Moving to Malta
Moving to Malta appeals to many North Americans who want to combine Mediterranean beauty with European Union rights. The country is a small island nation in the central Mediterranean, strategically located between Europe and North Africa. With over 300 days of sunshine each year, Malta offers an unmatched climate that makes outdoor living, waterfront dining, and year-round recreation a reality.
English is one of Malta’s official languages, alongside Maltese, which makes relocation smoother for U.S. and Canadian citizens. From government services to business transactions and education, English is widely spoken and understood. This drastically reduces integration barriers compared with other EU destinations where language can be an obstacle during the first years of residence.
Safety and community life are also key draws. Malta consistently ranks among the safest countries in Europe, with low crime rates and strong community ties. Combined with the island’s rich history, cultural events, and a growing expat community, newcomers quickly find themselves at home. For many North Americans, Malta’s mix of security, culture, and accessibility to the EU makes it an ideal relocation choice.
Cost of Living in Malta
Malta’s cost of living is moderate compared to North American cities. Housing costs in prime areas such as Sliema or St. Julian’s are higher due to demand, but still below those of New York, Toronto, or Vancouver. Food costs vary, with imported goods priced higher but local produce and seafood remaining affordable. Transportation is inexpensive, with monthly bus passes covering the whole island at modest rates.
Healthcare costs are significantly lower than in the U.S., and public education is either free or very affordable. Expats who budget carefully often find they can enjoy a higher quality of life in Malta with lower monthly expenses. The island’s compact size also means less money spent on commuting and car ownership compared with larger countries.
For Americans and Canadians, one major advantage is predictability. Rent, utilities, and groceries are stable, without the steep inflation common in larger markets. Expatriates who adjust to local shopping habits—buying seasonal produce, dining in smaller restaurants, and avoiding over-reliance on imports—can maintain a comfortable lifestyle while spending less than in North America.
| Expense Category (Monthly) | Valletta (EUR) | Sliema (EUR) | Toronto (CAD) | New York (USD) |
| Rent 1BR (city center) | €850 – €1,200 | €950 – €1,400 | $2,200 – $2,700 | $2,800 – $3,500 |
| Utilities | €100 – €150 | €120 – €170 | $180 – $280 | $200 – $300 |
| Groceries | €250 – €350 | €280 – €400 | $400 – $550 | $450 – $600 |
| Public Transport | €30 – €40 | €30 – €40 | $130 – $150 | $130 – $160 |
Overall, Malta allows North Americans to maintain a cosmopolitan lifestyle with lower fixed costs, making relocation financially appealing as well as culturally rewarding.
Housing and Real Estate
Malta’s real estate market is varied and dynamic. Central areas such as Valletta, Sliema, and St. Julian’s are popular with expats, offering modern apartments, sea views, and proximity to restaurants, offices, and entertainment. For those seeking quieter lifestyles, areas like Gozo or the southern coast provide more affordable housing and a slower pace of life.
Renting is the preferred choice for newcomers. Leases are usually signed for 12 months, with a deposit equal to one or two months’ rent. Many apartments come furnished, which makes moving easier for expats arriving from overseas. Buying property is also open to foreigners, though in some cases special permits are required depending on the location and type of property.
Property investment in Malta is attractive not only for personal residence but also for rental yields. Tourism and the growing expat population keep demand steady, especially for short-term rentals. Retirees and remote workers often find that owning property provides both security and an additional source of income when not in use.
| Area | 1BR Apartment Rent (EUR) | Property Price per m² (EUR) |
| Valletta | €950 – €1,300 | €4,500 – €6,000 |
| Sliema | €1,000 – €1,400 | €4,800 – €6,500 |
| Gozo | €600 – €850 | €2,200 – €3,200 |
| Southern Malta | €700 – €1,000 | €2,500 – €3,800 |
For long-term settlement, purchasing real estate in Malta can be a solid financial decision. With consistent demand and limited land, property values tend to hold steady or appreciate over time, making it an attractive choice for expats planning to stay long-term.
Work, Business, and Taxes
Malta’s economy is robust and diversified, with strengths in finance, technology, iGaming, and tourism. The island has positioned itself as a hub for digital industries, attracting startups and established companies in blockchain, fintech, and online services. Skilled expats, particularly in IT and finance, will find a range of opportunities in Malta’s growing economy.
For entrepreneurs, Malta offers a business-friendly environment with competitive corporate tax systems and access to EU markets. The island’s regulatory environment is transparent, and English as an official language simplifies company formation, contracts, and negotiations for North Americans. This has made Malta a preferred base for small businesses and freelancers alike.
Taxation in Malta includes a progressive personal income tax system, but foreigners can benefit from special regimes. U.S. citizens must continue to file with the IRS, while Canadians need to manage residency and provincial tax rules. Malta has treaties with both countries to avoid double taxation, ensuring that income is not taxed twice if reported correctly.
- Corporate tax refunds reduce effective rates significantly for foreign shareholders
- Progressive personal income tax rates from 0% to 35%
- Tax treaties with the U.S. and Canada to prevent double taxation
Professional tax advice is strongly recommended for expatriates to optimize their legal obligations and take advantage of available benefits, especially for those with global income streams.
Healthcare and Education
Malta provides universal healthcare through its public system, complemented by a strong private healthcare sector. Public hospitals are modern and efficient, while private clinics offer faster access and English-speaking professionals. Many expats opt for private insurance to supplement public coverage and enjoy shorter wait times. For Americans and Canadians, Malta’s healthcare costs are considerably lower, making medical care both accessible and affordable.
Education is another strong advantage. Malta’s school system includes public, private, and international institutions, with English widely used as a medium of instruction. This makes it easier for expatriate children to adapt and continue their studies without major disruption. International schools offer American, British, and IB curricula, preparing students for global higher education.
At the university level, the University of Malta is highly regarded, offering programs in English across various disciplines. Tuition fees are affordable compared to North America, making Malta an attractive destination for students seeking quality education in an EU setting.
- High-quality public and private healthcare options
- Affordable education with English-language instruction
- International schools offering North American and British curricula
Families relocating to Malta benefit from a secure and supportive environment, with healthcare and education integrated into local communities. This infrastructure makes long-term settlement attractive for those seeking stability.
Residency Options in Malta
Malta offers several residence programs designed for different categories of expatriates. Work permits are available for those with local employment, while student visas apply to international students enrolled at Maltese institutions. For retirees and financially independent individuals, Malta’s Permanent Residency and Global Residence Programs provide long-term settlement opportunities.
One of Malta’s most notable options is the investment route, such as the Malta Permanent Residence Programme (MPRP). This requires investment in real estate, contributions to government funds, and proof of stable income. While not cheap, these programs are popular among North Americans seeking EU rights and a secure base in Europe.
Residency options are tailored to lifestyle needs, whether it’s working in Malta’s tech sector, retiring under the Mediterranean sun, or starting a business with EU access. Each route comes with its own requirements for income, housing, and insurance.
| Residency Route | Main Requirement | Initial Validity | Path to Citizenship |
| Work Permit | Employment in Malta | 1–2 years | Counts toward residence years |
| Student Visa | Enrollment at Maltese institution | Program length | Counts toward residence years |
| Global Residence Program | Minimum income & real estate rental | Renewable | Leads to long-term residence |
| Permanent Residence (MPRP) | Investment & government contribution | Permanent | Path to citizenship in the long term |
Residency in Malta is not only a legal status but also a gateway to EU mobility, allowing families to integrate into Europe while enjoying Mediterranean living.
Path to Citizenship
Maltese citizenship is highly desirable because it grants full EU rights and visa-free access to nearly 190 countries. There are several routes to citizenship, including naturalization after residence, marriage to a Maltese citizen, or descent for those with Maltese ancestry. Naturalization typically requires several years of residence and proof of integration, including language and cultural familiarity.
Malta also runs citizenship by investment programs under strict due diligence rules. These involve contributions to government funds, property investment, and charitable donations. Processing times are efficient, though costs are substantial. These programs are designed for high-net-worth individuals but are an attractive option for those who want to secure EU nationality quickly.
Dual citizenship is permitted, which means U.S. and Canadian citizens can hold Maltese passports without giving up their original nationality. This flexibility allows families to expand their global mobility while retaining ties to North America.
Comparison with Other EU Countries
Malta competes with several other EU countries as a relocation destination. Cyprus, Portugal, and Greece are common alternatives. Each country offers similar Mediterranean lifestyles but with differences in costs, taxes, and citizenship timelines. Malta stands out for its English-language advantage and compact, community-oriented environment.
Portugal offers a five-year path to citizenship, compared to Malta’s longer residence requirements for naturalization. Greece and Cyprus also provide residency-by-investment programs, but Malta’s due diligence reputation and EU stability make it especially appealing to North American families.
Ultimately, the choice between these countries depends on individual goals. Malta is particularly attractive for those who value language accessibility, safety, and an established expat community in a small but globally connected setting.
| Country | Residency to Citizenship | Language Requirement | Special Features |
| Malta | Several years (investment programs shorter) | English widely spoken | Strong expat community; EU hub |
| Portugal | 5 years | Basic Portuguese (A2) | Affordable living, vibrant expat scene |
| Greece | 7 years | Greek proficiency | Low property costs, beautiful islands |
| Cyprus | 7 years | Greek or Turkish | Split island, unique political situation |
North Americans looking for EU mobility should weigh Malta’s unique combination of English use, compact geography, and investment-friendly programs against the faster timelines in Portugal or lower property costs in Greece.
FAQ
Is English widely spoken in Malta?
Yes. English is an official language, making integration easier for Americans and Canadians compared with most other EU countries.
How much does it cost to live in Malta?
Living costs vary by location, but monthly expenses are generally 30–40% lower than in major North American cities. Housing is the largest variable expense.
Can foreigners buy property in Malta?
Yes, though some properties require special permits. Many expats purchase real estate, particularly in Valletta, Sliema, and coastal towns.
Does Malta allow dual citizenship?
Yes. U.S. and Canadian citizens can retain their original nationality while becoming Maltese citizens.
Is Malta good for retirees?
Yes. Malta’s climate, affordable healthcare, and retirement-friendly residence programs make it a top choice for North American retirees.
What is the fastest way to obtain Maltese citizenship?
Investment programs provide accelerated routes, though they involve significant contributions. Otherwise, naturalization requires several years of residence.
Is Malta a good place for families?
Yes. With safe communities, English-language schools, and excellent healthcare, Malta is highly suitable for raising children.