A practical guide to where and how to live well in retirement
Spain continues to be a top retirement destination for Americans thanks to its Mediterranean climate, excellent healthcare system, relaxed lifestyle, and affordable cost of living. From sunny beach towns to vibrant cities and historic villages, Spain offers something for every kind of retiree.
If you’re considering removals to Spain from the USA, here are the top destinations to retire to in Spain — with a detailed look at what life is like for Americans in each.
1. Valencia – Affordable, Coastal, and Culturally Rich
Why Retire Here?
Valencia is one of the top-rated cities in Europe for quality of life. It’s Spain’s third-largest city but offers a slower pace than Madrid or Barcelona. The Mediterranean coastline, mild winters, and low cost of living make it ideal for retirees.
Highlights for U.S. Retirees:
- Cost of living is 30–40% cheaper than most U.S. cities.
- Excellent public transportation and walkability.
- Plenty of green spaces like the Turia Gardens.
- Thriving expat community with meetups, English-language events, and international groups.
- Excellent private and public healthcare options.
- Safe, clean, and very livable.
Drawbacks:
- Summers can get hot and humid.
- Basic Spanish helps for day-to-day life, though many locals speak some English.
2. Málaga – Warm, Welcoming, and Perfect for Sun Lovers
Why Retire Here?
Located on the Costa del Sol, Málaga offers warm weather year-round, a laid-back lifestyle, and great access to beaches. It’s popular with both British and American retirees.
Highlights:
- Over 300 days of sunshine per year.
- A well-developed healthcare system with English-speaking doctors.
- Affordable property and rentals compared to U.S. coastal cities.
- Great airport access for visiting family or traveling.
- Large and active English-speaking expat population.
- Excellent seafood and tapas scene.
Drawbacks:
- Busy tourist seasons during summer.
- May feel less “Spanish” in some expat-heavy areas, especially inland from the coast.
3. Alicante – Beautiful Beaches, Budget-Friendly, Expat Hub
Why Retire Here?
Alicante is a favorite for retirees looking for affordable coastal living. It blends modern amenities with historic charm and boasts a lower cost of living than Valencia or Málaga.
Highlights:
- One of the cheapest coastal cities in Spain.
- Very English-friendly due to a large international community.
- Walkable city center, lively local markets, and accessible beaches.
- Proximity to health clinics and hospitals.
- Easy access to golf courses, marinas, and nature.
Drawbacks:
- Hot summers and mild winters.
- Some parts are quite touristy in peak months.
4. Granada – Historic Charm and Mountain Views
Why Retire Here?
Set at the foot of the Sierra Nevada mountains, Granada offers a low cost of living, stunning architecture, and a deeply traditional Andalusian lifestyle.
Highlights:
- Incredibly low cost of living – among the cheapest cities in Spain.
- Access to mountains and ski resorts in winter.
- Historic sites like the Alhambra and Moorish neighborhoods.
- Smaller-town feel with walkable streets and strong community vibe.
- Public transportation and health services are well-developed.
Drawbacks:
- Colder winters than coastal cities.
- Smaller expat population, so integration into local culture is important.
- Less English spoken, so basic Spanish is more necessary.
5. Seville – Rich Culture, Vibrant Lifestyle, Warm Weather
Why Retire Here?
If you’re a fan of history, architecture, and vibrant city life, Seville is a stunning place to retire. It’s considered the cultural heart of southern Spain.
Highlights:
- Amazing food, music (flamenco), and festivals.
- Beautiful historic districts and plazas.
- Affordable compared to major U.S. cities.
- Slower pace of life with a strong sense of tradition.
- Well-connected by train and bus.
Drawbacks:
- Can get extremely hot in summer (often over 100°F).
- Not as many expats as coastal cities.
- Requires more integration into local life.
6. Bilbao – Green, Cultural, and Less Crowded
Why Retire Here?
Bilbao, located in the Basque Country, is ideal for retirees who want a cooler climate, rich cultural offerings, and fewer tourists.
Highlights:
- Lush landscapes and a temperate climate.
- Less expensive than Barcelona or Madrid.
- Excellent public services, clean, and very safe.
- Famous for gastronomy – especially pintxos and seafood.
- Top-tier healthcare system with plenty of services.
Drawbacks:
- Rainier climate than southern Spain.
- Fewer English speakers.
- Basque language signage might be confusing initially (though Spanish is still the main language).
7. Tenerife (Canary Islands) – Tropical Retirement Without Leaving Spain
Why Retire Here?
Tenerife offers a Caribbean-like climate within the EU. It’s increasingly popular among American retirees looking for a low-cost island lifestyle with European infrastructure.
Highlights:
- Year-round pleasant weather (mid-70s°F average).
- Affordable property and living costs.
- Quiet, relaxed pace – great for retirees seeking peace.
- Strong expat community.
- Beaches, hiking, and volcanoes.
Drawbacks:
- Island living can feel isolated.
- Access to mainland Spain or the U.S. requires air travel.
- Fewer cultural amenities than larger cities.
🇺🇸 What Life is Like for a U.S. Citizen Retiring in Spain
🛂 Residency & Visas
- The Non-Lucrative Visa (NLV) is the most common visa for retirees.
- Once granted, it gives you the right to live in Spain for 1 year, renewable.
- After 5 years, you can apply for permanent residency.
💬 Language
- In cities like Valencia, Málaga, and Alicante, you can get by with English.
- In smaller towns or more traditional areas, basic Spanish is very useful.
- Many expats join local Spanish classes.
🧾 Cost of Living (Monthly for a Couple)
| Expense | Approximate Cost (USD) |
|---|---|
| Rent (1-2 bedroom) | $800 – $1,200 |
| Utilities & Internet | $150 – $200 |
| Groceries | $300 – $400 |
| Healthcare (Private) | $150 – $400 |
| Dining & Entertainment | $200 – $400 |
| Total Monthly Cost | $1,600 – $2,600 |
🏥 Healthcare
- Spain has universal healthcare, but you need private insurance during your visa period.
- Excellent medical services are available in both public and private sectors.
- Once you become a permanent resident, you can access public healthcare.
🌐 Community & Social Life
- Large American and English-speaking communities in coastal and urban areas.
- Plenty of meetups, language exchanges, and social clubs.
- Locals are warm and social — family and friends are central to life.
- Sundays and holidays are sacred – great for slowing down and enjoying life.
🚗 Transportation
- Public transport is efficient in cities.
- You may not need a car unless living in rural areas.
- U.S. driver’s license is valid for 6 months; after that, you’ll need to get a Spanish driver’s license.
✅ Conclusion
Spain offers a comfortable, affordable, and culturally rich lifestyle for retirees. Whether you’re drawn to the sunny beaches of the Costa del Sol, the green hills of the Basque Country, or the historic cities of Andalusia, there’s a perfect place for every kind of American retiree.
If you’re planning removals to Spain from the USA, start with a visa consultation, explore healthcare options, and research your ideal city based on your lifestyle preferences. Once there, many retirees find that Spain offers a slower, healthier, and more connected way of life than they had back home.