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Bilbao: affordable by EU standards, very safe, on the water

🌊 Sea
TL;DRBilbao in one sentence

Bilbao sits on the coast, and the salt air isn't just for tourists. Practically speaking: English gets you halfway, rent runs ~$1259/mo.

Considering relocating to Bilbao? Expect rent from $1,259/month, one of the safer cities in its region, Spanish is the main language; English is manageable in urban areas. This page covers cost of living, safety, weather, residency options, and everything else settlers want to know before signing a lease.

🇪🇸 Bilbao, Spain

Compare
0.4M people20% cheaper than BarcelonaLivability 69/100 · #34Safety 90/100 · #4

Safety ranks higher because it ignores cost and climate. Livability penalizes expensive or less-connected cities. Compare both rankings

Just you against the world. And the rent.

Expenses = rent + food + transport + utilities · Rent alone: $1,259/mo

Show score breakdown
Affordability
16.7/25Numbeo
Violent Crime
14.3/15UNODC
Perceived Safety
~4.6/10est.
Internet
~5.3/15est.
Democracy
12.2/15EIU
English
6.2/10EF EPI
Climate
9.9/10Numbeo
Stability
7.2/10World Bank
Geopolitical Safety
~5.9/10est.

~ = estimated (global median, no city-specific data)

Total: 82.3/120 raw pts → normalized to 69/100

🌙 2:17 AM in Bilbao right now

Data: Numbeo · UNODC · EIU · EF EPI · Ookla

Is Bilbao a Good Place to Live?

Is bilbao a good place to live? Short answer: yes. Bilbao checks the boxes that matter for people who plan to actually stay — not just pass through. Here's what the numbers say about settling in Bilbao, Spain.

  • Full democracy: Democracy index 8.1/10 — solidly democratic — your vote counts and so does everyone else's.
  • Cost of living: A 1-bedroom in the center runs ~$1259/mo — moderate — not cheap, not painful.
  • Safety: Homicide rate 0.7 per 100k — statistically safer than most places you've already lived.
  • Spanish + English: English proficiency: moderate — English gets you through tourist zones — beyond that, learn the basics or get good at charades.
  • Climate: Summers peak around 25°C, winters dip to 6°C.

Life in Bilbao

What It Actually Costs

Beer $3.8 · Cheap meal $21

What It Actually Costs

One day in Bilbao

$42.15/day

Beer, coffee, two meals, a metro ride.

Beer, 0.5L$3.81
Cappuccino$2.39
Cheap meal$21.08
Fast food$12.88
Metro ticket$1.99

Monthly

Gym$58
Internet$30

Numbeo

What Paychecks Look Like

Junior $30k · Mid $59k · Senior $80k

What Paychecks Look Like

Annual gross in USD — with what Spain actually lets you keep

Levels.fyi · as of Apr 2026

Software Engineer$59k
$3,317/mo net(33% tax)
$41k$83k
Product Manager$79k
$4,233/mo net(36% tax)
$59k$106k
Data Analyst$43k
$2,500/mo net(30% tax)
$31k$58k
Finance Manager$47k
$2,682/mo net(31% tax)
$44k$54k
Doctor$32k
$1,936/mo net(28% tax)

Junior ~ $30k · Mid ~ $59k · Senior ~ $80k — see breakdown

Software Engineer by level
Junior$30k
$1,817/mo net(28% tax)
$26k$37k
Mid$59k
$3,317/mo net(33% tax)
$41k$83k
Senior$80k
$4,271/mo net(36% tax)
$63k$103k

Net = employee rate, your settings

Punch in your actual salary for a personalized breakdown →

Cost to Land

1-bed centre: $1259/mo

Tax on Savings

Capital gains 30% · Dividends 30% · Wealth tax applies

Tax on Savings

What Spain takes from your investments, not your paycheck

Capital gainsProgressive: 19% up to €6k, 21% to €50k, 23% to €200k, 27% to €300k, 30% above
30%
Dividend taxSame savings-income schedule as capital gains
30%
Wealth taxProgressive above €700k threshold; Madrid and some regions offer 100% relief. Solidarity tax 1.7–3.5% above €3M.
0.2%–3.5%

Source: PwC / Tax Foundation · 2025 rates · tax-resident individuals

Freelancing in Bilbao

Living Here as a Freelancer

What it takes to invoice clients from Bilbao without an employer holding your hand

How the government sees you

Tax category
Autónomo
VAT registration thresholdNo small-business VAT exemption — you charge 21% from invoice #1
None
Social security

Progressive contributions €230–590/mo based on real income. Tarifa plana: €80/mo for first year

Getting paid

Wise local IBANavailable
Stripe payoutssupported
Payoneersupported

Cost of doing business

Health insurance

Covered through Autónomo social security contributions

Accountant (annual filing)
~€1,800/yr

Freelancer visa

Visa type
Digital Nomad Visa
Application cost
~€80
Income requirement
€2,850/mo
Permits freelancing
Yes

Beckham law may apply — 24% flat tax for 6 years

Source: Agencia Tributaria · BOE · rates as of 2025–2026

Is Bilbao a Good Place to Live in 2026?

2 pros · 2 cons

Is Bilbao a Good Place to Live in 2026?

Derived from cost, safety, weather, democracy, and internet data

For

  • +Bilbao: 0.7/100k homicide rate. Safe enough to stop thinking about it.
  • +25°C summers plus Bilbao's coast. Not a drill.

Against

  • $1259/mo rent in Bilbao. It keeps climbing.
  • English covers lunch in Bilbao. Contracts need Spanish.

Is Bilbao Safe?

Homicide rate: 0.7 per 100k

Is Bilbao Safe?

90/100 safety score
0.7homicides per 100kSpain avg

About as safe as it gets. You'll stop thinking about safety within a week.

Heads up: The homicide rate shown is the Spain national average, not Bilbao-specific data. UNODC only publishes country-level figures. City-to-city comparisons within Spain won't reflect local differences.

Countries where we only have country-level data: AE, AR, AU, BR, CA, CH, CO, DK, EE, EG, GB, GE, GR, HR, HU, ID, IE, IL, IN, IT, JP, KZ, MA, MX, NL, PT, RS, RU, SE, SG, TH, UZ, VN, ZA

Homicide: UNODC

data resolution: country-average

world avg ~5.8 per 100k

Neighborhood breakdown

We don't have an official neighborhood-level crime feed wired for Bilbao yet. The figures above are still citywide or regional.

Crossing the Street

3.5 road deaths/100k · → stable

Crossing the Street

Road traffic deaths — country-level data; city-specific rates not available

3.5deaths per 100k/yr1.7× Sweden's rate
5-year trendstable +2.7%2015-2023

Road safety is decent — roughly average for a developed country. You're 5× more likely to die crossing the street than being murdered here. Walking is especially adventurous here.

Who dies on the road

Car6%
Pedestrians29%
Motorcycle22%
Cyclists4%
Other6%

Data year: 2016

Pedestrian deaths6.6 per million

Deaths rate: who_gho_road

Trend: oecd_itf

data resolution: country-level

reference year: 2021

Will You Survive Getting Sick?

Will You Survive Getting Sick?

Healthcare quality, access, and what settlers actually face

87
/100 healthcare scoreStrong
What goes into this score
90OutcomesIs the system actually good?
84AccessCan you actually get treated?
86PerceptionWill you pull your hair out at the doctor?

Score = 50% outcomes + 30% access + 20% perception. Missing components are re-weighted.

Month 1 — Before Residency

EHIC: ✓ Accepted

World-class healthcare. The kind of place where you stop Googling symptoms because you trust the doctors more than the internet.

Sources: IHME GBD 2019, WHO UHC Index, Numbeo

For the Kids

15 international schools · PISA 477

For the Kids

Schools, childcare costs, and whether your children can actually enroll

477
PISA score (country avg)Average
International schools15
Public school language
Daycare (private, full-day)per kid — multiply at will
$556/mo
Russian-language schoolingNo verified Russian-language school source yet. Treat this as unresearched, not as 'none exist.'
No data

15 international schools · A handful. Start researching early.

Schools are fine. Not the kind of "fine" you say through gritted teeth — genuinely adequate. International schools fill the gaps.

Sources: oecd_pisa, wikipedia_intl_schools, Numbeo

What You're Breathing

PM2.5 10.1 μg/m³ · 2× WHO limit

What You're Breathing

Invisible particles in every breath

2×
what doctors say is finemoderate
PM2.5 annual mean10.1 μg/m³
0WHO limit55+
NO₂ annual mean17.5 μg/m³
Data year2021

Sources: WHO Air Quality Database V6.1, OpenAQ

Weather in Bilbao

Summer 25°C · 15.3h daylight (Jun) · Winter 6°C · 9h daylight (Dec)

Weather in Bilbao

Spring

18°C

33% sunny

Summer

25°C

41% sunny

15.3h daylight

Fall

21°C

35% sunny

Winter

14°C

28% sunny

9h daylight

Daylight contrast

Winter 9h (Dec) vs summer 15.3h (Jun)

+6.3h

Winter9h
Summer15.3h

Best: Summer, Fall. Avoid: Winter if you dislike extremes.

Source: open-meteo

Will You Have a Thursday Night?

Will You Have Friends in Spain?

Will You Have Friends in Spain?

Expat community and post-Soviet diaspora

Post-Soviet community in Spain

Country-level — city data unavailable for Spain.

Russian
~13k2024
Ukrainian
~240k2025
Belarusian
~3k2024

Source: diaspora_cache

INE Spain / UNHCR — country-level figures

Can Your Mom Visit?

65% settler connectivity

Can Your Mom Visit?

Direct flights, settler connectivity & getting to the airport

65%
settler connectivityDecent
13/20 █████████████░░░░░░░ 65%

You'll get to know Istanbul airport really well.

Direct destinations77
AirportBIO

Settlers aren't tourists. You'll fly this route dozens of times — to see family, handle paperwork, attend weddings. The difference between "direct flight, 2 hours" and "6am connection via Istanbul, 11 hours" is the difference between a weekend trip and an ordeal.

Sources: Wikipedia airport route data, national rail operators

How Much Nature You'll Actually See

57% canopy · 40.6 m²/person · 773 parks

How Much Nature You’ll Actually See

Trees, parks, and whether you can reach one on foot

57%
tree canopyLeafy
How much of the city is tree, not concrete.
Parks per capitaWHO says you need 9. Your city may disagree.
40.6 m²WHO approved
300 m park accessCan you reach a park without getting in a car?
99%
Parks773
Vegetation index (NDVI)0.54

Would you move here?

Spain, the Country

Can You Actually Live Here?

What You Can Actually Do Here

Who's Running the Show

Democracy index: 8.1/10

Who's Running the Show

Politics, freedom, and press independence

What Will Break 6 Months In

!
Language

English works for coffee orders. For healthcare appointments and government offices, you'll want at least survival Spanish.

!
Bureaucracy

The system works. It just works on its own schedule. Government offices close early, queues are real, and patience is mandatory.

English in Bilbao

Moderate

English in Bilbao

62
/100 country-level baselineModerate level (EF EPI)

Primary language is Spanish.

English at work62/100 · Workable

English works in some professional settings, but not by default.

English on the street37/100 · Patchy

Street-level English is inconsistent. Expect translation apps and some local-language homework.

Office English follows EF EPI. Street English is stricter because landlords, clinics, and bureaucracy usually lag behind workplace English.

Language distance: Slavic: manageable · Romance: easy · Germanic: manageable

Source: EF English Proficiency Index

Will the Lights Stay On?

Bilbao — FAQ

7 questions answered

Bilbao — Frequently Asked Questions

How safe is Bilbao, really?

Bilbao has a homicide rate of 0.7 per 100,000 people (source: UNODC), making it very safe. The world average is around 5.8 per 100,000. As with any city, awareness of local neighborhoods is recommended before settling.

What's the real cost of living in Bilbao?

A 1-bedroom apartment in Bilbao city centre costs around $1259/month (Numbeo data). Day-to-day: a cheap restaurant meal: $21.08, monthly transit pass: $53. A single person can expect total monthly costs of roughly $1659–$2059 depending on lifestyle — covering rent, food, transport, and utilities.

What's the weather actually like in Bilbao?

Bilbao has Summers reach around 25°C with about 15.3 hours of daylight in Jun, winters drop to around 6°C and 9 hours of daylight in Dec. Summers are warm and pleasant for most people.

Can you get by in Bilbao without the local language?

Bilbao has Moderate country-level English proficiency (EF EPI), but that splits into two settler questions: office English 62/100 and street English 37/100. Office English tells you whether work can stay in English. Street English tells you what happens with doctors, landlords, and bureaucracy.

Is Bilbao actually worth settling in long-term?

Bilbao is in Spain, which scores 8.1/10 on the EIU Democracy Index. Strong institutions and rule of law make it a stable choice for long-term settlement. Rent from $1259/month.

What's the job market really like in Bilbao?

Spain has an unemployment rate of 10.4%, indicating a challenging job market; many expats rely on remote work or bring skills from abroad. For settlers planning to work locally, research your industry before committing. Remote workers and self-employed expats are less affected by local employment conditions.

Is Bilbao any good for expats?

Bilbao attracts expats looking for long-term relocation in Spain. Key facts: rent from $1259/month; moderate English proficiency means expats may need some local language. The Livability Score, safety data, and cost of living figures above give a data-driven picture of what to expect when settling here.

🛂

Can you actually move to Spain?

Check real visa paths based on your passport, profession, and savings. Not the tourist visa — the one that lets you stay.

Check visa options for Spain →
Show full data table

🇪🇸 Bilbao

Very safeBeachRising economy
Total expenses

$2,147/ mo

Rent: $1259 · Rest: $888

💇 That's 61 haircuts/mo

Healthcare

87/100

Summer

😊 25°C

Winter

❄️ 6°C

Spain

Economics · World Bank / IMF

GDP per capita (PPP)2024

$57,965

GDP Growth2024

+3.5%

Inflation Rate2024

2.8%

Unemployment2025

10.4%

Gini Index2023

33.4

Population2025

351,124

Politics · EIU / Freedom House

Democracy Index

8.123rd

Regime

Full democracy

Safety · UNODC / Numbeo

Homicide per 100K

0.7

Language · EF EPI

Languages

Spanish (I)

English Proficiency

Moderate35th