🏖️ Why Retire in Malaga?
Malaga, the capital of the Costa del Sol, is one of Spain’s most popular cities for foreign retirees.
✅ 320+ days of sunshine
✅ Major airport with global connections
✅ Rich Andalusian culture and history
✅ Beautiful beaches and modern infrastructure
✅ Thriving international expat communities
Whether you’re looking for coastal charm or urban energy, Malaga offers a high-quality life at a competitive cost.
🛂 Visa & Residency for Foreign Retirees
If you’re from outside the EU, you’ll need a non-lucrative visa (NLV) to retire in Malaga legally.
Requirements include:
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Proof of monthly income (€2,400+ for individuals)
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Spanish private health insurance
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Proof of accommodation (rental or ownership)
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Clean background check
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Application submitted through your home country’s Spanish consulate
💡 We handle full visa application support, including document prep, translations, and follow-ups.
🏥 Healthcare in Malaga
Malaga boasts some of Spain’s best healthcare facilities, including private hospitals and international clinics.
Public Healthcare
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Accessible to residents after one year (Convenio Especial)
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Top-tier hospitals: Hospital Regional de Málaga, Hospital Quirónsalud
Private Healthcare
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Required for visa
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English-speaking doctors common
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Costs range €60–€200/month depending on age
💡 Our legal team connects you with approved insurers for your visa and stay.
🏠 Where to Live in Malaga
Malaga has options for all retirement lifestyles:
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El Limonar – elegant, quiet, upscale residential zone
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Pedregalejo – walkable beach area with great restaurants
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Centro Histórico – heart of the city with culture & nightlife
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Teatinos – new developments and hospitals
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Torre del Mar & Rincón de la Victoria – nearby beach towns with lower prices
💡 We assist with buying, renting, and due diligence across all neighborhoods.
💰 Retirement Taxes in Malaga
After 183+ days/year, you’re considered a Spanish tax resident, and your worldwide income is taxable.
| Income Type | Tax Treatment |
|---|---|
| State pensions | Taxable in Spain (varies by treaty) |
| Private pensions | Taxed at 19%–26% |
| Foreign property | Must be declared (Modelo 720) |
| Dividends & gains | Taxed with progressive savings rates |
Spain has double taxation treaties with the UK, US, Canada, Australia, and many others — but local legal help is crucial to apply them correctly.
💡 We provide expat tax optimization and reporting services.
📜 Inheritance Law & Wills in Malaga
Under Spanish law, your heirs may be subject to forced heirship unless you:
✅ Draft a Spanish will stating that your home country’s law should apply
✅ Ensure property and tax structures are compliant
Inheritance Tax:
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Paid by the heir, not the estate
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Andalucía offers up to 99% exemptions for spouses and children
💡 We draft and register wills, and guide you through inheritance tax minimization in Andalucía.
💶 Cost of Living in Malaga (Retired Couple)
| Expense Category | Est. Monthly Cost (€) |
|---|---|
| Rent (1–2 BR) | €800–€1,300 |
| Groceries | €300–€450 |
| Healthcare insurance | €100–€250 |
| Utilities + Internet | €150–€200 |
| Dining & Leisure | €300–€600 |
✅ Total: €2,000–€2,800/month for a comfortable lifestyle
🛡️ Legal Services for Retirees in Malaga
We provide:
✅ Non-lucrative visa applications & renewals
✅ Property purchase & contract reviews
✅ NIE, empadronamiento, and residency card setup
✅ Tax planning & dual-country coordination
✅ Spanish wills & inheritance assistance
📞 Retire in Malaga with Legal Peace of Mind
Enjoy your retirement by the Mediterranean with complete legal protection. We’ve helped retirees from over 20 countries settle in Malaga safely and stress-free.
👉 Contact us today to plan your retirement in Malaga.