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Home Countries Europe

The Top 8 Affordable Retirement Options In Europe

Dollar-Euro Parity Means It’s Time To Make Your Europe Dreams Come True

Kathleen Peddicord by Kathleen Peddicord
Aug 24, 2022
in Europe, Lifestyle, Retirement/Living
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Asia is the world’s cheapest place to live, full stop. However, Latin America also offers a very low cost of living, and without a 15+ hour flight to the opposite side of the planet. And Europe? It boasts the world’s best quality of life, the best health care systems, and the widest range of lifestyle options. But it always comes at a hefty cost… right? Are there any affordable retirement options in Europe?

Yes! In fact, as someone who lives in both regions, I can tell you from experience that my family actually spends less while in Paris than when we’re in Panama…

Especially right now with the dollar at an historic high versus the euro.

How could it be possible that, for Lief and me, Paris is cheaper than Panama City? Take a look:

1. In Latin America, a car is more or less a requirement

That means paying for a car, and then paying for insurance, maintenance, and gas. In Paris and most European cities, where walking is a free pleasure and the metro is cheap, our transportation costs drop to nearly zero.

2. City living in Europe means living in a smaller home

Practically speaking, it means I can’t go on shopping sprees to fill spaces and rooms with new furniture and bric-a-brac. It also means I don’t need the same help with household chores, nor the cost of a maid in Europe.

3. Europe prides itself on fresh, whole foods sourced from the Continent

Aside from being healthier, the open-market food in Europe is much cheaper than imports or processed and frozen foods popular in many parts of the world…

4. In Europe, your utility bills will plummet

As I said before, you’re living in a smaller dwelling. But in Panama, we run the A/C nearly 100% of the time thanks to year-round humidity, sun, and warm weather. With more temperate climates, the majority of Europeans opt for fans over air conditioning…

5. The best entertainment in Europe is cheap or free

Whether its people watching at a café, relaxing on a beach, heading to the museum on monthly free-days, or reading a book in the park, Europe boasts lifetimes of free activities to keep you happy.

Of course, there are some tricks… which my husband Lief and I have learned over time… and which I am very happy to share.

But here’s my point:

Europe—home to the world’s elite retirement havens—is NOT beyond your reach.

We know of 10 different countries here, including France, where you could live well on about US$1,500 a month.

Now, you’ll want some guidance…

But, once armed with the right insights and the right destinations, you’ll be amazed at how easy it actually is to enjoy the good life in Europe at a cost you can easily afford.

Better yet, I’d like to show you all of the wisdom and insights that I and my European network have gained over the past several decades…

Where are the most affordable destinations in Europe?

Where are the outright best places to live?

And what do you need to know before you make your move?

Our acclaimed Live And Invest In Europe Virtual Conference is the most accurate and honest option for answering those questions.

After 12 years of reader requests, our Virtual Conference system breakthrough during the pandemic finally gave us a way to host an event like this…

An event where we can help you compare and contrast 10 of our favorite countries in Europe—as well as several appealing regions and towns within each—all while providing insights, tips, and tricks on making your new life in Europe as easy, affordable, and hassle-free as possible.

The time to chase your dream of a new life in the Old World is right now.

You have a window of opportunity, today, to make that dream come true… even if your budget is very small.

Here are complete details of the event we’re planning.

If you’ve ever fantasized about embracing the good life in France or Italy… Portugal or Spain… or anywhere on the Continent…

This is your chance.

Please don’t let it pass you by.

Start Your New Life Today, Overseas

A world full of fun, adventure, and profit awaits! Sign up for our free daily e-letter, Overseas Opportunity Letter, and we'll send you a FREE report on the 10 Best Places To Retire In Style Overseas Today

So, where are the most affordable destinations in Europe?

How about…

1. Portugal

algarve portugal retirement
Credit: AdobeStock/ulia Lavrinenko

A sunny and surprisingly affordable European destination and our long-standing choice for the world’s best place to retire overseas, Portugal is one of the world’s most popular expat destinations, meaning you could get by on English alone if you wanted…

2. France

Eiffel Tower and city skyline, Paris, France
Alamy/RooM the Agency

Boasting the world’s best health care and the world’s most beautiful city, France, including even parts of Paris, can be much more affordable than you might imagine, especially thanks to a relatively weak euro…

3. Slovenia

Ljubljana, Slovenia
iStock/Gatsi

A newcomer to our list of Europe’s best expat and retirement havens, Slovenia is an incredibly safe and cultured destination whose affordability is only outmatched by its beauty…

4. Malta

Marsaxlokk Harbor, Malta
iStock/ZoltanGabor

Long a favorite among the British, this Mediterranean island boasts rich culture, stunning vistas, and easy, cheap requirements for EU residency…

5. Italy

Panoramic view of beautiful Amalfi on hills leading down to coast, Campania, Italy.
Adobe Stock/IgorZh

Your dream of la dolce vita is more affordable than you think. In our top region in this country, you could ski in the morning then spend the afternoon surfing and lazing on the beach… all even on a very modest budget…

6. Montenegro

Marina in Tivat on cloudy day, Montenegro
Alamy/Aygul Sarvarova

Another recent addition to our list, this coastal nation sits across the Adriatic Sea from Italy and is one of your most affordable options in the Old World…

7. Spain

Malaga, Spain at dawn with colorful buildings and the sea in the background.
Alamy/Sean Pavone

An established haven for foreign investors and expats, Spain offers great beaches, markets, restaurants, and a fiesta lifestyle…

8. Cyprus

Beautiful natural rock arch in Ayia Napa on Cyprus
Adobe Stock/zinaidasopina112

This undiscovered jewel is perhaps the most affordable place to retire well in Europe. Cyprus offers the best of the Med at a fraction the cost…

Sincerely,
Kathleen Peddicord signature
Kathleen Peddicord
Founding Publisher, Overseas Opportunity Letter

Tags: 'France''Italy'Affordable Retirement Options In Europecost of living in europecypruslive in europeMaltaMontenegroParisPortugalretire in europeSloveniaSpain'
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Kathleen Peddicord

Kathleen Peddicord

Kathleen Peddicord has covered the live, retire, and do business overseas beat for more than 30 years and is considered the world's foremost authority on these subjects. She has traveled to more than 75 countries, invested in real estate in 21, established businesses in 7, renovated historic properties in 6, and educated her children in 4.

Kathleen has moved children, staff, enterprises, household goods, and pets across three continents, from the East Coast of the United States to Waterford, Ireland... then to Paris, France... next to Panama City, where she has based her Live and Invest Overseas business. Most recently, Kathleen and her husband Lief Simon are dividing their time between Panama and Paris.

Kathleen was a partner with Agora Publishing’s International Living group for 23 years. In that capacity, she opened her first office overseas, in Waterford, Ireland, where she managed a staff of up to 30 employees for more than 10 years. Kathleen also opened, staffed, and operated International Living publishing and real estate marketing offices in Panama City, Panama; Granada, Nicaragua; Roatan, Honduras; San Miguel de Allende, Mexico; Quito, Ecuador; and Paris, France.

Kathleen moved on from her role with Agora in 2007 and launched her Live and Invest Overseas group in 2008. In the years since, she has built Live and Invest Overseas into a successful, recognized, and respected multi-million-dollar business that employs a staff of 35 in Panama City and dozens of writers and other resources around the world.

Kathleen has been quoted by The New York Times, Money magazine, MSNBC, Yahoo Finance, the AARP, and beyond. She has appeared often on radio and television (including Bloomberg and CNBC) and speaks regularly on topics to do with living, retiring, investing, and doing business around the world.

In addition to her own daily e-letter, the Overseas Opportunity Letter, with a circulation of more than 300,000 readers, Kathleen writes regularly for U.S. News & World Report and Forbes.

Her newest book, "How to Retire Overseas: Everything You Need to Know to Live Well (for Less) Abroad," published by Penguin Random House, is the culmination of decades of personal experience living and investing around the world.

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