Colombia Residency by Investment: How Much Do You Really Need for 2026? (Exclusive Projection)
2025-12-30
Updated: 30 December 2025
By: Camila Ocampo | Expert Immigration Attorney
If you have your sights set on Colombia to start your 2026, whether it's enjoying a retirement in the Coffee Region or expanding your business in Medellín, there is one critical variable you must know before transferring a single dollar: the Legal Monthly Minimum Wage (SMMLV).
Why? Because in Colombia, the "golden rule" for investment visas is not measured in dollars or euros, but in Colombian minimum wages. When the wage goes up (and it goes up every January 1st), the investment amount required for your visa goes up too.
As an immigration lawyer, my job is not just processing documents; it is designing financial strategies. And although the definitive official figure is usually decreed in late December, we cannot wait until the last minute to plan.
Below, I have designed an exclusive tool for you. This calculator connects in real-time with the current exchange rate and calculates the investment requirement based on the new minimum wage.
Analysis: The Three Paths of Investment (2026)
Both the Investor Visa and the Partner/Owner Visa belong to the Migrant Visa (M) category. However, not all investments are created equal. Colombian law makes very specific distinctions that you must understand to avoid applying for the wrong category.
Here is how the amounts and conditions would look under the scenario of a minimum wage of $1,746,882 COP:
1. Investor Visa (Direct Foreign Investment - Non-Stock Market)
The path of solid capital.
This option is often confused with buying shares on the stock market, but it is not. This category is designed for Foreign Direct Investment (FDI) in the primary market.
This means investing in companies that are already constituted but are not listed on the stock exchange. It is an investment where you acquire a stake, but you do not necessarily have majority control nor do you work operationally in the company.
Legal Requirement: 650 Legal Monthly Minimum Wages.
2026 Investment Projection (COP): $1,135,473,300 COP.
Currency: You must register this currency with the Banco de la República using Form 4.
2. Investor Visa (Real Estate)
Your home and your visa in a single move.
This is the option for those who decide to put down roots. Buying a property not only secures your assets but also opens the doors to residency.
Legal Requirement: 350 Legal Monthly Minimum Wages.
2026 Investment Projection (COP): $611,408,700 COP.
Camila's Advice: "Remember that the value that counts for the Ministry of Foreign Affairs (Cancillería) is the value registered in the Foreign Direct Investment Certificate for Real Estate."
3. Partner / Company Owner Visa
For the active entrepreneur.
Unlike the 650-wage investment, this 100-wage option is designed for those coming to "do the work." It is for:
Creating your own company from scratch (e.g., a S.A.S.).
Investing in a smaller company where you will be a significant partner and have an active role.
Legal Requirement: 100 Legal Monthly Minimum Wages.
2026 Investment Projection (COP): $174,688,200 COP.
What about Citizenship? (Legal Update)
It is important to clarify a frequent doubt: the Investor Visa does not grant immediate Colombian citizenship, nor direct permanent residency from day one (a benefit that existed in previous laws but was eliminated with Resolution 5477 of 2022).
Today, the path is a step-by-step ladder:
Phase 1: You obtain your Migrant Visa (M) via Investment.
Phase 2: After holding your visa and investment for 5 continuous years, you may apply for the Permanent Resident Visa (R).
Phase 3: After 5 additional years as an R Visa holder, you may be eligible for Colombian Nationality.
Plan with Intelligence
I understand that seeing these figures increase can generate anxiety. However, the Colombian market continues to offer an unmatched cost-benefit ratio in the region.
The process of registering Foreign Direct Investment with the Banco de la República is technical and strict. An error in channeling the currency can put your visa at risk, no matter how much money you have transferred.
My recommendation? Do not navigate these waters alone. The difference between an approved visa and an administrative requirement is usually the legal strategy prior to the money transfer.
If you are ready to structure your investment for 2026, schedule a consultation with us. We will review your numbers and your profile to ensure your arrival in Colombia is as profitable as it is secure.
For more information on the Investor Visa: Visit our service guide
For details on the Partner/Owner Visa: Consult our specialized guide