Monthly Budget for Malta: Single, Couple, Family
Household-specific monthly budgets for Malta in 2026. Each profile includes rent, groceries, transport, utilities, and modest discretionary spending — no surprises.
How to use these budgets
Budget 1: Single person, shared flat
The most common budget profile for new arrivals in Malta. Sharing a two- or three-bedroom flat with flatmates is the standard way to make rent affordable, especially in the first year.
| Category | Low estimate | Mid estimate |
|---|---|---|
| Shared room rent (Msida / Gzira) | €380 | €520 |
| Groceries (one person) | €170 | €240 |
| Transport (Tallinja card + occasional taxi) | €50 | €90 |
| Utilities share (electric, water, internet) | €60 | €90 |
| Eating out (occasional) | €80 | €150 |
| Personal care, cleaning, sundries | €40 | €70 |
| Mobile phone plan | €15 | €25 |
| Total (approx.) | €795 | €1,185 |
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Budget 2: Single person, solo apartment
Renting alone in a central area is significantly more expensive. This budget assumes a one-bedroom apartment in Sliema or St Julians.
| Category | Low estimate | Mid estimate |
|---|---|---|
| 1-bed apartment rent (Sliema / St Julians) | €1,100 | €1,400 |
| Groceries | €170 | €240 |
| Transport | €50 | €90 |
| Utilities (electricity, water, internet) | €90 | €160 |
| Eating out (occasional) | €100 | €200 |
| Personal care, sundries | €60 | €100 |
| Mobile phone plan | €15 | €25 |
| Total (approx.) | €1,585 | €2,215 |
Budget 3: Couple, shared one-bedroom apartment
Two incomes significantly change the picture. This budget covers a couple in a one-bedroom apartment in Sliema. It does not include savings, loan repayments, or large purchases.
| Category | Low estimate | Mid estimate |
|---|---|---|
| 1-bed apartment rent (Sliema) | €1,100 | €1,400 |
| Groceries (two people) | €280 | €380 |
| Transport (two Tallinja cards + taxis) | €90 | €150 |
| Utilities (electric, water, internet) | €90 | €160 |
| Eating out (occasional, both) | €150 | €280 |
| Personal care, sundries (both) | €80 | €140 |
| Mobile phone plans (two) | €30 | €50 |
| Total (approx.) | €1,820 | €2,560 |
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Budget 4: Digital nomad, flexible arrangement
Digital nomads on the Nomad Residence Permit often start in a shared flat or serviced apartment before committing to a long-term lease. This budget assumes a shared flat and coworking space part-time.
| Category | Low estimate | Mid estimate |
|---|---|---|
| Shared room or furnished studio | €500 | €750 |
| Groceries + meal prep | €180 | €260 |
| Transport (Tallinja + rideshare) | €50 | €90 |
| Coworking (part-time, ~10 days/month) | €80 | €150 |
| Internet / mobile (backup SIM) | €25 | €45 |
| Utilities share or included | €40 | €80 |
| Eating out + cafes (work setting) | €120 | €220 |
| Total (approx.) | €995 | €1,595 |
What these budgets exclude
- Savings, emergency funds, or investments
- Loan repayments or credit card servicing
- Clothing and shoes (beyond occasional purchases)
- Travel within or outside Malta
- Childcare, school fees, or activities
- Health insurance premiums (if not covered by employer or state)
- Car ownership, insurance, and fuel
For family budgets, see the family of 4 guide.
Salary benchmarks
Malta’s national minimum wage is reviewed annually by the government. Verify the current figure on the DIER minimum wage page. Net take-home pay depends on Social Security contributions and income tax, which are calculated on gross salary. For sector-specific pay, see the average salary in Malta guide.
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Maintained by MaltaPathway
This guide is written from public official sources and labelled limitations. MaltaPathway is independent, not a law firm or government agency. Founder proof, source policy, correction policy, and monetization disclosure live on the About and trust page.
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MaltaPathway is not a law firm, immigration consultancy, or government agency. The information on this page is based on publicly available official sources and is provided for informational purposes only. Immigration rules change — always verify with the relevant authority before making decisions. If your case is complex, consult a licensed immigration lawyer.