FREE RELOCATION TOOL
Malta Expat Cost of Living & ARMS Utility Calculator
Relocating to Malta involves specific local financial nuances. Model your monthly living costs across regions, understand realistic supermarket and rent benchmarks, and avoid the notorious ARMS Domestic Tariff penalty.
Household & Relocation Choices
Regional Insight
Harbour Area (Sliema/St Julian’s/Gżira): Walkable, vibrant, cosmopolitan, with the highest rental rates on the island.
ESTIMATED MONTHLY LIVING EXPENSES
€1,575/mo
Recommended Net Salary: ~€25,515 / year (with a 35% savings cushion)
€950
€65
€360
€50
€150
The ARMS Tariff Trap: Don't Pay Double
In Malta, utility billing agency ARMS charges two separate rates: Residential (for declared primary residents) and Domestic (for secondary/unregistered homes).
Registered Residential:€65/mo
Unregistered Domestic:€105/mo