Oviedo vs Bilbao on €100,000: take-home pay, rent and cost of living in 2026
On a gross salary of €100,000 a year, a single employee takes home €5,318 a month in Oviedo (64% of gross) and €5,397 a month in Bilbao (65%), after income tax and social security contributions.
Bilbao is 25% more expensive than Oviedo overall (cost-of-living index 40.8 vs 32.7, New York = 100). A one-bedroom flat in the city centre rents for about €1,117 a month in Bilbao and €828 in Oviedo, which leaves €4,280 and €4,490 of take-home pay after rent. Keeping the same standard of living and saving 15% of your pay would cost about €5,640 a month in Bilbao — €243 a month more than this salary pays.
By category, groceries cost 6% less in Bilbao than in Oviedo, eating out 6% less and rent 52% more.
Of the gross salary, income tax takes €32,119 a year in Oviedo and €31,175 in Bilbao; social contributions and other levies take €4,062 and €4,062.
Moving from abroad? Under the Beckham law, take-home pay in Bilbao would be €5,995 a month — see who qualifies.
| Oviedo | Bilbao | |
|---|---|---|
| Gross salary per year | €100,000 | €100,000 |
| Income tax per year | €32,119 | €31,175 |
| Social contributions per year | €4,062 | €4,062 |
| Take-home pay per month | €5,318 | €5,397 |
| One-bedroom rent, city centre | €828 | €1,117 |
| Left after rent | €4,490 | €4,280 |
| Cost-of-living index (New York = 100) | 32.7 | 40.8 |
How each figure is taxed: Spain tax calculator and Spain tax calculator. Single employee without children; rent and price data from Numbeo, refreshed monthly.
Questions about Oviedo vs Bilbao
Is Bilbao, Spain more expensive than Oviedo, Spain?
Bilbao, Spain is 25% more expensive than Oviedo, Spain overall. On a gross salary of €100,000 a year, you take home €5,318 a month in Oviedo, Spain and €5,397 a month in Bilbao, Spain after income tax and social contributions.
How much can I save living in Bilbao, Spain vs Oviedo, Spain?
Keeping the same standard of living as in Oviedo, Spain and saving 15% of your pay would cost about €243 a month more than this salary leaves in Bilbao, Spain, because of its 25% higher cost of living.
What taxes will I pay in Spain vs Spain?
On €100,000 gross a year you take home €5,318 a month in Spain and €5,397 a month in Spain. The calculation applies each country's 2026 income tax and social security rules for a single employee.