Finding a place to live in Spain as a Dutch or Belgian Citizen
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Finding a place to live in Spain as a Dutch or Belgian citizen
For many Dutch and Belgian citizens, the idea of living in Spain has long held a certain allure. Whether it’s the Mediterranean climate, the relaxed pace of life, or the promise of more affordable living, Spain offers a lifestyle that feels both exciting and familiar. But making the move—especially finding the right place to live—requires preparation and a solid understanding of the local housing market.
In this blog post, we’ll take you through the essentials: why Spain continues to be a popular destination, what you need to know about the housing market, the cultural differences in daily life, and the most popular regions for Dutch and Belgian expats. This guide is tailored to help you make confident, informed decisions.
Why more Dutch and Belgian citizens are moving to Spain
Over the past decade, Spain has become more than just a holiday destination. For an increasing number of Dutch and Belgian nationals, it represents a place to build a new chapter—sometimes temporary, often permanent. There are several compelling reasons behind this trend:
Quality of life
The climate alone is a major draw. With over 300 days of sunshine in many regions, the weather invites outdoor living and a healthier, more active lifestyle. Even winters are mild along much of the southern coast.
Daily life tends to be slower and more social. The Spanish way of life prioritizes personal time, family gatherings, and enjoying meals without rushing. This can be a welcome contrast to the more structured and efficiency-driven rhythm in northern Europe.
Healthcare and services
Spain has a highly regarded public healthcare system that ranks among the best in Europe. As an EU citizen, once you’re registered and working or receiving a pension, you can access public healthcare. The private healthcare system is also widely available and affordable, with many expats choosing private coverage for shorter wait times and broader English-speaking options.
Cost of living
Compared to the Netherlands and Belgium, the cost of living in Spain—especially outside of Madrid and Barcelona—is generally lower. Groceries, housing, dining out, and services are all more budget-friendly, making it easier for newcomers to maintain a comfortable lifestyle.
What to expect from the Spanish housing market
Whether you’re looking to rent or buy, understanding the Spanish real estate market is crucial. It operates differently from what many Dutch and Belgian citizens are used to.
Renting
Renting in Spain is a common first step, especially for those who want to test out a new region or city before committing. Long-term rentals (alquiler de larga duración) are widely available, but demand is high in popular areas, especially near the coast or in larger cities.
Rental prices can vary significantly depending on the location. In smaller inland towns, you may find apartments for under €500 per month, while in central Barcelona or Marbella, the same space could cost double or more.
It’s important to know that most rentals are offered fully furnished. Landlords typically require one to two months’ rent as a deposit, and sometimes proof of income or a guarantor—especially if you do not yet have an employment contract in Spain.
Buying property
For those looking to stay long term or invest, buying a property in Spain can be a rewarding move. The process is relatively straightforward for EU citizens, but there are a few key steps:
You will need a NIE number (número de identificación de extranjero), which is your personal identification number in Spain.
Most buyers work with a real estate agent (inmobiliaria) who can help navigate the process and communicate with sellers.
Legal representation is highly recommended to handle contracts and ensure all paperwork and property titles are in order.
Many Dutch and Belgian buyers prefer newer apartments near the coast, especially in areas with established expat communities. However, countryside homes and rural fincas also attract those looking for space and tranquillity.
Cultural differences in housing and daily life
When settling into Spanish life, it helps to understand a few cultural differences.
Daily rhythm: The Spanish day typically starts later and ends later. Lunch is eaten around 2–3 p.m., and dinner often starts after 9 p.m. In some areas, afternoon breaks (siesta) still impact shop and office hours.
Noise: Spanish neighborhoods are often livelier than what some Dutch or Belgian residents are used to, especially in cities. Festivals, outdoor dining, and communal gatherings are frequent.
Community: Spaniards are generally social and neighborly. Don’t be surprised if neighbors introduce themselves or invite you to local events. Learning a few basic Spanish phrases will go a long way in being accepted and feeling at home.
Most popular places to live for Dutch and Belgian expats
Spain is a large and diverse country, and Dutch and Belgian citizens have settled in many different regions. Some of the most popular include:
Costa Blanca (Alicante region)
The towns along the Costa Blanca, such as Altea, Javea, and Torrevieja, are home to large Dutch-speaking communities. The warm climate, excellent healthcare facilities, and relatively low property prices make this region very attractive.
Costa del Sol
Including towns like Marbella, Mijas, and Estepona, this southern stretch is known for its luxurious coastal living. There are many services here that specifically cater to Dutch and Belgian residents, including real estate agents, legal advisors, and even Dutch-speaking doctors.
Balearic Islands
Mallorca and Ibiza offer stunning landscapes, upscale properties, and a mix of permanent residents and seasonal visitors. While living costs are higher, the quality of life appeals to those looking for a peaceful yet well-connected lifestyle.
Barcelona and Valencia
These cities are perfect for professionals and digital nomads. Barcelona is fast-paced, multicultural, and full of creative energy. Valencia offers a more relaxed vibe, with excellent infrastructure and growing popularity among young expats.
What to arrange before moving
Before signing a rental or purchase agreement, make sure you have the following:
A valid passport or EU ID card
A Spanish bank account (required for most property-related payments)
Your NIE number
Health insurance (if you’re not yet working or receiving a pension)
Translations of official documents, if needed
Need help?
Navigating the housing market in another country can be overwhelming. If you’re unsure where to start or need help with things like getting your NIE number, translating documents, finding reliable agents, or registering at the town hall, EmigrateWise is here for you.
Click on Find Help to connect with trusted local professionals who speak your language and understand your needs. Whether you’re renting for the short term or buying your dream home in Spain, we’ll help you do it the right way.
On average, between €2,500 and €5,000 including relocation, registration, insurance and basic setup costs.
Not necessarily. In tourist areas and international workplaces, English or Dutch may be enough, but basic Spanish will improve your experience.
We connect you with screened experts who understand both your home country and Spain, so you can avoid mistakes and move with confidence. Next to that, we connect you to people who provide housing and jobs. Everything you need to for your journey.
Only temporarily. Once you register as a resident in Spain, you are usually required to join the Spanish healthcare system or get private insurance.
Yes. You must officially deregister to avoid issues with taxes, healthcare and benefits. EmigrateWise helps you with this step.
You can continue to receive your pension, but the tax implications may change. We’ll help you understand how to avoid double taxation. Below, you can find tax advisors who can assist with possible implications thay may occur.
In some cases, yes—especially within the EU. We’ll guide you through the coordination between Dutch/Belgian and Spanish systems.
We generally recommend renting first, especially if you’re unfamiliar with local markets. EmigrateWise can connect you with verified rental agents.
You’ll need a NIE number and some form of ID. Some banks may ask for proof of address or income. We’ll show you how and where to open one easily.
Yes, but if you become a resident, you may be required to exchange it for a Spanish license within 6 months to 2 years, depending on local rules.
Popular areas include the Costa Blanca, Valencia, Málaga and Barcelona. These regions offer active expat communities and Dutch-speaking services.
You’ll need your municipal registration (empadronamiento) and NIE, plus proof of vaccinations and previous school reports.
You may pay income tax, property tax, and possibly capital gains tax if you sell property. EmigrateWise offers help with local tax advisors.
Services that can help your Spain journey
Disclaimer
At EmigrateWise, we do our best to keep the information on this page as accurate, complete, and up to date as possible. However, emigration rules and procedures can change frequently and may vary depending on individual circumstances. Despite our efforts, errors or outdated information may still occur. Ifyou notice any mistakes or missing details, please feel free to let us know in the comments section below. Together, we can help ensure the information stays as reliable as possible for everyone. Thank you for your contribution!
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