European Digital Nomad Visas 2026: Income Requirements and Which Countries Offer the Best Deals

Europe's digital nomad visa landscape has exploded with options, but the income requirements vary dramatically between countries. Whether you're earning $30,000 or $70,000 annually, there's likely a European destination that fits your budget, but knowing which one requires careful research.

Income Requirements: From Budget-Friendly to Premium

The monthly income thresholds for European digital nomad visas range from around €2,333 to €5,727, creating clear budget tiers:

Budget-Friendly Options (€28,000–€33,600 annually):

• Italy: €2,333 monthly (€28,000 annually)
• Bulgaria: €2,583 monthly (€31,000 annually)
• Portugal: €2,700–€2,800 monthly (€32,400–€33,600 annually)

Mid-Range Options (€41,000–€42,000 annually):

• Spain: €3,480 monthly (€41,760 annually)
• Greece: €3,500 monthly (€42,000 annually)

Premium Tier (€68,000+ annually):

• Malta: €5,727 monthly (€68,724 annually)

Germany offers a digital nomad program but specific income requirements aren't clearly defined, typically requiring general proof of remote income around €2,700+ monthly.

What You Need to Qualify (Universal Requirements)

Regardless of which European country you choose, you'll need:

• Remote work proof: Employment contract with a non-local company, freelance clients outside the host country, or business ownership registered elsewhere
• Health/travel insurance: Full coverage for your entire stay duration
• Clean criminal record: Recent background check certificates
• Valid passport: At least 6 months validity remaining
• Accommodation proof: Housing contract or reservation
• Bank statements: 3–6 months showing consistent income

Some countries allow family inclusion (like Spain for spouses and children) with additional income proof.

Processing Times and Costs

Application fees vary significantly:

• Greece: €75
• Italy: €116
• Bulgaria: €300+
• Other countries: Fees vary (check official embassy websites)

Processing times typically take several weeks to months, so apply well in advance. Most applications are processed through embassies, consulates, or online portals depending on the country.

Schengen Area Benefits: Your European Travel Pass

Here's the big advantage: digital nomad visas from Spain, Portugal, Malta, Greece, Italy, Germany, and Bulgaria all grant Schengen Area travel privileges. This means you can travel freely within 27 European countries for up to 90 days in any 180-day period.

You'll gain residency rights in your chosen country, with potential renewals ranging from 1–5 years depending on the program. However, you must register locally and comply with tax obligations (Spain, for example, applies 15–24% tax rates for lower earners).

Important note: The new ETIAS system launching in Q4 2026 adds travel authorization requirements for short visits, but this is separate from work/residency visas.

Which Country Should You Choose?

Choose Italy or Bulgaria if: You're on a tighter budget (under €35,000 annually) and want affordable European living

Choose Portugal if: You want a balance of reasonable requirements (€32,000+ annually) with excellent quality of life and established nomad infrastructure

Choose Spain or Greece if: You can meet mid-tier requirements (€40,000+ annually) and want larger countries with diverse cities and climates

Choose Malta if: You have higher income (€68,000+ annually) and prefer an English-speaking island environment

Takeaway

European digital nomad visas offer incredible opportunities, but success depends on matching your income level with the right country's requirements. Bulgaria and Italy provide the most accessible entry points for budget-conscious nomads, while Portugal offers the sweet spot of reasonable requirements and nomad-friendly infrastructure.

Start by calculating your provable monthly income, then research the specific application process for your target country. Remember: these requirements can change, so always verify current details on official government websites before applying.