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  • Average yearly wage: 23,000 EUR
  • Average retirement age: 65 years and 10 months
  • Average weekly working hours: 38.5 hours
  • Currency: Euro (EUR)

Living in Costa Calida

Nestled between Spain's Costa Blanca and Costa Almeria is Costa Calida, or "warm coast", which is renowned for its year-round sunshine and spectacular coastline.

Boasting more affordable properties than the Costa del Sol and the northern Costa Blanca, Costa Calida is also more cosmopolitan than its neighbouring southern Costa Blanca. The region is served by two airports, at Alicante and Corvera, and attracts visitors throughout the year seeking to enjoy high temperatures, dry heat, golden beaches and historic towns.

There are thriving expat communities throughout the Costa Calida but if you're thinking of moving to Murcia, Cartagena, or elsewhere in the region, you can take advantage of professional financial planning to ensure you make the right choices for your personal circumstances.

Cost of living in Costa Calida

  • Pint of beer: 2.02 EUR (£1.80)
  • Cappuccino: 1.40 EUR (£1.25)
  • Meal in a restaurant: 9.85 EUR (£8.77)
  • Monthly public transport pass: 25 EUR (£22.26)

Benefits of living in Costa Calida

The Costa Calida's temperate weather and outstanding golf courses are just part of the allure that brings tourists and expats to the area.

Health-giving climate

The climate in Costa Calida appeals to everyone but it has particular benefits for sufferers of rheumatism, arthritis and asthma thanks to its dry heat. Its 320 days of sunshine a year offer endless mental health benefits, and the inland lagoon at Mar Menor provides communal facilities for skin treatments at no cost. If you love the idea of a healthy life by the sea, moving to Costa Calida could be for you.

Sports and leisure

If you're a keen golfer or a tennis player, you're probably already aware of the remarkably high standard of facilities for both sports available across Costa Calida. Those living in Murcia benefit from having El Valle Golf on their doorstep, with the backdrop of the Murcian mountains to enjoy as they play a course designed by Jack Nicklaus himself. Of course, it's not just land-based facilities that make Costa Calida a sporting hotbed: there are world class water sports centres throughout the region, offering diving, windsurfing, sailing and canoeing.

Food and drink 

With fine wines from nearby Jumilla and a unique selection of fresh seafood from the Mar Menor and the Mediterranean, Costa Calida is a foodie paradise. The entire region boasts outstanding restaurants and food markets, but if you're looking for some exceptional, authentic Spanish cuisine then you should know that Murcia is renowned for its tapas, with many leading chefs backing it as Spain's very best.

Best areas to move to in Costa Calida

Costa Calida is home to metropolitan cities, bustling port towns, and quaint, historic rural villages and resorts. The coast often grabs the most attention thanks to Costa Calida's miles of white sandy beaches and warm seas, but there is huge variety to be found once you step inland.


  • Pint of beer: 2 EUR (£1.78)
  • Cappuccino: 1.43 EUR (£1.27)
  • Meal in a restaurant: 10 EUR (£8.89)
  • Monthly public transport pass: 25 EUR (£22.23)
  • Population: 447,182

 Murcia is the capital of the region and the seventh largest city in Spain, and though it is located 30 minutes inland off the coast, moving to Murcia nevertheless affords wonderful access to the myriad joys of Costa Calida. The city is known for its gastronomy but also for its spectacular architecture, with the Cathedral of Murcia and several Baroque buildings attracting visitors all year round. Agriculture and tourism form the backbone of the city's economy, with wine and tomatoes both exported from Murcia all around the world, and the city's 13 per cent international population benefits from Murcia's three universities and excellent public and private schools.


  • Pint of beer: 2.25 EUR (£2.00)
  • Cappuccino: 1.43 EUR (£1.27)
  • Meal in a restaurant: 10 EUR (£8.89)
  • Monthly public transport pass: 25 EUR (£22.23)
  • Population: 213,943

 Cartagena is an attractive Spanish city built upon successful mining and shipbuilding industries. With cheaper property than Murcia but a comparable quality of life, Cartagena's popularity is on the up and its pedestrianised shopping streets and modern coastal bars create a bustling atmosphere. Murcia San Javier airport is just 31km from Cartagena, where you can buy a renovated. two- or three-bedroom apartment in the city for under €100,000 – not bad for a place in a beautifully preserved historic city with exceptional biodiversity right on the doorstep.


  • Pint of beer: 1.81 EUR (£1.61)
  • Cappuccino: 1.36 EUR (£1.21)
  • Meal in a restaurant: 9.56 EUR (8.50)
  • Population: 31,562

 Comprising of 13 towns and villages, the municipality of Mazarron dates back to the stone age, but now thrives as a farming and fishing hub that attracts tourists who love to explore its rich and diverse history. Prehistoric and Roman landmarks and artefacts can be found throughout Mazarron, which boasts a number of quality schools as well as excellent healthcare facilities. Tourists from around Spain and Northern Europe visit Mazarron throughout the year, and there is a growing expat community who adore the area's temperate spring and autumn climates.

Managing your finances in Costa Calida

If Costa Calida appeals to you and you are interested in moving to the area, you can make the transition to Spain easier on yourself by speaking to us about your financial arrangements.

Blacktower's team in the south of Spain is on hand to assist you with tax planning, pension planning, and pension transfer schemes, and we can also make sure that your savings and investments are managed in a way that best suits your needs.

We offer tailored advice on your wealth management needs, and our financial advisers are always here to discuss SIPPs or QROPS ahead of your move to Spain.

To get in touch, simply fill out the contact form above, or call us directly on +351 289 355 685.

Click here for more information for Residents of Spain with UK Pensions.

Below, Keith Littlewood, Regional Manager, explains how he can help you as an expat in Spain. Whether you're concerned about tax law, fiscal residency or your general financial good health, Keith can assist you in making the most of your wealth.


Keith Littlewood

Regional Manager

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