Greek Tax Basics for Expats: What Foreigners Need to Know in 2026

You’ve made the move to Greece — the sunshine, the food, the slower pace of life. Then comes the part nobody puts in the holiday brochures: taxes.

If you’re an expat, the Greek tax system can feel confusing at first. Do you really have to declare your UK pension here? What’s this AFM number everyone keeps mentioning? And will you end up paying tax twice?

Don’t worry — this guide breaks it down in plain English.

Do Expats Really Pay Taxes in Greece?

Yes… but it depends on how much time you spend here.

Greece applies what’s called the 183-day rule:

• Spend more than 183 days in Greece in a year → you become a tax resident.
• Tax residents must declare all their income worldwide — from pensions to overseas rentals.
• Non-residents only pay tax on money made in Greece (like a job in Athens or rent from a Greek apartment).

👉 Expat reality check: You might not intend to become a tax resident, but if you’re enjoying life in Crete or Corfu and stay over six months, the Greek tax office sees you as one.

Getting Your Greek Tax Number (AFM)

The AFM is the magic number that unlocks everyday life in Greece. Without it, you can’t:

• Open a bank account
• Rent or buy property
• Sign up for utilities

You get it from your local tax office (DOY). Expect to bring your passport, a rental contract, and a good dose of patience.

👉 What nobody tells you: Tax office staff rarely speak English. Most expats go with an accountant or a Greek-speaking friend to make the process less painful.

For a full breakdown of why it’s so important and how to apply, check out our Ultimate Guide to AFM in Greece for Expats

How Much Tax Will You Pay? (Income Tax in 2025)

Greece uses a progressive tax system. Here’s what it looks like:

💡 Example: If you earn €25,000 in Greece:

• First €10,000 → taxed at 9% (€900)
• Next €10,000 → taxed at 22% (€2,200)
• Remaining €5,000 → taxed at 28% (€1,400)
• Total tax = €4,500

Avoiding Double Taxation

Nobody wants to pay tax twice on the same income. Thankfully, Greece has double tax treaties with many countries (UK, US, Canada, Australia, most EU states).

These agreements usually mean:

• You won’t be taxed twice.
• But you do need to prove tax paid abroad.
• Often you’ll still file in both countries.

👉 Tip for newcomers: Check the treaty between Greece and your home country. The details differ, and sometimes the paperwork is the trickiest part.

Other Taxes Expats Should Know

Living in Greece isn’t just about income tax. You may also come across:

• ENFIA (property tax): Annual tax if you own a home here.
• VAT (FPA): Standard 24%, with reduced rates on some islands and essentials.
• Inheritance & gift tax: If assets or beneficiaries are in Greece.
• Social security (EFKA): Mandatory if you’re employed in Greece.

Expat-Friendly Tax Perks

To attract foreigners, Greece offers special schemes:

1. Non-Dom Program → Wealthy individuals can pay a flat €100,000 per year on worldwide income.
2. Retiree Scheme → Foreign pensioners may qualify for a flat 7% tax on pensions for 15 years.
3. Brain Gain Incentive → 50% income tax exemption for new residents working in Greece.

👉 Expat tip: These schemes aren’t automatic — you have to apply and prove eligibility.

Filing Taxes in Greece

• Tax year: January–December.
• Filing deadline: Usually April–June.
• System: Online via Taxisnet (in Greek).
• Help: Most expats use an accountant (logistis). Expect €150–€500 a year.

👉 Expat reality check: Bureaucracy in Greece can feel like a sport. Rules change, documents may be requested at the last minute, and patience is part of the process.

Key Takeaways

• Over 183 days = Greek tax resident → worldwide income must be declared.
• Get your AFM number as soon as you settle in.
• Double tax treaties protect you from paying twice.
• Greece has some tax-friendly programs for expats (worth exploring).
• A local accountant is often your best investment.