Moving to Greece: an ultimate guide for Americans, Brits and EU passport holders

Relocating to Greece has long been a dream for retirees, digital nomads, students, and investors who are drawn to its warm Mediterranean climate, affordable lifestyle, and rich cultural heritage. According to the Greek Ministry of Migration and Asylum, over 50,000 non-EU citizens received residence permits in 2024, reflecting Greece’s growing appeal as an expatriate destination. Moving to Greece involves comprehensive planning around visas, residence permits, taxes, and healthcare. This guide consolidates official information from Greek government sources and practical experience to help you navigate the process with confidence.

Moving to Greece is an immersion into a lifestyle where history breathes from every stone, and the pace of life is set by the sun and the sea. You’ll settle into a culture deeply proud of its incredible heritage, from ancient temples to Byzantine villages, yet wonderfully focused on the present moment—the shared joy of a long meal.

This famously laid-back attitude, the ‘siga-siga’ (slowly, slowly) approach, is woven into daily life, inviting you to linger over strong coffee and conversation. It’s a place where the vibrant, welcoming people treat strangers like friends, and your diet effortlessly transforms to include the freshest olives, feta, and grilled seafood, making the infamous bureaucracy of the move feel like a worthwhile price for a truly richer way of living.

Moving to Greece as an American

As of this writing, U.S. citizens can enjoy visa-free travel to Greece for up to 90 days. This privilege operates on a rolling 180-day schedule, meaning you can stay for 90 days within any consecutive 180-day period. Greece is one of the best countries to move to as an American.

However, a crucial rule often catches travelers by surprise: this 90-day limit applies to the entire Schengen Zone—a group of European countries that have abolished passport controls at their mutual borders. You can learn more about the zone and its members here.

Visa Options for Moving to Greece

With an EU passport, moving to Greece is a right, requiring only a straightforward registration process. For British or North American passport holders, it is a complex and often challenging privilege, involving strict visa quotas, extensive paperwork, and proof of substantial income

According to the Ministry of Foreign Affairs and Ministry of Migration and Asylum Greece offers several visa categories for long-term residence. Each pathway has specific requirements and processing times documented on the National Visa Information System .

For short visits, citizens of many countries can apply for a Schengen Visa (Type C), which allows stays of up to 90 days within a 180-day period. As of June 2024, the fee is €90 for adults and €45 for children aged 6 to 11. This type of visa is primarily for tourism, family visits, or short-term business trips and cannot be converted into long-term residency.

Those planning to stay longer will need a National Visa (Type D). This is the gateway to most residence permits in Greece. The standard fee is €180, while students typically pay €90. After arrival, the visa holder must apply for a residence permit at the local immigration office.

A popular option among remote workers is the Digital Nomad Visa, introduced in 2021 under Law 4825/2021. To qualify, applicants must demonstrate a net monthly income of at least €3,500, with additional amounts required for family members (20% more for a spouse, 15% more per child). This visa is valid for one year and renewable for up to two additional years. Applicants must also maintain private health insurance until they are integrated into the Greek healthcare system.

Another path is the Financially Independent Person (FIP) Visa, designed for individuals who can support themselves without working in Greece. The typical income requirement is around €2,000 per month per applicant, with supplements for spouses and children. Like the Digital Nomad Visa, it requires proof of private health insurance and is attractive to early retirees or those with independent income streams.

For investors, the Greece Golden Visa remains a popular choice, though thresholds were updated significantly in 2024. As of 2025, the minimum investment is €800,000 in high-demand areas such as central Athens, Thessaloniki, Mykonos, and Santorini. In other regions, the requirement is €400,000. A reduced threshold of €250,000 applies in cases involving specific renovation projects or listed properties. The Greek Golden Visa offers a five-year residence permit, and notably, it has no minimum stay requirement. However, tax residency rules apply separately and may affect your obligations if you spend more than 183 days per year in Greece.

Comparatively, the Portugal Golden Visa program has also attracted global investors, though recent changes have limited investment to specific funds and projects rather than real estate. Those choosing between the two should weigh Greece’s continued real estate investment options, which can be more straightforward than Portugal’s fund route.

Other categories include student visas, work visas tied to employment contracts, and family reunification visas. These typically carry the standard €180 fee and require relevant supporting documentation, such as proof of acceptance to a Greek university, a signed employment contract, or official family certificates.

For those entering Greece to work or study, the visa requirements are clear and specific. Work visas are tied to a formal employment contract with a Greek employer. Applicants must submit a signed contract, evidence of qualifications, proof of sufficient income, health insurance, and a clean criminal record. The cost for most work visas is the standard €180 fee. The validity of the permit usually matches the length of the employment contract, with renewal possible if the job continues.

Student visas are designed for international students enrolled in Greek universities or accredited institutions. These typically cost €90 and require proof of acceptance to a Greek university, evidence of adequate financial resources to cover living expenses, and valid health insurance. Student visas generally last for the duration of the academic program and may be renewed if studies are extended.

Visa Options for Moving to Greece (2025)

Source: Ministry of Migration and Asylum & Ministry of Foreign Affairs

Note: All fees and processing times are current as of August 2025. Requirements may vary based on nationality and specific circumstances.

Visa Application Essentials

The visa application process can be lengthy and requires patience. Applicants should prepare documents months in advance, including translations and apostilles. Whether applying from the United States, the UK, or elsewhere, always confirm requirements with the nearest Greek consulate. Missing paperwork or incorrect formatting is one of the most common reasons for delays.

From Visa to Residency and Citizenship

After obtaining a Type-D visa, most newcomers must apply for a Greek residence permit. The permit’s validity depends on the visa category: Digital Nomad Visas are usually renewed every two years, Financially Independent Visas are typically valid for two years, and work or student permits are tied to the duration of contracts or study programs.

Permanent residency can be granted after five years of legal residence, provided the applicant has met the renewal requirements. Citizenship is possible after seven years of continuous legal residence, with shorter periods for EU citizens, refugees, or those married to a Greek citizen. Naturalization requires passing Greek language and civic knowledge exams, so preparation is essential.

Applicants should be ready to provide a range of documents, including an apostilled and translated criminal record, proof of income, a registered lease agreement or property deed, and valid health insurance.

Getting a tax identification number

One of the first administrative tasks when moving to Greece is obtaining an AFM (Αριθμός Φορολογικού Μητρώου), the Greek tax identification number. According to the Independent Authority for Public Revenue (AADE – aade.gr), the AFM is mandatory for:

Opening Greek bank accounts

Signing rental agreements

Setting up utilities

Purchasing real estate

Employment contracts

Public Healthcare System in Greece

Healthcare access depends on your nationality and visa type. EU citizens can use the European Health Insurance Card (EHIC) for short-term stays, but long-term residents must register for an AMKA number, which grants access to the national healthcare system (EOPYY). Non-EU nationals must show proof of private health insurance until they are legally integrated into the public system. Retirees from countries with reciprocal agreements, such as the UK, may be able to access the system via an S1 form.

Real Estate Investment in Greece

Real estate plays a major role in immigration pathways. The Greek Golden Visa program is tied to real estate investment, making it attractive to global investors. Whether you are buying a seaside apartment in Crete or a renovation project in Athens, investments start at €250,000 for select categories. Real estate also appeals to retirees and expats seeking a lower cost of living compared to many Western European capitals. Property prices remain competitive compared to Lisbon or Barcelona, making Greece golden for long-term lifestyle investments.

Retirement in Greece

Many expats consider Greece for retirement, thanks to its climate, lower cost of living, and relaxed pace of life. While Greece does not have a dedicated “retirement visa,” the Financially Independent Person Visa often serves this purpose. Retirees must show stable income, private health insurance, and a clean criminal record. Real estate ownership can strengthen an application, especially if paired with a long-term lease or property deed.

The Sun vs. The Pound and Dollar: A Realistic Look at the Cost of Living in Greece

Beyond the dreamy images of whitewashed villages and azure seas lies the practical question: how does the cost of living in Greece truly compare?

The short answer is that Greece is significantly more affordable than both the UK and the USA, especially outside of its premium tourist hotspots. However, this lower cost comes with an important caveat: average local salaries are also much lower. For remote workers, retirees, or those with foreign-sourced income, Greece offers an exceptional quality of life for a fraction of the cost.

The Supermarket: Food and Groceries

This is where newcomers often experience the most pleasant shock. Food shopping in Greece is noticeably cheaper than in both the UK and the USA.

Local Produce is King: Greece’s climate allows for an abundance of fresh, local produce. A kilo of tomatoes, cucumbers, oranges, or olives will cost a small fraction of what you’d pay in a British or American supermarket. Shopping seasonally and at local laiki (farmers’ markets) amplifies these savings dramatically.

Staples and Essentials: Basic staples like olive oil, feta cheese, wine, and bread are incredibly affordable and of high quality. A litre of good local olive oil can be found for €5-€8, while a 200g block of feta is often around €2-€3. A decent bottle of Greek wine starts at around €5.

Comparison: Overall, your grocery bill in Greece could be 30-50% lower than in the UK and even more so compared to major US cities. Imported goods and international brands will be more expensive, but embracing the local diet is both a cultural experience and a wallet-friendly choice.

Finding Your Greek Home: Rental Costs and Process

This is the area with the most variation. Rental costs are highly dependent on location, swinging from bargain to luxury price tags.

Average Rental Costs (Monthly):

City Centre (Athens/Thessaloniki): A one-bedroom apartment in a decent area of Athens will typically range from €400 to €700. A similar apartment in London would easily cost £1,800+ (€2,100+) and in a major US city like NYC or LA, $3,000+ (€2,750+).

Suburbs (Outside City Centre): Moving slightly out of the centre, prices can drop to €300 – €500 for a one-bedroom apartment.

Islands (Cyclades, e.g., Mykonos/Santorini): During peak season, prices skyrocket due to tourism. A one-bedroom can easily be €1,000 – €2,000+. In the off-season, however, long-term rentals become much more affordable, sometimes matching Athens prices.

Mainland & Lesser-Known Islands: For the best value, look to the Peloponnese, Crete’s smaller towns, or islands like Naxos or Paros outside the very peak months. Here, you can find charming traditional homes for €250 – €450 per month.

Requirements for Renting:

The process in Greece is generally less formal than in the UK or USA, but you should be prepared.

Proof of Income: Landlords will want assurance you can pay. For foreigners, this could be recent bank statements, a contract of employment, or proof of pension/savings.

Security Deposit: Typically, this is one or two months’ rent, paid upfront alongside the first month’s rent.

Contract Registration: A legally binding contract (synallagiki symvasi) is standard. By law, it must be registered with the Greek tax authority (EFKA), which protects both tenant and landlord. Ensure your contract is registered.

Furnished vs. Unfurnished: Many rentals, especially aimed at expats, come fully furnished. Unfurnished apartments may lack even basic appliances like a fridge or oven, so always check.

The Overall Cost of Living: A Summary

To put it all together, let’s break down a monthly budget for a single person living in Athens versus London and a mid-tier US city (e.g., Chicago).

*Note: Conversions are approximate and based on average mid-2024 estimates. Prices vary greatly.*

The Verdict: Affordability with a Trade-Off

Greece wins hands-down on affordability for those spending in Euros, Pounds, or Dollars. Your money will stretch much further, particularly for housing, dining, and everyday groceries. The ability to enjoy a fantastic outdoor lifestyle, with coffee by the sea and dinners at tavernas, is accessible on a moderate budget.

However, the crucial context is the local economy. The average Greek salary is low (often €700-€1,200 net per month), making these same costs feel high for locals. Therefore, moving to Greece without a secure remote job, pension, or substantial savings can be challenging.

For the expat, digital nomad, or retiree, Greece offers a compelling proposition: a high quality of life in a beautiful setting without the financial pressure of Anglo-Saxon economies. It’s a chance to trade the hustle for the siga-siga (“slowly-slowly”) lifestyle, and your bank account will likely thank you for it.

Everyday Practicalities

Housing is one of the first steps after arrival. Rental agreements must be registered digitally with the Greek tax authority (myAADE), and landlords typically request one to two months’ rent as a deposit. To set up utilities, tenants need a local tax number (AFM).

Opening a bank account can be challenging without a residence permit or AFM, although some banks allow basic accounts. Bureaucracy is often slow, and applicants should expect multiple visits and requests for additional documents.

For transport, EU driving licenses remain valid in Greece. Non-EU license holders generally need to convert their licenses within six months, subject to reciprocity agreements between countries.

Personal Experiences and Common Challenges

From personal experience living abroad, one of the most challenging parts of relocating to Greece is the bureaucratic process. Appointments at immigration offices can be booked months in advance — in Athens, four to six months is common.

Translations must be officially certified, and missing even one required document can delay an application. Many expats find it worthwhile to hire a local immigration lawyer or consultant to navigate these complexities.

Patience is critical. Greek bureaucracy often requires repeated visits and follow-ups, but with preparation and persistence, most applicants succeed.

“Moving to Greece is an exercise in beautiful chaos. You learn to embrace the fact that some forms will require six stamps from an office that’s only open on Tuesdays between 10 and 11.” Ellen from USA.

“The Greek paradox: a culture that invented logic now runs on a system that is beautifully, bafflingly, and sometimes infuriatingly illogical. You either laugh or you cry. I’ve learned to laugh.” Mark from UK.

“Back home, a meeting is a transaction. In Greece, a meeting is an event. It comes with coffee, opinions, stories, and might never actually get to the point. And it’s infinitely better.” Marie from UK.

“They say ‘the customer is always right.’ In Greece, the philosophy is more ‘we are all human, let’s have a debate, then a coffee, and figure it out together.” Bob from USA.

“Came for the summer, stayed for the life.” Margaret from Ireland.

Frequently Asked Questions

Do I need a clean criminal record to move to Greece?
Yes, a clean criminal record is required for most long-stay visas and residence permits.

Can United States citizens apply for the Greek Golden Visa?
Yes, U.S. citizens can apply, provided they meet the real estate investment thresholds.

Does Greece offer a retirement visa?
Not officially — but the Financially Independent Person Visa functions as one for retirees with sufficient income.

How does the Greece Golden Visa compare to Portugal’s?
Greece still allows real estate investment, whereas Portugal’s options are now largely fund-based.

Is the cost of living lower in Greece than in Northern Europe?
Yes, daily expenses, rent, and groceries are generally cheaper in Greece, particularly outside Athens.

Final Thoughts

Greece offers multiple pathways for those seeking a new home, whether you’re a retiree, digital nomad, investor, or student. The process can be time-consuming, but once complete, you’ll enjoy life in a country renowned for its lifestyle, cuisine, and history.

Tips for success: Always confirm visa and fee requirements with your local Greek consulate, prepare documents months in advance, and budget for translation and apostille services. If your situation is complex, consulting a Greek immigration lawyer can save time and stress.

Greece rewards those who persevere through its paperwork. Once you’re settled, the benefits of living here — the sunshine, the food, the islands, and the pace of life — make the effort worthwhile.

Disclaimer: This article is for informational purposes only and does not constitute legal advice. Immigration and tax rules may change; always verify requirements with the Greek M| Information verified against:

Ministry of Migration and Asylum

Greek Government Portal

EU Immigration Portal

Disclaimer: Immigration and Legal Advice

The information provided regarding visas, residency permits, and healthcare requirements for Greece is for general informational purposes only. Immigration laws, fees, and processes are subject to change without notice. Information is up to date as of 2026.

This is not legal advice. For accurate, up-to-date guidance tailored to your specific situation, consult a qualified:

Greek immigration lawyer (registered with the Greek Bar Association).

Official government sources (e.g., Greek Ministry of Foreign Affairs or your local Greek consulate).

Licensed relocation expert specializing in Greek residency.

Fallen in love with Europe and thinking of moving here? Make sure you check our European Highlights guides along with our Central and Eastern European Guides

If you want to move to Europe Check out all my Living Abroad posts here

If you’re planning a full relocation, don’t forget to read our guide on moving a pet to Europe, which covers everything from paperwork to flights.