Moving to Malta is an adventure. The sun-drenched coastlines, historic architecture, and welcoming locals make it a dream destination. But before you settle into island life, there’s one challenge to tackle—finding the perfect home.
The Maltese property market is booming, with high demand from both locals and expats. Whether you’re looking for a sleek apartment in Sliema, a traditional townhouse in Mdina, or a countryside villa in Gozo, the search can feel overwhelming. But don’t worry—here’s how to find a home that suits your lifestyle, budget, and long-term goals.
Understanding Malta’s Property Market
Malta’s real estate market moves fast. Properties can be listed and rented or sold within days. That’s why you need to act quickly, but also make informed decisions. Prices vary significantly based on location. Coastal areas like St. Julian’s and Sliema command premium prices, while inland villages like Mosta and Żebbuġ offer more space for your money.
If you’re planning to rent, you’ll need to budget for a deposit (usually one month’s rent), the first month’s payment, and possibly agency fees. If you’re buying, expect to put down at least 10-20% as a deposit, plus legal fees, stamp duty, and notary costs.
Knowing the financial side of things helps you set realistic expectations. It also ensures you don’t waste time looking at properties that are beyond your reach.
Renting vs Buying: Which is Best for You?
As an expat, you need to decide whether to rent or buy. Renting is the easiest way to settle in quickly. It gives you the flexibility to explore different areas without committing to one spot. You might think you want to live by the beach, only to realize later that you prefer the quiet charm of a historic village. Renting gives you time to figure that out.
Searching for properties to rent in Malta is a great starting point. Whether you’re staying for a year or just want to test the waters before buying, renting offers low-risk flexibility.
Buying, on the other hand, is a long-term investment. Malta’s property market has seen consistent growth, making real estate a valuable asset. If you’re planning to stay for several years, buying could save you money in the long run. However, foreign buyers need to check legal requirements, including the Acquisition of Immovable Property (AIP) Permit if they’re purchasing outside a Special Designated Area.
Renting gives you freedom. Buying gives you stability. The best choice depends on your personal plans and financial situation.
Finding the Perfect Location
Malta may be small, but each town and village has its own personality.
If you thrive in a lively, modern environment, Sliema and St. Julian’s are perfect. These areas are packed with restaurants, shops, and seafront promenades. But they come at a price—rental and purchase costs are among the highest in Malta.
For a quieter, more traditional feel, consider Mosta, Naxxar, or Rabat. These areas offer a strong sense of community, larger properties, and a more relaxed pace of life.
If you’re drawn to Malta’s historic charm, Mdina or Vittoriosa could be ideal. Living in a centuries-old stone house surrounded by history is a unique experience. But keep in mind, older homes may require more maintenance.
Prefer island life? Gozo offers a slower pace, beautiful scenery, and more affordable property prices. It’s perfect if you work remotely or want to escape the busier parts of Malta.
Choosing the right location is just as important as choosing the right property. Think about your lifestyle, commute, and daily needs before making a decision.
Making the Right Move
Finding your dream home in Malta takes time and research. The market is competitive, so you need to be prepared. Work with a reputable real estate agent, check legal requirements, and don’t rush into any decision.
Whether you rent or buy, one thing is certain—Malta is an incredible place to call home. With its stunning landscapes, rich culture, and welcoming atmosphere, you’re not just moving to a new house. You’re starting a new life in a country that offers the perfect balance of history, modernity, and Mediterranean charm.
Take your time, explore your options, and make the choice that feels right for you. Soon enough, you’ll be settling into your dream home, enjoying everything that Malta has to offer.
