Key facts
- Biggest cost
- Housing — rent or mortgage
- Lower than many EU capitals
- Public transport for residents (free with Tallinja card)
- Varies most by area
- Rent and property prices
- Budget for
- Air conditioning, schools, a car outside the centre
Housing
The biggest variable. Sliema, St Julian’s, Valletta and the gated developments cost the most; the south, the north and inland towns cost noticeably less. See the best places to live.
Utilities
Electricity and water bills depend heavily on air-conditioning use in summer and on the home’s insulation. See utilities in Malta.
Transport
Residents travel free by bus with a personalised Tallinja card. Outside the central towns most households run a car — budget for insurance, fuel and parking. See public transport.
Food and eating out
Supermarkets carry local produce and imported brands; eating out ranges from pastizzi at a corner bakery to fine dining.
Healthcare and schools
Public healthcare is available to those entitled; many expats add private insurance. International school fees are a significant cost for families — see international schools.
Tax
How much tax you pay depends on residence, domicile and any special regime — see tax residence.
