Passive Residency Andorra 2026: Requirements and Investment

Passive residency (residence without gainful activity) is the route to living in Andorra without working in the country: for people living off investment income, investors, retirees with assets, or professionals who work for clients abroad. Since 13 February 2026 the rules have changed significantly under Llei 2/2026: the minimum investment rises to 1 million euros and the former refundable deposit becomes a non-refundable contribution of €50,000. We explain the current requirements and how buying a home fits into the process.

Passive residency requirements in 2026

Minimum investment of €1,000,000 in Andorran assets (previously €600,000).
If you invest in property, each property must be worth more than €800,000.
Non-refundable contribution of €50,000 to the AFA (Andorran Financial Authority), plus €12,000 for each dependant.
Minimum income: 300% of the Andorran minimum wage (around €56,500 a year in 2026), plus 100% for each dependant.
Live in Andorra for at least 90 days a year.
2026 quota: 200 passive residency permits for the whole year.

What has changed with Llei 2/2026

The "Òmnibus 2" law, passed by the Consell General (Andorran Parliament) on 22 January 2026, tightens access to passive residency to ease pressure on the housing market:

Requirement	Until February 2026	From 13/02/2026
Investment in Andorran assets	€600,000	€1,000,000
Minimum value of each property	No minimum	More than €800,000
Guarantee with the AFA	Refundable deposit	€50,000 non-refundable (+€12,000 per dependant)
Foreign investment tax on purchase	3% / 5%	6% / 10%

Applications submitted before the law came into force are processed under the previous rules. If you were planning your move based on the old figures, it is worth reviewing your plan.

What can the one million euros be invested in?

Property in Andorra, provided each unit is worth more than €800,000.
Shares or holdings in Andorran companies.
Andorran government bonds or Andorran investment funds.
Life insurance and non-interest-bearing deposits with the AFA.

The law also provides for an alternative route of €400,000 through the Fons de l'Habitatge (the public housing fund); check the conditions with your adviser before choosing it. The investment must be made within 6 months of the authorisation, extendable by a further 6.

Property as the centrepiece of the investment

For most families, buying their home in Andorra is the most logical way to meet the requirement: the money is not tied up in a financial product but in the place where you are going to live. Under the new rules, that means looking for a home worth more than €800,000 and making up the rest of the million with another property (also worth more than €800,000) or with Andorran financial assets.

What can you find above €800,000? At the upper end of the market, mainly:

Escaldes-Engordany: spacious flats and penthouses in the centre and in residential areas such as Els Vilars. It is the most expensive parish, with a completion price of around €6,100/m² in 2025.
Ordino and La Massana: new-build houses and semi-detached homes surrounded by nature, less than 20 minutes from Andorra la Vella.
Andorra la Vella: large flats with views and amenities right on the doorstep.

Take a look at property prices by parish, our new-build developments and our properties for sale.

Example of how to plan it

A couple with one child want to live in Escaldes-Engordany. They buy a flat for €1,050,000 (meeting both the investment requirement and the minimum per property). They also contribute €50,000 + €12,000 non-refundable to the AFA and, as non-residents, pay 6% foreign investment tax (€63,000) plus the ITP (property transfer tax) or IGI (Andorra's VAT) on the purchase (4% or 4.5%). The real upfront budget therefore exceeds the price of the home by more than €160,000: you need to factor this in from the outset.

Steps in the process

Check the quota and prepare your application: there are 200 places in 2026. The 2023 quota ran out in January 2025 and around 60 applications were refused for lack of places, so it pays to apply early and with complete documentation.
Apply for the residence permit at the Servei d'Immigració (Immigration Service): passport, criminal record certificate, proof of income, health insurance and investment plan.
Choose and reserve the property, making the purchase conditional on the authorisation if necessary.
Apply for foreign investment authorisation for the purchase: the Govern decides within 2 months (extendable by 1) and, if it does not reply, the application is deemed refused.
Sign before a notary after paying the foreign investment tax. You have 6 months from the authorisation to complete the deed.
Pay the €50,000 contribution to the AFA, provide proof of the investment and obtain your residence card.

Passive residency or tax residency?

They are not the same thing. Passive residency allows you to live legally in Andorra with a minimum of 90 days a year. To be taxed here (maximum income tax of 10%, no wealth or inheritance tax) you need to be tax resident: more than 183 days a year, or having the centre of your economic interests here. We explain it in our guide to taxes in Andorra 2026.

Other routes to residency without working in Andorra

Professional with international reach: for those who work from Andorra for clients abroad (at least 85% of turnover from outside the country). It also requires the €50,000 contribution and 90 days a year.
Scientific, cultural or sporting interest: for individuals of recognised standing.

If you are going to set up a company in Andorra, the route is self-employed residency: we explain it in how to set up a company in Andorra.

Frequently asked questions

How much do you need to invest for passive residency in Andorra in 2026?

€1,000,000 in Andorran assets since 13 February 2026. If you invest in property, each one must be worth more than €800,000. You must also make a non-refundable contribution of €50,000 to the AFA (plus €12,000 for each dependant).

Do you get the AFA deposit back?

Under the new law it is no longer a deposit but a non-refundable contribution: it is only returned if the initial authorisation is refused.

How many days a year do you need to spend in Andorra with passive residency?

A minimum of 90 days a year. To be tax resident, on the other hand, you need more than 183 days.

Can I buy a €600,000 property to get passive residency in Andorra?

Not as a qualifying investment any more: since February 2026 each property must be worth more than €800,000. You can buy it to live in, but you would have to reach the million with other eligible assets.

Are passive residency places limited?

Yes. The Govern sets an annual quota; in 2026 it is 200 passive residency permits.

Looking for a property worth more than €800,000 for your residency in Andorra?

We will send you a selection of properties that meet the requirement and coordinate the process with lawyers specialising in immigration.

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Sources: Llei 2/2026 de continuïtat i consolidació de les mesures per al creixement sostenible (report by the Economy Committee of the Consell General, 19/01/2026); immigration quotas approved by the Govern for 2026; Departament d'Estadística (2025 prices). For information only: amounts and requirements may change. Always confirm your situation with a specialist lawyer.

Updated on 18/10/2026