. Also, if I did this, I’d have one closet fitted with a lock (like the coat closet in our entryway) so I could put all my valuables in it.
Hi Lynne! It does make you think about what is REALLY important to you–which fits with the whole “rightsizing” way of living that I strive to incorporate all the time. And as might be expected, the first time is the most challenging. But yes, I did have a cupboard with my most personal items locked and my desk locks so I could keep our papers private. And as far as I could tell, not a thing was out of place when we returned. ~Kathy
We have had wonderful home exchange experiences. Visited Panama, California, Australia, Puerto Vallarta Mexico. We only exchange with couples – no kids, and so far they have all been senior couples and singles.
Hi Meryl! Wow! You are far more of an expert about home exchanging that I am. Do you have a blog post about it on your site? I think I have fixed my comment luv plugin so that you could put a link…or just link it in a comment. Your experience would be helpful for us all. ~Kathy
I rent so it wouldn’t work for me but I can imagine it would be an economical and interesting way to travel. I’ve been interested in checking out San Miguel de Allende. Great pics and post
Hi Rebecca! Actually, I have heard of some people who rent that exchange their home/apartment just like if you owned the place. It really depends on the arrangement that you have with your landlord and/or if your lease specifically disallows it. Of course, there are tons of Airbnb rentals in San Miguel so you won’t have to exchange. I’m sure you would appreciate the city–there is a lot to like. ~Kathy
I really love the idea of doing a home exchange – what a perfect way to save money and enhance your travel experience! San Miguel de Allende is definitely on my “to visit” list so I really appreciated your pictures. I’d love to read more about your time there.
(Btw, it doesn’t look like your CommentLuv function has been working for a while.)
Hi Janis! Yes, I think you’d like the city. And because you live in San Diego you can get there very easily at a low cost. We actually fly out of the Tijuana Airport and used the CBX Bridge for the first time. It is SO-O-O convenient. You park in Chula Vista, walk across the bridge and there you are in the Tijuana Airport. Then when you fly within Mexico the rates are very economical. I think we paid $200 each round trip for our flights. It would have been nearly double that to fly from the U.S. Let me know if you have any specific questions about it. ~Kathy
P.S. Thanks for letting me know about Comment Luv…I never changed my settings so not sure what happened. Maybe a WP update??? Anyway, I think I have it corrected but not sure???
We’ve taken the CBX bridge a few times and will again soon. You are right about the convenience and cheaper flights out of Tijuana. I’ll email you about an upcoming trip we are taking that I think you might have some good insight about. ?
Hi Janis! Yes…do let me know. I think you have my email right? Just shoot me a note. ~Kathy
P.S. Hey…can you tell me if Comment Luv is fixed????
You are brave! I am not. My husband doesn’t even like to have guests stay at our home and since we run our business out of our home it is not conducive to a house swap. It is a great cost saver, I can see that.Glad it was a good experience for you.
Hi Haralee! Yes it does require a bit of detachment. We also both work out of the house but are fortunate that as long as we have a phone and our computers we can manage it just about anywhere in the world. Of course, I do have a desk that I can lock so all our business papers were private. But except for one cupboard with a lock, that was it. Does help A LOT to have rightsized! The lady we exchanged with had one pantry/closet locked in her house that we couldn’t access, but that was it there. I think once you do it, (like we did with the Airbnb rental) it gets easier. It sure was for me. ~Kathy
Welcome hone, Cathy. Your idea of house swamping is brilliant and you chose truly a beautiful spot in San Miguel.
Hi Nora! Thank you….I am happy to admit it all went well. I encourage everyone to try it at least once. ~Kathy