90-Day Rule Spain: What Property Owners Need to Know in 2026
Visas & Residency10 min read

90-Day Rule Spain: What Property Owners Need to Know in 2026

New Build Homes Costa Blanca6 February 2026
Quick Answer

Non-EU citizens (including UK citizens post-Brexit) can stay in Spain and the Schengen Area for up to 90 days within any rolling 180-day period. Owning property in Spain does NOT grant any extra time or exemption from this rule. To stay longer, you need a visa or residency permit.

If you own property in Spain but aren't an EU citizen, the 90-day rule affects how much time you can spend in your Spanish home. This Schengen regulation is one of the most misunderstood aspects of Spanish property ownership, particularly since Brexit changed the rules for British buyers.

Many property owners are surprised to learn that owning a home—even a substantial investment—gives no additional rights to stay in Spain. Understanding this rule is essential for planning your visits and avoiding potentially serious consequences of overstaying.

This guide explains exactly how the 90/180 day rule works, how to calculate your allowed days, and what options exist if you want to spend more time in Spain.

What is the 90/180 Day Rule?

The 90/180 day rule is a Schengen Area immigration regulation that limits how long non-EU citizens can stay without a visa. The rule states:

You can stay for a maximum of 90 days within any 180-day period.

This applies to the entire Schengen Area—26 European countries including Spain, France, Italy, Portugal, Germany, and others. Days spent in ANY Schengen country count toward your 90-day limit.

Key points:
The rule applies to non-EU/EEA citizens without a long-stay visa
Since January 2021, UK citizens are subject to this rule
Americans, Canadians, Australians, and most other nationalities also fall under it
EU/EEA citizens are NOT subject to this rule—they have freedom of movement
Key points:
The rule applies to non-EU/EEA citizens without a long-stay visa
Since January 2021, UK citizens are subject to this rule
Americans, Canadians, Australians, and most other nationalities also fall under it
EU/EEA citizens are NOT subject to this rule—they have freedom of movement

Understanding the Rolling 180-Day Period

The 180-day period is NOT calendar-based. It's a rolling window that moves with each day. This is crucial to understand:

How it works:

On any given day, immigration can look back 180 days and count how many days you've spent in Schengen. If it's more than 90, you're overstaying.

Example 1 - Simple visit:

You arrive in Spain on January 1st and stay until March 31st (90 days). You must then leave and cannot return until enough days have "dropped off" the 180-day window.

Example 2 - Split visits:
January 1-31: Spain (31 days)
Leave Schengen
April 1-30: Spain (30 days)
Leave Schengen
July 1-29: Spain (29 days)

Total: 90 days spread across the year—perfectly legal.

Example 3 - The trap:
January 1-March 31: Spain (90 days)
Leave April 1
Return June 1: Only 29 new days have "dropped off," so you can only stay 29 days, not 90.
The calculator approach:

On any date you want to enter Schengen, count back 180 days and total your Schengen days in that period. Subtract from 90 to find your remaining allowance.

Property Ownership Does NOT Grant Extra Time

This is the most common misconception among non-EU property buyers:

Owning property in Spain gives you ZERO additional stay rights.

Whether you own a €100,000 apartment or a €2 million villa, the 90-day limit applies exactly the same. Property ownership is completely separate from immigration status.

What property ownership gives you:
Right to own real estate in Spain (as a non-resident)
Obligation to pay Spanish property taxes
Right to rent out your property
Right to sell whenever you choose
What property ownership does NOT give you:
Extended stay rights
Automatic residency
Exemption from visa requirements
Any immigration privileges
The Golden Visa exception (ended April 2025):

Spain previously offered residency to property investors spending €500,000+. This program ended in April 2025 for real estate investments. Existing Golden Visa holders retain their status, but new property purchases no longer qualify.

Who the Rule Affects

UK Citizens (Post-Brexit):

Since January 1, 2021, British citizens are treated as third-country nationals. The 90/180 rule applies in full. This was a significant change for the many British property owners on the Costa Blanca.

Americans, Canadians, Australians:

Citizens of visa-waiver countries can enter Schengen without a visa but are subject to the 90/180 rule.

Other non-EU nationals:

Most non-EU citizens face the same restrictions, though some nationalities require visas even for short stays.

Who is NOT affected:
EU/EEA citizens (full freedom of movement)
Swiss citizens (bilateral agreements)
Those with valid long-stay visas or residence permits
Diplomatic passport holders (different rules)
Who is NOT affected:
EU/EEA citizens (full freedom of movement)
Swiss citizens (bilateral agreements)
Those with valid long-stay visas or residence permits
Diplomatic passport holders (different rules)

EU Citizens: Different Rules

If you hold EU citizenship, the 90-day rule doesn't apply to you. EU citizens have freedom of movement and can:

Stay indefinitely in Spain with only one requirement:

Register on the padrón (municipal register) if staying more than 3 months
Apply for a green residency certificate (Certificado de Registro)

No time limits on your stay in Spain or other EU countries.

Working rights are automatic—no work permit needed.

Healthcare access through the European Health Insurance Card (EHIC) or Spanish public system once registered.

If you have dual nationality including an EU country, you can use your EU passport for Schengen entry and avoid the 90-day restriction entirely.

Calculating Your Days: Practical Examples

Scenario 1: Annual holiday home use

You want to spend Easter, summer, and Christmas in Spain.

Easter: April 10-24 (15 days)
Summer: July 1-August 15 (46 days)
Christmas: December 20-January 5 (17 days)
Total: 78 days—within the 90-day limit ✓
Scenario 2: Extended winter stay

You want to escape the UK winter.

November 1-January 31: 92 days—EXCEEDS the limit ✗
Solution: Arrive November 15, leave February 12 (90 days exactly)
Scenario 3: Frequent short visits

You visit monthly for business.

12 visits × 5 days = 60 days total—within limit ✓
But be aware: immigration may question frequent short visits
Scenario 4: The 6-month myth

Many people think they can stay 3 months, leave for 3 months, return for 3 months. This is WRONG.

January 1-March 31: 90 days in Schengen
April 1-June 30: Outside Schengen
July 1: Only some days have "dropped off." You have about 1 day left, not 90.

Consequences of Overstaying

Overstaying is taken seriously. Consequences can include:

Fines:

Spain can impose fines of €500-10,000 for overstaying
Fines vary based on length of overstay and circumstances

Entry bans:

Short overstays (days/weeks): Warning and possible future scrutiny
Longer overstays: Entry ban of 1-5 years for Schengen Area
Serious overstays: Can affect future visa applications worldwide

Detection:

Passports are scanned on exit from Schengen
Computer systems automatically calculate your days
Even a few days over can be flagged

At the airport:

You may be detained while paperwork is processed
Fines may need paying before departure
Your overstay is recorded in the Schengen Information System

Impact on property:

Overstaying doesn't affect property ownership
But an entry ban means you can't visit your property
Could complicate property management, sales, or rentals

Impact on property:

Overstaying doesn't affect property ownership
But an entry ban means you can't visit your property
Could complicate property management, sales, or rentals

Options for Staying Longer

If 90 days isn't enough, several visa options exist:

Non-Lucrative Visa (NLV):

For those with passive income (pensions, investments)
Requires €2,400+/month income proof
Cannot work in Spain
Ideal for retirees

Digital Nomad Visa:

For remote workers employed abroad or freelancers
Requires €2,646/month income
Must work for non-Spanish companies
Includes tax benefits (Beckham Law)

Self-Employment Visa (Autónomo):

For those starting a Spanish business
Requires business plan and sufficient funds
More complex application

Retirement Visa:

Similar to NLV
Specifically for those of retirement age

Student Visa:

For those enrolled in Spanish courses
Can include language study

All these visas lead to temporary residency, and after 5 years, you can apply for permanent residency.

UK Citizens After Brexit: Specific Guidance

Brexit significantly changed the situation for British property owners in Spain:

Before Brexit (pre-2021):
UK citizens had freedom of movement
Could stay indefinitely in Spain
No time restrictions
After Brexit (2021 onwards):
UK citizens are third-country nationals
Subject to 90/180 day rule
Need visa for longer stays
If you were resident before Brexit:

Those registered as residents before December 31, 2020 retain their rights under the Withdrawal Agreement. Your TIE (Tarjeta de Identidad de Extranjero) confirms this.

For new UK buyers:

Plan visits within 90-day limit
Consider Non-Lucrative Visa if wanting longer stays
Digital Nomad Visa if working remotely
Keep detailed records of all Schengen entries/exits

Healthcare considerations:

EHIC no longer valid for long stays
UK Global Health Insurance Card (GHIC) covers emergencies only
Private insurance recommended
S1 form for those receiving UK state pension

Healthcare considerations:

EHIC no longer valid for long stays
UK Global Health Insurance Card (GHIC) covers emergencies only
Private insurance recommended
S1 form for those receiving UK state pension

Planning Your Time Wisely

Use a tracking app or spreadsheet:

Record every entry and exit date. Calculate remaining days before each trip. Several apps exist specifically for Schengen day counting.

Maximize your 90 days:
Spread visits across the year rather than one long stay
Consider shoulder seasons when your property is pleasant but tourism is lower
Plan major visits around important dates (Easter, Christmas, family events)
Consider non-Schengen alternatives:

If you want more than 90 days in Europe but not necessarily Spain:

UK doesn't count toward Schengen
Ireland is not in Schengen
Cyprus, Bulgaria, Romania have separate rules
Croatia joined Schengen in 2023 (now counts)

Document everything:

Keep boarding passes and passport stamps
Screenshot your calculations
Have proof ready if questioned at border

Build relationships:

Local contacts for property management
Key holders for emergencies
Property management companies for longer absences

Build relationships:

Local contacts for property management
Key holders for emergencies
Property management companies for longer absences

Using Your Property as a Holiday Home

Many non-EU property owners successfully use their Spanish homes as holiday properties within the 90-day limit:

Typical usage pattern:

2-3 weeks at Easter
4-6 weeks in summer
2-3 weeks around Christmas/New Year
Occasional long weekends
Total: 60-85 days annually

When you're not there:

Rent it out for income (short-term or long-term)
Use a property management company
Have regular checks by neighbors or friends
Install smart home monitoring

Making the most of visits:

Arrive prepared (online shopping delivered)
Join local clubs and activities
Build Spanish friendships
Consider the property a base for exploring Spain

Future planning:

If you want more time, research visa options now
Consider whether permanent relocation might suit you
Track changing regulations—rules can evolve

Future planning:

If you want more time, research visa options now
Consider whether permanent relocation might suit you
Track changing regulations—rules can evolve

The Bottom Line

The 90-day rule is a reality for non-EU property owners, but it doesn't have to limit your enjoyment of your Spanish home. With careful planning, you can maximize your visits while staying within legal limits. If you find 90 days isn't enough, visa options like the Non-Lucrative Visa or Digital Nomad Visa provide pathways to longer stays and eventual residency.

Thinking about buying property on the Costa Blanca? We help buyers from all nationalities find their perfect Spanish home, and can connect you with immigration specialists to plan your future visits. Contact us to discuss how property ownership works alongside your lifestyle goals.

Need help navigating the process? Book a free 30-minute consultation with our experienced team. With 12+ years on the Costa Blanca, we'll guide you through every step.

Frequently Asked Questions

1Does owning property in Spain give me the right to stay longer than 90 days?
No. Property ownership and immigration rights are completely separate in Spain. Whether you own a small apartment or a luxury villa, the 90-day Schengen limit applies equally. To stay longer, you need a visa or residence permit regardless of your property investment.
2How does the 180-day period work—is it calendar-based?
No, it's a rolling 180-day window. On any given day, authorities can look back 180 days and count your total Schengen days. If it exceeds 90, you're overstaying. This means you can't simply wait for a new calendar year to reset your allowance.
3Do days in other Schengen countries count toward my Spain limit?
Yes. The 90-day limit applies to the entire Schengen Area (26 countries including Spain, France, Italy, Portugal, Germany). A week in France followed by a week in Spain uses 14 of your 90 days. Plan all Schengen travel together.
4What happens if I overstay by a few days?
Even short overstays are recorded. You may face fines (€500-10,000), questioning at the airport, and a note on your immigration record. While brief overstays rarely result in entry bans, they can cause problems with future visa applications or border crossings.
5Can I stay 90 days, leave for 90 days, then return for another 90?
No—this is a common misconception. The rolling 180-day window means days don't reset cleanly. After a 90-day stay, you'd need to wait nearly 90 days before you'd have a full 90 days available again. Each day that passes only 'releases' one day from your calculation.
6I'm a UK citizen who owned property before Brexit. Do the rules apply to me?
If you registered as a Spanish resident before December 31, 2020, your rights are protected under the Withdrawal Agreement. You should have a TIE card confirming this. If you bought property after Brexit without becoming resident, you're subject to the 90-day rule like other non-EU citizens.
7What visa should I get if I want to spend more than 90 days in Spain?
The best option depends on your circumstances. Retirees often choose the Non-Lucrative Visa (requires €2,400/month passive income). Remote workers can apply for the Digital Nomad Visa (requires €2,646/month). Both lead to residency after 5 years. We can connect you with immigration lawyers who specialize in these applications.
8Do EU citizens face the same 90-day restriction?
No. EU/EEA citizens have freedom of movement and can stay in Spain indefinitely. The only requirement is registering on the padrón (municipal register) if staying more than 3 months. If you hold dual nationality including an EU country, use your EU passport for Schengen travel to avoid restrictions.

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