Malta is famous for its clear blue waters and historic architecture. From sunny beaches to charming fishing villages, this island nation offers more than just postcard views. Thanks to its welcoming communities and relaxed lifestyle, foreigners moving to Malta find it easy to settle in and enjoy a high quality of life.
If you’re thinking of moving to Malta in 2025, this Remitly guide covers updated visa requirements, best places to live, living costs, and what day-to-day life looks like on the island.
Why move to Malta in 2025?
Malta is quickly becoming a preferred destination for those seeking a life overseas. With over 173,000 foreign nationals living there, expats make up nearly a third of the country’s population. Let’s find out what makes this tiny nation so attractive.
Sunny Mediterranean lifestyle
Malta’s warm climate and beautiful coastlines make it perfect for outdoor activities all year round. The laid-back, Southern European culture means it’s easy to take the time to focus on cultivating a high quality of life. The island’s festivals, historic sites, and friendly communities make for a rich and enjoyable lifestyle.
A growing economy
Malta’s economy is growing, driven by tourism, financial services, and iGaming. These industries provide a wide variety of job opportunities in tech and finance, attracting professionals worldwide.
English-speaking environment
English is an official language in Malta, making daily life and work simpler for expats from the US, the UK, and other English-speaking countries. This can help you settle in quickly without facing language barriers when accessing government services.
Understanding visa and residency requirements for moving to Malta
If you’re moving to Malta as a foreign national, you’ll need a visa and a residence permit. Malta visa requirements are different depending on whether you are an EU national.
For non-EU nationals
Single permit (D visa):
Non-EU nationals who want to live and work in Malta need to obtain a Single Permit, which combines a work and residence permit. Your employer must start the application for you, and will need the following required documents:
- A valid passport and a PDF copy (valid for at least eight months)
- Europass CV
- A valid health insurance policy with at least €100,000 coverage
- Employment contract
- Declaration of suitability from your employer
- Proof of accommodation (rent or lease)
Your employer will fill out the online application and upload all the documents, pay the filing fee, and then send the application to you for review. The processing could take two to four months. Once approved, you’ll receive your permit, allowing you to live and work legally in Malta.
Nomad Residence Permit:
This Nomad Residence Permit is designed for remote workers and freelancers who can demonstrate that their income is earned from outside Malta. Applicants should be at least 18 years old and earn a minimum gross annual income of €42,000. In addition, you’ll need to show the following required documents:
- A letter of intent explaining why you’re applying
- Copy of your passport
- Proof of income (employment contract, freelance agreements, or business documentation)
- Evidence of monthly income (pay slips, bank statements, or contracts)
- A valid health insurance policy
- Police conduct certificate
- Marriage and birth certificates (if applicable)
- Proof of accommodation in Malta (property purchase or monthly agreement)
Remote workers and freelancers can find the Nomad Residence Permit application on the Residency Malta Agency Portal. Submit your application either online or at Identity Malta’s office, along with the €300 application fee. Payment details and methods are available on the website and you can pay via bank transfer.
Once approved, you’ll receive your permit, which allows you to stay in Malta for one year. It’s renewable annually, provided you continue to meet the criteria.
Citizen by investment:
Malta’s citizen-by-investment program (Exceptional Investor Naturalization) is no longer available following a European Court of Justice ruling in 2025 banning citizenship sales.
For EU/EEA citizens
EU/EEA citizens can live and work in Malta without a visa or work permit. However, if you’re staying longer than three months, you do need to apply for an eResidence card. This is a straightforward process that requires the following documents:
- If employed: Passport or ID, employment contract (less than six months old) or Jobplus employment history, Application Form A, and General Data Protection Regulation Form
- If unemployed: Passport or ID, Jobplus history or self-employment acknowledgement, VAT certificate, tax registration number, national insurance number, Application Form A, and GDPR Form
To apply, submit your documents online through the Expatriates Unit Portal and schedule a biometrics appointment (bring the originals and photocopies of your documents to the appointment). If successful, you’ll receive your eResidence document, usually valid for five years.
Finding work in Malta
Malta’s economy offers diverse opportunities for job seekers across various sectors:
Thriving industries
The iGaming sector has been growing and now contributes about 13% to Malta’s GDP. Around 10,000 workers, or 5% of the workforce, are employed in the sector. There is demand for experts in anti-money laundering, financial crime prevention, and risk assessment.
Malta’s tech industry is expanding rapidly, with a 6.14% annual growth rate. High-demand roles include AI architects, cybersecurity managers, and cloud engineers, with top salaries reaching up to €130,000.
The financial sector needs more experts in fintech, compliance, and risk management to assist with the integration of new technologies and stricter EU regulations.
Competitive advantage for expats
Foreigners moving to Malta enjoy several important benefits:
- Favorable tax rates: Qualified professionals in sectors like financial services, gaming, and aviation may be eligible to pay a flat 15% tax rate on their work income.
- Expat-friendly immigration regulations: Malta offers streamlined processes for work permits and residence, making it easier for foreign nationals to integrate into the workforce.
Job hunting tips
If you’re trying to find a job in Malta from overseas, register on online platforms like JobsinMalta, Keepmeposted, and Maltapark to search for job openings across various sectors. Be sure to maintain an up-to-date LinkedIn profile and consider creating a personal website or portfolio to showcase your skills and experience.
If you’re already in Malta or traveling there to explore your options, try attending some local industry events, workshops, and meetups to network with potential employers. You can also consider registering with Jobplus, Malta’s public employment service, which assists job seekers in finding suitable employment and offers career guidance.
Where to live in Malta
Once you’ve secured employment and a visa, the next step is finding somewhere to live. Let’s compare some of the top areas for expats.
Valletta
As Malta’s capital, Valletta is known for its historic architecture, cultural landmarks, and vibrant arts scene. The city provides easy access to amenities, dining, and entertainment options. But due to its central location and popularity, living costs and rent may be higher than other areas.
Sliema and St. Julian’s
These neighboring coastal towns are modern urban hubs known for stunning seafront views, shopping centers, and active nightlife. They’re ideal locations for expats seeking a dynamic lifestyle. However, rental prices in these neighborhoods could be higher than other areas.
Gozo
Gozo, Malta’s sister island, is quiet and has a countryside feel. The cost of living is generally lower, with more affordable rental options. However, getting to Malta’s main island for work or other activities requires a ferry ride, which may not be convenient for daily travel.
Mdina
Mdina, known as the silent city, is a quiet, historic town with narrow streets. It’s a good location for those who enjoy peace and history. However, there are limited shops and services, so you’ll need to visit nearby towns for shopping and other essential services.
Cost of living in Malta in 2025
The cost of living in Malta varies by location and lifestyle choices:
Housing
Housing costs are a crucial part of living expenses and prices vary between urban and rural areas:
| Location | 1-bedroom apartment (monthly rent in EUR) | 2-bedroom apartment (monthly rent in EUR) |
| Valletta | €833 – €1,000 | €1,000 – €1,300 |
| Sliema/ST. Julian’s | €833 – €1,000 | €1,000 – €1,300 |
| Gozo | €500 – €700 | €750 – €1,000 |
Monthly expenses for a single person and family:
| Expense item | Single person (in EUR) | Family (in EUR) |
| Electricity | €90 | €270 |
| Water | €10 | €50 |
| Internet and mobile services | €35 | €55 |
| Healthcare | €50 | €450 |
| Transportation | €50 | €100 |
| Food and groceries | €400 | €1,000 |
| Leisure | €200 | €400 |
Note: These numbers are estimates. Actual costs can vary, so budget 10% extra.
Budgeting tips for expats
- Choose your location wisely: Living outside major urban centers like Valletta and Sliema can significantly reduce housing costs.
- Use public transportation: Malta’s public transport system is affordable, reducing the need for a personal vehicle.
- Shop local: Purchasing local produce and goods can lower your grocery bills.
- Monitor your utility usage to lower electricity and water bills.
With accurate planning, you can live comfortably in Malta while staying within budget.
Daily life in Malta
Living in Malta combines modern comforts with Mediterranean charm.
Healthcare
Malta provides high-quality, tax-funded public healthcare services to citizens and legal residents. EU nationals can access these services with a European Health Insurance Card (EHIC). Non-EU nationals need to obtain private health insurance in order to apply for residence and work permits. Once their residence is approved, they can also register with the public healthcare system and enjoy the benefits.
Transportation
Malta boasts an efficient public transport network, primarily consisting of buses that cover most areas on the island. Given Malta’s compact size, walking and cycling are also viable options for getting around, especially in urban areas. Ferries are available for inter-island travel, such as between Malta and Gozo.
Banking
To open a bank account in Malta, you’ll need to provide identification (passport or ID), proof of address (utility bill or rental contract), and in some cases, a reference letter.
HSBC Malta and Bank for Valletta are popular banks for expats, offering various services designed for international clients.
Cultural life and leisure
Life in Malta is relaxed, with lots of outdoor activities and plenty of culture to enjoy. With over 300 days of sunshine annually, it offers an ideal climate for sailing, hiking, and beach outings.
Malta also hosts numerous festivals, including Notte Bianca, an annual all-night cultural event in Valletta featuring art, music, and performances.
Final takeaways
Malta combines a relaxed Mediterranean lifestyle, a growing economy, and expat-friendly services, all in a safe and welcoming environment. Whether you’re moving alone or with your family, Malta offers a great place to start a new chapter.
To get started, check official government websites for up-to-date visa and residency information, and connect with local expat groups for support. And count on Remitly when it comes time to send funds securely to your new location or share money with family back home.
FAQs
Can US citizens move to Malta?
Absolutely! US citizens can visit Malta visa-free for up to 90 days. To stay longer, you’ll need a residence permit based on work, study, or other legal grounds.
How does the cost of living in Malta compare to the US?
Malta is generally more affordable than major US cities. Rent, healthcare, and transportation costs are lower, but imported goods and utilities can be more expensive.
What are the job requirements for expats looking to work in Malta?
Non-EU expats need a job offer and a Single Permit to live and work in Malta. EU nationals can work freely but need to register for an eResidence card if staying over three months.
How can EU nationals gain permanent residency in Malta?
EU citizens can apply for permanent residency after legally residing in Malta for five continuous years. You need to show proof of stable income, accommodation, and health insurance.