Where locals go
San Pancho (San Francisco), Nayarit
Where locals actually go
San Pancho has a real resident population, Mexican families and long-term expats, so the everyday spots are easy to find once you step off the obvious beachfront.
Everyday food
The cheap, honest eating is at the taco and street stands along and just off Avenida Tercer Mundo, especially in the evening when the al pastor and birria stands fire up. Locals eat where the plastic chairs are full and the line is Mexican, not where the menu is in three languages. There are a couple of small fondas and loncherías doing comida corrida, a fixed lunch of soup, a main and agua fresca, for a few dollars.
A day off
Residents spend downtime the same way you should: a beach walk, a swim if the water allows, and coffee. The town has genuinely good coffee roasters and cafes that double as the local hangout and gossip exchange. Entreamigos, the community center, is a real gathering point, not a tourist stop.
Drinks
Away from the sunset-strip prices, locals drink at the smaller bars and cerveza spots up the main street. A cold beer here costs a fraction of what the beach clubs charge.
What a friend who lives here would tell you: eat dinner at the street stands, get your coffee in town, and save the beachfront tables for one sunset drink rather than every meal.