Spain
Non-Lucrative Visa · Europe
From
Income Required
Overview
Spain offers retirees the best of European living — world-class food, rich history, excellent healthcare, and a relaxed Mediterranean lifestyle. Spain rewards retirees with incredible cultural depth, diverse geography from beaches to mountains, and some of the best food in the world.
Example Cost of Living Breakdown
| Category | Monthly (USD) |
|---|---|
| Rent | $1,040 |
| Groceries | $520 |
| Transportation | $90 |
| Dining & Entertainment | $310 |
| Utilities & Other | $390 |
| Total Monthly Budget | $2,350 |
*Estimated monthly costs for a couple as of September 2026. Excludes healthcare. Your costs will vary by city and lifestyle.
Visa Requirements & Eligibility
Income Threshold
€2,400/month for one person (about $2,800), plus €600/month per dependent (as of 2026)
Renewal
1 year, then two 2 year renewals
Requirements
- Proof of sufficient funds (IPREM x 400%)
- Public or private health insurance comparable to Spain's public system
- Clean criminal record
- Medical certificate
- Proof of accommodation
Step-by-Step Application Process
Secure Health Insurance
Obtain public or private health insurance from an insurer authorized in Spain, with coverage comparable to Spain's public system. Travel insurance does not qualify.
Prove Financial Means
Show bank statements proving at least €28,800/year for one person, plus €7,200/year for each dependent, in passive income or savings.
Gather & Apostille Documents
Criminal background check, medical certificate, all apostilled with Hague apostille.
Apply at Spanish Consulate
Submit your visa application at the Spanish consulate with jurisdiction over your US state.
Register as Foreign Resident
Within 30 days of arrival, apply for your TIE (Tarjeta de Identidad de Extranjero).
Pros and Cons
Advantages
World-class healthcare system
Incredible food and wine culture
Diverse geography and climates
Rich history and cultural experiences
Path to EU residency and citizenship
Considerations
Higher income requirements
Cannot work on non-lucrative visa
Bureaucracy can be very slow