Best Cities to Retire in Portugal
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Portugal has become a popular destination for retirees from all over the world. It offers a combination of beautiful weather, stunning beaches, and rich cultural experiences that are difficult to resist.
With such a wide array of stunning regions to choose from, it can be difficult to decide where to settle down, and you may wonder 'where should I retire to in Portugal?'
How about we look at some of the top cities to retire in Portugal?
Why retire in Portugal as an expat?
Portugal has always been a popular choice for retirees because of its pleasant weather, with 300 days of sunshine per year, friendly residents, and affordable living expenses.
Furthermore, Portugal has a significantly older and more active population, for which the state provides support and services tailored to this age group. Add to it the country is considered one of the safest in the world and it also boasts political stability.
Portugal has a lot to offer, whether you have a dream of a coastal retreat, a historic city, a cozy and lush mountainous lifestyle, or a place where tradition meets modernity.
Who can retire in Portugal as an expat?
Can an EU citizen retire in Portugal?
Yes, you can!
You'll only need your national ID card, a Portuguese NIF, and head to your local council to apply for a CRUE.
Any national or country member of the EU/EEA or Switzerland is allowed to move to Portugal without a visa.
Can a non-EU citizen retire in Portugal?
Yes, but you'll need a residency visa.
Any non-EU national will need a visa to legally live in Portugal. For retirees, there are two visas that could easily fit your situation: the D7, or Passive Income or Retirement Visa, ideal for those who intend to live in Portugal and achieve the minimum threshold, or the D9, or Golden Visa, ideal for those who are seeking investment and are not prepared to fully move to Portugal.
Both of these visas grant Portuguese (and European) citizenship after five years of legal residency.
Why is Portugal a top retirement destination?
1.Affordable cost of living for retirees
Many retirees are attracted to Portugal because of its affordable cost of living. Portugal is considered one of the most affordable countries within the EU.
When you compare it to other Western European countries (like France, Germany, Netherlands or the Baltics) or the US, you'll notice that housing, healthcare, and everyday expenses are more affordable.
2.High quality of life for retired people
Achieving a high quality of life often involves having a stable income. Portugal is known for its high quality of life. This implies having access to quality healthcare, education, and opportunities for personal growth and happiness, with amenities and service with reduced costs, stretching pensions.
Portugal's excellent healthcare system, safety measures, and relaxed lifestyle contribute to its high quality of life. Here you can experience the benefits of a more relaxed lifestyle while still having access to all the conveniences of modern living.
3.Excellent healthcare for retirees
Portugal has a highly ranked healthcare system. The government fully funds the public healthcare system, which not only covers major healthcare needs such as doctor's appointments, exams, and procedures but also participates in medication, thereby significantly reducing healthcare costs.
And even though long lines are present in the public healthcare system, if you plan to avoid them, the private healthcare system in Portugal is extremely accessible, with several types of insurance to cover your needs, and at a low cost rate, with general practitioner appointments available at around 50 euros and specialty doctor appointments at around 90 euros.
4.Special Visa for retirees
Portugal welcomes senior citizens, and the 81-year-old life expectancy mark attests to the high quality of life here.
In addition to having its community and governmental organs prepared to provide a great quality of life to retirees, the country also offers an accessible visa designed specifically for those living in their golden years. With the requirement of an annual income equal to the Portuguese minimum wage (currently at 820 euros per month), those achieving this mark are on the way to receiving a residency visa, which can become European citizenship after just five years.
5.Portugal is an International community
Portuguese is the main and native language of Portugal; however, a large number of Portuguese speak English.
A great upside of being a tourist hotspot is how prepared Portugal is to receive the international community. The great majority of Portuguese residents speak English, and many others also speak Spanish, French, Italian, and even German.
Additionally, there are more than 1 million immigrants currently living in Portugal. For a country with 10 million inhabitants, this is immensely significant, and it confirms how prepared and welcoming the community can be.
Where to live as a retiree in Portugal?
Despite the fact that you are free to relocate anywhere in Portugal, some Portuguese areas are more suited for retirees than others.
Algarve and Silver Coast are the shining stars among retirees, but you could also follow in the footsteps of a few others who relocated to the Azores due to their remoteness or to a farm in Alentejo for a more hands-on lifestyle.
It's important, however, to check not only your main needs but also the access to services and support.
Lagos for retirees
Lagos is well-known for its beautiful golden beaches, stunning rugged cliffs, and delightful marina. The town has a relaxed lifestyle that is perfect for retirees who appreciate a combination of nature and culture. Its rich history and beautiful scenery add to its appeal.
The Algarve is a highly sought-after destination for retirees in Europe, and Lagos is particularly notable for its welcoming community atmosphere and convenient access to various amenities.
⚠️ In the Algarve, you'll find retirees from all over the world, but mainly, UK, USA, Canada, France, Germany and the Netherlands, with small communities of Italian nationals as well.
Weather in Lagos
Climate and natural beauty are two important aspects that contribute to the overall appeal of a place.
Lagos has more than 300 days of sunshine each year, which is great for people who enjoy outdoor activities (keep in mind, this is a golf heaven). The beaches in this area are considered to be some of the finest in Europe, and the surrounding natural scenery is absolutely stunning.
Lifestyle and community in Lagos
Lagos has a vibrant community of people from different countries, which makes it convenient to meet and socialize with other retirees. It is a hotspot for retirees who wish to live a beach lifestyle.
The city has a large number of expatriates living there, especially from the United Kingdom, Germany, and the Netherlands. There are many people who speak English and there are also many social clubs, expat groups, and international communities that plan activities for retirees, with golf being the top option.
The town provides a blend of traditional Portuguese culture and modern amenities. You'll find plenty of shops, restaurants, and cultural events to keep you entertained.
Cost of living in Lagos
Although the Algarve is typically pricier than inland areas, Lagos still provides good bang for your buck, especially during non-peak tourist times. Expatistan states that the cost of living in Lagos is approximately 15-20% lower than in Lisbon, which means it is a more affordable choice for retirees who want to live near the coast.
The average monthly rent for a one-bedroom apartment in the city center is typically between €750 and €900, however prices surges during the high season, aka, summer months. Moreover, the costs of utilities, dining out, and groceries are relatively affordable compared to other Western European countries.
Healthcare in Lagos
Lagos has a good healthcare system, offering a variety of private and public healthcare facilities. The Hospital São Gonçalo de Lagos and a number of private clinics provide medical services for both local residents and expatriates. If you require more advanced medical care, you can easily reach the larger public hospital in Portimão within a 20-minute drive.
There are many doctors who speak English because there are a lot of people from other countries living here. This makes it easy for retirees from other countries to get healthcare.
⚠️ In the same area you can also consider Portimão, Tavira, Olhão, Loulé and Albufeira, all of these are great destinations for retirees.
Santarém for retirees
If you enjoy peaceful surroundings with a rich historical background, Santarém could be the ideal destination for you.
It is a small city situated in the Ribatejo region, and well-known for its medieval architecture, traditional charm, and peaceful surroundings.
If you are a retiree who wants to experience genuine Portuguese culture and enjoy a peaceful lifestyle, Santarém is a great choice.
Weather in Santarém
Santarém has a Mediterranean climate, which means it has hot and dry summers, as well as mild and wet winters. The fact that it is located inland means that temperatures in the summer can be higher compared to coastal regions.
However, the climate overall is comfortable throughout the year, which makes it an appealing choice for people who prefer a slightly warmer environment.
Lifestyle and community in Santarém
Santarém is well-known for its stunning Gothic architecture. Visitors can admire landmarks such as the Church of Saint John of Alporão and enjoy the beautiful views of the Tagus River from the Portas do Sol gardens. The city is surrounded by beautiful rolling hills and vineyards, which creates an ideal environment for retirees who enjoy both history and nature.
The region provides a more relaxed and leisurely lifestyle in contrast to the bustling cities of Portugal. The local community is friendly and welcoming, and the small size of the city creates a close-knit and neighborly atmosphere. Retirees love the calm and peaceful environment, while also having easy access to all the amenities they need and cultural activities.
Cost of living in Santarém
Santarém is known for being a relatively inexpensive city in Portugal, with affordable housing and lower daily expenses. The average monthly rent for a one-bedroom apartment in the city center is usually between €600 and €750.
Santarém is a great option for retirees with a fixed budget because the cost of food, transportation, and utilities is relatively low, like in the rest of Portugal. Retirees can enjoy a comfortable lifestyle without financial strain due to the affordable cost of living.
Healthcare in Santarém
The healthcare system in Santarém is well-organized and includes both a public hospital, called Hospital Distrital de Santarém, and several private clinics that offer medical services.
The quality of care provided is excellent, and there are doctors who speak English available, particularly in private healthcare facilities. Retirees in Santarém have access to both public and private healthcare options, which means they can easily get the medical care they need without having to travel long distances.
Leiria for retirees
Leiria is a city located between Lisbon and Porto. It is known for its combination of a very traditional Portuguese culture and the modern lifestyle of a place located between the biggest cities in the country.
It is a city that is designed to meet the needs of retirees who are seeking a well-rounded and slow paced lifestyle.
Weather in Leiria
Leiria is a beautiful city that is surrounded by stunning forests, rolling hills, and picturesque rivers.
The weather in this area is pleasant, with comfortably warm summers and cool winters. It's ideal for people who appreciate the changing seasons without experiencing extreme temperatures.
Lifestyle and community in Leiria
Leiria is a city that has a rich history. It is known for its famous landmarks such as the Castle of Leiria and charming streets that capture the spirit of traditional Portugal. The city also holds many cultural festivals and events throughout the year, which creates a vibrant atmosphere for retirees who are interested in history and culture.
The region is not as popular with tourists as the Algarve, but it does have a small but gradually increasing number of expats, particularly from Europe. Many retirees who are looking for a genuine Portuguese experience, away from the busy tourist areas and closer to the mountains, are attracted to the environment of Leiria.
Cost of living in Leiria
Leiria has a much lower cost of living compared to larger cities such as Lisbon and Porto. The cost of housing is relatively low, with the average monthly rent for a one-bedroom apartment in the city center ranging from €500 to €750.
Retirees in the city can enjoy all the necessary amenities, such as supermarkets, healthcare facilities, and entertainment, without having to pay the higher costs typically found in larger cities. Retirees in Leiria enjoy a good balance between affordability and quality of life.
Healthcare in Leiria
The healthcare system in Leiria is well-regarded, and the region is fortunate to have a large public hospital called Hospital de Santo André. The city also has a number of private clinics that provide specialized care.
There are doctors who speak English and they can be found in private practices. They specifically serve the international community. Leiria's healthcare system is known for being efficient and easily accessible. It offers a wide range of services that retirees find valuable.
Silver Coast for retirees
The Silver Coast is a beautiful coastal area that retirees find to be a haven, especially for those seeking a calmer lifestyle in comparison with the Algarvian coast. Also known as "Costa de Prata," is a beautiful stretch of coastline located north of Lisbon.
It is famous for its breathtaking beaches, delightful towns, and laid-back atmosphere. Many retirees are increasingly drawn to this region because of its stunning landscapes and reasonable cost of living, when compared with Lisbon.
Weather in Silver Coast
The Silver Coast enjoys a maritime climate, with cooler temperatures than the Algarve. Summers are mild, with pleasant breezes coming off the Atlantic, while winters are relatively mild and wet.
This climate is ideal for those who enjoy moderate weather and wish to avoid the intense heat of southern Portugal, but also don't wish to live in the chiller North.
Lifestyle and community in Silver Coast
The Silver Coast is home to some of Portugal's most stunning and untouched beaches, as well as picturesque countryside and enchanting medieval towns. Retirees who are looking for a quieter lifestyle often prefer coastal towns such as Nazaré, Óbidos, and Caldas da Rainha.
The region is home to a smaller, yet steadily increasing community of expatriates. Retirees are often attracted to its relaxed atmosphere, affordable living expenses, and easy access to Lisbon.
Towns such as Peniche, Ericeira, and São Martinho do Porto have experienced an increase in the number of British, Dutch, and Scandinavian retirees over the past ten years. This has resulted in the formation of a friendly community that is open to newcomers.
Cost of living in Silver Coast
The affordability of the Silver Coast is one of its main attractions. The cost of living in this area is much lower compared to the Algarve or Lisbon. In particular, housing is quite affordable here. Idealista reports that the average monthly rent for a one-bedroom apartment in Caldas da Rainha is approximately €750-€850 (keep in mind, just like the Algarve, prices surge during summer months).
Moreover, everyday costs such as groceries, eating out, and healthcare are more affordable, enabling retirees to have a good quality of life without spending too much money.
Healthcare in Silver Coast
The Silver Coast has good healthcare services, including hospitals and clinics in towns such as Caldas da Rainha, Torres Vedras, and Leiria. These facilities offer a wide range of healthcare services and have healthcare providers who can speak English, thanks to the increasing number of expatriates living in the area.
The fact that the region is close to Lisbon means that retirees have easy access to high-quality medical facilities in case they need them. This provides retirees with a sense of security and peace of mind when it comes to their health needs.
⚠️ If rental cost is not a problem, great options nearby are also Cascais, Sintra, Estoril and Algés, all of these closer to Lisbon (therefore the higher housing cost), a bit more bustling, but still great areas to retire.
Coimbra for retirees
Coimbra is not as well-known as Lisbon and Porto, but it is still highly regarded by retirees for its rich culture and affordable living expenses.
The city is known for being an academic center, which adds to its lively atmosphere, due to its university, filled with cultural activities and historic charm.
Weather in Coimbra
Coimbra has a Mediterranean climate, which means it has hot and dry summers, as well as cool and wet winters.
The city experiences approximately 2,500 hours of sunshine each year. Spring and autumn are seasons with mild weather, providing comfortable temperatures and a moderate amount of sunshine.
During the summer, the weather is warm and sunny, whereas in the winter, there is more rain and cooler temperatures.
Lifestyle and community in Coimbra
Coimbra is a city that has been recognized by UNESCO for its historical and cultural significance. The University of Coimbra, which is one of the oldest universities in Europe, is not only popular among students but also among retirees who have a love for culture. Many people find pleasure in the slower pace of life while still being able to pursue intellectual and artistic interests.
The closeness to Serra da Estrela, a mountainous area in Portugal, also offers a lush background for those who prefer a greener lifestyle.
Coimbra is home to a growing community of expats, particularly retirees from the UK, France, and Brazil, who have chosen to settle here. Many expats often mention that one of the main reasons they choose Coimbra is because of the warm and friendly nature of the locals.
Cost of living in Coimbra
Coimbra is a city that provides a great combination of affordable living and a good quality of life. Numbeo states that the cost of living in Coimbra is approximately 25% less than in Lisbon.
The rental prices are quite appealing, as you can find a two-bedroom apartment in the city center for approximately €850 per month. Retirees who have a fixed income find this option attractive because it enables them to live comfortably without worrying about their finances.
Healthcare in Coimbra
Coimbra is well-known for its healthcare facilities and services in Portugal. The University Hospital of Coimbra, also known as Centro Hospitalar e Universitário de Coimbra (CHUC), is a highly regarded medical institution in Portugal. It is known for its advanced medical treatments and cutting-edge research, mainly due to the University of Coimbra ****spearheading modern researches.
Retirees have the advantage of having access to both public and private healthcare options. They can easily find doctors who speak English. Many people in retirement forums often mention that the quality and accessibility of healthcare are major advantages.
Setúbal for retirees
Setúbal is a beautiful city situated to the south of Lisbon. It is famous for its breathtaking natural surroundings, which include the Arrábida Natural Park and its picturesque beaches.
The city is located near Lisbon and has a relaxed coastal atmosphere, which makes it a popular choice for retirees.
Weather in Setúbal
Setúbal has a Mediterranean climate, which means it has hot and dry summers, as well as mild and wet winters.
The city enjoys approximately 2,900 hours of sunshine each year, with the summer months being particularly sunny and having long days.
Spring and autumn are usually nice and comfortable, while winter tends to have more rain but is still relatively mild.
Lifestyle and community in Setúbal
Setúbal provides the best of both worlds - being close to the amenities of the capital while still enjoying a quieter and more relaxed lifestyle. Retirees are often attracted to this area because it offers a mix of traditional Portuguese culture, delicious seafood dishes, and convenient access to both city life (Lisbon is a short train ride away) and natural surroundings.
Setúbal's community is becoming more diverse, although it is not as heavily influenced by expats as the Algarve or Lisbon. This mix allows retired individuals to become more immersed in the local culture while still maintaining social connections with other expatriates.
Cost of living in Setúbal
Setúbal is a more affordable option compared to several other coastal cities in Portugal, particularly because of its close proximity to Lisbon.
The cost of housing is quite lower than large city centers, with the average rent for a one-bedroom apartment in the city center ranging from €650 to €850. Retirees find that this option is affordable added to everyday expenses such as groceries and dining, making it a cost-effective choice.
Healthcare in Setúbal
Setúbal has excellent healthcare services, with the main hospital in the region being Hospital de São Bernardo. Aside from the public services, there are also various private clinics that provide specialized care.
Because it is close to Lisbon, residents can easily access the advanced medical facilities in the capital. This is a great advantage for retirees who want extended care and varied options.
Madeira for retirees
The capital of Madeira, Funchal, is well-known for its breathtaking landscapes, pleasant weather, and welcoming ambiance.
More and more retirees are choosing to live on the island because of its combination of stunning natural scenery and convenient city facilities.
Weather in Madeira
Funchal has a climate that is subtropical, which means it has mild and pleasant weather throughout the year. During the summer, the weather is warm and pleasant, without being excessively hot. There is usually a lot of sunshine and very little rain.
The winters in this area are relatively mild and tend to be wetter, although there are still plenty of sunny days.
The city experiences more than 2,800 hours of sunshine every year, which makes it a perfect place for outdoor activities all year round.
Lifestyle and community in Madeira
A great place for retirees who want to escape cold winters and enjoy an active lifestyle outdoors.
The island is home to a well-established community of British, German, and Scandinavian retirees. This diverse group of people contributes to a variety of social activities and support networks on the island.
There are international clubs and societies, such as the "Madeira Island Expats & Friends" group, that offer plenty of chances to connect with others.
Cost of living in Madeira
Even though Madeira is an island, the cost of living there is quite affordable, especially when you take into account the high quality of life it provides. Expatistan states that the cost of living in Funchal is around 20-30% lower compared to Lisbon.
The cost of housing, specifically, is lower in central Funchal. Long-term rentals for a 1-bedroom apartment in this area typically range between €600-€800 per month.
Healthcare in Madeira
Healthcare in Funchal is well-respected, and the main public hospital, Hospital Dr. Nélio Mendonça, provides a wide range of medical services. The island also has a number of private clinics that serve the expat community.
Many doctors on the island speak English because of its international connections. Based on what people have shared on expat forums, it seems that the quality of care in this place is really good and it's usually easy to get access to it. This makes it a popular option for retirees.
Porto for retirees
Ranked as the number-one option for American retirees in Portugal, Porto offers the perfect mix of history and modernity.
Porto, one of the largest urban and cultural centers in Portugal (behind only Lisbon), tends to seduce whoever meets it.
Weather in Porto
Porto experiences a mild maritime climate characterized by wet winters and warm, dry summers. The city experiences approximately 2,500 hours of sunshine each year. The sunniest months are from June to August, providing long days with clear skies.
The winters in this area are cool and rainy, while the spring and autumn seasons are mild and comfortable.
Porto is a pleasant place to visit even during its peak season because the summer months are warm but also cooled down by Atlantic breezes. The majority of rainfall occurs between October and March, while the remaining months of the year are generally dry.
Lifestyle and community in Porto
Porto is a city that provides a diverse and vibrant cultural experience. It is known for its historic sites, excellent dining options, and thriving arts scene. Retirees enjoy the friendly atmosphere of the city and the convenience of having access to both urban amenities and nearby countryside getaways. Internations conducted a survey in 2023 and found that Porto is considered to be one of the most expat-friendly cities in Europe.
This region is known for its stunning mountains, picturesque countryside, and vineyards. It is a wonderful choice for pensioners who prefer living in a less-touristy area. One of the highlights is the breathtaking Douro Valley, which offers a peaceful and serene environment, making it an ideal destination for wine enthusiasts.
Cost of living in Porto
Porto's cost of living has increased in recent years, but it is still more affordable than Lisbon. Retirees find housing options quite appealing, as they can choose from renovated city apartments to larger homes in the suburbs.
The average cost of renting a one-bedroom apartment in the city center is approximately €950. However, if you are willing to live on the outskirts of the city, you may be able to find more affordable options.
Healthcare in Porto
Porto is known for having some of the top hospitals in Portugal, such as Hospital de São João and Hospital CUF Porto. Public and private healthcare facilities are both easily accessible and highly regarded.
Retirees have said that they have had good experiences with the city's healthcare system. They appreciate the fact that there are medical professionals who speak English and that the quality of care is high.
⚠️ Around Porto you can also find cheaper and calmer alternatives such as Braga and Guimarães, both part of Porto's metropolitan transportation system, but with a slower pace, while easily connected to Porto.
Final words
Choosing the best city to retire in Portugal depends on your personal preferences and lifestyle needs.
No matter where you choose, you’ll find that Portugal is a welcoming and rewarding place to spend your golden years.
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