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 non-lucrative residence visa is for people who live on their means without working (400% of the 2026 IPREM, EUR 28,800 a year), and Spanish law gives long-term residence after five continuous years of temporary residence.
Source: Non-working (non-lucrative) residency visa; Real Decreto 1155/2024, articles 61 and 64 (temporary non-lucrative residence); Ley Orgánica 4/2000, article 32 (long-term residence). Checked 15 October 2026.
Healthcare
79 of 100Strong
WHO UHC service coverage index 84 (2023).
Source: UHC service coverage index (SDG 3.8.1). Checked 15 October 2026.
Cost of living
47 of 100Mixed
Price level 0.645 of United States prices (2025).
Source: Price level index (GDP), Spain. Checked 15 October 2026.
Safety
66 of 100Mixed
Global Peace Index 2026: 27th of 163.
Source: Global Peace Index 2026, overall rank. Checked 15 October 2026.
Community
78 of 100Strong
Expat Insider 2026 Ease of Settling In: 6th of 31.
Source: Expat Insider 2026: Ease of Settling In. Checked 15 October 2026.
Climate
33 of 100Weak
Zaragoza, the main city: 5 comfortable months a year (April, May, June, September and October).
Source: Climate normals 1991–2020, Zaragoza airport (WMO 8160). Checked 15 October 2026.
Visa, United States passport
85 of 100Strong
The telework visa lasts up to one year and is followed by a residence permit of up to three years, renewable in two-year periods (Law 14/2013). It needs no job offer from a Spanish employer, has no age minimum and asks for no deposit or investment. The income test is 200% of the 2026 minimum wage, about EUR 2,400 a month (Washington consulate), about US$32,800 a year at the ECB rate of 15 October 2026 (1.1208 US dollars per euro), under the US$60,000 line. To be safe, have more than EUR 2,500 a month. It needs a degree or three years of experience and a foreign employer or clients.
Source: Telework (digital nomad) visa; Ley 14/2013, articles 74 bis to 76 (international telework); Real Decreto 126/2026, minimum wage for 2026; Euro foreign exchange reference rate, US dollar. Checked 15 October 2026.
Visa, Canada passport
85 of 100Strong
The telework visa lasts up to one year and is followed by a residence permit of up to three years, renewable in two-year periods (Law 14/2013). It needs no job offer from a Spanish employer, has no age minimum and asks for no deposit or investment. The income test is 200% of the 2026 minimum wage, about EUR 2,400 a month (the figure the Washington consulate prints; Ottawa states only the percentage; a private law firm reads it as about EUR 2,800 a month, about US$38,300 a year), about US$32,800 a year at the ECB rate of 15 October 2026 (1.1208 US dollars per euro), under the US$60,000 line. To be safe, have more than EUR 2,500 a month. It needs a degree or three years of experience and a foreign employer or clients.
Source: Remote work (digital nomad) visa, Ottawa; Telework (digital nomad) visa; Ley 14/2013, articles 74 bis to 76 (international telework); Real Decreto 126/2026, minimum wage for 2026; Euro foreign exchange reference rate, US dollar. Checked 15 October 2026.
Visa, Australia passport
85 of 100Strong
The telework visa lasts up to one year and is followed by a residence permit of up to three years, renewable in two-year periods (Law 14/2013). It needs no job offer from a Spanish employer, has no age minimum and asks for no deposit or investment. The income test is 200% of the 2026 minimum wage, about EUR 2,400 a month (the Washington consulate figure for 2026) or about EUR 2,800 a month if Canberra applies the annual minimum wage over 12 months; the Canberra page still shows 2025 figures, about US$32,800 to US$38,300 a year at the ECB rate of 15 October 2026 (1.1208 US dollars per euro), under the US$60,000 line. To be safe, have more than EUR 2,500 a month. It needs a degree or three years of experience and a foreign employer or clients.
Source: Visa for digital nomads, Canberra; Telework (digital nomad) visa; Ley 14/2013, articles 74 bis to 76 (international telework); Real Decreto 126/2026, minimum wage for 2026; Euro foreign exchange reference rate, US dollar. Checked 15 October 2026.
Visa, New Zealand passport
85 of 100Strong
The telework visa lasts up to one year and is followed by a residence permit of up to three years, renewable in two-year periods (Law 14/2013). It needs no job offer from a Spanish employer, has no age minimum and asks for no deposit or investment. The income test is 200% of the 2026 minimum wage, about EUR 2,400 a month (the Washington consulate figure for 2026), or about EUR 2,800 if Wellington applies the annual minimum wage over 12 months, about US$32,800 to US$38,300 a year at the ECB rate of 15 October 2026 (1.1208 US dollars per euro), under the US$60,000 line. To be safe, have more than EUR 2,500 a month. It needs a degree or three years of experience and a foreign employer or clients.
Source: Remote work visa, Wellington; Telework (digital nomad) visa; Ley 14/2013, articles 74 bis to 76 (international telework); Real Decreto 126/2026, minimum wage for 2026; Euro foreign exchange reference rate, US dollar. Checked 15 October 2026.
The country
The rest of the research on Spain.
The country page grades every factor, with its sources.
SpainQuestions from retirees about Spain.
Which Spanish visa is for people who live there without working, and what does it ask for?
The non-lucrative residence visa allows no work, including remote work. Washington asks for 400% of the 2026 IPREM as a yearly amount for one applicant (to be safe, more than €29,000), plus a further amount for each dependant. Pensions can show regular income. Check your own consulate.
What should a retiree know about healthcare in Spain?
The WHO service coverage index for Spain is 84 of 100 (2023). The non-lucrative visa asks for insurance from an insurer authorised in Spain with no co-payment or limit; travel insurance is not accepted. Spain is not on Australia’s list of reciprocal agreements, and New Zealand’s covers only Australia and the UK.
Is there a route from a retirement visa to long-term residence in Spain?
Washington says the first residence card is valid for one year and can be renewed. Spanish law gives long-term residence, to live and work indefinitely, after five continuous years of temporary residence, on conditions set by regulation. Ask the authorities how your years are counted.
What do we know about living costs for retirees in Spain?
Prices overall are about 0.65 of United States prices (World Bank, 2025), an economy-wide average. Fotocasa’s rent index (updated 7 October 2026) gives €14.10 per m² a month for Spain, €10.73 in Granada city and €19.60 in Palma. Groceries, utilities and insurance are unknown, and personal tax is excluded.
What do safety, settling in and summer heat look like for retirees in Spain?
The Global Peace Index 2026 ranks Spain 27th of 163. Expat Insider 2026 ranks it 6th of 31 for ease of settling in and 1st for quality of life; these are a national score and expat surveys, not city measures. Average July highs are 36.4 °C at Granada airport and 32.8 °C at Zaragoza airport (1991–2020).
Sources
Where each figure comes from.
Every figure on this page links to the page we read, with the date we checked it.
- [R1] Non-working (non-lucrative) residency visa, Consular Section, Embassy of Spain in Washington, D.C.. Checked 15 October 2026. 2026: annual means of 400% of the IPREM (IPREM EUR 600 a month), EUR 28,800 a year for one applicant; the initial TIE is valid for one year and renewable; no work allowed.
- [R2] Real Decreto 1155/2024, articles 61 and 64 (temporary non-lucrative residence), Boletín Oficial del Estado (consolidated text). Checked 15 October 2026. Temporary residence without work, renewable.
- [R3] Ley Orgánica 4/2000, article 32 (long-term residence), Boletín Oficial del Estado (consolidated text). Checked 15 October 2026. Long-term residence after five continuous years of legal residence.
- [H1] UHC service coverage index (SDG 3.8.1), World Health Organization. Checked 15 October 2026. Spain: 84 out of 100 (2023), read from the WHO Global Health Observatory API on 15 October 2026.
- [C1] Price level index (GDP), Spain, World Bank. Checked 15 October 2026. 2025: 64.52 (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. Spain ranks 27th of 163 countries (score 1.654).
- [Q1] Expat Insider 2026: Ease of Settling In, InterNations (Expat Insider survey, private). Checked 15 October 2026. Spain ranks 6th of 31 countries.
- [W1] Climate normals 1991–2020, Zaragoza airport (WMO 8160), Agencia Estatal de Meteorología, AEMET (WMO Climate Normals 1991–2020 via NOAA NCEI). Checked 15 October 2026. Zaragoza, the main city for Spain's climate grade; mean daily highs 11.2 to 32.8 °C; 5 comfortable months (April, May, June, September, October).
- [V1] Telework (digital nomad) visa, Consular Section, Embassy of Spain in Washington, D.C.. Checked 15 October 2026. Written for residents of D.C., Maryland, Virginia, West Virginia and North Carolina. 2026: SMI EUR 1,221; 200% = EUR 2,442 a month for an applicant alone; remote work for companies outside Spain, up to 20% of professional activity for Spanish clients; degree or three years of experience; no minimum age stated. Used for the US passport and, for the euro figure, for CA, AU and NZ.
- [V5] Ley 14/2013, articles 74 bis to 76 (international telework), Boletín Oficial del Estado (consolidated text). Checked 15 October 2026. Added by Law 28/2022, in force from 23 December 2022. Long-stay visas valid one year (or the length of the authorisation if shorter); residence authorisation for telework valid up to three years, renewable in two-year periods.
- [V6] Real Decreto 126/2026, minimum wage for 2026, Boletín Oficial del Estado. Checked 15 October 2026. EUR 1,221 a month (14 payments), EUR 17,094 a year, from 1 January 2026.
- [V7] Euro foreign exchange reference rate, US dollar, European Central Bank. Checked 15 October 2026. 15 October 2026: 1.1208 US dollars per euro, used to convert the income test; EUR 2,442 x 12 = EUR 29,304 = about US$32,800; EUR 2,849 x 12 = EUR 34,188 = about US$38,300.
- [V2] Remote work (digital nomad) visa, Ottawa, Embassy of Spain in Ottawa (Ministry of Foreign Affairs). Checked 15 October 2026. In Spanish. For Ottawa and Gatineau; elsewhere Toronto or Montreal. Income of 200% of the minimum wage a month, no euro figure; degree or three years of experience; company at least a year old.
- [V3] Visa for digital nomads, Canberra, Embassy of Spain in Australia (consular section). Checked 15 October 2026. Financial means of at least 200% of the monthly minimum wage; the page still shows 2025 figures (minimum wage EUR 1,184 in 14 payments, EUR 1,381.33 over 12).
- [V4] Remote work visa, Wellington, Embassy of Spain in Wellington (Ministry of Foreign Affairs). Checked 15 October 2026. In Spanish. For applicants resident in the Wellington district. Income of 200% of the minimum wage a month, no euro figure; degree or three years of experience.