Last Updated: July 21, 2019

Malta vs U.S cost of living

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Malta cost of living compared to U.S.

Malta vs U.S. monthly cost breakdown on this post because I’m sure a lot of people are wondering how much things cost in this part of Europe, and especially on the island of Malta as they research their move. Malta being a popular destination already for expats from across Europe, it is starting to gain ground with U.S. expats thanks to shows like House Hunters International. Since this was information that was basically non-existent when we started doing our research, I thought  l’d give a breakdown of what we typically spend monthly in Malta.  I have converted the prices to U.S dollars at the time of writing for conformity. You can see that you do get a bang for your buck.


Things to keep in mind for the cost of living Malta vs USA:

  • We currently rent a 2 bedroom, 2 bath Marina view apartment with a large terrace, right in the center of town. If we lived  just a block or two behind , the same unit would cost about $200 less. We do this because l really like the view, remember my motto is everything in moderation so no extreme frugality for this girl.
  •  Central Malta  is also not a dog friendly place and it therefore makes it hard to find apartment buildings that let you keep pets. More often than not, as soon as you mention pets, most either hang up or stop listening. If your budget is high, that is you want to live like you did back in the States, meaning a swanky apartment in Sliema for instance, a lot of landlords are willing to accommodate pets, but your rent would be at least triple what we pay currently.

I think the reason for the attitude towards pets is probably because the places come furnished (usually crappy and mismatched but furnished nonetheless.), so they are afraid the pets will ruin furniture etc. This is the view from our terrace. I like to sit on the terrace dreaming we own one of these babies, or at least know someone that owns one! It goes without saying that an expensive flat would have good furniture.

Malta vs U.S monthly cost comparison view from our balcony of the Msida Marina

Our view from the apartment of the Marina. We really love the area.

  • I budget our monthly grocery bill at the high end. We love to eat well at home, and rarely, very rarely go out to eat. We splurge on seafood (which is very expensive here, as most seafood are sold to Italy, because they pay better according to the fishery which sucks for us). The weeks we don’t get fresh seafood, our grocery bills are less
  • We seldom take the bus. We use convenience stores which are walkable, and do the big supermarket once weekly. The gym, post office, butcher, banks etc. are within 10 minutes walk, and l walk slowly!!!The bus stop is practically right outside the front door.
  • Our cell phones do not have data plans. We brought our old unlocked phones with us and just purchase top up cards as we go along. I am still using the same €10 top up card l purchased 4 months ago! It costs to call and to receive phone calls here, so most people don’t use it. I love it, l am not assaulted by people yakking away on their frigging phones. Texts are cheaper, so most use it. We also use the magic jack app, so we can still make and receive calls to the U.S for free. In Europe, most people communicate through Whatsapp, a free app owned by Facebook that lets you make free calls all over the world via WiFi

Once our current insurance runs out, we will most likely just pay as we go. Doctor’s visits run about $10-15. If you read my post which can be found here  regarding my E.R visit , you’ll see why.

Malta vs U.S. monthly cost breakdown Chart:

table of cost of living in Malta vs U.S monthly cost

Malta vs U.S cost difference: As you can see the living cost in Malta is definitely less than we were spending back in the States.

Related Reading: Sliema Malta

Malta cost of living:

From the above table, you can see that the cost of living Malta is extremely cheap compared to the U.S. In Malta, there are community fees to be paid (similar to the American HOA) but that is usually included in your rental fee. You may choose to have rental insurance, but again, that is a cheap fee..about 20€ per month or less.

You can also reduce your Malta cost of living a bit by eliminating cable service. We both enjoy football (him more than me) so it’s worth it to have that package but we have friends who only watch Netflix which runs for about €12 per month.

Check out images from our neighbourhood here. Not too shabby!

*Update for 2019*

The costs in Malta for rentals have slowly increased just like everywhere else. The same unit that we lived in here would now cost you roughly $150 more per month. Moving further out would still be a little cheaper. As Malta continues to increase in popularity with expats, the prices will keep the upward trajectory.

For us, it’s a no brainer. It costs us much less in Malta compared to the USA. Less than half in fact. It is therefore a good incentive for people like us to consider being expats. If you’re curious about monthly expense differences of Malta compared to Spain,you can read this for the numbers.

Are you surprised by the Malta vs U.S cost comparison difference? or is it in line with what you expected? Are you ready to pack your bags now and go off on a new adventure?

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