Thinking of moving to Bordeaux as an American? Bordeaux is more than just vineyards and charming streets. It is a beautiful city located in the Aquitaine region of south-west France, close to the Atlantic Ocean. For many Americans, Bordeaux, France offers a gateway to a better quality of life, a slower pace, and access to world-class healthcare and education, along with unique lifestyle and cultural attractions that set Bordeaux, France apart. But moving abroad is not just about packing your bags — it’s a financial decision that needs strategic planning.

If you’re an American planning to move to Bordeaux, your financial footprint doesn’t stop at the border. You still have US tax obligations, investment considerations, and pension strategies to think through. At Harrison Brook USA, we specialise in helping Americans move to France with financial clarity and peace of mind.

Is it hard for a US citizen to move to France?

Legally, it’s not hard — but financially, it’s a different story. After securing the right visa, obtaining the appropriate residence permit is a key step for Americans planning to live in France long-term.

Visa requirements

US citizens can visit France for up to 90 days without a visa, but to live there, you’ll need a long-stay visa (visa de long séjour). The visa you apply for depends on whether you’re working, retiring, or running a business. Each type has specific financial requirements you must meet, such as showing proof of sufficient income or savings.

In some cases, enrolling in a French language course can help with integration and may be required for certain visa types.

Financial proof matters

France will assess your financial stability when you apply for a visa or residency card. Having a clear financial plan, stable income or pension, and documented investments can fast-track your application and reduce stress.

Why financial advice matters before you relocate

Moving countries changes everything — including how your money is taxed, invested, and protected. Failing to plan can lead to double taxation, frozen pensions, or non-compliant investment portfolios.

Here are some financial areas we help US expats manage before and after the move:

1. US tax obligations never go away

Even if you become a tax resident in France, you still need to file annual tax returns with the IRS. You may also have to file FBARs (Foreign Bank Account Reports) if your total foreign account balances exceed $10,000 at any time.

A proper US-France tax strategy is critical to avoid costly penalties or double taxation. At Harrison Brook USA, we help you:

• Structure income to minimise global tax exposure
• Navigate the US–France tax treaty
• Determine residency status for both tax systems

2. Pension transfers and retirement income

Are you receiving income from a 401(k), IRA, or other US retirement plan? Not all plans are recognised under French tax law. Without expert advice, you could face high French social charges and double taxation on your retirement income.

We help Americans:

• Evaluate transferring US or UK pensions
• Set up compliant pension drawdown structures
• Understand QROPS, SIPPs, and international pension options

3. Investments that work internationally

Some US investment platforms restrict services once you move abroad. You may also find that your current portfolio is not tax-efficient under French law.

We help restructure your portfolio into internationally compliant, tax-efficient investment solutions that continue to serve you in France.

Job Market and Career Opportunities in Bordeaux

Bordeaux’s job market is dynamic and diverse, making it an attractive destination for young professionals and expats seeking new opportunities. The city is internationally renowned for its world class wines, with the wine industry playing a central role in the local economy. Many positions are available in wine production, export, and tourism, offering unique career paths for those interested in the region’s rich history and culture.

Beyond wine, Bordeaux is a hub for the aeronautics sector, with major employers like Airbus and a network of innovative companies supporting the industry. The city’s stunning architecture and beautiful countryside also draw millions of tourists each year, fueling a robust hospitality and tourism job market. Whether you’re looking to work in a vineyard, a tech startup, or a boutique hotel, Bordeaux offers a range of opportunities across various sectors.

The presence of a growing expat community means networking and finding English-speaking roles is increasingly possible, especially in international companies. However, competition can be strong, so having relevant skills and some knowledge of French will give you an edge in this vibrant city and its surrounding region.

How much do you need to live comfortably in Bordeaux?

Living in Bordeaux is more affordable than in major US cities or Paris. A couple can live well on €2,500 to €3,000 per month, including rent. But your personal financial strategy will depend on your lifestyle and income source. Many expats find that dining out in Bordeaux’s restaurants is more affordable than in larger cities, making it easier to enjoy the local cuisine on a budget.

Cost of living snapshot:

• Rent (2-bed apartment): €900 – €1,300/month
• Health insurance: €100 – €250/month
• Utilities & groceries: €400 – €600/month
• Dining and leisure: €200 – €400/month
• Coffee at a café: Around €2, which is generally less expensive than in Paris or Lyon

Compared to larger cities like Paris and Lyon, Bordeaux offers lower restaurant prices and a more relaxed dining scene, making it attractive for those who enjoy eating out.

Finding Accommodation: Renting and Buying in Bordeaux

Securing the right accommodation in Bordeaux is a key part of settling in, and the city offers a wide variety of options to suit different lifestyles and budgets. The city center and historic center are highly sought after for their proximity to iconic sites like Place de la Bourse, bustling shops along rue Sainte Catherine, and the lively atmosphere of local cafés and restaurants. Here, you’ll find everything from charming one bedroom apartments in centuries-old buildings to more spacious apartments with views of the Garonne River.

If you’re looking for more space or a quieter environment, consider exploring different neighborhoods on the outskirts, where modern properties and family-friendly areas are more common. Each neighborhood in Bordeaux has its own unique character, from the leafy streets of Caudéran to the vibrant markets of Saint-Pierre.

Rental prices vary by location, with a one bedroom apartment in the city center typically costing between €800 and €1,200 per month. For those interested in buying, Bordeaux’s housing market features a mix of historic stone properties and contemporary apartments, with average prices ranging from €3,000 to €5,000 per square meter. Whether you’re renting or buying, it’s worth exploring the city’s diverse accommodation options to find the perfect fit for your needs.

Transportation Options and Costs

Getting around Bordeaux is both convenient and affordable, thanks to the city’s excellent public transportation network. The city center is largely pedestrian, making it easy to explore on foot and enjoy the beautiful city’s stunning architecture and numerous green spaces. For longer journeys, Bordeaux’s efficient tram line system and extensive bus routes connect all major neighborhoods and attractions, including the historic center and the vibrant riverfront along the Garonne River.

A single ticket for public transportation costs around €1.70, while a monthly pass is approximately €43, making it easy to budget for regular travel. Bordeaux is also a bike-friendly city, with dedicated bike lanes and a popular bike-sharing scheme for those who prefer to cycle.

For travel beyond Bordeaux, the city is well-connected to the rest of France and Europe. High-speed trains link Bordeaux to Paris in just two hours, and regular services make it easy to reach other major cities. Bordeaux-Mérignac Airport, located about 10 kilometers from the city center, offers flights to destinations across Europe and beyond, making weekend getaways to Spain, Italy, or Switzerland a breeze.

Healthcare and Education Options for Expats

Bordeaux is known for its high standard of healthcare, making it a reassuring choice for expats and families. The city boasts a range of hospitals, clinics, and medical centers, many of which have English-speaking staff. While the French healthcare system is comprehensive and accessible, expats are advised to secure private health insurance to cover any gaps, especially during the initial period before full integration into the French system.

For families, Bordeaux offers a variety of education options. The city is home to several international schools, such as the International School of Bordeaux, which provide instruction in English and cater to the needs of expat children. There are also numerous French public and private schools, as well as prestigious universities and higher education institutions, making Bordeaux a great choice for students and lifelong learners alike.

With its excellent healthcare and diverse educational opportunities, Bordeaux ensures that expats and their families can settle in comfortably and enjoy all the benefits of living in France.

Can Americans buy property in France?

Yes — and many do. There are no legal restrictions on foreign property ownership in France.

However, the financing, tax, and estate implications are complex. You’ll need to consider:

• Capital gains tax exposure in both countries
• French inheritance law and succession rules
• Cross-border mortgage options
• Whether to purchase as a resident or non-resident

What taxes will I pay in France?

If you become a French tax resident (usually after 183 days), you’ll be taxed on your worldwide income in France.

Taxes to consider:

• Income tax
• Social charges (especially on passive income)
• Wealth tax (on global assets over €1.3M)
• Capital gains tax on US or French property

Luckily, the US–France tax treaty and Foreign Earned Income Exclusion (FEIE) can help reduce or offset some of this tax burden.

This is where dual-qualified financial planning is essential — and why most Americans moving abroad work with an advisor who understands both systems.

Is Bordeaux expat friendly?

Absolutely. Bordeaux has a thriving international community, and English is spoken in many social and professional settings. That said, integrating into daily life will be much smoother if you learn some French.

When considering where to live, it’s important to explore different areas of Bordeaux, as each neighborhood offers unique characteristics and amenities. Visiting multiple neighborhoods will help you find the best fit for your lifestyle and needs.

Engaging with locals through community events, festivals, and social activities is a great way to integrate and feel a sense of belonging in Bordeaux.

Popular neighbourhoods for expats:

• Chartrons – central, charming, popular with professionals, with easy access to green space
• Caudéran – leafy, residential, family-friendly, known for its parks and green space
• Saint-Pierre – historic, walkable, full of cafés and markets
• Saint-Genès – quiet, residential, family-friendly, with diverse architecture and good connectivity to the city center

FAQs – Moving to Bordeaux as an American

Do American expats pay taxes in France? Yes, if you become a French tax resident. You’ll need to declare and potentially pay tax on global income, including US pensions and rental income.

Can I live in France with an American passport? Only for 90 days without a visa. For long-term stays, you’ll need a visa or residency permit.

Is France a good place to retire as an American? Yes, especially with proper financial planning. France offers excellent healthcare, public infrastructure, and a high standard of living. Bordeaux, in particular, is known for its mild winters, making it comfortable year-round.

What is a good salary in Bordeaux? €35,000 to €45,000 allows for a comfortable lifestyle. Remote workers earning in USD often find their money goes further. Enjoying Bordeaux wine and visiting nearby wine regions like Saint-Émilion are popular local attractions that add to the appeal of living here.

Is Bordeaux safe? Yes, Bordeaux is one of the safest cities in France with low violent crime and a relaxed lifestyle. The city is also ideal for those who love the great outdoors, offering beautiful places for leisure such as scenic docks, gardens, and parks.

Final Checklist for a Financially Successful Move

To ensure your relocation to Bordeaux is both smooth and financially sound, it’s important to plan ahead and consider all aspects of expat life. Start by researching the cost of living in Bordeaux, including accommodation options in the city center and different neighborhoods, so you can set a realistic budget. Remember that prices for apartments and daily expenses can vary widely depending on location and lifestyle.

Next, familiarize yourself with the job market and have a strategy for finding employment, whether you’re seeking opportunities in Bordeaux’s thriving wine industry, tourism, or other sectors. If you’re not an EU citizen, make sure to apply for a long stay visa well in advance and prepare all necessary documentation for French bureaucracy.

Consider your transportation needs, from public transport passes to potential car hire, and factor these costs into your budget. Research health insurance options to ensure you and your family are covered from day one. Finally, take the time to explore the city’s various regions and neighborhoods to find the perfect place to call home.

With careful planning and a clear financial strategy, living in Bordeaux can be a rewarding and enriching experience, allowing you to enjoy the city’s laid back lifestyle, beautiful green spaces, and vibrant culture to the fullest.

Let Harrison Brook USA Help You Build a Financial Plan for France

Relocating to France is more than a lifestyle decision — it’s a financial one. Your income, pension, taxes, and investments all need to be reviewed through an international lens. At Harrison Brook USA, we’re fully qualified to advise Americans living in or moving to France.

We offer fee-based, transparent financial planning built for global lives — so you can enjoy your time in Bordeaux without worrying about your money.

👉 Speak to a cross-border financial advisor today