Spain offers an incredible quality of life with its warm climate, rich culture, and affordable living costs compared to Northern Europe. But what salary do you actually need to live comfortably? Let's break it down by city.
Barcelona: The Expat Favorite
Barcelona is Spain's most popular destination for expats, but it's also the most expensive. Here's what you need:[?]
- Comfortable single living: €2,500 - €3,000 net/month
- Couple without kids: €3,500 - €4,500 net/month
- Family with children: €4,500 - €6,000 net/month
This translates to gross salaries of approximately €40,000 - €45,000 for singles, €55,000 - €70,000 for couples, and €70,000+ for families.
Madrid: The Capital
Madrid offers similar costs to Barcelona with more job opportunities in traditional industries:[?]
- Comfortable single living: €2,300 - €2,800 net/month
- Couple without kids: €3,200 - €4,000 net/month
- Family with children: €4,200 - €5,500 net/month
Valencia: The Sweet Spot
Valencia offers the best balance of quality of life and affordability:[?]
- Comfortable single living: €1,800 - €2,200 net/month
- Couple without kids: €2,500 - €3,200 net/month
- Family with children: €3,500 - €4,500 net/month
Spanish Taxes Explained
Spain uses a progressive tax system. Here's what to expect:[?]
- Up to €12,450: 19%
- €12,450 - €20,200: 24%
- €20,200 - €35,200: 30%
- €35,200 - €60,000: 37%
- Above €60,000: 45%
Plus, social security contributions of about 6.35% of your salary (capped).[?]
The Beckham Law
Good news for expats! Spain's "Beckham Law" allows qualifying foreign workers to pay a flat 24% tax rate for 6 years, regardless of income. To qualify:[?]
- You haven't been a Spanish tax resident in the past 10 years
- You're moving to Spain for work
- You apply within 6 months of starting work
Hidden Costs to Consider
- Private health insurance: €50 - €150/month (many expats opt for this)
- Air conditioning: Essential in summer, adds €50 - €100/month to electricity
- NIE and visa fees: One-time costs of €100 - €500
See what you can afford
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