Living in Madrid
Spain's capital and largest city, its main jobs, services and international-school hub, with the country's best transport and delivery infrastructure. A hot-summer continental climate (very dry, hot Jun–Aug; pleasant spring and autumn) and some of Spain's highest rents, driven up sharply in recent years.
Verified
At a glance
The headline numbers for Madrid — each with its own source and freshness. A live official figure is not the same as a survey estimate or a 30-year climate normal.
What the tags meanofficial — live figure from a government or authorityopen data — open dataset (Eurostat, EEA, M-Lab, UdSC…)survey — survey or index estimatecurated — SettleMetric-assembled estimate — open the source for the method
Cost of living
i
INE — Encuesta de Presupuestos Familiares 2024 (household budget survey), rent stripped
Curated by SettleMetric
- Data as of
- Dec 31, 2024
- Verified
- Jul 4, 2026
- Method
- INE EPF 2024 average household spending by COICOP group (total €34,044/hh). Housing group €11,029 reduced to utilities only (imputed rent €9,299 removed), leaving a non-rent basket of €24,746/hh. Divided by average household size 2.50 (€34,044 ÷ €13,626 per-person) → €9,905/person/yr = €825/mo; converted at EUR/USD 1.1399 (ECB 2026-07-02) → $941/mo. Cross-checked against Eurostat comparative price levels (Spain ≈ 92% of EU27; ≈ 1.28× Poland, whose figure is $753).
- Notes
- National per-capita non-rent basket. A person living alone typically spends somewhat more per head (fixed costs not shared) — this figure is the reproducible household-survey floor. City files (Madrid/Barcelona) run higher; Valencia/smaller cities lower.
$941/mo
2024curated
Rent, 1–3 bed
i
Idealista rental price report — Madrid municipio and districts, June 2026
Curated by SettleMetric
- Data as of
- Jun 30, 2026
- Verified
- Jul 4, 2026
- Method
- Idealista city asking rent 23.7 €/m²/month (June 2026) × typical floor areas (studio 38, 1br 52, 2br 72, 3br 95 m²), split into center vs outside using Idealista district €/m² multipliers (central Centro 31.1 €/m² ⇒ ×1.31; outer/cheaper districts ≈17.6 €/m² Villaverde ⇒ ×0.74), converted at 1.1399 USD/EUR (fx-rates.json, ECB 2026-07-02).
- Notes
- DERIVED cells. Directly observed: the Idealista city-wide €/m² and per-district €/m². Per-apartment rents and the center/outside split are computed (city €/m² × floor area × district multiplier) because Idealista publishes €/m², not per-type × location rents. Center = central districts (Centro/Salamanca band ≈31 €/m²); outside = outer/cheaper districts (Villaverde/Moratalaz/Vicálvaro band ≈16.5–17.6 €/m²). A rival big-data source (Brains RE) put the Q1-2026 city average higher at 31.1 €/m² on a different methodology; Idealista asking prices are used here for consistency with the criterion's preferred source.
$1,043–$3,368
/mo
2026curated
Freelancer tax
i
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 4, 2026
- Method
- Best realistically-eligible scheme for a solo IT freelancer = es-autonomo-estimacion-directa at €60,000 revenue with 10% (€6,000) expenses. RETA cuota tramo 14 (base 1,732.03 × 31.5%) = 6,547.08/yr; difícil-justificación 2,000 (notional); IRPF base 39,902.92 (after mínimo personal 5,550) → 10,465.58. Total levies 17,012.66 / 60,000 = 28.4%. The Beckham regime (flat 24%) is NOT open to ordinary freelancers, only to eligible employed/relocated impatriates — see es-beckham-impatriate.
28.4%
2026curated
Safety
i
Eurostat — police-recorded intentional homicide (ICCS 0101, per 100k)
Open data
- Data as of
- Dec 31, 2024
- Verified
- Jul 4, 2026
- Notes
- Latest year 2024 = 0.72 per 100k (2023: 0.69; 2022: 0.69). Spain is among the safer EU countries for intentional homicide.
0.72/100k
2024open data
Air quality
i
Official source
- Data as of
- Dec 31, 2024
- Verified
- Jul 4, 2026
- Method
- 2024 annual mean averaged across the Ayuntamiento de Madrid municipal stations measuring PM2.5 (Media RED = 9 µg/m³; station range 6 µg/m³ Casa de Campo to 10 µg/m³ Escuelas Aguirre / Castellana / Plaza Elíptica). Underlying data are the official municipal network (airedemadrid.madrid.es); the Ecologistas report tabulates them. EEA European city air quality viewer is the criterion's preferred cross-reference but its per-city value is only available in the interactive viewer.
- Notes
- About the WHO 2021 guideline territory but still above it (guideline 5 µg/m³); at/under the 2030 EU annual limit value (10 µg/m³) and well under the current EU limit (25). PM2.5 in Madrid has fallen over the 2010–2024 series.
9 µg/m³
2024official
Internet
i
M-Lab NDT country aggregates for Spain
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 4, 2026
- Method
- Median of 344 daily country medians, 9,298,577 tests (2023 — latest full year in M-Lab's public stats API; 2024 file is partial at 86 days with a similar 52.5 Mbps median).
- Notes
- M-Lab NDT is single-stream and reads well below Ookla-style figures — comparable only within this criterion. Spain has extensive FTTH coverage; real advertised fibre speeds are far higher than this test-based median.
50 Mbps
2023open data
English
i
EF EPI 2025 (Spain rank 36/123, score 540 — Moderate band)
Research
- Data as of
- Nov 1, 2025
- Verified
- Jul 4, 2026
- Notes
- Own band informed by EF EPI 2025 (attribution: EF Education First; Spain score 540, Moderate band, weakest in speaking 462). English is workable in tourist/hospitality zones and among younger urban professionals, but limited in government offices, healthcare, and everyday services outside big cities — a moderate rating for daily life.
Moderate
2025survey
Private health
i
Curated by SettleMetric
- Data as of
- Jul 4, 2026
- Verified
- Jul 4, 2026
- Method
- Comprehensive Spanish private health policies (póliza de salud) include outpatient AND hospitalization/inpatient by default. For a healthy 35-year-old, full-cover plans run ≈ €45–52/mo with modest copays and ≈ €65–90/mo copay-free (Sanitas, Adeslas, DKV — 2026 published ranges). Comprehensive midpoint ≈ €60/mo ≈ €720/yr ≈ $821 at EUR/USD 1.1399 (range ≈ $615–$1,230/yr).
- Notes
- Residents in the contributory system have public healthcare (Sistema Nacional de Salud); private cover is optional and widely bought for speed/choice. Premiums are quoted on request and vary by province (Madrid/Barcelona highest) and copay structure, so this is a curated market midpoint on a comprehensive (outpatient+inpatient) basis, not a single public quote.
$821/yr
2026curated
Population 3,506,730 · Europe/Madrid · country-level facts (taxes, visas, crypto) inherited from Spain
What it costs you per month
A planning estimate: real asking rent plus a cost-of-living basket scaled to your household. Not a quote.
Household
Lifestyle
Location
Estimated total
$1,982/mo
≈ $23,784 / year
Where it goes
- Rent (1-bed)$1,043
- Food & non-alcoholic drinks$205
- Transport$147
- Restaurants & eating out$128
- Utilities (water, electricity, gas)$66
- Recreation & culture$64
- Clothing & footwear$54
- Health (out-of-pocket)$52
- Household goods$48
- Insurance & financial services$48
- Personal care & misc.$47
- Communications$42
- Education$21
- Alcohol & tobacco$17
- Living costs$939
Rent from the asking-rent matrix below. Living costs scale a one-person basket ($939/mo) by household size and lifestyle; the equivalence factors are our assumption. Schooling and one-off setup are excluded.
Cost of living
What a single person spends each month — food, utilities, transport, eating out and the rest — excluding rent.
i
INE — Encuesta de Presupuestos Familiares 2024 (household budget survey)
Curated by SettleMetric
- Data as of
- Dec 31, 2024
- Verified
- Jul 4, 2026
- Method
- INE EPF 2024 per-household COICOP category spending, rent removed (imputed rent €9,299 stripped from the housing group, utilities kept), divided by average household size 2.50 to a per-capita non-rent basket, converted at EUR/USD 1.1399. Categories sum to the ~$941/mo cost-of-living aggregate. National per-capita basis — living alone in Madrid/Barcelona runs higher.
Food & non-alcoholic drinks205 USD
Transport147 USD
Restaurants & eating out128 USD
Utilities (water, electricity, gas)66 USD
Recreation & culture64 USD
Clothing & footwear54 USD
Health (out-of-pocket)52 USD
Household goods48 USD
Insurance & financial services48 USD
Personal care & misc.47 USD
Communications42 USD
Education21 USD
Alcohol & tobacco17 USD
Spain's household-budget basket for a single person, excluding rent. Non-rent costs vary little between cities — the city-specific part is rent, shown under Housing below.
| Criterion | Value | Score |
|---|---|---|
| Cost of living (single, excl. rent)country-level | 941USD/month, single person, excluding rentiINE — Encuesta de Presupuestos Familiares 2024 (household budget survey), rent stripped Curated by SettleMetric
| 7.8 |
Housing
What it costs to rent, by apartment type and location.
i
Idealista rental price report — Madrid municipio and districts, June 2026
Curated by SettleMetric
- Data as of
- Jun 30, 2026
- Verified
- Jul 4, 2026
- Method
- Idealista city asking rent 23.7 €/m²/month (June 2026) × typical floor areas (studio 38, 1br 52, 2br 72, 3br 95 m²), split into center vs outside using Idealista district €/m² multipliers (central Centro 31.1 €/m² ⇒ ×1.31; outer/cheaper districts ≈17.6 €/m² Villaverde ⇒ ×0.74), converted at 1.1399 USD/EUR (fx-rates.json, ECB 2026-07-02).
- Notes
- DERIVED cells. Directly observed: the Idealista city-wide €/m² and per-district €/m². Per-apartment rents and the center/outside split are computed (city €/m² × floor area × district multiplier) because Idealista publishes €/m², not per-type × location rents. Center = central districts (Centro/Salamanca band ≈31 €/m²); outside = outer/cheaper districts (Villaverde/Moratalaz/Vicálvaro band ≈16.5–17.6 €/m²). A rival big-data source (Brains RE) put the Q1-2026 city average higher at 31.1 €/m² on a different methodology; Idealista asking prices are used here for consistency with the criterion's preferred source.
| Apartment | Central | Outside centre |
|---|---|---|
| Studio | 1,347 USD/mo | 762 USD/mo |
| 1-bedroom | 1,843 USD/mo | 1,043 USD/mo |
| 2-bedroom | 2,552 USD/mo | 1,444 USD/mo |
| 3-bedroom | 3,368 USD/mo | 1,906 USD/mo |
DERIVED cells. Directly observed: the Idealista city-wide €/m² and per-district €/m². Per-apartment rents and the center/outside split are computed (city €/m² × floor area × district multiplier) because Idealista publishes €/m², not per-type × location rents. Center = central districts (Centro/Salamanca band ≈31 €/m²); outside = outer/cheaper districts (Villaverde/Moratalaz/Vicálvaro band ≈16.5–17.6 €/m²). A rival big-data source (Brains RE) put the Q1-2026 city average higher at 31.1 €/m² on a different methodology; Idealista asking prices are used here for consistency with the criterion's preferred source.
Climate
Temperature and rainfall through the year, plus air quality.
i
NOAA/WMO Climatological Standard Normals 1991–2020 — Madrid, Retiro (WMO 08222)
Open data
- Data as of
- Dec 31, 2020
- Verified
- Jul 4, 2026
- Method
- WMO 1991–2020 station normals, NCEI accession 0253808 (public domain). CSV parameter codes: 3 = mean daily max temperature (tMax), 4 = mean daily min temperature (tMin), 1 = mean monthly precipitation total (precipMm). Madrid-Retiro is AEMET's canonical central-Madrid urban station (elev. 667 m).
Average day/night temperature (lines, left axis) and total rainfall (bars, right axis) for each month — 1991–2020 normals. Hover a month for exact figures.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Daytime high °C | 10.2° | 12.3° | 16.4° | 19.1° | 23.5° | 29.4° | 33.3° | 32.6° | 26.9° | 20.0° | 13.7° | 10.4° |
| Nighttime low °C | 3.0° | 3.7° | 6.3° | 8.2° | 11.9° | 16.5° | 19.5° | 19.3° | 15.5° | 11.1° | 6.4° | 3.7° |
| Rainfall mm | 32 | 34 | 35 | 46 | 48 | 20 | 9 | 10 | 24 | 64 | 52 | 42 |
| Criterion | Value | Score |
|---|---|---|
| Climate comfort | 5pleasant months/yeariSettleMetric computation over climate-normals Curated by SettleMetric
| 5.0 |
| Air quality (PM2.5) | 9µg/m³, annual mean PM2.5iOfficial source
| 8.4 |
Safety
How safe daily life is, from official crime statistics.
| Criterion | Value | Score |
|---|---|---|
| Homicide ratecountry-level | 0.7intentional homicides per 100,000/yeariEurostat — police-recorded intentional homicide (ICCS 0101, per 100k) Open data
| 9.6 |
Infrastructure
Internet speed and how parcels get to your door.
| Criterion | Value | Score |
|---|---|---|
| Domestic delivery qualitycountry-level | GoodiCorreos official (network of delivery points, Citypaq lockers) + private carriers Curated by SettleMetric
| 7.0 |
| International delivery easecountry-level | Minor frictioniOfficial source
| 7.0 |
| Internet speedcountry-level | 50.4Mbps, median fixed downloadiM-Lab NDT country aggregates for Spain Open data
| 5.0 |
Healthcare
What comprehensive private medical cover costs.
| Criterion | Value | Score |
|---|---|---|
| Private healthcare costcountry-level | 821USD/year, comprehensive private insurance premium, healthy 35-year-oldiCurated by SettleMetric
| 9.1 |
Money & crypto
Crypto rules and how freely personal money moves.
| Criterion | Value | Score |
|---|---|---|
| Crypto regulationcountry-level | Legal regulatediOfficial source
| 8.0 |
| Financial control levelcountry-level | LowiAgencia Tributaria — límite de pagos en efectivo (Ley 11/2021); eurozone member, no capital controls Curated by SettleMetric
| 10.0 |
Language
How far English gets you in daily life and services.
| Criterion | Value | Score |
|---|---|---|
| English proficiencycountry-level | ModerateiEF EPI 2025 (Spain rank 36/123, score 540 — Moderate band) Research
| 5.0 |
Education
International schooling options for families.
| Criterion | Value | Score |
|---|---|---|
| International schools | 33accredited international schools, countiCurated by SettleMetric
| 10.0 |
Demographics
Who else lives here — the share of foreign residents and the largest national communities, from official statistics.
i
INE — Censo Anual de Población / Estadística Continua de Población, 1 Jan 2025
Official source
- Data as of
- Jan 1, 2025
- Verified
- Jul 4, 2026
- Notes
- 6,911,971 foreign nationals of 49,128,297 residents = 14.1% (INE, 1 Jan 2025). Basis = foreign citizenship on the population register (padrón), which captures registered residents including most long-term migrants. 19.3% of residents are foreign-born (higher, includes naturalized citizens).
Largest communities of foreign residents6,911,971 total
i
INE — Censo Anual de Población, foreign population by nationality, 1 Jan 2025
Official source
- Data as of
- Jan 1, 2025
- Verified
- Jul 4, 2026
- Method
- INE 1 Jan 2025 foreign-population-by-nationality counts; shares = count ÷ 6,911,971 total foreign nationals. Top 10 shown; the register covers many more nationalities.
- Notes
- Latin American (Colombia, Venezuela, Peru, Honduras, Ecuador) and Moroccan communities dominate, plus large Romanian and Italian EU groups. Ukrainians (177,929) include temporary-protection beneficiaries registered in the padrón.
Morocco14%968,999
Colombia9.8%676,534
Romania8.8%609,270
Italy5.5%377,809
Venezuela5%345,777
United Kingdom3.9%266,462
China3.4%238,372
Peru2.9%202,105
Ukraine2.6%177,929
Honduras2.1%148,585
Latin American (Colombia, Venezuela, Peru, Honduras, Ecuador) and Moroccan communities dominate, plus large Romanian and Italian EU groups. Ukrainians (177,929) include temporary-protection beneficiaries registered in the padrón.
How you can stay
All requirements & citizenship filterHow you can legally enter and stay. These apply across Spain.
- International teleworking authorization (digital nomad visa)Digital nomad visaAll except EU citizensincome ≥ 2,849 EUR/monthNon-EU national working remotely for companies outside Spain; work for Spanish-based firms may not exceed 20% of total professional activity1 yr +→ PR path
- Residence and work authorization — self-employment (cuenta propia)Freelance permitAll except EU citizensincome ≥ 600 EUR/monthBusiness plan validated with a positive viability report from a recognized self-employed workers' association (ATA, UPTA, CIAE, etc.)1 yr +→ PR path
- Non-lucrative residence visa (passive income)Temporary residenceAll except EU citizensincome ≥ 28,800 EUR/yearProve passive income or sufficient savings ≥ 400% IPREM (pension, rents, dividends, savings) — NOT from working in Spain1 yr +→ PR path
- EU Blue Card (highly-qualified employment)Temporary residenceAll except EU citizensincome ≥ 33,000 EUR/yearBinding job offer / employment contract with a Spanish employer in a highly-qualified role3 yrs +→ PR path
- EU/EEA citizens — registration of residenceSpecial programEU citizensNo visa or permit needed; full labour-market access and self-employment on the same terms as Spanish nationals10 yrs +→ PR path
- Visa-free stay (Schengen 90/180)Visa-free stayUS citizens, UK citizens, Ukrainian citizensPassport of an EU visa-exempt (Annex II) country; for Ukraine and other Eastern Partnership states: biometric passports only3 mo
What you'd pay in taxes
Full schemes & calculatorThe tax schemes a freelancer can choose from. Rules are national, the same in Madrid as anywhere in Spain.
- Beckham regime — special impatriate tax (flat 24%)progressive on revenue: 24% up to 600,000, 47% above24.0% burden at €60k
- Autónomo — estimación directa simplificada (RETA + IRPF)fixed per month by annual profit: 205.88 up to 8,040; 226.47 up to 10,800; 267.65 up to 14,000; 299.56 up to 15,600; 302.65 up to 18,000; 302.65 up to 20,400; 360.29 up to 22,200; 380.88 up to 24,360; 401.47 up to 27,960; 427.21 up to 33,120; 452.94 up to 38,280; 478.68 up to 43,440; 504.41 up to 48,600; 545.59 up to 72,000; 607.35 above + 5% of profit32.1% burden at €60k
See what you would keep
Your income against Spain's real tax schemes — the same engine as the full calculator.
- 1 Beckham regime — special impatriate tax (flat 24%)45,600 EURnet/year24.0% burden
- 2 Autónomo — estimación directa simplificada (RETA + IRPF)40,767 EURnet/year32.1% burden
Who is Madrid for?
The same place reads differently depending on why you move. Each lens pulls the facts that matter most for that plan — with sources, and the trade-offs stated plainly.
Contract or freelance in tech, billing clients abroad.
Works in your favour
Cost of living (single, excl. rent)$941/mo
i
INE — Encuesta de Presupuestos Familiares 2024 (household budget survey), rent stripped
Curated by SettleMetric
- Data as of
- Dec 31, 2024
- Verified
- Jul 4, 2026
- Method
- INE EPF 2024 average household spending by COICOP group (total €34,044/hh). Housing group €11,029 reduced to utilities only (imputed rent €9,299 removed), leaving a non-rent basket of €24,746/hh. Divided by average household size 2.50 (€34,044 ÷ €13,626 per-person) → €9,905/person/yr = €825/mo; converted at EUR/USD 1.1399 (ECB 2026-07-02) → $941/mo. Cross-checked against Eurostat comparative price levels (Spain ≈ 92% of EU27; ≈ 1.28× Poland, whose figure is $753).
- Notes
- National per-capita non-rent basket. A person living alone typically spends somewhat more per head (fixed costs not shared) — this figure is the reproducible household-survey floor. City files (Madrid/Barcelona) run higher; Valencia/smaller cities lower.
Domestic delivery qualityGood
i
Correos official (network of delivery points, Citypaq lockers) + private carriers
Curated by SettleMetric
- Data as of
- Dec 31, 2025
- Verified
- Jul 4, 2026
- Method
- Correos ~13,000 attention/pickup points (2,380 offices + rural points + 2,115+ Citypaq lockers, plus new Punto Correos convenience points, end-2025); SEUR, MRW, GLS, DHL, UPS, Correos Express operate nationwide with tracking; 24–48h delivery standard in cities. Locker density lower than the most locker-dense EU markets, so classified 'good' rather than 'excellent'.
- Notes
- Reliable, tracked 1–3 day domestic delivery with a growing parcel-locker network (Citypaq); to-door and PUDO pickup both common.
Watch-outs
Freelancer tax burden28.4%
i
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 4, 2026
- Method
- Best realistically-eligible scheme for a solo IT freelancer = es-autonomo-estimacion-directa at €60,000 revenue with 10% (€6,000) expenses. RETA cuota tramo 14 (base 1,732.03 × 31.5%) = 6,547.08/yr; difícil-justificación 2,000 (notional); IRPF base 39,902.92 (after mínimo personal 5,550) → 10,465.58. Total levies 17,012.66 / 60,000 = 28.4%. The Beckham regime (flat 24%) is NOT open to ordinary freelancers, only to eligible employed/relocated impatriates — see es-beckham-impatriate.
Internet speed50 Mbps
i
M-Lab NDT country aggregates for Spain
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 4, 2026
- Method
- Median of 344 daily country medians, 9,298,577 tests (2023 — latest full year in M-Lab's public stats API; 2024 file is partial at 86 days with a similar 52.5 Mbps median).
- Notes
- M-Lab NDT is single-stream and reads well below Ookla-style figures — comparable only within this criterion. Spain has extensive FTTH coverage; real advertised fibre speeds are far higher than this test-based median.
English proficiencyModerate
i
EF EPI 2025 (Spain rank 36/123, score 540 — Moderate band)
Research
- Data as of
- Nov 1, 2025
- Verified
- Jul 4, 2026
- Notes
- Own band informed by EF EPI 2025 (attribution: EF Education First; Spain score 540, Moderate band, weakest in speaking 462). English is workable in tourist/hospitality zones and among younger urban professionals, but limited in government offices, healthcare, and everyday services outside big cities — a moderate rating for daily life.
Relocating with a partner and school-age children.
Works in your favour
International schools33
i
Curated by SettleMetric
- Data as of
- Jul 4, 2026
- Verified
- Jul 4, 2026
- Method
- Count of IB-curriculum (IB World / candidate) schools in the Madrid metro area (33). Named accreditor-verified schools beyond the IB set also exist and are NOT added here to avoid double-counting: AEFE-homologated French schools (Lycée Français de Madrid + annexe Saint-Exupéry, Lycée Français International Molière, École Saint-Louis des Français, Union Chrétienne de Saint-Chaumond — 4 establishments), the German Auslandsschulwesen 'Exzellente Deutsche Auslandsschule' Deutsche Schule Madrid, the US-accredited American School of Madrid, and COBIS/NABSS British schools (King's College — COBIS founding member, Runnymede College, Hastings School).
- Notes
- ±3 uncertainty: the IB directory could not be fetched directly (ibo.org returns 403 to the fetch tool), so the IB count is taken from the International Schools Database IB filter, which mirrors the IB 'Find an IB World School' registry, and may include a few candidate schools. Regardless of the exact figure, Madrid is far above the top scoring anchor (25 schools → 10): counting the additional AEFE/German/US/COBIS-accredited schools listed in method would raise the total further. Metro-area basis (includes La Moraleja/Pozuelo/Alcobendas belt where most international schools sit), not municipality-only.
Homicide rate0.72/100k
i
Eurostat — police-recorded intentional homicide (ICCS 0101, per 100k)
Open data
- Data as of
- Dec 31, 2024
- Verified
- Jul 4, 2026
- Notes
- Latest year 2024 = 0.72 per 100k (2023: 0.69; 2022: 0.69). Spain is among the safer EU countries for intentional homicide.
Private healthcare cost$821/yr
i
Curated by SettleMetric
- Data as of
- Jul 4, 2026
- Verified
- Jul 4, 2026
- Method
- Comprehensive Spanish private health policies (póliza de salud) include outpatient AND hospitalization/inpatient by default. For a healthy 35-year-old, full-cover plans run ≈ €45–52/mo with modest copays and ≈ €65–90/mo copay-free (Sanitas, Adeslas, DKV — 2026 published ranges). Comprehensive midpoint ≈ €60/mo ≈ €720/yr ≈ $821 at EUR/USD 1.1399 (range ≈ $615–$1,230/yr).
- Notes
- Residents in the contributory system have public healthcare (Sistema Nacional de Salud); private cover is optional and widely bought for speed/choice. Premiums are quoted on request and vary by province (Madrid/Barcelona highest) and copay structure, so this is a curated market midpoint on a comprehensive (outpatient+inpatient) basis, not a single public quote.
Air quality (PM2.5)9 µg/m³
i
Official source
- Data as of
- Dec 31, 2024
- Verified
- Jul 4, 2026
- Method
- 2024 annual mean averaged across the Ayuntamiento de Madrid municipal stations measuring PM2.5 (Media RED = 9 µg/m³; station range 6 µg/m³ Casa de Campo to 10 µg/m³ Escuelas Aguirre / Castellana / Plaza Elíptica). Underlying data are the official municipal network (airedemadrid.madrid.es); the Ecologistas report tabulates them. EEA European city air quality viewer is the criterion's preferred cross-reference but its per-city value is only available in the interactive viewer.
- Notes
- About the WHO 2021 guideline territory but still above it (guideline 5 µg/m³); at/under the 2030 EU annual limit value (10 µg/m³) and well under the current EU limit (25). PM2.5 in Madrid has fallen over the 2010–2024 series.
Optimising tax, banking and crypto rules.
Works in your favour
Crypto regulationLegal regulated
i
Official source
- Data as of
- Jul 1, 2026
- Verified
- Jul 4, 2026
- Notes
- Holding/trading legal for individuals. Gains on disposal (to fiat OR crypto-to-crypto swaps, which ARE taxable, unlike Poland) are savings income (renta del ahorro) taxed 19–30% under IRPF; FIFO applies. EU MiCA fully applicable in Spain from 1 July 2026 (CASPs licensed/supervised by CNMV and Banco de España); DAC8 reporting from 2026. Buying with fiat is not a taxable event.
Financial control levelLow
i
Agencia Tributaria — límite de pagos en efectivo (Ley 11/2021); eurozone member, no capital controls
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 4, 2026
- Method
- Composite: eurozone member, euro fully convertible, no currency/capital controls (free EU capital movement). Cash-payment limit €1,000 per transaction when a party acts as business/professional (Ley 11/2021), €10,000 for non-resident private individuals. Standard EU CRS/DAC bank reporting and DAC8 for crypto; Modelo 720 declaration of foreign assets >€50,000 exists (informational). No exchange restrictions on personal funds; non-residents can open bank accounts (NIE required).
- Notes
- Modelo 720 foreign-asset reporting (>€50,000) is an information duty; EU Court struck down its disproportionate penalty regime in 2022, penalties since aligned to general rules. Overall personal money movement is free (low control) by the criterion's definition.
Watch-outs
Freelancer tax burden28.4%
i
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 4, 2026
- Method
- Best realistically-eligible scheme for a solo IT freelancer = es-autonomo-estimacion-directa at €60,000 revenue with 10% (€6,000) expenses. RETA cuota tramo 14 (base 1,732.03 × 31.5%) = 6,547.08/yr; difícil-justificación 2,000 (notional); IRPF base 39,902.92 (after mínimo personal 5,550) → 10,465.58. Total levies 17,012.66 / 60,000 = 28.4%. The Beckham regime (flat 24%) is NOT open to ordinary freelancers, only to eligible employed/relocated impatriates — see es-beckham-impatriate.
Prioritising safety, air, and an easy daily life.
Works in your favour
Homicide rate0.72/100k
i
Eurostat — police-recorded intentional homicide (ICCS 0101, per 100k)
Open data
- Data as of
- Dec 31, 2024
- Verified
- Jul 4, 2026
- Notes
- Latest year 2024 = 0.72 per 100k (2023: 0.69; 2022: 0.69). Spain is among the safer EU countries for intentional homicide.
Air quality (PM2.5)9 µg/m³
i
Official source
- Data as of
- Dec 31, 2024
- Verified
- Jul 4, 2026
- Method
- 2024 annual mean averaged across the Ayuntamiento de Madrid municipal stations measuring PM2.5 (Media RED = 9 µg/m³; station range 6 µg/m³ Casa de Campo to 10 µg/m³ Escuelas Aguirre / Castellana / Plaza Elíptica). Underlying data are the official municipal network (airedemadrid.madrid.es); the Ecologistas report tabulates them. EEA European city air quality viewer is the criterion's preferred cross-reference but its per-city value is only available in the interactive viewer.
- Notes
- About the WHO 2021 guideline territory but still above it (guideline 5 µg/m³); at/under the 2030 EU annual limit value (10 µg/m³) and well under the current EU limit (25). PM2.5 in Madrid has fallen over the 2010–2024 series.
Cost of living (single, excl. rent)$941/mo
i
INE — Encuesta de Presupuestos Familiares 2024 (household budget survey), rent stripped
Curated by SettleMetric
- Data as of
- Dec 31, 2024
- Verified
- Jul 4, 2026
- Method
- INE EPF 2024 average household spending by COICOP group (total €34,044/hh). Housing group €11,029 reduced to utilities only (imputed rent €9,299 removed), leaving a non-rent basket of €24,746/hh. Divided by average household size 2.50 (€34,044 ÷ €13,626 per-person) → €9,905/person/yr = €825/mo; converted at EUR/USD 1.1399 (ECB 2026-07-02) → $941/mo. Cross-checked against Eurostat comparative price levels (Spain ≈ 92% of EU27; ≈ 1.28× Poland, whose figure is $753).
- Notes
- National per-capita non-rent basket. A person living alone typically spends somewhat more per head (fixed costs not shared) — this figure is the reproducible household-survey floor. City files (Madrid/Barcelona) run higher; Valencia/smaller cities lower.
Watch-outs
Climate comfort5/12 mo
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SettleMetric computation over climate-normals
Curated by SettleMetric
- Data as of
- Dec 31, 2020
- Verified
- Jul 4, 2026
- Method
- Months with mean daily max 15–28°C and precipitation < 150mm: Mar (16.4), Apr (19.1), May (23.5), Sep (26.9), Oct (20.0) = 5. Jun–Aug excluded (tMax 29.4/33.3/32.6°C > 28°C, Madrid's hot dry summer); Jan/Feb/Nov/Dec excluded (tMax < 15°C).
Compare Madrid
Full country picture: Spain overview