How much does residency in Andorra cost in 2026? Investment, AFA and fees
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The short answer
Residency without gainful activity first costs an investment of at least 1,000,000 € in Andorran assets (400,000 € via the Fons d'Habitatge), then a non-refundable payment of 50,000 € to the AFA, plus 12,000 € per dependant.
The cost of residency without gainful activity
| Item | Amount |
|---|---|
| Investment in Andorran assets | At least 1,000,000 €verified on 09/10/2026 |
| Variant via the Fons d'Habitatge | 400,000 €verified on 09/10/2026 |
| Threshold per property acquired | 800,000 €verified on 09/10/2026 |
| Payment to the AFA (holder), non-refundable | 50,000 €verified on 09/10/2026 |
| Per dependant, non-refundable | 12,000 €verified on 09/10/2026 |
The investment remains an asset that you own (real estate, shareholdings, funds, life insurance, non-interest-bearing deposits), unlike the payment to the AFA, which is final. The commitment to invest must be fulfilled within six months, extendable in case of force majeure.
Other costs
- Application fees and documents to gather: see documents, timelines and costs.
- Housing: lease or purchase, with the foreign investment tax (6 %verified on 09/10/2026 for a first property).
- Health insurance, lawyer or gestor: variable.
And for working residents?
Active residency (employee or self-employed) does not require an investment of this kind. For certain self-employed residencies, Llei 2/2026 also provides for a payment to the AFA, with exceptions: to be confirmed for your project.
All statuses compared
| Status | Main cost | Refundable |
|---|---|---|
| Without gainful activity | Investment 1,000,000 €verified on 09/10/2026 (400,000 €verified on 09/10/2026 via Fonds d'Habitatge) + payment 50,000 €verified on 09/10/2026 | Payment non-refundable |
| Self-employed (other cases) | Payment 50,000 €verified on 12/10/2026 | No, except in case of refusal; exceptions for certain projects |
| International projection | Deposit 47,500 €verified on 12/10/2026 + 9,500 €verified on 12/10/2026 per dependant | Yes, less costs |
| Scientific, cultural, sporting interest | Deposit 47,500 €verified on 12/10/2026 + 9,500 €verified on 12/10/2026 per dependant | Yes, less costs |
| Remote worker | Sufficient means, insurance, housing | To be confirmed according to the regulations |
Ancillary costs
Health insurance, housing, bank account, advisory fees, company where applicable. See documents, timelines and costs.
An example
For passive residency with two dependants, the non-refundable payment is 50,000 €verified on 09/10/2026 plus twice 12,000 €verified on 09/10/2026.
Work out your own case
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Frequently asked questions
How much does passive residency in Andorra cost?
An investment of at least 1,000,000 € (or 400,000 € via the Fons d'Habitatge) and a non-refundable payment of 50,000 € to the AFA.
How much for a spouse or a child?
12,000 € per dependant who becomes resident, non-refundable.
Can the investment be recovered?
The invested asset remains the resident's property, but the payment to the AFA is final.
Going further
Official sources
This information is general and is not personalised legal, tax or financial advice. It is verified as of the date shown and may change.