Editorial transparency and use of artificial intelligence
This article forms part of the CostaLuz Lawyers blog and is published for general informational and educational purposes only. It was prepared with the assistance of artificial intelligence tools and, before publication, was substantively reviewed and editorially approved by Maria de Castro, a Spanish-qualified lawyer registered with the Cádiz Bar Association under number 2745, founder of CostaLuz Lawyers and the person responsible for the editorial review of the published content.
This article does not constitute legal, tax, immigration, employment, estate-planning or investment advice and does not replace an individual assessment and the professional work of the appropriate CostaLuz Lawyers specialist. No action or omission should be based solely on this information.
Spain continues to attract a growing number of U.S. nationals looking for a higher quality of life, excellent and affordable healthcare, and a more relaxed, fulfilling lifestyle. Whether you’re preparing for retirement or planning a career break, the Non-Lucrative Visa (NLV) is one of the most accessible and attractive legal pathways to live in Spain without employment obligations.
At CostaLuz Lawyers, we have assisted many Americans in making a smooth transition to life in Spain — and today, more than 80% of our immigration clients are U.S. nationals. Most of them choose the Non-Lucrative Visa, whether they’re enjoying retirement or taking time to reassess their next life chapter.
What is the Non-Lucrative Visa?
The NLV is a residence permit that allows you to live in Spain without working or earning a salary anywhere in the world during your stay. It is designed for individuals who can support themselves financially without engaging in any professional activity. While employment income is not permitted, the visa does allow income from passive sources, such as:
- Dividends from investments
- Pension payments
- Rental income from real estate
- Savings and other recurring passive income
This visa is initially granted for one year and can be renewed for longer periods. After five years of legal residence, applicants may qualify for permanent residency in Spain.
Who is it for?
1. Retirees
Spain offers a peaceful, affordable, and culturally rich retirement destination. With world-class healthcare, warm communities, and a low cost of living, many U.S. retirees find Spain to be the perfect place to enjoy their later years.
The NLV is ideal for those who receive U.S. Social Security, private pensions, or investment income and want to live in Spain without working.
[Wills & International Estate Planning page] and [Property Purchase/Conveyancing page])
2. Professionals Taking a Sabbatical
Whether you’re taking a break after a corporate career, exploring a life change, or spending time abroad for personal growth, the NLV allows you to live in Spain legally while you reflect on your next steps — without the pressure of needing to work or enroll in a specific program.
It’s also a great option for families who want to experience life abroad together for a year or more.
Main requirements for U.S. nationals
- Proof of sufficient passive income or savings (for 2025, approx. €30,000/year for the main applicant, plus €7,200 per dependent).
- Private health insurance with full coverage in Spain (no copays).
- Clean criminal record certificates from the last 5 years, duly legalized/apostilled + sworn Spanish translation.
- Residence in a U.S. jurisdiction covered by a Spanish consulate (each consulate has its own procedures).
- Completed and translated documents as required.
- Not being in an irregular immigration situation in Spain or any other EU country.
(How to keep U.S. Medicare coverage and how Spanish residence affects U.S. tax filing.)
Our Process: Simple, Personal, Effective
- Initial consultation – We assess your eligibility and clarify your best options.
- Documentation & strategy – You receive a clear, tailored checklist and support with translations, formatting, and timelines.
- Application & consulate coordination – We prepare and submit your application, track the progress, and book your appointments.
- Support after arrival – We help with address registration, NIE/TIE appointments, healthcare access, renewals, and more.
- Tax guidance – We also provide cross-border tax advice, helping you understand your obligations and optimize your situation between Spain and the U.S.
(International Estate Planning / Wills and “Lasting Power of Attorney”)
Why Work With Us?
- Over 80% of our immigration clients are U.S. nationals.
- We have deep experience navigating both U.S. and Spanish systems.
- Our team offers personalized attention — responsive, friendly, and efficient.
- We go beyond visas: expert support with taxes, real estate purchases, healthcare, education, and long-term residency planning.
Other services for NLV applicants
- Property purchases / Conveyancing — Learn more
- Wills & International Estate Planning — Learn more
- Lasting Power of Attorney (PoA) — Learn more
Ready to Start?
Whether you’re seeking peace in retirement or inspiration during a sabbatical, we’ll help you make your move to Spain smooth and successful.
Contact us today for a free consultation and discover how the Non-Lucrative Visa can open the door to your new life in Spain.
Disclaimer: This information is provided for general guidance purposes only and does not constitute personalised tax or legal advice. Each case must be assessed individually according to the client’s specific circumstances. It is essential to consult a qualified specialist before taking any action or making any decision.
Legal Notice: The content on this page is provided for general informational and educational purposes only. It does not constitute legal advice and should not be relied upon as such. No action should be taken based solely on this content without first seeking independent professional legal counsel. Each case requires individual assessment based on its specific circumstances. CostaLuz Lawyers accepts no liability for actions taken or not taken based on this content.
Planning your residency in Spain?
We handle visas, residency and renewals end to end for foreign nationals. Bilingual help across southern Spain since 2006.
Hello,
My name Vladimir. I represent the US family (two spouses, no children) based in Florida who wants to receive NLV to live in SPAIN. They would like to rent a property in Spain. Could you help us in obtaining such type of visa? How much your services would cost for us.
We have received your email. Yes — we can assist your clients with Spain’s Non-Lucrative Visa (NLV) and also advise on the rental side in Spain. Our immigration specialist will contact you shortly with the next steps and a clear fee proposal based on your case.