Moving to Spain: The American's Guide (2026)
Spain is the #1 EU destination for Americans — it issued more first residence permits to US citizens than any other EU country in 2024. This hub gathers our source-checked 2026 guides on Spain's visas, cost of living and taxes, so you can plan the move in the right order.
Can Americans move to Spain?
Yes. Remote workers use the Digital Nomad Visa (about €2,849/month), and people living on passive income use the Non-Lucrative Visa (about €2,400/month, no work allowed). Both require private Spanish health insurance and lead to permanent residency after five years.
What does it cost, and how are you taxed?
Living in Madrid costs roughly €2,185/month all-in for one person (Valencia is cheaper at ~€1,934). On tax, employees — including Digital Nomad Visa holders — can use the Beckham Law for a flat 24% on Spanish income, while standard residents pay progressive IRPF up to ~47%.
Which Spain visa fits you?
The two routes Americans use, side by side — 2026 figures; the income bar is tied to Spain's SMI and published in the BOE:
| Visa | Income required /mo | Best for |
|---|---|---|
| Digital Nomad Visa | ≈ €2,849 | Remote workers (Beckham 24% tax option) |
| Non-Lucrative Visa | ≈ €2,400 | Retirees / passive income (no work) |
Before you go, check the US State Department's Spain country information for entry and safety updates.
Our Spain guides
Insurance that meets the Spanish visa rules
Both the Digital Nomad and Non-Lucrative visas require private health cover with no copay or waiting period. Compare a compliant expat plan and check the certificate qualifies before you file.
Compare SafetyWing cover →Disclosure: affiliate link — we may earn a commission at no extra cost to you. See our affiliate disclosure. Spain's insurance rules are strict — always confirm a plan qualifies (no copay, no waiting period).