Retirement Guide · 2026

Spain has been one of Europe’s most popular retirement destinations for decades — and the Costa Blanca South sits at the heart of that appeal. Lower cost of living than the UK or Northern Europe, excellent healthcare, over 320 days of sunshine per year, an established international community, and property prices that still offer genuine value.

At Sunset Homes, a significant proportion of the buyers we work with are retirees, or people in their 50s planning for retirement in the next few years. This guide reflects what they actually need to know before making the move.

Why the Costa Blanca South?

There are many parts of Spain where you could retire. The Costa del Sol is warmer in winter, Barcelona has more cultural energy, and the Balearics are undeniably beautiful. But the Costa Blanca South — from Torrevieja down through Pilar de la Horadada and across the Mar Menor — offers a combination that is difficult to match: climate, services, international community, connectivity, and value.

Residency: What You Need to Know in 2026

The residency route depends on your nationality. For EU citizens, the process is relatively simple. For British and other non-EU citizens, the non-lucrative visa is usually the standard route for retirees.

Healthcare on the Costa Blanca South

Spain has one of the world’s most respected healthcare systems, and the Costa Blanca South has strong provision for international residents.

Key Hospitals and Clinics

Many retirees combine public healthcare for GP appointments, emergencies, and chronic care with private healthcare for specialist consultations and faster access. A comprehensive private health policy for a 65-year-old can typically cost around €120–€200 per month, depending on age and coverage.

Cost of Living: What to Expect

The Costa Blanca South remains affordable compared with many parts of Western Europe, especially when compared with the Costa del Sol or major European cities.

Your Practical Timeline: From Decision to Keys

1. 12–18 months before moving: start researching areas and visit the Costa Blanca South in different seasons, not only summer.
2. Start the visa process if you are non-EU: the Non-Lucrative Visa must be applied for at the Spanish Consulate before arrival.
3. Get your S1 form: where applicable, this can give you access to Spanish public healthcare.
4. Obtain your NIE: essential for buying property, opening a bank account, and paying taxes.
5. Open a Spanish bank account: required for property purchases, utilities, and recurring payments.
6. Buy your property: a resale purchase usually takes around 8–12 weeks from accepted offer to completion.
7. Register as a resident: complete local registration, residency documentation, and health centre registration.
8. Sort your tax position: spending more than 183 days a year in Spain can make you Spanish tax resident.

Best Areas for Retirement on the Costa Blanca South

• Torrevieja: ideal for retirees who want activity, community, and full infrastructure.
• Pilar de la Horadada: excellent for those prioritising peace, quality of life, beaches, and lower density.
• Lo Pagán / San Pedro del Pinatar: a good option for those who value the Mar Menor, wellness, and a more authentic setting.
• Los Alcázares: ideal for golf-loving retirees and buyers wanting a balance between tranquillity and services.

Browse our available properties across these areas, many of which are well suited to year-round living.

Frequently Asked Questions

Can I retire to Spain with only a UK State Pension?

The UK State Pension alone may fall short of the Non-Lucrative Visa income requirement. However, many applicants combine State Pension income with private pensions, savings, rental income, or other passive income.

Do I need to speak Spanish?

In areas such as Torrevieja, Orihuela Costa, and Pilar de la Horadada, day-to-day life can often be managed in English. However, Spanish bureaucracy operates in Spanish, so bilingual legal and administrative support is very helpful.

What happens to my pension when I move to Spain?

Your pension can continue to be paid, but taxation will depend on your tax residency and the relevant double taxation treaty. Cross-border tax advice is strongly recommended.

Is the Costa Blanca South safe for retirees?

Yes. It is a safe area by international standards. The main risks are minor opportunistic theft in busy tourist areas during peak season.

Can I bring my UK car?

Yes, but once you become a resident, you must register it in Spain. Many retirees find it easier to sell their car before moving and buy one locally.

Further Reading & Resources

• Properties suited to retirement on the Costa Blanca South
• Our legal and buying support services
• Sunset Homes inspection trips
• Healthcare guidance for UK nationals in Spain
• Spanish Social Security