Tárrega was born on November 21, 1852, in Villarreal, Castellón, Spain. His father, Francisco Tárrega Tirado, was an usher; his mother, Antonia Eixea, died when Francisco was very young. Francisco fell into an irrigation channel in his early childhood, permanently impairing his eyesight. Partially due to this accident, the family moved to Castellón and enrolled him in music classes. Both his first music teachers, Eugeni Ruiz and Manuel Gonzalez, were blind.
In 1862, concert guitarist Julián Arcas, on tour in Castellón, heard young Francisco play and advised Tárrega's father to allow Francisco to come to Barcelona to study with him. Tárrega's father agreed, but insisted that his son take piano lessons as well. The guitar was viewed as an instrument to accompany singers, while the piano was all the rage throughout Europe. However, Tárrega had to stop his lessons shortly after when Arcas left for a concert tour abroad. Although Francisco Tárrega was only ten years old, he ran away and tried to start a musical career on his own along coffee houses and restaurants in Barcelona. He was found soon and brought back to his devoted father, who had to make great sacrifices to advance his son's musical education.
Three years later, in 1865, he ran away again, this time to Valencia where he joined a gang of gypsies. His father looked for him and brought him back home once more, but he ran away a third time, again to Valencia. By his early teens, Tárrega was proficient on both the piano and the guitar. For a time, he played with other musicians at local engagements to earn money, but eventually he returned home to help his family.
Tárrega entered the MadridConservatory in 1874, under the sponsorship of a wealthy merchant named Antonio Canesa. He had brought along with him a recently-purchased guitar, made in Seville by Antonio de Torres. Its superior sonic qualities inspired him both in his playing and in his view of the instrument's compositional potential. At the conservatory, Tárrega studied composition under Emilio Arrieta who convinced him to focus on guitar and abandon the idea of a career with the piano.
By the end of the 1870s, Tárrega was teaching the guitar (Emilio Pujol and Miguel Llobet were pupils of his) and giving regular concerts. Tárrega received much acclaim for his playing and began traveling to other areas of Spain to perform. By this time he was composing his first works for guitar, in addition to those of other composers. During the winter of 1880, Tárrega replaced his friend Luis de Soria, in a concert in Novelda, Alicante, where, after the concert, an important man in town asked the artist to listen to his daughter, María José Rizo, who was learning to play guitar. Soon they were engaged. In 1881, Tárrega premiered in the Opera Theatre in Lyon and then the Paris Odeon, in the Second Centennial of the death of Pedro Calderón de la Barca. He also played in London, but he liked neither the language nor the weather. There is a story about his visit to England. After a concert, some people saw that the maestro was in low spirits. "What is the matter, maestro?" they asked him. "Do you miss home? Your family, perhaps?" They advised him to capture that moment of sadness in his music. Thus he conceived the theme of one of his most memorable works, Lágrima. After playing in London he came back to Novelda for his wedding. On Christmas 1882 Tárrega married María José Rizo.
He soon began transcribing piano works of Beethoven, Chopin, Mendelssohn, and others to enlarge his guitar repertory, and, no doubt, to make use of his considerable knowledge of keyboard music. Tárrega and his wife moved to Madrid, gaining their living by teaching privately and playing concerts, but after the death of an infant daughter, Maria Josefa, they settled permanently in Barcelona in 1885. Among his friends in Barcelona were Isaac Albéniz, Enrique Granados, Joaquín Turina and Pablo Casals.
On a concert tour in Valencia shortly afterward, Tárrega met a wealthy widow, Conxa Martinez, who became a valuable patron to him. She allowed him and his family use of a house in Barcelona, where he would write the bulk of his most popular works. Later she took him to Granada, where the guitarist conceived the theme for his famous Recuerdos de la Alhambra, which he composed on his return and dedicated to his friend Alfred Cottin, a Frenchman who had arranged his Paris concerts.
In 1900 Tárrega visited Argel, where he heard a repetitive rhythm played on an Arabian drum. The following morning he composed his famous Danza Mora based on that rhythm. From the latter 1880s up to 1903, Tárrega continued composing, but limited his concerts to Spain. In about 1902, he cut his fingernails and created a sound that would become typical of those guitarists associated with his school. The following year he went on tour in Italy, giving highly successful concerts in Rome, Naples, and Milan.
In January 1906, he was afflicted with paralysis on his right side, and though he would eventually return to the concert stage, he never completely recovered. He finished his last work, Oremus, on December 2, 1909. He died thirteen days later in Barcelona on December 15, 1909 at the age of 58.