Living in Malta: Your Complete Expat Guide.

Are you dreaming of Mediterranean living with a British twist? Malta, a sun-soaked archipelago in the heart of the Mediterranean, could be your perfect destination. With its unique blend of European culture, English-speaking environment, and laid-back island lifestyle, Malta attracts over 115,000 foreign residents. Whether you’re considering retirement, career opportunities, or a lifestyle change, this guide will provide everything you need to know about living in Malta in 2024 and beyond.

Why Choose Malta as an Expat?

Malta offers a compelling combination of stunning coastlines, historic architecture, and modern conveniences. Its appeal lies not only in its natural beauty but also in its practical benefits for expatriates.

Its actually one of the most walkable countries on earth to be fair, its super convenient in that way. And if you’re tired just jump on a free public bus.. Inflation-Witty – Reddit

Key Benefits of Living in Malta

English-Speaking Environment: As one of Malta’s two official languages (alongside Maltese), English is widely used in business, education, and everyday life, making it an excellent choice for English-speaking expats.
Mediterranean Climate: With approximately 3,000 hours of sunshine annually, Malta is perfect for those who value warm, sunny weather. Winters are mild, and summers are long and hot.
Strategic Location: Malta’s position offers easy access to Europe, North Africa, and the Middle East, making it ideal for both business and travel.
Healthcare Quality: Malta ranks highly for healthcare within the EU, with both public and private options offering excellent services.

The Maltese are not trying to be rude and as a whole they are lovely, helpful people but a lot gets lost in translation. As soon as you accept this you can get past the shouting lol.. plitts – Reddit

Safety

Malta has one of the lowest crime rates in the European Union, providing a secure environment for families, retirees, and professionals.

Violent Crime: Extremely rare; most offenses involve minor disputes or isolated incidents.
Property Crime: Low compared to other EU countries, though petty theft can occur in busy tourist areas like Valletta and St. Julian’s.
Drug-Related Crime: Minimal and primarily small-scale; strict law enforcement keeps major operations in check.
Cybercrime: An emerging concern due to Malta’s growing digital economy, with ongoing government efforts to enhance cybersecurity.

Safety Tips

Keep belongings secure in crowded areas.
Use trusted transportation like licensed taxis or ride-sharing apps.
Be cyber-aware when using public Wi-Fi.
Avoid isolated areas late at night.

The people are up there with the most laid back people I’ve ever met. There’s definitely some radical views, but I’ve found people like that everywhere I’ve ever been, and here they mostly keep to themselves from what I’ve experienced. N00bpwner6969 – Reddit

Cost of Living in Malta in 2024

Understanding the cost of living is essential for planning your move to Malta. While Malta is generally more affordable than Western Europe and the US, prices for housing and daily expenses have risen in recent years due to its growing popularity.

Housing Costs

One-bedroom apartment in the city center: €949 per month
Three-bedroom apartment in the city center: €1,625 per month
Utilities (85m² apartment): €91 monthly

Daily Living Expenses

Monthly public transport pass: €15
Weekly groceries for a single person: €40–€70
Meal at an inexpensive restaurant: €15
Three-course meal for two at a mid-range restaurant: €70

A family of four requires approximately €2,700 per month (excluding rent) for a comfortable lifestyle. While prices are rising, Malta remains more affordable than countries like France, Germany, or the UK.

Malta’s cost of living strikes a balance between affordability and quality of life. While housing and utilities can feel expensive, the island compensates with lower transportation costs, affordable healthcare, and competitive taxes. Expats and locals alike enjoy a high standard of living with access to Mediterranean culture, safety, and stunning natural beauty. By managing expectations and planning wisely, Malta can be an excellent value for those seeking a vibrant and relaxed European lifestyle.

Best Areas to Live in Malta

Choosing where to live in Malta depends on your lifestyle preferences, budget, and family needs.

Valletta

The capital city combines historic charm with modern conveniences. Valletta is ideal for professionals working in finance and culture enthusiasts who appreciate art, museums, and architecture.

St. Julian’s

Popular among young professionals and digital nomads, St. Julian’s boasts vibrant nightlife, modern apartments, and a bustling tech hub. Its beautiful marina views make it a desirable location for expatriates.

Mellieħa

Mellieħa offers a quieter atmosphere, spacious properties, and Malta’s largest sandy beach. It’s perfect for families, retirees and nature lovers seeking a relaxed lifestyle away from the city.

Sliema

Sliema is a cosmopolitan area known for its shopping centers, seafront promenade, and modern housing options. It attracts professionals and families looking for upscale living close to entertainment and amenities.

Gozo

Gozo is Malta’s smaller, more rural sister island. Known for its tranquility, it’s ideal for retirees or those seeking a slower pace of life. Gozo offers lower housing costs and a tight-knit community.

Working and Business Opportunities in Malta

Malta’s economy is robust and diverse, offering opportunities across various sectors. Its business-friendly policies and strategic location make it an attractive base for international professionals.

Key Industries for Expats

Financial Services: Malta’s well-regulated financial sector provides opportunities in banking, insurance, and investment.
Online Gaming (iGaming): As a global hub for online gaming companies, Malta offers lucrative jobs in this fast-growing industry.
Tourism and Hospitality: The thriving tourism industry creates opportunities for professionals in hotels, restaurants, and travel services.
Technology and IT: Malta is emerging as a tech hub, attracting startups and established companies.
English Language Teaching: Malta’s English-speaking environment makes it a popular destination for international students learning English.

Salaries in Malta

The average salary in Malta ranges from €1,700 to €2,200 per month. While salaries are lower than in some Western European countries, the favorable tax system and relatively affordable cost of living compensate for this difference.

Malta is not cheap and the price of everything seems to be increasing, but wages aren’t changing. The only thing I expect to be cheaper is public transport, as it’s a small island and buses are free for residents skattrd – Reddit

Healthcare in Malta

Malta’s healthcare system is among the best in the EU, providing high-quality care through public and private options.

Public Healthcare

Residents contributing to Malta’s social security system can access public healthcare, which includes hospital services, general practitioners, and prescription medication. EU citizens can use their EHIC/GHIC cards for temporary stays.

Private Healthcare

Many expats opt for private healthcare due to shorter wait times and modern facilities. Private insurance costs between €300 and €1,000 annually, depending on the level of coverage. English-speaking medical professionals are widely available, ensuring ease of communication.

People are generally welcoming. It’s not without its problems and everyone is just a bit on edge because it’s the middle of the summer, everything is hot as hell and the place is teeming with tourists. StayUpLatePlayGames – Reddit

Education Options

Malta offers excellent education opportunities for families moving with children.

Public Schools: Free for residents but primarily taught in Maltese.
Private International Schools: English-language curricula, including British and IB options, with annual tuition ranging from €4,000 to €12,000.
University of Malta: Affordable tuition fees and a range of programs taught in English make it a popular choice for higher education.

I would say Malta is relatively cheap for families with young children because of the amount saved on childcare costs. That being said rent prices are very high in central areas and grocery shopping seems to keep increasing. climochange – Reddit

Practical Tips for Moving to Malta

Visa and Residency

EU Citizens: No visa required; registration is necessary after 90 days.
Non-EU Citizens: Various residency options are available, including digital nomad visas, work permits, and investment-based pathways like the Malta Permanent Residence Programme (MPRP).
Digital Nomads: The Malta Nomad Residence Permit is an excellent option for remote workers earning at least €42,000 annually.

Banking and Finances

Malta’s banking system is reliable, with multiple international and local banks offering services. Opening a bank account is straightforward, and the country’s financial services sector is strong.

Transportation

Malta’s public transport network is efficient, with a monthly bus pass costing just €15. Ferries connect the main island with Gozo, and ride-sharing apps and taxis are readily available. For those planning to drive, owning a car is convenient but not essential, especially if living in urban areas.

Specific Concerns for US Expats

Taxes

US expats must file US taxes while navigating Malta’s tax system. Consult a tax advisor familiar with US-Malta treaties to avoid double taxation.

Cost of Living

While affordable compared to Western Europe, housing costs are rising. A family needs ~€2,700/month (excluding rent). Explore areas like Mellieħa or Gozo for lower costs.

Cultural Adjustments

Malta’s slower pace, limited shopping hours, and left-hand driving may take time to adapt to. Embrace the island’s relaxed lifestyle and plan errands accordingly!

FAQs

How much does a family need to live comfortably in Malta?
A family of four needs approximately €2,700 per month, excluding rent, for a comfortable lifestyle.

Is Malta expensive compared to other EU countries?
Malta is generally more affordable than Western European countries, though housing and utilities costs have risen in recent years.

Do I need to learn Maltese?
While learning Maltese is appreciated, you can easily live and work in Malta speaking only English, as it’s one of the country’s official languages.

Can I access healthcare in Malta?
Yes, both public and private healthcare options are available. Public healthcare is free or subsidized for residents, while private insurance ensures faster access and additional services.

Can I buy property in Malta as a foreigner? Yes, foreigners can buy property in Malta, but there are restrictions. Non-EU citizens must purchase property in designated Special Designated Areas (SDAs) or meet specific investment thresholds.

Final Thoughts

Malta offers an unbeatable combination of Mediterranean beauty, modern amenities, and a welcoming expat community. With its English-speaking environment, strong economy, and excellent healthcare system, Malta is a top choice for individuals and families seeking a new life in Europe. Whether you’re planning to retire, pursue career opportunities, or enjoy the flexibility of remote work, Malta provides a high-quality lifestyle with endless opportunities for adventure and relaxation.