Freelancer's Guide
Apr 15, 2024

Spain: The Sweet Spot of Affordable Living 🇪🇸💰

Picture yourself in Spain, where the cost of living is a pleasant surprise, the Mediterranean sun keeps you smiling daily, and a vibrant culture surrounds you. Whether it's Barcelona's bustling streets, the Costa del Sol's tranquil beaches, or Seville's historic charm, Spain combines affordability and fulfillment for an incredible life abroad.

How to start saving money

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Why it is important to start saving

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How much money should I save?

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What percentage of my income should go to savings?

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Hola, amigos and amigas! If you are thinking about living in Spain, the land of siestas, fiestas, and glorious sunshine, you're in for a treat. Spain, a country renowned for its vibrant culture, rich history, and diverse landscapes, is an attractive destination for those considering a move to Europe.

As a digital nomad who lived in Spain for several months, I gained valuable insights into the cost of living in this captivating country. In this guide, I will provide you with a detailed overview of the expenses you can expect while living in Spain, based on my personal experiences and observations. So, let's delve into the specifics and make sure you're well-prepared for your Spanish adventure. 💼🏡💸

Cost of Housing in Spain 🏡

In Spain, housing is not just about four walls and a roof; it's about embracing a new lifestyle, immersing yourself in a rich culture, and creating memories that will warm your heart. So, as you embark on your housing journey in this beautiful country, let your emotions guide you, and may your home be a place where your dreams come to life.

Cost of Rental Homes in Spain 🏡

When it comes to finding a rental home in Spain, the options are as diverse as the country itself. Let's dive into the details, exploring different regions and what you can expect.

Friendly Tip: During my stay, I found that negotiating rental prices is quite common, so don't hesitate to try for a better deal if you plan to stay a while.

Vibrant City Centers 🌆

Barcelona: As one of Spain's most popular cities, Barcelona boasts a bustling rental market. In the heart of the city, a one-bedroom apartment might cost you between €900 and €1,500 per month. Prices can be higher in trendy districts like el Borne or the Gothic Quarter. 

Trendy: Poblenou district has been on the rise for the past years. If you’re looking for staying in an expat community, especially the eastern side of Diagonal street - Poblenou can be a hip option for you.

Madrid: The capital city offers a mix of rental options. In the city center, one-bedroom apartments typically range from €800 to €1,300 per month. Prices may vary based on location and property features too. Madrid is a very big city so understanding city dynamics even before going is a huge plus.

Coastal Gems 🏖️

Valencia: This coastal paradise offers more budget-friendly options. In the city center, you can find one-bedroom apartments for €700 to €1,100 per month, making it an attractive choice for those seeking sun and sea. But if you can be just outside the center, rent can go down especially in the winter times.

Málaga: Along the Costa del Sol, Málaga is a hub of Andalusian sea tourism. Málaga offers a wide range of rental properties for all its guests. A one-bedroom apartment in the city center usually costs between €600 and €1,000 per month. It's an ideal spot for those looking for a relaxed coastal lifestyle.

Charming Towns 🏡

Seville: The picturesque city of Seville provides a glimpse into traditional Spanish life. In the city center, expect to pay between €600 and €1,000 for a one-bedroom apartment per month. Historic neighborhoods like Santa Cruz can be pricier.

Granada: Nestled in the Andalusian mountains, Granada is a haven for culture and history lovers. A one-bedroom apartment in the city center can range from €500 to €900 per month. Plus, you might even have a view of the famous Alhambra.

Experience Note: I found a charming one-bedroom apartment in Barcelona's Gràcia district for €1,200 a month with a short time deal. Its central location and vibrant Catalan neighborhood made it an ideal base for my adventures, and I even negotiated a bit on the price.🏡💸

Hotels in Spain 🏨

Choosing the right hotel in Spain can be a delightful part of your adventure. From the bustling streets of Barcelona to the serene courtyards of Seville, the country offers a diverse range of accommodations to suit every traveler's taste and budget.

Barcelona: Barcelona's mid-range hotels, centrally located, typically cost between €80 and €200 per night. If you want a room with a view of the magnificent Sagrada Familia or the sparkling Mediterranean, be prepared to invest a bit more. 🏰🌊

Note: Booking your hotel well in advance can save you some euros, and if you're a night owl like me, look for hotels that offer late check-ins. During my travels in Valencia, I discovered that reserving a room a few weeks ahead not only guaranteed a better rate but also peace of mind. 🌙

Madrid:The Spanish capital, Madrid, presents a variety of accommodation options. In the city center, mid-range hotels typically range from €80 to €150 per night. However, if you prefer the opulence of the Gran Vía or the tranquility of El Retiro Park, you need to dive into your pocket more. 💃🌆

Seville: Seville, with its enchanting Moorish architecture, offers affordable lodging. In the city center, mid-range hotels can be found for around €50 to €130 per night. Given the warm climate, many hotels also feature picturesque courtyards, enhancing your experience. 🌞🏰

Granada: Granada, a city known for the majestic Alhambra, provides budget-friendly hotel options. In the city center, you can secure a mid-range hotel for approximately €60 to €120 per night. Some even offer splendid views of the Alhambra from your window. 🕌🌄

Valencia: The coastal gem of Valencia offers excellent value for accommodations. For a mid-range hotel in the city center, you might spend around €70 to €130 per night. If you aim for a beachfront hotel overlooking the Mediterranean, the prices may be slightly higher. 🏖️🍹

Handy Hint: Booking directly through a hotel's website can often lead to better deals and additional perks, like free breakfast or a room upgrade. During my stay in Barcelona, I tried this and was pleasantly surprised with the extra amenities. 🌐🍳

Spanish are used to renting out rooms and becoming flatmates with newcomers too. In big cities like Barcelona and Madrid, it is pretty usual to rent out every habitable room to let more people enjoy live while paying lower rents. Whether you wish to rent your own place or move in with flatmates, you may check out some websites that offer public posts from current flatmate searchers. is a great place to start. 

Hostels and Co-Living Spaces in Spain 🏡

If you're looking for budget-friendly and social accommodation options, Spain has you covered with amazing hostels and co-living spaces. They not only save you money but also offer opportunities to connect with fellow travelers. Here's a detailed look at what you can expect:

Hostels: 🏨

Hostels are scattered across Spain, providing a diverse range of options. Prices can vary based on the city and location. In larger cities like Barcelona and Madrid, a bed in a shared dorm room might cost you between €15 and €35 per night. Smaller towns and coastal destinations typically offer more budget-friendly options, making it an excellent choice for backpackers and solo travelers.

Hostel Recommendation: Check out "Sant Jordi Hostels" in Barcelona for its lively atmosphere and fantastic communal spaces. During my stay, I made some great friends there, and we ended up exploring the city together.

Co-Living Spaces: 🏘️

Co-living spaces have gained popularity for their community-oriented approach. In cities like Barcelona and Valencia, you might find co-living spaces with a monthly rate starting from €500 to €800. These spaces often come with added amenities and events for residents, creating an environment where work and leisure seamlessly blend. It's a great option if you plan to stay for an extended period and want a productive yet social environment. 

Co-Living Suggestion: I had a memorable experience at "Sun and Co." in Jávea. This co-living space offers a beautiful beach town setting, making it an ideal place to work and unwind. I found that the mix of like-minded individuals and the setting led to a fantastic work-life balance.



Useful Advice: Hostels and co-living spaces tend to fill up quickly during peak tourist seasons, so booking in advance is a smart move. Additionally, check for any included perks like breakfast or organized events, which can enhance your stay and help you save even more.

Whether you choose a hostel for its social scene or a co-living space for its work-friendly environment, Spain's accommodation options make your stay more than just a place to sleep. They create opportunities for meaningful connections and shared experiences with fellow travelers, adding an extra layer of enrichment to your Spanish adventure. 🌍🤝🏨

Food and Grocery Shopping in Spain 🍽️🛒

When it comes to savoring delicious food and exploring local markets, Spain offers a feast for the senses. From bustling markets brimming with fresh produce to cozy local stores with authentic Spanish ingredients, here's a culinary journey that not only delights your taste buds but also keeps your budget in check.

Local Markets and Supermarkets 🛍️

Budget-Friendly Markets:

Spain is known for its lively local markets, where you can find fresh, locally sourced ingredients at fantastic prices. In these markets, you'll discover a vibrant array of fruits, vegetables, meats, and cheeses. Prices can vary from region to region, but generally, you can expect to pay:

🥛 1 liter of milk: €0.70 - €1.20

🍞 1 kg of bread: €1.00 - €2.50

🍚 1 kg of rice: €1.00 - €2.50

🍗 1 kg of chicken breast: €6.00 - €9.00

🧀 1 kg of local cheese: €6.00 - €10.00

🍅 1 kg of tomatoes: €1.00 - €2.00

🍎 1 kg of apples: €1.00 - €2.00

Supermarket Selection:

Spain offers a wide range of supermarket options, catering to different budgets and preferences. Here are some of the prominent supermarket chains you'll come across:

Mercadona/ LIDL: Known for its excellent value for money, Mercadona and Lidl are one of Spain's most popular supermarket chains. It offers a broad selection of products, including fresh produce, dairy, and household items. Prices are generally competitive, making it a preferred choice for budget-conscious shoppers.

Carrefour: Carrefour is another major player in the Spanish retail landscape. With a wide variety of products and competitive prices, it's a go-to destination for many shoppers. You can find everything from groceries to electronics in Carrefour stores.

Consum: For a mid-range shopping experience, Consum is a great option. It offers quality products without the premium price tag. You'll discover a range of groceries and household items, making it an ideal choice for families and budget-conscious travelers.

Alcampo: Alcampo is known for its large hypermarkets with a diverse selection of goods. It's a one-stop-shop for groceries, electronics, clothing, and more. While some products may be on the pricier side, you can still find reasonably priced options.

Charming Insight: Exploring local markets is not only a great way to immerse yourself in Spanish culture but also to discover budget-friendly, fresh ingredients. If you're renting a place with a kitchen during your stay, consider whipping up some authentic Spanish dishes with your market finds.
✨🍅Story Time!! : During one of my grocery adventures in Valencia, I stumbled upon a charming family-owned stall. They had the juiciest, most flavorful tomatoes, and their secret tomato-growing technique had been passed down through generations. With a big smile, they shared their family recipe for authentic Spanish gazpacho. Now, I surprise my friends and family with this delicious dish.


Authentic Spanish Gazpacho Recipe:




6 ripe tomatoes, coarsely chopped

1 cucumber, peeled and coarsely chopped

1 green bell pepper, coarsely chopped

1 small red onion, coarsely chopped

2 cloves garlic, minced

1/4 cup extra-virgin olive oil

2 tablespoons red wine vinegar

1 teaspoon salt

1/2 teaspoon black pepper

4 cups tomato juice

Fresh basil or parsley for garnish


  • Blend tomatoes, cucumber, bell pepper, red onion, and garlic until smooth.
  • Gradually add olive oil and red wine vinegar. 🍷
  • Season with salt and black pepper.
  • Blend with tomato juice until desired consistency.
  • Chill for an hour and garnish with fresh basil or parsley before serving.


This Spanish gazpacho is a delightful taste of my journey in Spain. I love sharing it with my loved ones. 🍅🥒🍴

Dining out in Spain 🍽️

When it comes to dining out in Spain, get ready for a delightful culinary journey that won't empty your wallet. Spain's food scene is a true fiesta for the taste buds, offering an array of flavors and dishes to explore. Whether you're a budget traveler or looking for a luxurious dining experience, Spain has something for everyone.

Budget-Friendly Eateries:

In cozy local cafés and casual spots, you can enjoy a satisfying meal for as low as €10 to €15. Think tapas, bocadillos, and hearty Spanish omelets – the kind of food that's both delicious and light on the pocket.

Mid-Range Restaurants:

For a slightly more upscale experience, mid-range restaurants are your go-to. Here, you can indulge in a three-course meal for around €25 to €40 per person. It's the perfect opportunity to dive into regional specialties and savor the flavors of Spain.

Luxury Dining:

If you're in the mood for a grand culinary adventure, Spain's high-end restaurants have you covered. They offer exquisite dining experiences with prices ranging from €50 to €150 or more per person. Imagine savoring gourmet dishes that are almost too pretty to eat.

Tip: Don't miss the chance to try the local specialties of the region you're visiting. Every corner of Spain has its own culinary treasures waiting for you to discover. Whether it's the seafood paellas by the coast or the succulent cochinillo (suckling pig) in Segovia, there's always something tasty to try.

To make your dining experience even more delightful, here are a few restaurant suggestions:

El Quim de la Boqueria, Barcelona: A lively market stall where you can feast on mouthwatering tapas.

Casa Gerardo, Oviedo: This Michelin-starred gem is your ticket to traditional Asturian cuisine.

Botín, Madrid: As one of the world's oldest restaurants, it's renowned for its exceptional roast suckling pig.

So, when you're in Spain, get ready to enjoy a culinary adventure that's as flavorful as it is friendly. 🍴🇪🇸

Getting Around Spain: Transportation Costs 🚗

Spain offers a well-connected and efficient transportation system that caters to a variety of preferences. Let's break down the costs of different modes of transportation:

Public Transportation:

Spain's cities boast excellent public transportation networks, including buses, trams, and metro systems. The cost of a one-way ticket within the city generally ranges from €1.50 to €2.50, less if you buy batches. If you plan on using public transportation frequently, consider purchasing multi-trip cards or travel passes to save on costs. I'd be happy to share the metro maps with you. 

Madrid Metro Website: Madrid Metro Official Website

Barcelona Metro Website: Barcelona Metro Official Website

Valencia Metro Website: Valencia Metro Official Website

Seville Metro Website: Seville Metro Official Website

Bilbao Metro Website: Bilbao Metro Official Website


Taxis are widely available in Spain, and the starting fare typically begins at €3.50 to €5, with an additional charge per kilometer. They're convenient for short trips or when you prefer a more private ride.


Spain's extensive train network connects major cities and regions. For instance, a high-speed train ride between Madrid and Barcelona can cost around €40 to €100, depending on the class and booking time. Booking tickets in advance often provides discounts.

Personal tips to make your journey smoother: 🌟: If you plan to do a lot of city hopping or explore regions within Spain, look into rail passes or combination tickets. They can offer great value for those seeking adventure.

Renfe Spain Pass: This pass is for non-residents and offers flexible travel within Spain. Prices for the Renfe Spain Pass start at around €170 for 4 journeys in Tourist class and go up to approximately €420 for 12 journeys.

AVE Youth Pass: If you're under 30 and an EU resident, you can enjoy discounted train travel with the AVE Youth Pass. Prices vary, but you can expect to pay around €40 for a single journey in Tourist class.

Multi-Journey Tickets: Renfe, Spain's national railway company, often offers multi-journey tickets at discounted rates. For example, a "Tarjeta Plus 10" allows you to purchase ten journeys for a reduced price, making each trip more cost-effective.

Interrail and Eurail Passes: While these passes primarily cover travel between European countries, they can be a great option for travelers who plan to explore Spain as part of a broader European adventure. Prices for Interrail and Eurail passes vary based on factors such as duration and class.

With Spain's well-structured transportation options and a bit of savvy planning, you can comfortably explore the country without worrying about blowing your budget. 🚌🚇🚉

Car Rental Costs:

The price of renting a car in Spain can vary depending on several factors, including the type of vehicle, rental duration, and location. On average, you can expect to pay around €25 to €60 per day for a standard car. Keep in mind that if you're renting from the airport or in a highly touristic area, prices might be slightly higher.

Fuel costs in Spain are similar to other Western European countries. As of my last update in early 2022, the average price for a liter of gasoline (95-octane) was around €1.35, while diesel was approximately €1.25. Be sure to check the current prices before your trip.

With your own wheels, you'll have the freedom to explore the hidden gems of Spain at your own pace. Whether it's the rugged beauty of the Spanish countryside or the vibrant streets of its cities, a car rental can open up a world of adventure. 🚗🗺️🌄

🚗Experience Note: During my adventure in Spain, I opted for rentals. For a reasonable €10 per day (without the insurance), I secured a reliable and spacious car to explore the picturesque Spanish countryside and coastal roads. 

Education and Health in Spain 🏫🏥

Spain offers a captivating blend of education and healthcare that's both enriching and accessible. Whether you're considering studying in its world-renowned institutions or seeking universal healthcare services, Spain has you covered. 

Academic Excellence 📚

Spain boasts a rich educational heritage with its universities consistently ranking among the world's best. From the historic University of Salamanca to the modern vibrancy of institutions in Barcelona and Madrid, there's a diverse range of programs for local and international students. Notably, Spain is known for its strong emphasis on arts, sciences, and business education.

Cost-Efficient Learning 💰

What's remarkable is that the cost of education in Spain is relatively affordable compared to other Western European countries. Tuition fees can vary, but they often remain within a moderate range. On average, you can expect to pay around €1,000 to €2,500 per year for a bachelor's degree at a public university. Private universities may have higher tuition fees.

Studying in Spain provides not only academic enrichment but also a cultural immersion. You'll have the chance to learn one of the world's most widely spoken languages - Spanish - and delve into the country's vibrant traditions, culinary delights, and lively festivals. Spain's unique blend of history and modernity will surely leave a lasting impact on your educational journey.

Healthcare Excellence 🏥

Spain's healthcare system is consistently ranked as one of the best in the world in terms of quality and inclusivity for different institutions. The country combines state-funded healthcare with private healthcare services, ensuring that residents and visitors alike receive universal medical care. Spain's emphasis on universal healthcare means you can access quality treatment without worrying about exorbitant medical bills.

Whether you need a routine check-up, specialized treatment, or emergency care, Spain's healthcare system ensures accessibility and high standards. The country's well-trained medical professionals and state-of-the-art facilities make it a preferred destination for medical tourism. In general, a doctor's visit may cost around €30 to €80, while more complex treatments and surgeries can vary in price.

Non-resident individuals in Spain are required to have health insurance, which helps cover medical expenses, ensures access to quality treatment, and eases the burden on the public healthcare system. Monthly premiums for health insurance vary based on factors like age and coverage level, typically ranging from €30 to €100 or more. Careful consideration of healthcare needs is crucial when selecting the right coverage.

Entertainment and Cultural Activities Costs in Spain

Spain, a nation renowned for its artistic heritage, dynamic culture, and spirited fiestas, offers a vivid spectrum of entertainment and cultural activities that won't strain your budget. From exploring awe-inspiring museums to dancing to the fiery rhythms of flamenco, here's a peek into the cost-friendly world of Spanish culture.

The Flamenco Frenzy 💃🎶

Immerse yourself in the passionate world of flamenco, a quintessential Spanish art form. Many cities, especially Seville and Madrid, offer intimate flamenco shows where you can experience the fiery dance and music. Ticket prices typically range from €10 to €20, making it accessible to all.

Artistic Marvels 🖼️

Spain's artistic legacy is celebrated in its numerous museums and galleries. The renowned Prado Museum in Madrid or the Picasso Museum in Barcelona are just a couple of the cultural havens where you can feast your eyes on masterpieces. Entrance fees vary, but you can generally explore these artistic treasures for around €12 to €15.

Architectural Wonders 🏛️

Spain is a treasure trove of architectural marvels that reflect its rich history and cultural diversity. From the stunning Alhambra in Granada, a testament to Islamic architecture, to the unique and colorful Park Güell in Barcelona designed by Antoni Gaudí, the country offers a splendid array of architectural wonders. Exploring these sites often comes with reasonable admission fees, typically ranging from €10 to €20, allowing you to immerse yourself in the captivating architectural heritage of Spain without breaking the bank. Whether it's the intricate Moorish designs of the Alhambra or the whimsical Modernist creations of Gaudí, Spain's architectural heritage is a feast for the eyes and a must-see for culture enthusiasts.

Music That Moves You 🎵

Spain's music scene is diverse, and you can often catch live performances without burning a hole in your pocket. Outdoor concerts, especially during festivals, often offer free or low-cost admission. Whether it's a classical orchestra or contemporary indie band, Spain provides a harmonious experience for music enthusiasts.

A Cinematic Affair 🎥

Moviegoers will be pleased to know that Spain's cinemas are both modern and reasonably priced. Tickets for a standard screening generally cost around €7 to €10. With a bowl of popcorn and a comfortable seat, it's a perfect way to unwind and enjoy a film.

Fiesta Time! 🎉

Spaniards are known for their love of festivals, and you can be part of these joyous celebrations without worrying about your budget. Whether it's the colorful Carnival of Tenerife or the vibrant La Tomatina festival in Buñol, your participation in these cultural extravaganzas is often free or requires a nominal fee.

Life as a Digital Nomad in Spain

For digital nomads, Spain is not just a country; it's an experience. With its sunny beaches, historic cities, and a modern work culture, Spain welcomes remote workers with open arms. Here's a glimpse into the exciting and flexible life of a nomad in this diverse and captivating nation.

The Work-Life Balance ⚖️

Spain's relaxed and balanced approach to life is perfect for digital nomads seeking to combine work with leisure. The concept of "siesta" is not just a nap; it's a way of life. After a productive morning, you can enjoy a leisurely lunch, recharge, and then continue working in the late afternoon or evening. The country's work culture embraces this rhythm, making it easier to strike a balance.

Coworking Havens 🏢

Spain is a hub for coworking spaces, especially in major cities like Barcelona, Madrid, and Valencia. These spaces offer reliable internet, comfortable workstations, and the opportunity to connect with fellow nomads. With a variety of options available, you can choose a coworking environment that suits your preferences and needs.

Cultural Immersion 🏛️

Spain's rich history and diverse culture provide endless opportunities for exploration. You can work from the shadow of the Alhambra in Granada, sip coffee in a bustling square in Seville, or set up your laptop in a charming café in Barcelona. With a multitude of historical sites, festivals, and delectable cuisine, every work break feels like an adventure.

Language and Connection 🗣️

While Spanish is the primary language, many Spaniards, especially in urban areas, speak English. This linguistic flexibility makes it easy to communicate and connect with locals. Additionally, Spain's strong internet infrastructure ensures seamless online communication with clients and colleagues worldwide. Spain is a captivating destination for freelancers and nomads. Its perfect blend of work, leisure, and cultural experiences creates a lifestyle that's both enriching and fulfilling. As you roam from the Mediterranean coast to the historic heart of Spain, your journey as a freelancer or digital nomad will be a remarkable adventure. 🌞👩‍💻🌇

Applying for Spain's Digital Nomad Visa

The dream of working from a sun-soaked Spanish beach or a bustling Barcelona café while maintaining your professional life is now a reality. Spain's Digital Nomad Visa has opened doors for remote workers, freelancers, and entrepreneurs seeking to live and work in this vibrant country. In this guide, we'll walk you through the application process and essential requirements to make your digital nomad dream in Spain come true.

Requirements for Spain's Digital Nomad Visa

Before you embark on your digital nomad journey in Spain, it's crucial to understand the eligibility criteria. The Digital Nomad Visa caters to non-residents who wish to live in Spain while working remotely. Here are the key requirements:

Remote Work Capability: You must demonstrate that your work can be done remotely. Whether you're self-employed or employed by a foreign company, remote work is the cornerstone of this visa.

Employer Stability: If you're employed, your employer must have been in business for at least one year.

Self-Employed Freelancers: Self-employed individuals should have a stable client base and ensure that work with Spain-based clients does not exceed 20% of their overall workload.

Educational Background or Experience: You need to hold a bachelor's or master's degree from an accredited institution or have a minimum of three years of relevant work experience in your field.

Financial Stability: You should be financially stable, with an income equal to at least 200% of the Spanish national minimum wage, approximately €2,280 per month or €30,840 per year. Supporting documents like bank statements, payslips, and employment contracts are required.

Clean Criminal Record: A clean criminal record is mandatory for obtaining the visa.

Residence History: To qualify, you must not have resided in Spain during the past five years. If you're currently in Spain without proper legal authorization, you are not eligible for the digital nomad visa.

Step-by-Step Application Process

Now, let's explore the step-by-step process to secure your Spanish Digital Nomad Visa:

Prepare Documents: Collect required paperwork, possibly needing translation and Apostille.

Book Appointment: Schedule a meeting with your local Spanish embassy or consulate.

Pay Visa Fee: Submit the non-refundable fee, typically around €80, via bank transfer.

Attend Appointment: Present your documents during the appointment, including temporary passport submission.

Visa Approval: Wait 15-45 days for visa processing. Upon approval, pick up your visa within one month. If rejected, receive reasons and one month for appeal.

Secure NIF and NIE: Obtain an NIE and NIF for essential tasks like opening a bank account.

To delve deeper into the details and access the most current information about Spain's Digital Nomad Visa, visit the official website here.

Nomad community has your back

‍Digital nomad adventures is a community dedicated to the the lifestyle of digital nomads. They also have great insights about the Spanish visa processes, and some more relevant details for those of you that are looking for more. It is a breeze to read their guidelines, so let me leave a link to their page here, make sure to pay a visit!

Taxes in Spain: A Guide for Expats 

Spain, with its picturesque landscapes and vibrant culture, is a popular destination for expatriates. But, like in any country, understanding the tax system is essential. Here's a brief overview of taxes in Spain for those who are planning to move or live in this beautiful Mediterranean nation.

Residency Status 

Your tax liability in Spain largely depends on your residency status. If you reside in Spain for more than 183 days in a calendar year or if your primary economic interests are in the country (e.g., family and business ties), you are considered a tax resident and viable for the whole year of taxes. Non-residents, on the other hand, pay taxes on income generated in Spain.

Income Tax 💰

As a tax resident, you are subject to personal income tax, known as IRPF (Impuesto sobre la Renta de las Personas Físicas). Spain uses a progressive tax rate, with rates that can range from 19% to 47%, depending on your income level. Deductions and exemptions may apply, so it's advisable to consult with a tax advisor to optimize your tax situation.

Wealth Tax 

Spain has a wealth tax (Impuesto sobre el Patrimonio) that applies to individuals with a net worth exceeding a certain threshold. The tax rate varies depending on your wealth and the autonomous community in which you reside.

Property Tax 

Owning property in Spain also comes with property taxes, known as IBI (Impuesto sobre Bienes Inmuebles). The tax rate is determined by the local municipality and can vary significantly. Additionally, non-residents who own property in Spain are subject to income tax on imputed rental income.

Value Added Tax (VAT) 

Spain applies a Value Added Tax (IVA - Impuesto sobre el Valor Añadido) to most goods and services. The standard rate is 21%, with reduced rates of 10% and 4% for specific items like food, tourism, and healthcare.

Inheritance and Gift Tax 

Inheritance and gift taxes vary by region in Spain. Some regions offer significant tax exemptions and deductions for close family members, while others may have higher tax rates.

Recommended Monthly Income for a Comfortable Life in Spain

Living comfortably in Spain is not just a dream; it's a tangible reality. The country offers a vibrant lifestyle that doesn't necessitate a hefty bank account. To lead a fulfilling life here, a monthly income ranging from €1,500 to €2,500 is often sufficient. Let's delve into the key aspects that shape the cost of living in Spain, making it a wonderful destination for expats and those seeking a European haven.

The first step to a comfortable life in Spain is securing a place to call home. Renting a one-bedroom apartment in urban areas typically falls in the range of €600 to €1,000 per month. If you decide to put down roots by purchasing property, you'll need to consider additional expenses such as property tax, utilities, and community fees.

Spanish cuisine is renowned for its flavors and diversity. To relish the local culinary delights, budget around €400 to €600 per month for groceries and dining out. The opportunity to savor tapas, explore local markets, and indulge in regional specialties is an integral part of the Spanish way of life.

Getting around Spain is relatively convenient and affordable. Monthly transportation expenses can vary from €40 to €70, depending on whether you opt for public transportation or manage car-related costs. Major cities boast efficient public transit systems, making it easy to navigate and explore.

Spain takes pride in its healthcare system, consistently ranking among the best in the world. As part of your comfortable life in Spain, consider private health insurance, which typically ranges from €50 to €100 per month. This provides access to quality medical care and peace of mind.

Spain's rich cultural scene and vibrant lifestyle offer countless opportunities for leisure and entertainment. Allocate around €150 to €300 per month for these activities, which may include movies, concerts, and occasional travel. Whether you're into music, art, or exploring the country, there's something for everyone.

Financial security is an essential aspect of leading a comfortable life. Set aside a portion of your income for savings and emergencies. Aim to save at least 20%, which can amount to approximately €300 to €500 per month. This provides a safety net and ensures you're prepared for unexpected expenses or future plans.

5 Months in Spain: An Unforgettable Journey of Work, Fun, and Discovery 🌞👩‍💻

My time in Spain has been an incredible blend of work, adventure, and personal growth. It's a story of thriving under the Spanish sun, where every day feels like a fresh page in the book of life.

The siesta, a cherished Spanish tradition, swiftly became my daily rhythm. After productive mornings at work, I'd slip away from the midday heat, diving into the unhurried pace of Spanish life. Napping under the warm, sun-kissed afternoons and relishing unhurried lunches turned into a cherished routine. This simple practice not only recharged me but also reminded me to revel in the joy of living in the moment.

Spain's coworking spaces were more than just places to work; they were hubs of creativity and connection. I found myself collaborating with a graphic designer from Brazil, a wordsmith from Sweden, and a coding wizard from India. Our diverse backgrounds and experiences led to unexpected collaborations, enriching my professional and personal life in incredible ways.

The icing on the Spanish cake was the affordability of living. With an average monthly income of 2,000 euros, I reveled in the culture, soaked in the fun, and diligently worked. It was a pleasant surprise that life's most enriching experiences could be enjoyed without breaking the bank. 🌇💼🌍