Retired Americans swap US price hikes for Spanish life of comfort and class.
Credit: Ana Iacob Photography, Shutterstock
They’ve packed their bags and crossed the Atlantic — more and more American retirees are choosing Spain for a retirement rich in culture, comfort, and peace of mind.
The Association of Americans Resident Overseas estimates that around 108,000 Americans already live in Spain, out of 5.5 million US citizens living abroad. Experts believe those numbers will climb as Spain’s relatively affordable lifestyle and strong healthcare system attract retirees looking to make their pensions go further.
Quality of life takes the crown.
Spain has been named the top European destination for American retirees by expat network InterNations, which highlighted the country’s top quality of life and abundance of leisure activities — from world-class food and sports facilities to lively cultural scenes in cities like Madrid, Valencia, and Barcelona.
In its 2025 report, Global Citizen Solutions ranked Spain the number one retirement spot for Americans, estimating monthly living costs between $2,000 and $2,500 — a figure that often includes rent. For many, that makes it easier to stretch savings and enjoy a comfortable lifestyle.
Healthcare is another standout: Spain ranks ninth on the 2025 Health Care Index, well ahead of many other popular retirement destinations, offering high-quality medical care at a fraction of the cost of private systems elsewhere.
Taxes: Not as daunting as they seem
Spain’s worldwide taxation system means retirees need to plan carefully. But Forbes reports many find the tax rates worth it thanks to benefits like inheritance allowances, property tax advantages, access to quality healthcare, and exemptions for those over 65.
Retirement dreams require paperwork.
The first thing to do according to experts is to start by researching the residency requirements for moving to Spain. If your pensions meet the financial threshold, start gathering documents, request an FBI report, and get the required apostille. After that, get your doctor in the US to write a letter confirming you have no infectious diseases and get Spanish health insurance. Scarbrough explained.
Keep printed copies of bank statements, get your passport photos, fill in the forms, and pay all your fees online. Finally, get everything translated into Spanish by a sworn translator.
Try before you buy: Flexible visas offer a taste of life abroad.
For retirees not planning to work or study, Spain’s non-lucrative visa is a popular choice, allowing people to live comfortably on retirement income. Visitor visas, which can last up to nine months, also give future expats a chance to try living in Spain before committing to a permanent move.
Why Spain is one of the safest countries in Europe for American retirees
Safety is another draw. Spain boasts low crime rates compared to many other countries, though Global Citizen Solutions notes that petty theft can occur in busy tourist spots.
Safety is a major draw for retirees considering Spain. The country boasts one of the lowest homicide rates in Europe at around 0.7 per 100,000 people, according to Eurostat and Spain’s Ministry of the Interior, placing it well ahead of popular retirement destinations like the United States,
which had a homicide rate of approximately 5.7 per 100,000 in 2023, as reported by the FBI Crime Data Explorer. A new Council on Criminal Justice report does show most violent and property crimes in 40 US cities fell in 2024 compared to 2023, with homicides down 16% and motor vehicle thefts down 24%. However, crime is still a major issue, and US homicide rates remain high compared to other developed countries.
Spain’s violent crime rates are among Europe’s lowest, with petty theft the main concern in tourist hotspots
Spain’s overall crime rate is comparable to or lower than many Western countries, with violent crime particularly rare outside isolated incidents. While petty theft — such as pickpocketing in busy tourist areas like Barcelona and Madrid — remains the most common crime, these are typically non-violent offenses. Spain’s violent crime levels remain among the lowest in Europe, comparable to other popular retirement destinations like Portugal and Italy, while petty theft in tourist areas remains the most common concern.
For thousands of Americans, Spain isn’t just a destination; it’s a chance to embrace a rewarding new chapter.
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