Moving to Malta: An Expat Guide to Living on the Island

Malta is a consistently popular destination for expats, remote workers and retirees: Mediterranean climate, English as an official language alongside Maltese, EU membership and a relatively straightforward administrative environment. This is an orientation, not legal or tax advice — rules change and individual circumstances vary, so verify specifics with official sources or qualified professionals.

Language

English is an official language of Malta alongside Maltese, which makes day-to-day administration, banking and healthcare noticeably easier than in most other EU countries. Government communications, professional services and most business signage operate in both languages.

Residency and visas

EU and EEA citizens can live and work in Malta freely with registration at IdentitàMalta. Non-EU nationals have several routes including work permits, the Nomad Residence Permit for remote workers, and various residence and retirement programmes — each with income, health insurance and accommodation requirements. Check current requirements directly with Residency Malta Agency (residencymalta.gov.mt) or IdentitàMalta (identitamalta.com) before planning your move.

Cost of living

Generally lower than Northern and Western Europe, though the gap has narrowed — especially for rental accommodation in Sliema, St Julian's and central areas, where rents have risen sharply in recent years. The north, south and Gozo offer lower rents. Cost of food, utilities and transport remains reasonable. Research current figures before making budgeting decisions.

Healthcare, banking and schools

Malta has a well-regarded public healthcare system centred on Mater Dei Hospital; private healthcare is also available. EU citizens with an EHIC card can access public healthcare; contributing residents build entitlement to the full public system. Banking can require documentation and time. Malta's tax regime has specific provisions for some residents — get qualified advice from a Malta-registered tax adviser or the Commissioner for Revenue (cfr.gov.mt). International and state schools are available.