10 Things to Know Before You Go to Malta

Things to Know Before You Go to Malta
Mary and Kevin live better in Malta than they did in the US—for less money. Start your new life in Europe right here.|iStock/ewg3D

Our retirement to Gozo, Malta, has been one of the best decisions of our lives. After almost three years in Gozo, we are settled and have adapted to a new way of life that has brought us health, happiness, and a renewed sense of adventure.

We’ve had many inquiries from folks interested in Malta as a retirement destination. That inspired us to put together this list of things that will be handy to know whether going for a vacation, extended stay, or taking the retirement plunge.

1. More than one island

The Republic of Malta is an archipelago in the center of the Mediterranean Sea. There are 22 islands and islets, but only three are human-inhabited, and one, Camino, has only two inhabitants.

Malta, the main island and the country’s namesake, has a population of 542,000 in an area of 122 square miles. Malta is densely populated, although some agricultural land, small villages, beaches, and wildlife preserves exist. The lifestyle on the island of Malta is mainly a fast-paced city vibe with more cars than people. The cost of living on Malta is slightly higher than on Gozo. For example, a one-bedroom apartment on Malta averages $800 to $1,140 per month, while on Gozo, the same apartment averages $570 to $800.

Gozo, Malta’s little sister, has a population of 39,000 in an area of 26 square miles. The island is mainly agricultural and open land, with over 7,000 residents living in Victoria, the capital city. The remainder of the population lives in 17 small villages where life is slow-paced and focused on family, faith, the land, and the sea. Village social life often centers around the village square, where folks gather to share coffee and all the latest news.

2. Language

Malta has two official languages, Maltese and English. English is widely spoken and is the language used for all government business. Maltese is challenging for many to learn. It’s a mix of Arabic, Italian, English, and a bit of French. Generally, all signage is in English. Menus are usually in English, sometimes in both languages.

3. Currency

As a member of the EU, Malta’s currency is the euro. Foreign currency can be exchanged at banks. Credit and ATM cards are widely accepted. However, you will occasionally find a cash-only shop. Applications like Revolute and Wise are commonly accepted. Bank ATMs are ubiquitous and the best place to get euro. 

PRO TIP: Don’t use non-bank ATMs because they have high service fees and low exchange rates.

4. Transportation

Getting to Malta is usually by air. There are no direct flights from the US. You will fly from the US to a major European city such as Paris, Frankfurt, or Vienna. From there, you can connect to Malta International Airport (MLA).

You can also get to Malta via ferry from Sicily aboard a high-speed hydrofoil. The ships also accept cars. It’s generally a three-hour journey in comfortable seating, with wifi, food, beverage, and shopping all available on board.

Public Transit here is modern, safe, clean, and efficient. A single trip is $2.75, and bus cards are available for multiple rides at discounted prices for short stays. Once you have an address in Malta, you can apply for a bus card with unlimited free rides.

Driving in Malta can be challenging. Cars drive on the left side of the road, and most vehicles are left-hand drive. The island of Malta has some highways, but city streets are narrow and congested. On Gozo, there are no highways. Village streets are narrow, with twists, turns, and blind corners. Fuel is expensive ($1.46 per liter), and parking is the biggest challenge of all.

Taxis are widely available and relatively inexpensive when a city bus won’t do. 

PRO TIP: Don’t use White Cabs; they often overcharge. Instead, use a SmartPhone service such as Uber or Bolt.

5. Food

Fresh, clean, and wholesome food is available in food shops, street markets, and eateries everywhere on the islands. Locally grown fruit and vegetables are harvested and distributed daily. You can get processed food in supermarkets, but it’s not a big part of the Maltese diet.

Malta’s Mediterranean cuisine has significant Italian influence but also incorporates elements from various cultures. African Muslims introduced pastries, and the Knights of St John brought rabbits. Many traditional dishes also show Spanish, French, Provençal, and British influences.

6. Shopping

Shopping in Malta takes many forms, from modern multi-level malls in the cities to street markets in the villages. Small shops specializing in one product or type of goods operate in small villages. You’ll find bakers, butchers, greengrocers, food shops, and delis. Clothing shops may specialize in one gender or just shoes, or perhaps children’s clothing. Cards are usually accepted, but some smaller shops may ask for cash.

7. Residency

Malta has several residency options available. A 90-day visa is automatic when you enter the Schengen Zone. To remain more than 90 days, you must have official residency, such as the Malta Permanent Residence Programme, the Global Residence Programme, the Ordinary Residence Programme, or a work or student permit. There are also options for EU/EEA nationals and Digital Nomads. As with many EU countries, the residency programs are changing frequently. 

8. Medical

Malta has a state-supported medical system. However, most resident permits require you to have private medical insurance. Thankfully costs are reasonable, depending on the plan you choose. While visiting before residency, we suggest a travel insurance policy that covers medical emergencies.

9. Cost of living

Most sites that compare the cost of living between Malta and the US indicate that living in Malta is 40% cheaper. We have found that on Gozo, it’s 50% more affordable for most things, with rent and utilities being far less than our former California home. Food costs are a pleasant surprise when you buy seasonal and non-imported products.

10. Weather

Malta has a Mediterranean climate madeup of hot, dry summers and mild, rainy winters. Summer temperatures can exceed 86 F, while winters range between 50 F and 59 F. The islands benefit from 300 days of sunshine annually, making them an ideal destination year-round for outdoor activities and exploring unforgettable landscapes.

We hope these “things to know before you go” will improve your experience when you visit the Mediterranean’s siren, Malta and perhaps even give you a leg up on joining us here for a happy, affordable retirement.

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