How Much Does It Cost to Live in Malta? – Monthly Expenses Explained

Malta is a small but beautiful country in Europe. Many people dream of living here, but the real question is: how much does it cost to live in Malta? In this blog, I will break down monthly living expenses in Malta in detail.

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1. Housing / Rent

Housing is usually the biggest monthly expense in Malta.

• Studio / 1 Bedroom Apartment (City Center): €700 – €1,200 / NPR 100,000 – 170,000
• Studio / 1 Bedroom Apartment (Outside City Center): €500 – €900 / NPR 70,000 – 130,000
• Shared Apartment (Room Rent): €300 – €600 / NPR 40,000 – 85,000

Tips:

• Areas like Sliema, St Julian’s, and Valletta are more expensive.
• Gozo and rural areas are cheaper.
• Always sign a lease agreement; it’s an official document.

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2. Utilities / Electricity, Water, Internet

• Electricity, Water, Gas: €50 – €100 / NPR 7,000 – 14,000
• Internet (50 Mbps): €25 – €40 / NPR 3,500 – 5,500
• Mobile SIM & Data: €10 – €25 / NPR 1,500 – 3,500

Note: Electricity bills increase during hot summers and cold winters due to AC and heaters.

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3. Food / Groceries & Eating Out

Food costs in Malta depend on your lifestyle.

• Groceries (Self-Cooking): €150 – €250 / NPR 21,000 – 36,000
• Eating Out (Budget Restaurant): €12 – €20 / NPR 1,700 – 3,000 per meal
• Mid-range Restaurant (3-course meal): €30 – €50 / NPR 4,500 – 7,000

Tips:

• Local supermarkets: Smart, Lidl, Pavi Supermarket
• Cheap street food: Pastizzi, Ftira

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4. Transport / Travel

• Monthly Public Transport Pass: €26 / NPR 3,700
• Single Bus Ticket: €2 / NPR 280
• Taxi / Ride Share (Short Ride): €10 – €20 / NPR 1,500 – 3,000
• Car (Fuel + Maintenance + Insurance): €150 – €250 / NPR 21,000 – 36,000

Tips:

• Malta is a small country; buses cover most areas.
• Owning a car is optional but convenient for work or weekend trips.

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5. Entertainment & Lifestyle

• Gym Membership: €30 – €50 / NPR 4,500 – 7,000
• Movie Ticket: €8 – €12 / NPR 1,100 – 1,700
• Coffee / Small Hangout: €3 – €6 / NPR 450 – 900

Tips:

• Weekend trips to Gozo, Comino Island, Blue Lagoon can cost €20 – €50 / NPR 3,000 – 7,000

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6. Miscellaneous / Other Expenses

• Clothing, Personal Care, Toiletries: €50 – €100 / NPR 7,000 – 14,000
• Medical / Health Insurance: €20 – €50 / NPR 3,000 – 7,000
• Emergency / Unexpected Expenses: €50 – €100 / NPR 7,000 – 14,000

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7. Total Monthly Expenses

Type	Low Budget (€)	High Budget (€)
Rent	300	1,200
Utilities & Internet	75	140
Food	150	250
Transport	26	250
Entertainment & Lifestyle	50	100
Miscellaneous	50	100
Total	651	2,040

Converted to NPR: ~90,000 – 300,000 NPR per month

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Tips to Save Money in Malta

1. Shared Accommodation: Sharing a room or apartment saves a lot of money.

2. Cook at Home: Self-cooking is cheaper than eating out.

3. Use Public Transport: Monthly pass is cheaper than taking taxis daily.

4. Shop Smart: Lidl, Smart, Pavi are cheaper supermarkets.

5. Avoid City Center Rent: Living outside Sliema/St Julian’s is more budget-friendly.

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Conclusion

Living in Malta is not extremely cheap, but with proper planning, it’s manageable.

• Low budget lifestyle: ~€650 / NPR 90,000 per month
• Comfortable lifestyle: ~€2,000 / NPR 3,00,000 per month

If you are working in Malta, you can manage your salary and savings according to your lifestyle.