The Fernshore Index
The factors retirees look at first.
Each grade is against a published measure, with its source and the date we checked it. It is research information, not advice. Where we have no figure, the row says Unknown.
Retirement
85 of 100Strong
Strong: the "visiteur" card is for people who stay without working, and Service-Public lists it among the permits that count towards the five years needed for the EU long-term resident card.
Source: Carte de séjour "visiteur" (visitor residence card); Carte de résident de longue durée-UE (étranger en France depuis 5 ans). Checked 15 October 2026.
Healthcare
73 of 100Strong
WHO UHC service coverage index 82 (2023).
Source: UHC service coverage index (SDG 3.8.1). Checked 15 October 2026.
Cost of living
31 of 100Weak
Price level 0.766 of United States prices (2025).
Source: Price level index (GDP), France. Checked 15 October 2026.
Safety
34 of 100Mixed
Global Peace Index 2026: 99th of 163.
Source: Global Peace Index 2026, overall rank. Checked 15 October 2026.
Community
60 of 100Mixed
Expat Insider 2026 Ease of Settling In: 16th of 31.
Source: Expat Insider 2026: Ease of Settling In. Checked 15 October 2026.
Climate
42 of 100Mixed
Toulouse, the main city: 6 comfortable months a year (May to October).
Source: Climate normals 1991–2020, Toulouse-Blagnac (WMO 07630). Checked 15 October 2026.
Visa, United States passport
85 of 100Strong
A visitor card is open without a French job offer: valid 1 year at most and renewable, no minimum age, no deposit, and resources of about EUR 17,700 a year (about US$19,900 at the ECB rate of 9 October 2026), well under US$60,000. To be safe, have more than EUR 18,000 a year. It does not allow work. A one-year renewable card is read here as a year or more.
Source: Carte de séjour "visiteur" (visitor residence card); Visa de long séjour (séjour de plus de 3 mois à 1 an). Checked 15 October 2026.
Visa, Canada passport
85 of 100Strong
A visitor card is open without a French job offer: valid 1 year at most and renewable, no minimum age, no deposit, and resources of about EUR 17,700 a year (about US$19,900 at the ECB rate of 9 October 2026), well under US$60,000. To be safe, have more than EUR 18,000 a year. It does not allow work. A one-year renewable card is read here as a year or more.
Source: Carte de séjour "visiteur" (visitor residence card); Visa de long séjour (séjour de plus de 3 mois à 1 an). Checked 15 October 2026.
Visa, Australia passport
85 of 100Strong
A visitor card is open without a French job offer: valid 1 year at most and renewable, no minimum age, no deposit, and resources of about EUR 17,700 a year (about US$19,900 at the ECB rate of 9 October 2026), well under US$60,000. To be safe, have more than EUR 18,000 a year. It does not allow work. A one-year renewable card is read here as a year or more.
Source: Carte de séjour "visiteur" (visitor residence card); Visa de long séjour (séjour de plus de 3 mois à 1 an). Checked 15 October 2026.
Visa, New Zealand passport
85 of 100Strong
A visitor card is open without a French job offer: valid 1 year at most and renewable, no minimum age, no deposit, and resources of about EUR 17,700 a year (about US$19,900 at the ECB rate of 9 October 2026), well under US$60,000. To be safe, have more than EUR 18,000 a year. It does not allow work. A one-year renewable card is read here as a year or more.
Source: Carte de séjour "visiteur" (visitor residence card); Visa de long séjour (séjour de plus de 3 mois à 1 an). Checked 15 October 2026.
The country
The rest of the research on France.
The country page grades every factor, with its sources.
FranceQuestions from retirees about France.
Which French residence card is meant for people who don't work?
The "visiteur" card is for staying more than 3 months without working. It is valid 1 year at most, is renewable and costs €350 in tax stamps. It asks for enough resources, health insurance for your stay and a handwritten promise not to work in France. Practice can vary by consulate.
How much money does the French visitor card ask for?
For a single person, Service-Public gives a net monthly income; to be safe, have more than €1,500 a month or €18,000 a year. Pensions count, and so can a family member's resources. It follows the Smic, which changes each year. The page gives no figure for couples.
Do years on the visitor card count towards long-term residence in France?
Yes, in part: Service-Public lists the temporary "visiteur" card among the permits whose years count towards the five continuous years for the EU long-term resident card. That card lasts 10 years. Stays abroad of up to 6 months in a row (10 in total) are allowed. It also asks for resources and health cover.
How would healthcare work for a retiree living in France?
The WHO service coverage index for France is 82 of 100 (2023). Without work, public health cover (PUMa) opens 3 months after you arrive, and you keep it by living in France at least 6 months a year. The visa needs insurance for the stay. A 2026 law adds a contribution for some members; the amount awaits a decree.
What do we know about living costs for retirees in France?
Prices overall are about 0.77 of United States prices (World Bank, 2025), an economy-wide average. The one cost we price is rent: Toulouse one-bedroom adverts seen on 10 October 2026 asked €602 to €756 a month including charges. Groceries, utilities and health cover are unknown, and personal tax is excluded.
Sources
Where each figure comes from.
Every figure on this page links to the page we read, with the date we checked it.
- [K1] Carte de séjour "visiteur" (visitor residence card), Service-Public.fr (French government information service). Checked 15 October 2026. Page verified 1 June 2026: valid 1 year at most and renewable; resources of EUR 1,477.93 net a month for a single person; health insurance; no work in France.
- [R1] Carte de résident de longue durée-UE (étranger en France depuis 5 ans), Service-Public.fr (French government information service). Checked 15 October 2026. Page verified 1 June 2026: five years in France on listed permits, including the temporary "visiteur" card, count towards the card.
- [H1] UHC service coverage index (SDG 3.8.1), World Health Organization. Checked 15 October 2026. France: 82 out of 100 (2023), read from the WHO Global Health Observatory API on 15 October 2026.
- [C1] Price level index (GDP), France, World Bank. Checked 15 October 2026. 2025: 76.57 (United States = 100), read from the World Bank API on 15 October 2026.
- [S1] Global Peace Index 2026, overall rank, Institute for Economics and Peace. Checked 15 October 2026. France ranks 99th of 163 countries (score 2.083).
- [Q1] Expat Insider 2026: Ease of Settling In, InterNations (Expat Insider survey, private). Checked 15 October 2026. France ranks 16th of 31 countries.
- [W1] Climate normals 1991–2020, Toulouse-Blagnac (WMO 07630), Météo-France (WMO Climate Normals 1991–2020 via NOAA NCEI). Checked 15 October 2026. Toulouse, the main city for France's climate grade: monthly mean daily highs 9.7 to 28.5 °C; 6 comfortable months (May to October).
- [V1] Visa de long séjour (séjour de plus de 3 mois à 1 an), Service-Public.fr (French government information service). Checked 15 October 2026. Page verified 9 October 2026: more than 3 months in France needs a long-stay visa (type D) from the French consulate, valid from 3 months to 1 year; one of its cases is a visitor who can live on their own resources; it does not allow work.