Living in Malta from the USA in 2025: Everything You Need to Know Before Moving

Why Malta is America’s Best-Kept European Secret in 2025

If you’re an American looking to relocate to Europe in 2025, Malta should be high on your list—and yet, it’s often overlooked. That’s changing rapidly. This tiny island nation in the Mediterranean is now one of the fastest-growing expat hubs, particularly for remote workers, retirees, entrepreneurs, and digital nomads from the United States.

Why? Because Malta offers something unique: the elegance and charm of Europe with the accessibility, tax advantages, and community comforts Americans crave.

• English is an official language.

• The healthcare system rivals the best in the EU.

• Residency programs are foreigner-friendly.

• And it’s incredibly safe, sunny, and scenic.

By the end of this guide, you’ll know exactly why moving to Malta from the USA may be the best life decision you’ve ever made.

How to Move to Malta from the USA: Visa Options Explained

Let’s start with the paperwork. Americans don’t need a visa for tourist visits under 90 days, but to live long-term in Malta, you’ll need a proper residency permit. Luckily, Malta offers multiple visa options tailored to different lifestyles.

1. The Malta Permanent Residency Programme (MPRP)

This is the flagship investment residency program for third-country nationals (non-EU citizens). It grants the right to reside in Malta permanently.

Requirements include:

• €100,000+ in government contributions and real estate investment (or rental)

• A clean criminal record

• Comprehensive health insurance

You don’t need to live in Malta full-time, but it grants visa-free access to Schengen countries and the right to reside with your family.

2. Malta’s Global Residence Programme (GRP)

Perfect for remote workers, consultants, or freelancers, GRP offers a low-tax environment with a flat minimum tax commitment of €15,000 per year.

To qualify, you’ll need to:

• Rent a property for at least €8,750 annually (or buy for €220,000+)

• Have stable income from outside Malta

• Not work for a Maltese company directly

3. Nomad Residence Permit

A big hit among Americans in 2024, this permit is ideal for digital nomads. You must:

• Earn at least €32,400/year from a company registered outside Malta

• Prove remote income and valid health insurance

• Commit to residing in Malta (not just “visit”)

This visa is issued for one year, renewable for up to 3 years.

4. The Malta Retirement Programme

Designed for retirees who can show steady pensions or passive income.

• Applicants must be 55+

• Cannot take up employment

• Must rent or purchase property and pay annual minimum tax

This route is favored by many Americans relocating to Gozo or southern Malta for peaceful retirement living.

Cost of Living in Malta vs the USA: 2025 Edition

You’ll be pleasantly surprised to discover that Malta is significantly cheaper than most major U.S. cities.

Let’s break it down.

Housing

• Rent for 1BR in Valletta or Sliema: €900–€1,200

• Outside city center: €600–€800

• Buying price per m² in capital: €3,500–€4,500

Compare that to cities like San Francisco or Miami, where you might pay over $3,000 per month just for rent. Malta wins by a landslide.

Utilities and Internet

• Utilities (electricity, water, gas): ~€100–€140/month

• Internet: ~€35/month

Groceries and Dining

• Weekly groceries (1 person): ~€50–€70

• Cappuccino: €2

• 3-course meal at a mid-range restaurant: €25–€35

Healthcare

Malta has a dual system: public and private. Most expats combine both. Public healthcare is free or low-cost for legal residents, while private plans are affordable and high-quality. Many American expats report saving thousands annually in medical expenses after relocating.

Where Do Americans Live in Malta? Best Places to Settle

Whether you’re a retiree, remote worker, or entrepreneur, Malta has a spot that fits your lifestyle and budget.

Sliema and St. Julian’s

Modern, expat-heavy areas with luxury apartments, seaside promenades, and lively nightlife. Great for remote workers and young professionals.

Valletta

The capital city. A UNESCO World Heritage site with stunning architecture, government offices, and an artistic vibe. Suits culture lovers.

Gozo

Malta’s quieter sister island, Gozo is rural, scenic, and ideal for retirees or families seeking peace.

Mellieha and Mosta

Affordable and local-feeling towns with access to beaches and schools—great for families and those avoiding city buzz.

Understanding Taxes in Malta for American Expats

One of the biggest draws for U.S. citizens moving to Malta is its remittance-based taxation system. Here’s what that means for your wallet.

What Is Remittance-Based Taxation?

In Malta, as a non-domiciled resident, you are only taxed on the income you bring into Malta—not on your worldwide earnings. For example, if you’re earning money from a U.S. business and keeping it in a U.S. account, Malta won’t tax it, unless you transfer it into the country.

This can mean significant tax savings for U.S. remote workers, business owners, or retirees.

Double Taxation Agreements (DTAs)

Malta and the U.S. have agreements in place to avoid double taxation. You can credit taxes paid in the U.S. against any liability in Malta, depending on the situation. However, it’s highly recommended to work with a tax advisor familiar with both systems.

Can Americans Get Maltese Citizenship or Dual Nationality?

Yes, but it’s a long-term path.

Residency vs Citizenship

Living in Malta with one of its residency permits does not automatically lead to citizenship. But, after living legally in Malta for 5 years or more, and demonstrating integration (language, taxes, residency), you may become eligible for naturalization.

Alternatively, high-net-worth individuals can explore the Maltese Citizenship for Exceptional Services program—requiring significant donations, real estate purchases, and due diligence.

Dual Citizenship Rules

Both Malta and the USA allow dual citizenship, so you won’t have to give up your American passport if you become a Maltese citizen. This gives you EU freedom of movement, and access to education, healthcare, and property in 27 countries.

How to Settle in Malta: A Step-by-Step Guide for Americans

Relocating to Malta is exciting, but it’s important to be prepared. Here’s a roadmap for a smooth transition.

1. Get a Codice Fiscale (Tax ID)

You’ll need this to open a bank account, rent property, or register for healthcare.

2. Open a Local Bank Account

This is required for rental contracts and utility payments. Banks like BOV, HSBC Malta, and APS offer English-language support.

3. Find Accommodation

You can rent short-term while you explore areas. Use portals like Maltapark, Frank Salt, or Remax Malta.

4. Apply for Residency

Once you have your paperwork in order (passport, insurance, proof of income), submit your application through Identity Malta.

5. Register with Local Authorities

Within 3 months of arrival, you must register your address at the local Anagrafe.

6. Enroll in Healthcare

You’ll gain access to Malta’s public health system or can opt for affordable private insurance.

Education in Malta: What American Families Should Know

If you’re moving with children, Malta offers a range of English-speaking international schools and private academies.

Popular options include:

• Verdala International School

• QSI International School of Malta

• St. Martin’s College

The University of Malta is also highly regarded and offers degree programs in English.

How Safe Is Malta for American Expats?

Very. Malta is one of Europe’s safest countries with very low violent crime and a strong police presence. Petty crimes are rare, and neighborhoods are walkable day or night.

You’ll quickly notice that locals are friendly, helpful, and often speak fluent English, making integration much easier than in many other European countries.

What’s Life Really Like? Social Life, Culture, and Daily Living

Malta isn’t just about residency benefits and taxes—it’s about quality of life.

• 300+ days of sunshine

• Gorgeous beaches and historic towns

• World-class diving, sailing, and hiking

• A vibrant food culture influenced by Italy, the Middle East, and North Africa

• Weekly markets, village festas, and open-air concerts

Americans often find that the pace of life is slower, more relaxed, and deeply family-oriented.

Why 2025 Is the Best Year Yet to Move to Malta

Several 2025-specific trends make Malta especially attractive this year:

• The Digital Nomad Permit is being refined, with lower income thresholds expected.

• Property prices have stabilized post-COVID, offering great buying opportunities.

• The euro remains weak compared to the dollar, giving Americans stronger purchasing power.

• Malta is making new infrastructure investments, especially in transport and green energy, which will improve long-term livability.

Malta Is More Than a Destination—It’s a Lifestyle

For Americans tired of inflation, expensive healthcare, long commutes, and political stress, Malta offers a new beginning: affordable living, personal freedom, and European charm—all in English.

Whether you’re a retiree, digital nomad, startup founder, or simply seeking a better quality of life, Malta is ready to welcome you in 2025.

And if you’re serious about relocating, don’t go it alone. At NotteGlobal, we help Americans secure the right visa, find housing, and settle in Malta with peace of mind.