Top Places to Live in the USA for an Affordable and Comfortable Lifestyle

The cost of living is one of the notable things to consider when choosing where to settle down. That’s why many people use the cost of living calculator to estimate expenses in a particular place in the USA before moving there.

So, suppose you are someone who wants an affordable yet comfortable place to live without sacrificing quality of life. The good news is, there are plenty of USA cities where you can enjoy a much more balanced lifestyle:

Madison, Alabama

Madison has a welcoming suburban feel and strong community values. The city boasts a safe neighbourhood, with excellent schools and parks that are easily accessible.

Tech and aerospace industries are also located there, offering employment opportunities to its residents. So, suppose you’re looking to start a family or just starting a career. Madison is an ideal place to settle down.

Knoxville, Tennessee

If you’re a lover of nature, then Knoxville is the perfect place to reside. Most houses in Knoxville offer beautiful views and are surrounded by mountainous landscapes.

Moreover, the cost of living in this city is lower than the national average. The University of Tennessee is also located here, making it an attractive destination for students and young professionals.

South Dakota

South Dakota is probably the most affordable state to live in the USA. The cost of housing is low, and you wouldn’t have to pay any state income tax as the state doesn’t impose it. The cities in South Dakota, such as Sioux Falls, although they may appear like small towns, are rich in stable modern amenities and recreational opportunities.

Suppose you’re looking to escape crowded and rowdy places, yet you want a quality life. Pack your belongings and move to this state.

Atlanta, Georgia

Atlanta is one of the most affordable places to live in the USA metropolitan areas. The city is renowned for its booming movie and tech industries. It is indeed a place of endless opportunities for anyone.

Brownsville, Texas

Suppose you’re looking for somewhere warm to live. Brownsville ticks this box and comes with a favourable climate. The city lies near the Gulf of Mexico and the Mexican border, where local customs, flavours, and celebrations mingle. Recently, the city has been drawing more attention because of its proximity to SpaceX’s launch site.

Fort Wayne, Indiana

Fort Wayne is always ranked as one of the most affordable cities in the USA. Housing prices are lower than the national average cost. Despite all these, the city boasts of a strong job market and recreational centres like the Fort Wayne Children’s Zoo and riverfront parks. It is a comfortable place to retire, start a career or raise a family.

USA’s Most Affordable Places to Live: Housing Costs

Accommodation is always the first thing that comes to mind whenever it’s time to move to a new city. In fact, the biggest expense in anyone’s budget is rent or a mortgage.

In the USA, these costs can look very different depending on where you live. Some cities make homeownership feel out of reach, while others offer surprisingly affordable options. The table below reveals more information about the housing costs in the USA’s most affordable places to live:

Other Things to Consider When Choosing Affordable Places to Live in the USA

While housing is a significant part of the experience, certain factors can make or mar your experience in a new city. Remember that a city may look perfect on paper, but its affordability doesn’t necessarily mean it will automatically match your needs or values.

Therefore, it’s important to think about the bigger picture when choosing where to settle. Below are other things to consider aside from housing costs when going for one of the most affordable places in the USA:

Weather Conditions

The weather alone can determine if you will enjoy your stay in a city or not. Some people love sunny, warm areas, while others prefer cold locations. Also, keep in mind how the climate affects your expenses. The costs of heating in the winter or cooling in the summer are also a thing.

Safety

In anything you do, your safety should always come first. So, before moving, check the local crime rates. If possible, speak with residents about how safe the place is. A low cost of living might not be worth it if you don’t feel secure where you live.

Job Opportunities

Affordability won’t mean much if you can’t find work. Look for cities with suitable job opportunities. A city with steady employment opportunities makes it easier to build a stable life.

Healthcare Access

Affordable housing is great. However, proximity to good hospitals is just as important. Cities and states with strong healthcare systems give you peace of mind.

Lifestyle and Community

Although housing costs are a factor, true comfort comes from the lifestyle that makes you feel at home. Some cities are perfect for outdoor lovers. However, others thrive on arts, culture, or nightlife.

Conclusion

The USA is so big that it has something for everyone. It doesn’t matter how unique your needs or desires may be; you will surely find it in the country. You just have to look at the right places.

Note that choosing an affordable place to live doesn’t mean you should sacrifice quality or opportunities. Prioritise a city that aligns with your values and allows you to live within your means.

International Money Transfers

In years gone by, any trip abroad would involve exchanging currency. If you were based in England, for example, you would have to draw out funds in pounds and switch it for the currency of the nation you were visiting. At that time, cash was truly king, but the world has changed. In the modern day, people moving abroad can explore a range of different payment methods.

Crypto transactions are faster and cheaper than traditional wire transfers, making them the go-to payment method for many people sending money during a relocation. What’s more, crypto is accessible in underbanked regions, which is imperative if you choose to move to such a nation. If crypto is the tool you expect to use when carrying out transactions for your relocation, it’s a wise move to track the Shiba Inu price, for instance, and other cryptocurrencies so that you are aware of the going rate and don’t run into any surprises when it comes to price volatility.

Besides cryptocurrency, there are other payment methods, including the use of credit and debit cards and e-wallets, which is a virtual storage system that holds payment details while functioning as a digital version of a physical wallet. Each of these payment methods has its benefits compared to the more traditional ways to carry out transactions abroad.

Research and Planning

Online platforms offer invaluable information and guidance when planning and researching your relocation. In years gone by, finding key details about the area you are moving to and the processes involved in making the switch would have relied on heavy reading and word of mouth from locals and those who had made the switch previously. Now, say you are moving all the way to Australia, within minutes of getting online, you can read reviews and gain points and tips on what to do during the move.

Forums are a treasure trove of expert advice from people who have been there and done it. Speaking with people who have already made the steps you are planning to take can alert you to possible issues and advise on the best way to navigate various admin tasks on arrival.

Social media platforms, including Facebook and X, feature plenty expat communities where you can post questions, problems, and worries. Within minutes, you will receive responses which will help you to learn and make a plan on how to approach different situations.

Language Learning Apps

When moving abroad for an extended period of time, it is essential that you attempt to pick up the language to ensure you get the most out of the experience. It is imperative that you are able to communicate with colleagues, friends, and strangers in a range of different settings and understanding peers will help you settle in much more quickly.

Language apps and sites can be a giant resource of help when moving and care easily accessible online via your smartphone or tablet. Practicing a new language can be achieved at any time, anywhere with just a few clicks of an app. So, whether on the commute to work or during a quiet period while chilling out at home, you can use the time wisely to learn more words and phrases ahead of the big move.

Many of these sites are so advanced and feature so much expertise around lexicon and sentence structure that downloading these apps is like employing your own language teacher. By following the instructions each day and reading and repeating words, you will quickly gain the skills and knowledge to communicate when entering your new home.

Viewing Properties Online

Thanks to technological advancements, you can view a huge range of properties long before stepping foot in a village, town, or city. Looking at apartments and houses abroad, together with living conditions, has never been easier. Virtual tours, for example, offer you a simulated experience of the property using footage online. These tours make you feel as though you are there in the room, even if you are in fact hundreds of miles away.

Videos and images of the property are also produced using top-of-the-range equipment, and such documentation is now commonplace. Detailed floor plans and information on local amenities can be sent to you electronically instantly, which can help you assess your next move to meet your needs and preferences.

Wrapping Up

Overall, technology has completely transformed and revolutionised the ways in which people relocate to another country. It is such a giant switch one person can make in life and so it is vital to gather as much information as possible throughout the research and planning process.

From looking at properties and making payments to getting to grips with a language, this can also be achieved before hopping on the plane to start a new chapter.

The Case for Digital Entrepreneurship

Modern technology has changed how we live and work, opening up new opportunities for entrepreneurs. In this day and age, you can run a business entirely online without hiring people, buying equipment, or holding inventory.

Let’s say you run a yoga studio. You love your work and things are going well, but you can’t travel much because you’re tied to a physical location.

The solution? Take your business online and build new income streams. For instance, you could set up a website offering:

• On-demand yoga classes
• Live virtual classes via Zoom or a dedicated platform
• Yoga retreats and workshops (e.g., online events or hybrid experiences)
• Corporate wellness programs
• Subscription plans
• Personalized coaching
• Ebooks and guides
• Branded merchandise

There’s also the option to monetize your website with paid ads, sponsored reviews, or affiliate products.

This business model would allow you to work from anywhere and scale up or down as needed. Plus, it likely involves lower costs than what you’d pay in rent for a yoga studio in New York or other big cities.

Digital entrepreneurship also makes it easier to grow your reach. Why limit yourself to a local audience when you could connect with customers worldwide?

Then there’s the convenience factor. You can make your own schedule, take breaks as needed, and choose the projects you want to work on. This flexibility gives you time to travel, start new ventures, and do the things you love.

How to Run Your Business While Traveling the World

According to recent data, more than 25 million people in the U.S. live as digital nomads. Several other millions have their “home base” in the UK, Canada, Russia, Germany, France, and other countries worldwide.

The same study found that most digital nomads work from a home office and make around $100K-250K per year—though some have an annual income of over $1 million. 18% are startup founders, and another 18% offer their services as freelancers.

But how do they manage to run a business and move from place to place? The key word here is “planning.” This lifestyle isn’t for everyone, but you can pull it off if you stay organized and do your due diligence before jumping on the bandwagon.

For starters, use these strategies to plan things out.

 

Choose Work-Friendly Destinations

Some countries don’t allow digital nomads, while others have very strict requirements for them. An example is Belgium and most European countries, where you cannot legally work as a tourist.

However, there are still plenty of destinations where you can run your business on the go. They’re safe and remote-work-friendly, with good internet, affordable accommodation, and coworking spaces.

One such place is the Canary Islands, which topped Airbnb’s 2022 Live and Work Anywhere list. Other popular locations are Thailand, Georgia, Portugal, Vietnam, and Puerto Rico.

Ideally, look for countries offering work permits or digital nomad visas. For instance, foreigners holding a digital nomad visa can spend up to six months at a time in Thailand. The visa is valid for five years and costs only £300.

 

Get the Right Equipment

Running a business on the go isn’t the same as working from home, and you might need more than a laptop to get things done. The internet connection could fail, the hot weather could wreak havoc on your laptop, and local power outages could disrupt your workflow.

So, build up your tech stack before hitting the road, starting with a high-speed portable WiFi router and other essentials, including:

• Noise-canceling headphones
• Portable power bank
• Waterproof backpack or laptop bag
• USB hub and cables
• Travel adapter
• Laptop cooling pad
• Portable monitor
• WiFi extender
• Back solutions (e.g., external hard drive)
• eSIM card

It’s also a good idea to get an ergonomic lumbar pillow and accessories like a foam roller or massage ball. If you can’t bring them, ask a friend or family member to ship them to your destination.

 

Apply for a Multi-Currency Prepaid Card

Exchange rates vary significantly from country to country, and you could lose hundreds of dollars in conversion fees within months. Carrying cash isn’t safe, and standard debit or credit cards are not ideal for international transactions.

The solution? Apply for a multi-currency prepaid card like Revolut, Wise, N26, or Payoneer.

With any of these options, you can set up a business bank account and personal account and pay in local currency when abroad. While you can do that with any prepaid card, multi-currency cards often have better rates and may include perks like cashback and rewards.

 

Establish a Routine

Give yourself a few days to adapt to your new location, recover from jet lag, and make yourself cozy. After that, create a routine that allows you to explore the surroundings and get work done.

Let’s assume you’re traveling solo to Morocco or Thailand, where the weather is warm most of the time.

You could work from 7 AM to 12 PM while it’s still cool, then take the afternoons off to wander the streets, relax, socialize, or go shopping. Resume your projects later in the day when temperatures drop.

The key is to find your peak productivity hours—and structure your schedule around them.

 

Outsource Routine or Time-Consuming Tasks

Imagine planning a trip just to find yourself drowning in work shortly as soon as you arrive at your destination. Traveling isn’t cheap, and you’ll want to get the most out of your experience.

One option is to outsource routine or time-consuming tasks like social media management and customer support.

For example, consider hiring a virtual assistant to update your website with fresh content, format your blog posts and landing pages, schedule video meetings, and so on. Think about where you struggle most—and hire someone to help you out.

Again, the key is to plan things out in advance. Leave some buffer time for last-minute tasks or unexpected delays, keep your customers in the loop, and be prepared to adjust your routine.

Also, don’t cut corners when it comes to accommodation. Sometimes, it’s worth paying extra to feel safe and get the comfort you need to do your best work. After all, you don’t want to find yourself hunching over a coffee table in a tiny flat with slow internet and bad lighting.

1. Understand the cultural differences in the interview process

Each country has its own work culture. Cultural differences can influence, for example, hierarchy and cooperation. This starts with applying for a job. For example, in some cultures, it is customary to talk directly about your achievements, while others value modesty.

An expert of CVwizard indicates: “It is important to be aware of cultural nuances in the country where you are applying. Directness is not appreciated everywhere. By reading up on the culture of the country where you are applying, you will avoid awkward moments during the application process.”

Suppose you want to apply for a job in Dubai or Abu Dhabi, for example. Then it is important to understand the cultural differences between the Netherlands and the United Arab Emirates (UAE). The Netherlands has a culture of openness and directness. This is also reflected in the application process, where directness is appreciated.

In the UAE, respect for hierarchy plays an important role. Applicants should communicate formally and with respect, but directness is usually better avoided. Showing respect for local and cultural customs can significantly increase your chances of success.

This means that in addition to translating your CV, you should also localize it by emphasizing or omitting certain parts.

 

2. Locate your resume and cover letter

Tailoring your CV and cover letter to the standard of the country you are applying to is essential. This goes further than translating your CV. Always include relevant international experiences, language skills, and knowledge of local markets. In addition, localization also includes adapting your CV and motivation letter to cultural expectations as described in tip 1.

Also, consider choosing a format that is common locally. If applicable, you can implement local technical terminology. Localizing your resume strengthens your position as a job candidate because it shows that you are making an effort to adapt to local norms, values ​​and work culture. After locating your resume, you can share it with the recruiter or company in question.

Next, you should research your work visa options, starting with the visa requirements in the country where you are applying.

 

3. Research visa requirements and sponsorship

A work visa is often a requirement to work abroad. The rules for this vary greatly per country and can be complex. Therefore, start researching the visa requirements early.

In some cases, your new employer can help you apply for your work visa or even act as a sponsor. Consider this when applying and looking for companies known for supporting international employees.

It’s also helpful to understand the timelines for obtaining a visa so you have realistic expectations about when you can start working. Finally, consider any restrictions or requirements that apply to your specific situation, such as moving your family, your professional experience and educational qualifications.

 

4. Learn about the local job market and industry

A crucial step in applying for a job abroad is to thoroughly research the industry you are interested in within the country you want to go to.

It’s important to get a clear picture of current market trends, the key players and the demand for the skills you have to offer. This knowledge is invaluable for strengthening your application and conducting interviews with potential employers. It also gives you a realistic picture of your options and opportunities in the local labor market.

Even if the main language in the company is English, knowledge of the local language can increase your chances of success and ease your integration into the team and local culture. Consider language courses or practice with educational language applications to improve your language skills.

By informing yourself, you can better assess where your opportunities lie and how you can position yourself as the ideal candidate.

 

5. Use your international network

A reference always works to your advantage but can be extra valuable for a job application abroad. It shows that you are familiar with the local culture and that you have an affinity with the country of interest.

Therefore, use your international network to find your dream job abroad. You can use LinkedIn for this.

Check whether you have contacts at companies in the country where you want to work. If you don’t have one, you can get to know valuable contacts through international conferences, webinars and online forums.

 

Go for your dream job abroad

Finding a job abroad requires preparation, research and adaptability. By applying the above tips, you will increase your chances of finding a successful international career.

You can also choose to use specialized recruitment agencies. Many agencies focus on placing candidates in international roles. These agencies offer valuable insights and support in your search for a job abroad. They understand the local work culture and have closer contact with the local population.

Remember that every country is unique. What works in one country may not work in another. Therefore, stay flexible, be open to learning and be willing to adapt to a new culture and working environment.

What is an eSIM?

An eSIM, or embedded SIM, is a small chip built directly into your device. This means no more fumbling with physical SIM cards to activate your mobile plan. With an eSIM, switching carriers (aka mobile network operators) is as simple as downloading a new profile.

You could be in a foreign country and, from the comfort of your hotel room, instantly connect to a local plan. It’s a game-changer for frequent travellers who need flexibility on the go.

The best part? You can store multiple profiles and switch between them whenever you need to. This is ideal if you travel to the same countries frequently and want to keep profiles for each.

Physical SIM cards

The classic physical SIM card has been our reliable sidekick for years. Just pop it into your phone, and you’re all set, right? But let’s be honest, while they’ve done the job, they’re not exactly the most convenient. This is especially true if you’re the kind of person who’s always jetting off to new places.

Every time you land in a new country, the SIM card shuffle begins. You’ve got to find a local shop, grab a new one, and somehow make sure you don’t misplace your old SIM.

And if you’re carrying multiple cards, it’s like trying to juggle your passport, tickets, and baggage all at once (way too much to handle)!

eSIM vs physical SIM: The key differences

Convenience

When it comes to sheer convenience, eSIMs undoubtedly surpass traditional SIM cards. With an eSIM, switching between different mobile plans is as simple as a few taps on your phone. This streamlined process is especially useful for people who often travel between foreign countries or regions.

On the flip side, physical SIM cards demand a bit more effort. If you’re in a new area and need a local plan, acquiring and inserting a new SIM can take up more time and cause some hassle.

Flexibility and multi-network access

Flexibility is another significant advantage of eSIMs. These chips allow users to store multiple carrier profiles on a single device, enabling easy network switching depending on location. This feature is particularly appealing to those who travel extensively and want to optimise their connectivity options.

In contrast, managing multiple physical SIM cards requires careful organisation. There’s always the risk of losing or misplacing a card. For those who value convenience, the eSIM offers a clear edge.

Security

eSIMs possess greater security since they are incorporated into the mobile phone itself and are therefore less likely to be lost or stolen. Plus, the operation of changing carriers can be done remotely from anywhere – as long as you have an internet connection. The result? Increased security and simplicity.

Physical SIM cards are more vulnerable. Not only can they be lost, but they can also be tampered with, which poses a significant security risk.

Availability and network carrier support

While eSIMs are rapidly gaining popularity, especially with major brands like Apple, Samsung, and Google leading the charge, they’re not universally available yet. So, not every carrier supports them.

Fortunately, this is changing. Take Yesim, for instance. They’ve partnered with over 200 local operators worldwide, allowing you to connect to local networks directly from your phone (no more fumbling with SIM swaps) whenever you arrive in a new country. Plus, you can use the promo code YESIMRELOCATE2 to enjoy an exclusive discount on their services.

Physical SIM cards are still widely used too, and you can easily find them at local stores and airports. However, hunting for a new one every time you travel can be a hassle. Plus, once you commit to a physical SIM, you’re tied to one provider, which can mean unreliable service in some areas.

So, which is better for digital nomads and expats?

Digital nomads, who need uninterrupted internet access and freedom, can really benefit from eSIMs. Being able to manage your mobile plan directly from your phone offers incredible convenience, especially when you’re constantly on the move. It’s the perfect mix of practicality and freedom, helping you stay connected wherever you are.

eSIMs are also super practical for expats, as you can store multiple carrier profiles and switch between them as you travel back and forth from your home country to your current one.

On the other hand, if you move to a single place and stay there for a considerable time, then a SIM card will do the job just fine.

At the end of the day, determining the places you most frequently travel to, identifying your needs regarding internet access and your personal preferences will guide your choice.

Both options have their advantages, but with the advancement of technology and global mobility, eSIMs are becoming the most chosen option for people who are always on the move.

Key takeaways

The convenience and security of an eSIM are hard to ignore as you can hop between providers without going through the fuss of changing physical SIM cards.

If you’re always on the move, no need to chase down local SIM cards – just switch to a new plan digitally and keep yourself online.

While conventional SIM cards may cater to those whose needs are tied to a specific locale, the flexibility offered by an eSIM is tough competition. The one you choose really depends on your travelling patterns and requirements for staying connected.

In a time where constant connection is a must, choosing an efficient mobile solution can only simplify adapting to new places. Keen to experience living and working abroad? Check out our job board on Relocate.me for opportunities that offer an international move.

Can I move freely within the EU?

The first tip is to check if your concerns are actually correct. Common questions about moving and working abroad are about visas, healthcare, and retirement benefits. One of the biggest advantages of the EU is the fundamental principle of free movement of workers. In short, EU citizens are entitled to:

• Look for a job in another EU country   
• Work there without needing a work permit
• Stay there even after their employment has ended
• Enjoy equal treatment with nationals in access to employment, working conditions and all other social and tax advantages

This principle makes moving within the EU much easier than many people think. There is no need for visas or work permits, and you enjoy the same rights and conditions as nationals. The right to free movement in the EU makes your expat dream much easier!

Who can help me find a job abroad?

Did you know that companies like Apple, Google, and Netflix are outsourcing many of their teams to centralized hubs in Southern Europe?

In these hubs, you can find German, Dutch and French teams (to name a few) that are working with Customer Support, Sales and Marketing.

However, if you browse Google’s career site, you will probably not find any German-speaking marketing positions in Lisbon or Barcelona, for example.

So, how can you discover these niche job opportunities? By connecting with recruitment companies that specialize in these roles! They can help you find a job in your native language that fits both your skills and dream destination.

One such recruitment company is Workwide. They offer you a big selection of jobs in Europe and you are supported by a personal recruiter.

If you are a German speaker, you can find German jobs abroad here. Workwide collaborates with companies in countries like Portugal, Spain, and the Netherlands that are looking for German-speaking colleagues.

If you are looking for Dutch jobs abroad, Workwide has you covered as well. If you are looking for jobs in Customer Service, Sales and Marketing in Southern Europe, make sure to visit their site.

Their services are always free for job seekers, and they’ll support you every step of the way to secure your dream job abroad.

Where do I find jobs in the EU as a skilled worker?

There is a widespread shortage of skilled workers in the EU. If you are educated and/or have experience in fields like IT, engineering, or healthcare, you are in high demand.

You can basically pick and choose between countries and employers if you are interested in going abroad. For most of these roles, English is the primary working language, so you don’t need to worry too much about learning a new language before relocating.

LinkedIn is a great resource for finding jobs across Europe as employers from all over the world are gathered here.

Does the employer help with relocation?

Moving abroad is relatively simple from an administrative viewpoint. But there are still challenges along the way. For example, finding accommodation, integrating into the new culture, etc.

Many companies experienced in hiring international talent have established processes or even dedicated relocation teams to assist new employees. Look for employers that offer relocation support—it can make a big difference!

Relocation packages may include a variety of benefits, such as reimbursed moving expenses, free initial housing, language courses, assistance in finding a job for your partner, and many other perks.

These benefits can make your move and transition to your new home country much smoother! Here are some tips on how to negotiate your relocation package.

Do I need to learn a new language before moving?

This article has presented job opportunities where you do not need to speak a new language. You can manage in English or even your native language in the office setting. However, it is highly recommended to at least learn the basics before moving. Apps like Duolingo or Babbel are a fun and easy way to get you started.

Imagine having to ask the cashier in the supermarket for a bag. If you are living in a country with a low average level of English this can become very awkward for everybody involved. Having a few standard phrases in reserve is a real advantage.

If you are hoping to get to know the culture in an authentic way, you will need to learn the language. The best way is to start talking to locals as soon as possible. A scary thought but it is definitively worth going outside your comfort zone.

Summary

Basically, anyone can move abroad with a job! You just need to identify your most valuable asset. It can be your education or work experience, but it might also be your native language skills.

Living abroad is a life-changing experience. It allows you to explore new cultures, meet incredible people, and advance your career. Think about it!

 

Understanding the Digital Nomad Visa for Spain

Spain’s Digital Nomad Visa, officially part of the broader Startup Law, is a significant initiative aimed at attracting non-EU nationals who wish to live in Spain while working remotely. This visa is specifically designed to meet the needs of freelancers, entrepreneurs, and remote employees by providing them with a legal framework to reside in Spain for extended periods.

The Digital Nomad Visa offers a practical solution for remote professionals who want to experience the Spanish lifestyle while maintaining their employment with companies outside of Spain. This visa represents a shift in immigration policy, recognizing the contributions and economic potential of digital nomads to the local economy. By offering this visa, Spain aims to attract a diverse pool of talent, fostering an environment of innovation and creativity.

The initiative aligns with Spain’s broader goals of becoming a hub for startups and tech-savvy professionals, contributing to the country’s economic growth and global competitiveness.

 

Requirements for the Spanish Digital Nomad Visa

To qualify for Spain’s Digital Nomad Visa, applicants must meet several criteria:

1. Remote Employment: Applicants must work for a company based outside Spain or be self-employed with clients primarily outside Spain. Additionally, only 20% of their total income can come from within Spain.
2. Proof of Employment: If employed, applicants need to provide a contract of employment and evidence that their work can be performed remotely. Freelancers must show contracts or commissions from clients outside Spain. In both cases, the digital nomad must have had a working relationship with their client or employer for at least three months prior to the application.
3. Minimum Income: There is a minimum income threshold, which is €2,646 per month, or €31,752 annually, as of 2024. This ensures that applicants can support themselves while living in Spain.
4. Background Check: A clean criminal record is essential. Applicants must provide a police clearance certificate from their home country and any country that have lived in, in the last five years.
5. Health Insurance: Full-coverage private health insurance in Spain is mandatory.

 

Steps to Obtain the Digital Nomad Visa for Spain

The process of obtaining the Spanish Digital Nomad Visa involves several steps.

Start by gathering all necessary documents, including proof of employment, income statements, health insurance, and accommodation details.

You can apply from either your home country or Spain while on a student visa. If you’re applying from your home country, you’ll need to visit the Spanish consulate there.

You’ll receive a one-year visa, renewable for a three-year residence permit. However, if you apply from Spain, you’ll directly receive a three-year residence permit.

The Digital Nomad Visa follows a fast-track process and a positive administrative silence. This means that you should have your resolution within 20 days. If you don’t have it by then, you can assume the resolution is positive.

With a positive resolution for the three-year residence permit, you will have to go to a police station in Spain to have your fingerprints taken for the physical card. The card should be ready to pick up in about a month.

To be able to renew your digital nomad visa, you will need to become a tax resident in Spain, which means staying in the country for more than 183 days.

 

Benefits of Spain’s Remote Work Visa

Spain’s Digital Nomad Visa offers several significant benefits. Firstly, it grants legal residency in Spain, allowing digital nomads to live and work without worrying about visa overstay issues.

The visa also expands travel opportunities, as residency in Spain allows digital nomads to travel freely within the Schengen zone and explore many European countries with ease.

Furthermore, this visa offers favorable tax conditions. For example, if you are a digital nomad working for a company based outside of Spain, you can apply for the Beckham Law tax regime. Instead of paying a progressive income tax rate of up to 45%, you will pay a flat rate of 24%.

In addition, major cities like Barcelona, Madrid, and Valencia have vibrant communities and coworking spaces, making them ideal for remote workers. Being part of Spain’s growing community of digital nomads and entrepreneurs offers numerous networking opportunities and the potential for professional growth. By the way, a good way to stay connected while working as a digital nomad in Spain is using eSIM.

Spain’s Digital Nomad Visa provides remote workers with professional flexibility and an enriching lifestyle. By meeting the criteria and applying, digital nomads can live in one of Europe’s most welcoming countries, enjoying sunny beaches, historic cities, and vibrant cultural scenes.

How to Move to Slovenia for Work in Tech

A visa is not necessarily required to immigrate to Slovenia, but it all depends on where you’re coming from. A Slovenia work visa may be needed to gain entry and establish residence.

Moving to Slovenia as an EU Citizen

If you’re a citizen of one of the European Union Member States or a citizen of one of the member states of the European Economic Area (EEA), you do not need a visa or residence permit to enter Slovenia. However, you will need a valid identity card or valid passport.

As of 2023, these rules apply to citizens of:

• Austria
• Belgium
• Bulgaria
• Croatia
• Republic of Cyprus
• Czech Republic
• Denmark
• Estonia
• Finland
• France
• Germany
• Greece
• Hungary
• Iceland (EEA)
• Ireland
• Italy
• Latvia
• Liechtenstein (EEA)
• Lithuania
• Luxembourg
• Malta
• Netherlands
• Norway (EEA)
• Poland
• Portugal
• Romania
• Slovakia
• Spain
• Sweden

If you are not a citizen of one of these countries, you’ll need to obtain a visa before moving to Slovenia.

Moving to Slovenia as a Non-EU Citizen

To visit or immigrate to Slovenia as a non-EU citizen, you’ll need to obtain a visa by submitting an application explaining the reason for your visit and by providing a few identifying documents. A long-stay work visa will allow you to stay in Slovenia for an extended period while you work.

After getting your visa, you’ll also need to apply for a temporary residence permit. You can do this before arriving in Slovenia at the same embassy where you apply for your visa or you can do it on arrival at the nearest administrative unit.

Temporary residence permits last for a year before you’ll need to ask for an extension. You’ll need to stay in Slovenia for five years before you can apply for a permanent residence permit.

Can I Get a Blue Card to Move to Slovenia?

The EU Blue Card program is available to non-EU/non-EEA nationals and aims to simplify the immigration process. In effect, a Blue Card is a residence permit. If you qualify for a Blue Card, it will put you on the fast track toward permanent residence and citizenship in Slovenia (or any of the participating EU countries).

Being a Blue Card holder also provides countless benefits outside of Slovenia. In many ways, it gives you the privileges of an EU citizen, including free movement throughout the EU (no additional visas required) along with full educational, economic, cultural, human, and health rights.

To qualify for a Blue Card, you must fulfill all of the following criteria:

• Have a valid work contract or binding job offer for highly qualified employment that will last at least 12 months; and
• Meet the minimum salary threshold in Slovenia; and
• Present documents proving that the relevant higher professional qualifications have been met; and
• Present a valid travel document, an application for a visa or a visa and a valid residence permit or a national long-term visa; and
• Present proof of sickness insurance; and
• Prove you do not pose a threat to public policy in the view of the Member State.

In Slovenia, a Blue Card is valid for two years and can be extended to a maximum of three years. The application process involves a thorough review of you and your skills, so set aside 4-6 months and prepare to pay an application fee of €140.

While entering Slovenia without a Blue Card means you’re 5 years away from permanent residence, a Blue Card could allow you to become a permanent resident in as little as 21 months if you achieve B1 level knowledge of the Slovenian language (or 33 months otherwise).

Cost of Living in Slovenia

Excluding rent, a single person’s estimated cost of living in Slovenia is €791. A one-bedroom apartment ranges from €484 to €605 per month on average. A three-bedroom apartment is about twice as much.

The capital of Ljubljana has the most amenities and it’s naturally the country’s economic and cultural hub, meaning many job opportunities can be found there — but it also has a higher cost of living.

In Ljubljana, the average cost of living is €803 for a single person without rent. A one-bedroom apartment in the city center starts at €700 a month. With some good searching, you may be able to find a two-bedroom apartment for around €1,000 a month, but it won’t be downtown. Utilities range from €250 in the summer to €350 in the winter for a couple or small family.

Average Salary in Slovenia for Tech Jobs

When searching for jobs in Slovenia, you may be surprised by the average salary, which will look quite low compared to some other EU countries.

For a software engineer, the average salary is just €34,774 annually, which works out to around €2,897 monthly. As with any country, salaries vary across the market and it is possible to find a good offer if you spend time looking.

Alternatively, you can work remotely for a non-local company and try to get a residence permit by opening a company of your own.

Taxes in Slovenia

There are a few different types of taxes in Slovenia and you’ll need to sort them out before you arrive to ensure you’re budgeting based on your actual take-home pay:

• Personal Income Tax: You will need to pay taxes on all the money you earn in Slovenia. This is a progressive tax with brackets of 16%, 27%, 34%, 39%, and 50%, depending on your income. If you enter your salary and resident status into this calculator, it’ll estimate your personal income tax obligation.
• Social Security Contributions: Both employers and employees must contribute to the Social Security fund. 16.1% will be paid by your employer and 22.1% will be paid by you as an employee.
• Capital Gains Tax: If you sell a home or other asset, or inherit certain property in Slovenia, you may have to pay Capital Gains Tax, which ranges from 0% to 25% depending on the situation.
• Value Added Tax (VAT): All EU countries now charge VAT at a standard rate of 22%. There is also a reduced rate of 9.5% and a few goods and services are excluded entirely. In most cases, the prices you see when shopping in Slovenia will be “VAT inclusive,” meaning this tax has already been factored into the display price.
• Property Tax: There is no property tax in Slovenia.
• Payroll Tax: The payroll tax was abolished in 2009.

Renting an Apartment in Slovenia

All sorts of accommodations are available in Slovenia, ranging from shared accommodations and spare rooms to apartments and houses.

In your search, know that many people do not want to report the income they receive from renting out a property. This may mean they try to lease to you without an official contract — and you should be wary of these situations. You may also experience challenges due to language barriers, especially in more rural areas.

Most apartments that aren’t being leased “under the table” are handled by real estate agencies, which means they likely have an English-speaking representative. However, these agencies often require at least one month’s rent upon signing and may ask for other deposits as well.

As far as where to look for housing, Nepremicnine.net is the largest and most popular real estate site in Slovenia. You can also find a partially translated version in English.

Healthcare in Slovenia

Slovenia has a social health insurance system offering universal coverage to all residents and a broad range of benefits. It costs around 30 euros a month for an adult and children’s healthcare is fully covered. There are co-pays for healthcare services, so some Slovenians choose to take out private health insurance to cover these co-payments.

Until you become a resident of Slovenia, you’ll likely need to purchase a private expert health insurance plan. This is a type of international medical insurance policy that will cover both emergencies and routine care while you’re in Slovenia or elsewhere.

When it comes to the quality of care, Slovenia’s healthcare system is considered good and may even offer state-of-the-art equipment and services, especially in Ljubljana.

Language

Locals speak Slovenian, which is a Slavic language that can be challenging for non-Slavic speakers to learn. However, Slovenian is rarely spoken outside of the country and most locals have learned to speak English. German and Italian are also widely spoken.

Coffee Culture

Slovenia is renowned for its thriving coffee culture, notably the increasing abundance of specialty coffee shops and roasters.

International Tech Companies in Slovenia

Some of the largest international tech companies in Slovenia include:

• Infomediji is a virtual reality streaming company with a team of more than 100 skilled engineers and developers. They are rapidly growing and need specialists across the fields of data analytics, machine learning, UX/UI, and more.
• Outfit7 is a game development company with 20 hits and counting, entertaining billions of people around the world.
• SportRadar is a sports technology company that offers immersive experiences for sports enthusiasts and bettors. They’re partnered with DraftKings, FanDuel, the NBA, and countless other major organizations.
• Hisense Europe has a more than 70-year-long reputation providing home appliances to Slovenia and other nations. They have a growing R&D center and recently invested 45 million euros into a new factory that will produce side-by-side refrigerators.
• Outbrain makes over 344 billion recommendations each month to people around the world. Its algorithms are embedded into countless social media networks, determining what shows up in user feeds. The company is a powerhouse that continues to innovate.
• Comtrade Group is home to a number of innovative IT businesses across the area of smartphones, consumer electronics, software, development, gaming, and more. They have won multiple awards for their sustainability efforts and they have global partners like Microsoft helping them continue to grow.
• Endava has over 12,000 employees around the world working to provide solutions to companies in the payments, financial services, telecommunications, media, technology, consumer products, retail, mobility, and healthcare sectors. They’re one of the largest tech companies in Slovenia and have a growing world-class engineering team.

While Slovenia has relatively low salaries compared to places like Germany, it has many benefits, including a high quality of living, great work-life balance, free medical insurance, a good education system, a convenient location, and many opportunities for remote work.

If you want to start searching for job opportunities abroad, let Relocate.me help you find the perfect position.