Learn all you need to know about purchasing property in Spain – from locations and bureaucracy to tips and taxes – right here!
The most attractive properties and locations in the country.
Learn about the legal processes and what prices to expect.
Utilise Upscore’s Finance Passport to make the homebuying process feel effortless
See yourself chilling by the beach somewhere in Spain? Learn about the best locations in terms of property prices and what legal requirements you can expect in our expert guide.
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EU/EEA citizens just need to register with the local town hall. But any non‑EU nationals, Brits included, who plan on staying over 90 days need to get a long‑stay visa. This typically falls under the digital‑nomad or family‑reunification category. And don’t forget about private health cover and proof of income around €2,368 monthly (as of 2025) when you’re applying through your local embassy.
Costs vary by region. In 2025, a single person in somewhere like Valencia or Granada can live comfortably on €1,400 monthly, which includes rent and all your other bills. Madrid or Barcelona is somewhere closer to €2,200. Your food shopping and transport are affordable enough, but you’ll naturally start paying more when you consider electricity and private schooling.
Spain’s public healthcare system ranks highly worldwide. EU retirees use the S1 form or EHIC initially; workers contribute via payroll. Non‑EU residents have to hold private insurance until obtaining residency, then can join the Convenio Especial scheme for about €70-€100 monthly. But any emergency treatment you need will be universally available regardless of your status or insurance.
Purchasing gives you that long‑term stability but it will mean incurring a few taxes, from the 10% transfer tax and notary fees to and registry fees. This totals to roughly 12% of price, and transactions can take six to eight weeks. Renting is better in terms of flexibility, as you’ve got five‑year leases and capped annual increases. Most newcomers tend to rent first before buying once they’ve got a feel for the place.
Your pets will need: ISO microchips Rabies vaccinations administered at least 21 days before entry Either an EU Pet Passport or veterinary certificate issued within ten days of travel Dogs from certain countries require tapeworm treatment There are also crate specifications and fees with certain airlines
Secure a mortgage and finance your dream property with Upscore’s Spanish Finance Passport.
Upscore’s Finance Passport makes the application process effortless and gives you all the support you need to secure a mortgage in a foreign country.
