(Cost of) Living in Granada

AUTHOR’S NOTE: This piece was written for an international travel and expat site, written to give potential resettlers a view of life (and cost) of Granada. Some of the information repeats from some of our previous blog posts, but hey, it was worth repeating! Despite it being a sales piece, we stand by everything written in it.

There is not much of a subway in Granada. The problem, as a local professor explains, is that every time they dig a little, they find a new layer of history that compels investigation. In the end, it’s easier to build on top of what’s already there.

In many ways, this sums up Granada as a whole. No one is really sure how old it is, but situated at the confluence of two gentle mountain streams, the Genil and Darro rivers, everywhere one looks, there are layers to discover.

For many years, it was the epicenter of the last Moorish Kingdom in Spain, guarded by the fortress city of the Alhambra, a UNESCO World Heritage Site and one of the most revered historic spots in the world. Before that, Granada was a Visigoth settlement, and evidence has been found of a Roman circus (open air venue) present before that.

Granada came under Spanish control in 1492, when King Ferdinand and Queen Isabella completed the Reconquista of Spain by taking Granada. Rather than destroy the city, however, they recognized the grandeur of its history and added to it, creating an architectural and cultural style born of the combined Moorish/Spanish form called Mudejar. One sees it everywhere, from the 500-year-old churches abutting the main plaza to the romantic “old world” houses hidden among the serpentine streets of the ancient quarters.

The climate and weather of Granada justify why so many peoples have sought to be here. Set at the foot of the Sierra Nevada mountains, there is low humidity, so that most every day affords a comfortable climate for walking about. Winters can have a chill, but snow rarely lasts in town for more than a day. The hot summers remain dry and humidity-free, nothing that a shaded café and a cold tinto de verano (iced summer wine) can’t counter.

Today, Granada remains a mid-sized town (235,000) that one can walk the length of, though the city transit system is so easy, regular, and accessible, it is second to none. Everyone uses it, which makes it both convenient transportation and a social meet-up! The buses also are convenient for transferring from the inner city (red) lines to the regional (green) lines to get out of town on a moment’s whim.

Surrounded by gently rolling foothills, mountains streams, and open vegas filled with olive and fruit trees, Granada is a hiker’s paradise. One can find villages situated in valleys that have been occupied for 5,000 years, and with each new generation, a new layer (and outdoor wine/tapa café) is added to the area’s vivacity.

One might take a day trip to Santa Fe, one of the many charming towns just outside Granada, to savor piononos, a world-famous dessert that began here, and while doing so discover that the city was the site of a fateful 1492 meeting, where a navigator named Cristobal Colon (Christopher Columbus) asked Ferdinand and Isabella to finance his idea of traveling westward to get to the Indies.

Within the city itself, one never stops discovering new layers; the city seems built for people to be outdoors, and every exploration is rewarded. Order a plate of local favorite fried boquerones (anchovies) at a local café, and while waiting one might see a plaque that describes how the building was originally a 16th century nobleman’s mansion. Walk the twisty medieval streets of the Realejo (old Jewish quarter), and one casually discovers cisterns and fountains from a city water system 600 years older than London’s. After a hike up the famous hill-top, UNESCO World Heritage neighborhood of the Albaicin, one can rest sipping vino or café at any of the many miradors (lookouts), taking in spectacular views of the Alhambra and mountains at sunset, all accentuated by nearby strums of a guitar. Walk the newer, commercial, west side of town, and one comes across a spacious green park, interlaced with hedge-mazes, near what was originally the family home of world-famous writer and social advocate Frederico Garcia Lorca. Even a famed 1980s British punk rocker, Joe Strummer of The Clash, left his mark here for a time and now has a plaza named for him!

Only an hour and a half by car from the Mediterranean coast, Granada is even closer to Mt. Mulhacen, the tallest mountain in continental Spain and the tallest non-Alp on continental Europe. From hiking its gentle slopes in summer to skiing and snowboarding in winter, it waits for any Granadino who decides just that morning to visit it for the day (not to mention the legends of Moorish gold hidden in secret caves!).

Granada has its own bus station and airport. There are hourly buses that cost about €12 for the two-hour trip to or from Malaga (the closest big city). The bus to and from Madrid takes about 5 hours and costs about €20 for a regular bus or €40 for a premium bus, with a meal, movies, and wide seats!

The nearly 500-year-old University of Granada plays a major role in the city’s youthful vibe, as do all of the young travelers who pass through town in the summer.  The University has one of the biggest international student exchange programs in Europe, continuing Granada’s legacy of taking the best of many cultures and creating something, new, better, and wholly Granadan. The University has a main campus, but also has buildings around town. There is a spirit here of learning and exploration of both the greater world and about one’s self, so a common conversation is about what classes people, young and old, are taking, whether Spanish language, art history, cooking, or even flamenco dancing!

Taking a cue from the city’s emphasis on cultural fusion, the ex-pat community is a thorough mix of peoples from all over who regularly gather with each other and locals, united in a common goal of intermixing cultures rather than standing apart. There are constant meetups, from hiking, to biking, to Spanish language development over wine & tapas.

Whether people are locals, expats, or students, Granada puts its emphasis on community above all else. There are many built-in “circuit breakers” to remind people to appreciate each other.  Whether shopping at one of the bigger commercial supermarkets in the city center, such as Mercadona, Corte Ingles, or Carrefour, or visiting the neighborhood stores, such as the local fruit stand, fish market, or meat market, one should budget extra time to meet and greet friends one always bumps into in a town this size (with the requisite double-kiss greetings, chat, and double-kiss goodbyes). Cafés hum around 2:30 as schools let out and people gather from work to enjoy the light breezes that accentuate the menu del dia meals that provide a 2 – 3 course lunch, drink, and dessert for about 10 – 15 euros. Granada takes its afternoon rest time seriously, and while many outside Spain see it as just siesta time, most people use it to casually recharge, whether by napping, reading, or taking a leisurely stroll.

At night, the city reawakens to add new layers to the day. Granadinos recommune over wine and tapas at one of the many local bars. Unique to Granada is that tapa is most always free with a drink, so that it is not uncommon for a person to feel well-fed (with drinks) for 6 to 8 euros.  

Alternatively, one can take a long leisurely dinner with friends, perhaps followed up by a cultural jaunt to a concert, or perhaps a flamenco show in one of the romantic gypsy cafés carved into caves in the mysterious Sacromonte section of town. The evening might be capped with a parade to commemorate one of the many celebrations, or even dancing in the city hall plaza past midnight to music provided by the city.

There is very little crime in Granada, so the walk home after a long evening out is never done at one’s peril (except to run into friends at an all-night Shawarma café). Just outside the city center, one can retire to bed with the windows open, a cool breeze and the quietude coming off the mountain to provide a soothing finish to one’s day.

Granada yourthirdlife.com

A nice place to visit, and an even BETTER one to stay!

If Granada has a welcoming vibe that invites all cultures to visit, it’s affordability and practical amenities coerce people to stay. It is impossible to live more that a couple of hundred meters from a grocer or pharmacist. There are large hospitals on the northern and southern ends of town where one can get regular blood work and tests done. Rental costs are relatively low, but can vary, from a house in the historic Albaicin, to an apartment in the bustling city center, to one just outside of the center (but only a 15-minute walk away). A place can be a year old or five-hundred years old, with varying amenities, so one has to do one’s research before committing.

Granada is a timeless city of many layers, many people, and many stories. Almost magically, however, Granada has managed to keep its personal, not-too-big-to-see-friends-on-a-stroll, feel.  Granada welcomes all things new, never to replace, but to join in, to add one’s self to the next layer of Granada’s many-chaptered communal history.

A typical Granadan expat budget

Expenses (Monthly) in EurosCase 1: 2 peopleCase 2:1 person
Rent3 bdrm, 2 bath (top floor, new, with terraces) 15 minute walk from city center: €10002/2, 10-minute walk from city center:€550
Utilities (water, electricity, gas)Included in rent€250
Groceries & Household items€450*€300
Entertainment (dining out & activities)€500** €250
Health Insurance €180 €90
InternetIncluded in rent€80
Transportation around town (cheap busses!)€40€25

*Includes food/litter for two cats, and €50 per month prescription (for human!).

**The couple plays tennis regularly (fees at public courts about €5) plus numerous day trips around the countryside (by bus).

8 thoughts on “(Cost of) Living in Granada”

  1. Hi Jim – this is so informative and helpful, thank you for sharing it. As we begin to make a budget for retiring in Spain, I wondered about taxes, and even budgeting for using a tax preparation service, since it seems it might get complicated, what with pulling from IRA/401k accounts as part of income. Since planning for taxes is definitely a component of retirement budget planning for retiring within the US, surely it is for retiring outside the US also. And I’ve heard reports that the Spanish income tax (and others) can take a bigger bite than expected. Can you share any experience on this topic? Thanks in advance, and thanks again for your great blog!

  2. Lovely blog, Jim and Jian! So glad I found it via a link from Physician on Fire’s “Sunday Best” this week. My husband and I are interested in living abroad during retirement as well, and we really fell in love with Spain on our first visit together there a couple of years ago. Our visit happened to include a few days in Granada, which we really enjoyed. We are crunching our own numbers in planning for retirement, which may be as near as a few years away, and the idea of living on 2200E/month is very appealing! Partly because it is much less than we live on now, in a moderate-to-lower cost of living area in the US (South Carolina). The health insurance figure in particular is very compelling as we plan for life without employer-sponsored health insurance. I’m curious if you’d be willing to share at least in rough terms how this figure (2200E/month) compared to what you lived on in the US? Our current monthly costs are more than double that, with what we consider to be a relatively frugal lifestyle, albeit with a few select luxuries. One luxury item in the budget is travel, but we plan to keep that in the budget for as long as we are physically, mentally and financially able. Thanks in advance for any response, and thanks for sharing your experiences via this blog!

  3. I’m curious how long it takes, from start to finish, to get set up with a place to live. And what is the commitment? As you know, here in the US, you have to fill out an application, get your credit checked, show last two pay stubs, pay a deposit of first and last month’s rent, sign a 1-year lease, etc. How does that all work when you’re retired? And is it possible to find apartments for short-term, while deciding where to land?

    • Will,

      For how long it takes – it all depends on if you have the required documents and what your criteria are. I have heard from other expats that it took them about a few weeks but you have to be here in Granada (or in the city you intend to live).

      The real estate in Spain set up very differently. You have to do a lot of work yourself. Don’t expect the realtor to do it for you. Also, it is best if you can get a place listed by the owner.

      Generally, you have to show a proof of funds or income but there is no credit check. If you are retired, you will need to show a proof of funds that is enough for your length of lease. You have to put one-month deposit that will he held at the city, then pay for the first month and last month rent. If you use the realtor, then generally you pay one-month rent for commission. But I learned that everything is negotiable (commission, rent amount, length of the lease, pet requirement, etc).

      Yes, it is possible to find an temporary apartment: most will do it usually through Airbnb. Let me know if you have other questions.

  4. Can anybody buy healthcare insurance for 90 Euros a month? Or only citizens? Long-term residents? Does the price vary by age or pre-existing conditions?

    This information is so critical for one’s decision-making, so thank you in advance for any clarification you can provide!

    • Hi Robin,

      Anyone can buy it. We had to buy it before submitting our application and Sanitas (our insurance) provided us the letter to submit to the Spanish Consulate. They have dealt with a lot of expats so they know what plan and what documents that are required for non-lucrative visa. Yes, it varies by age and pre-existing conditions. If you like, I can connect you directly with our contact in Sanitas for you to get the quote. The plan that meet the visa requirement is Sanitas Mas Salud (no copay & no deductible).

      I hope this helps.

  5. Thanks for sharing numbers. We are planning on hiking the Camino del Norte this fall. We hope to visit more of Spain afterwards and it is nice to get an idea on expenses.

    • I should say that the costs of utilities varies a great deal here. I had some friends say the listed costs (utilities) were too high, and others (who live in a 500 year-old house) say they were too low. I have found we Americans tend to be on the high side, as we are more used to central air/heat.


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