Townleap

Cost of Living: Bilbao vs Split (2026)

Spain vs Croatia — relocation comparison

Your passport:
Bilbao
Split
$1,259/mo
Rent

1BR centre

$1,077/mo
$4k/yr
Take-home savings

At each city's local median pay

−$9k/yr
5 yr
PR path
Beckham Law (Régimen Especial), Startups Law — Entrepreneur & Remote-Worker Route into Beckham (Limited)
Tax breaks

Open incentive regimes for newcomers

Freelance setup
Autónomo
  • No VAT exemption
  • €1800/yr accountant
WiseStripe
Obrt
  • VAT-free under €40k
  • 37% social
  • €450/yr accountant
WiseStripe

Sourced from Numbeo · Updated April 2026

TL;DRSplit is 15% cheaper on rent ($1,077/mo vs $1,259/mo). Bilbao scores 8.1 vs 6.5 on democracy. Both are solid options for settling down — the spreadsheet won't save you from this one.
Too close to call — 73 vs 70. Bilbao has a slight edge, but Split might suit you better depending on your priorities.
How the livability score breaks down
Bilbao
Split
16.7/25
💰 Affordability
18.5/25
14.3/15
🔒 Violent Crime
14.2/15
5.1/10
🛡️ Perceived Safety
7/10
5.3/15
Internet
5.3/15
12.2/15
🗳️ Democracy
9.8/15
6.3/10
🗣️ English
8.9/10
9.9/10
☀️ Climate
7.7/10
7.2/10
📊 Stability
7/10
9.7/10
🚗 Road Safety
7/10
7.7/10
🕊️ Geopolitical Safety
5.9/10
Household
Bilbao
Metric
Split
$578/mo
🛒
Living costs (no rent)
lower is better
$670/mo
$6,395
🧳
Cost to land
lower is better
$5,244
84 / 100
🛡️
Settler safety
higher is better
78 / 100
0.7 / 100k
🔒
Homicides
lower is better
0.8 / 100k
3.5 / 100k
🚗
Road deaths
lower is better
8.1 / 100k
51 / 100
🚨
Safety Index
higher is better
70 / 100
77°F
☀️
Summer high
personal taste
86°F
43°F
❄️
Winter low
personal taste
39°F
10.1 μg/m³
🌬️
Air quality (PM2.5)
lower is better
8.9 μg/m³
87 / 100
🏥
Healthcare
higher is better
77 / 100
8.1 / 10
🗳️
Democracy
higher is better
6.5 / 10
7.4 / 9
🤝
Migrant acceptance
higher is better
1.8 / 9
76 / 100
🏳️‍🌈
Rainbow Index
higher is better
50 / 100
38/100
🗣️
Street English
higher is better
74/100
$58k
💼
GDP per capita (PPP)
higher is better
$50k
2.8% · Boringly steady
📈
Inflation
lower is better
3.0% · Boringly steady
90/100
🗽
Freedom House
higher is better
A median Software Engineer in Bilbao takes home $3,350/mo under Standard employee. In Split: $2,122/mo under Standard employee.
$1,228/mo more in Bilbao
🎯 Bilbao's Beckham Law (Régimen Especial) isn't modelled above — if you qualify, take-home would be $3,470/mo instead.
Each city pays its own median — Software Engineer gross via Levels.fyi / Eurostat. Moving changes your salary too; that's the point.
$60k
💰
Gross income
$38k
−$16k
🏛️
Income tax
Standard employee
−$5k
−$4k
🛡️
Social contributions
−$8k
$40k/yr
$3k/mo
💵
Take-home pay
$25k/yr
$2k/mo
−$36k
🏠
Cost of living
−$34k
$4k/yr
🐖
Annual savings
−$9k/yr
Swap the local medians for your actual number

Sources: Numbeo · UNODC · Ookla · WHO · EIU · Gallup · World Bank · Freedom House · Updated April 2026

💰
Cost of Living
Split
$183/mo cheaper on rent alone
🗳️
Democracy
Bilbao
8.1/10 EIU index
☀️
Weather
77°F vs 86°F summers
🗣️
English
Split
higher proficiency score

Sun

How much sky you actually get

34% clear
Win
Spr
Sum
Fall
Sky clear
avg daytime
59% clear
Win
Spr
Sum
Fall
9.0h
Shortest day
Dec
8.9h
15.3h
Longest day
Jun
15.4h

Sun clocks out before 5pm in both cities come December. Plan accordingly.

Source: WeatherSpark (clear-sky share of daytime hours)

Settler Essentials

Democracy trend
stable
improving
Inflation trend
improving
Moderate
🇺🇸 Your visa
Easy
EU visa
Complex
RU visa
Moderate
UA visa
Conditional (1+ yr)
pareja de hecho
Partner pathway
Conditional (3+ yr)
izvanbračna zajednica / životno partnerstvo (same-sex)

Visa stamps:Easy <90 daysModerate 3–6 moComplex 6+ mo

Sources: EIU · Freedom House · Startup Genome · official immigration portals

Reproductive Rights

Because your body shouldn't need a visa too

On request
Abortion access
On request
14 wk
Gestational limit
10 wk

On request up to 14 weeks. 2023 reform removed mandatory waiting period.

On request up to 10 weeks. Access limited in practice due to widespread conscientious objection.

Source: Center for Reproductive Rights

LGBTQ+ Rights

Can you hold hands without doing a risk assessment first

Legal
Marriage
Civil union
Joint adoption
Adoption
Step-child only
Yes
Job protection
Yes
Yes
Hate crime law
Yes

Bilbao vs Split — Common Questions

Is Bilbao cheaper than Split?

Split is cheaper. A 1-bedroom apartment in city centre costs around $1077/month there vs $1259/month in the other city (Numbeo data).

Which is safer, Bilbao or Split?

Bilbao is statistically safer based on UNODC homicide data. Bilbao has a rate of 0.69 per 100,000 and Split has 0.77 per 100,000.

Should I move to Bilbao or Split?

Too close to call — 73 vs 70. Bilbao has a slight edge, but Split might suit you better depending on your priorities. See the full comparison above for rent, safety, internet speed, climate, and democracy scores to decide which city fits your priorities.

Which has better weather, Bilbao or Split?

Split is warmer in summer (86°F vs 77°F). Bilbao has milder summers, which suits those who prefer cooler weather. Climate preference is personal — use the weather section above to compare seasons.

Can I live in Bilbao or Split without speaking the local language?

Split is easier for street-level English (74/100) than Bilbao (38/100). That's the score that matters for doctors, landlords, and bureaucracy. Office English can still run higher than street English in both cities.

What's the cost of rent in Bilbao vs Split?

A 1-bedroom in the centre: $1077/month in Split, $1259/month in Bilbao (Numbeo). That's 15% cheaper rent in Split.

Is Bilbao or Split better for democracy and rule of law?

Bilbao scores 8.1/10 on the EIU Democracy Index vs 6.5/10 for Split. That puts it in 'full democracy' territory — free press, independent courts, the works.

Is healthcare better in Bilbao or Split?

Bilbao scores higher on our composite healthcare index (87/100 vs 77/100 for Split). That score combines clinical outcomes (IHME), universal coverage (WHO), and resident perception (Numbeo) — not just whether hospitals exist but whether the system actually works for settlers.

Plot twist: other matchups exist

Maybe the real city was the comparisons we made along the way.

Let the algorithm judge you

2 min quiz — surprisingly accurate

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