Securing your Greek Golden Visa is the first step; transforming that residency into a rich and fulfilling life is the true adventure. Moving to a new country is about more than just legal status—it’s about understanding the rhythm of daily life, navigating new systems, and immersing yourself in a culture that has captivated the world for millennia.
But what is it really like to live in Greece in 2025? Beyond the sun-drenched beaches and ancient ruins lies a modern, vibrant European nation with a unique approach to life. This guide is designed for new residents and Golden Visa holders who are ready to take the next step. We will explore the practical realities of setting up your life in Greece, from the cost of your morning coffee to choosing the right school for your children, helping you make a seamless and joyful transition from visitor to local.
The Cost of Living: A Pleasant Surprise for Many
One of Greece’s most attractive features is its affordable cost of living compared to many other Western European nations. While life in the cosmopolitan center of Athens or on a world-famous island like Mykonos will be more expensive, the overall costs for housing, food, and transportation offer exceptional value.
A Snapshot of Monthly Expenses (for a couple in Athens):
| Expense Category | Estimated Monthly Cost | Notes |
| Rent (1-bedroom apt, city center) | €700 – €1,200 | Prices are significantly lower outside the prime central districts. |
| Utilities (Electricity, Heating, Water) | €150 – €300 | Can vary greatly depending on season and usage (heating in winter, A/C in summer). |
| Groceries | €400 – €600 | Shopping at local markets (laiki) can significantly reduce this cost. |
| Transportation (Public Transport Pass) | €30 – €60 per person | Athens has an excellent and affordable metro, bus, and tram system. |
| Internet & Mobile Phone | €40 – €70 | Competitive packages are available from major providers. |
| Eating Out & Entertainment | €300 – €500+ | A coffee costs €3-€4, a casual meal (souvlaki) is €5-€8, and a mid-range restaurant dinner for two is €50-€80. |
| Total Estimated Monthly Budget | €1,600 – €2,700+ | This provides a comfortable lifestyle. Costs can be lower in other cities like Thessaloniki or Patras. |
The Greek Healthcare System: Public and Private Options
As a resident, you will have access to Greece’s healthcare system. It’s important to understand your options:
- Public Healthcare (ESY): The national healthcare system provides universal coverage. As a resident, you can register for a social security number (AMKA), which gives you access to public hospitals and doctors. While the quality of care from medical professionals is high, public facilities can sometimes experience long waiting times and may not have the modern amenities of private hospitals.
- Private Healthcare: This is the preferred option for many expats and Golden Visa holders. All residents are required to have private health insurance to obtain and renew their permits. The private system is excellent, with state-of-the-art hospitals, English-speaking doctors, and virtually no waiting times for appointments and procedures. Costs are very reasonable by international standards, with a comprehensive policy for a family often costing a fraction of what it would in the US.
Education in Greece: Nurturing the Next Generation
For families with children, Greece offers a range of high-quality educational choices.
- Public Schools: Free for all residents, the public system provides a Greek-centric curriculum. While it’s a great way for children to integrate and become fluent in Greek, the language barrier can be a challenge initially for non-Greek-speaking children.
- International Schools: This is the most popular choice for the expat community. Located primarily in and around Athens and Thessaloniki, these schools offer globally recognized curricula, such as the International Baccalaureate (IB), and American or British (GCE A-Level) systems. They provide a multicultural environment and a seamless educational transition for children from other countries.
Prominent International Schools in Athens:
- St. Catherine’s British School
- Campion School
- American Community Schools (ACS) Athens
- International School of Athens (ISA)
Tuition fees for international schools can range from €7,000 to €14,000+ per year, depending on the school and grade level.
Daily Life and Culture: Embracing “Siga-Siga”
To truly enjoy life in Greece, you must embrace its unique cultural rhythm.
- The Concept of “Siga-Siga” (Slowly, Slowly): Life in Greece moves at a more relaxed pace. Punctuality is less rigid, and there is a greater emphasis on enjoying the moment rather than rushing through a schedule. This can be an adjustment, but it’s the source of the country’s famously low-stress lifestyle.
- The Importance of “Filoxenia” (Hospitality): Greeks are incredibly welcoming and generous people. Hospitality is a cornerstone of the culture, and you will often be treated like family by neighbors and local shopkeepers. Making an effort to learn a few Greek phrases will be warmly received and will open many doors.
- Coffee Culture: Coffee is a ritual in Greece, not just a morning habit. Cafes are social hubs where people meet for hours to talk, play backgammon (tavli), and watch the world go by.
- Family First: Family is the bedrock of Greek society. Life revolves around strong family ties, and it’s common for multiple generations to live close to one another and be deeply involved in each other’s lives.
Conclusion: A Rich Life Awaits
Living in Greece offers a unique proposition: a high quality of life, access to excellent healthcare and education, and a rich cultural tapestry, all at a cost that is significantly lower than many other European destinations. By embracing the local pace of life and valuing community and connection, new residents can do more than just live in Greece—they can thrive, creating a beautiful and rewarding life for themselves and their families.
Frequently Asked Questions
- Do I need to speak Greek to live in Greece?
In major cities and tourist areas, you can get by with English, as many Greeks (especially younger generations) speak it fluently. However, for official paperwork, dealing with public services, and truly integrating into the community, learning at least basic Greek is highly recommended and greatly appreciated.
- Is Greece a safe country to live in?
Yes, Greece is considered a very safe country with a low rate of violent crime. Like any major city, Athens has areas where petty crime like pickpocketing can occur, but overall, it is a safe and family-friendly environment.
- How is the banking system for expats?
Opening a Greek bank account is a straightforward process for residents. You will need your passport, your Greek tax number (AFM), and proof of address. Major Greek banks offer modern online banking services and have staff who can assist you in English.
- What is the best way to get around in Greece?
Within Athens, the public transport system (metro, buses, trams) is excellent and efficient. For traveling between cities and to the islands, Greece has a reliable network of domestic flights, intercity buses (KTEL), and an extensive ferry system, which is a quintessential part of the Greek travel experience.
