Retiring abroad has become increasingly attractive to Americans seeking sunshine, lower costs, and a better quality of life. Spain, with its Mediterranean climate, excellent healthcare, vibrant culture, and affordable lifestyle, is one of the top destinations for American retirees.
If you’re considering removals to Spain from the USA for retirement, here’s a step-by-step guide to help you make a smooth and successful transition.
✅ Step 1: Determine if Spain Is Right for You
Why Americans Retire in Spain:
- Warm climate year-round, especially in southern regions.
- Low cost of living compared to the U.S.
- World-class healthcare that’s affordable or even free once you’re a resident.
- Safe and stable society, ideal for retirees.
- Rich culture and lifestyle – art, architecture, food, festivals, and siestas.
- Proximity to the rest of Europe for easy travel during retirement.
Spain offers a relaxed lifestyle, particularly appealing for retirees wanting to slow down and enjoy life. But before making the leap, you need to understand the legal, financial, and cultural aspects of such a move.
🧾 Step 2: Get the Right Visa – The Non-Lucrative Visa
What is it?
The Non-Lucrative Visa (NLV) is the most common retirement visa for Americans. It allows you to live in Spain without working or conducting business there. You’re required to show proof of sufficient income to support yourself.
Key Requirements:
- Proof of income: At least €2,400/month for the main applicant, plus ~€600/month for each dependent (amounts vary slightly by region and consulate).
- No employment in Spain: You cannot work while on this visa.
- Clean criminal record.
- Private health insurance with coverage in Spain.
- Medical certificate verifying you’re free of infectious diseases.
Application Process:
- Apply at the Spanish consulate in the U.S. that has jurisdiction over your state.
- Submit documents including:
- Valid passport
- Proof of income/assets
- Health insurance policy
- Criminal background check
- Medical certificate
- Completed visa forms
- Processing time: Usually 1–3 months.
- Upon approval, you’ll get a one-year visa, renewable annually for up to five years, after which you can apply for permanent residency.
🏡 Step 3: Decide Where to Live in Spain
When planning removals to Spain from the USA, choosing the right location is crucial.
Popular Retirement Destinations:
- Valencia: Coastal living, affordable, great healthcare.
- Alicante: Sunny, English-speaking expat communities.
- Málaga/Costa del Sol: Ideal for warm weather lovers.
- Granada: Low cost, cultural richness.
- Barcelona or Madrid: More expensive, but cosmopolitan with top-tier services.
Key Factors to Consider:
- Proximity to healthcare facilities
- Climate preferences
- Size and vibe of the city/town
- Presence of English-speaking expats
- Access to public transport (if you don’t want to drive)
💶 Step 4: Finances and Cost of Living
Average Monthly Budget for a Retired Couple:
- Rent: €700–€1,200/month (depending on region and size)
- Utilities: €100–€200/month
- Groceries: €300–€400/month
- Dining out and entertainment: €200–€400/month
- Private health insurance: €100–€200/month per person
In total, many retirees live comfortably on $2,500–$3,500/month in Spain, much less than most U.S. cities.
Banking:
- Open a Spanish bank account after arriving.
- You’ll need this for rent, bills, taxes, and possibly your visa.
- U.S. bank cards may still work, but local banking is more convenient.
Currency Exchange:
- Use services like Wise, Revolut, or XE for good exchange rates and international transfers.
- Keep an eye on the USD/EUR exchange rate.
🏥 Step 5: Healthcare in Spain
Public Healthcare:
- Once you become a resident and stay long enough (usually after 1–2 years), you may qualify for public healthcare.
- Alternatively, pay into the Convenio Especial, a monthly fee-based system for non-working residents.
Private Healthcare:
- Required for your initial visa.
- Many affordable providers offer plans for expats (e.g., Sanitas, Adeslas).
- Private health insurance typically costs €100–€200/month per person and covers dental, specialists, and hospitalization.
Quality of Care:
Spain ranks among the top healthcare systems in the world, with modern facilities and highly trained professionals.
🏛 Step 6: Taxes, Social Security, and Legal Considerations
Taxes:
- Spain taxes worldwide income for residents, including U.S. pensions and Social Security.
- However, the U.S.-Spain tax treaty helps avoid double taxation.
- You must still file U.S. tax returns annually, even while abroad.
Social Security:
- You can receive U.S. Social Security benefits while living in Spain.
- Payments can be direct-deposited into a U.S. or Spanish bank account.
Estate and Inheritance Laws:
- Spain has strict inheritance laws and may apply taxes.
- Consult with a cross-border financial advisor or attorney to structure your estate properly.
📦 Step 7: Planning Your Move – Removals to Spain from the USA
Removals to Spain from the USA require careful logistics:
What to Bring:
- Personal belongings, clothes, sentimental items
- Limited electronics (check voltage compatibility)
- Important documents (originals + copies)
Hiring a Removals Company:
- Use international movers that specialize in removals to Spain from the USA.
- Services may include:
- Packing and shipping
- Customs paperwork
- Insurance
- Door-to-door delivery
- Compare 2–3 quotes and read reviews.
Customs Tips:
- Household goods may be exempt from taxes if you’ve owned them for 6+ months and you’re changing residence.
- Avoid bringing food, plants, firearms, or restricted items.
👥 Step 8: Integrate into Spanish Life
Learn the Language:
- While English is common in tourist areas, learning Spanish is essential for deeper integration and bureaucratic tasks.
Social Life:
- Join expat groups, community events, local classes.
- Facebook and Meetup are good places to find local American or English-speaking communities.
Daily Life Adjustments:
- Expect different schedules: meals are later, stores may close midday, and bureaucratic processes can take time.
- Embrace the culture, food, and rhythm of life—siestas included!
📑 Summary Checklist for Retiring to Spain
- ✅ Confirm retirement budget (minimum income ~€2,400/month)
- ✅ Apply for Non-Lucrative Visa at your regional Spanish consulate
- ✅ Buy private health insurance (required for visa)
- ✅ Choose where in Spain to live
- ✅ Hire a company that specializes in removals to Spain from the USA
- ✅ Open a Spanish bank account
- ✅ Understand tax obligations and Social Security
- ✅ Start learning Spanish
- ✅ Integrate and enjoy your new life!
✈️ Conclusion
Retiring to Spain from the USA is a dream that’s absolutely achievable. With stunning scenery, a relaxed lifestyle, and affordable living, it’s no wonder that removals to Spain from the USA are steadily increasing among retirees.
With the right preparation, planning, and paperwork, you can enjoy a fulfilling, healthy, and adventurous retirement in one of Europe’s most beloved countries.