Are you thinking about studying abroad but worried about the cost?
You must have heard that the UK, Canada, and Germany are popular choices for affordable higher education, but have you heard about Malta? This small Mediterranean nation is quickly becoming one of the most cost-effective options among English-speaking countries.
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Malta boasts an impressive performance in the European Skills Index. In 2024, it secured the 10th position out of 31 countries with a total score of 63.3. This demonstrates a strong focus on skills development (ranking 24th with a score of 41), activation (ranking 3rd with a score of 81.7), and skill matching (ranking 4th with a score of 73.2)
When it comes to the cost of living in Malta for single person, it’s quite reasonable. Living expenses, including accommodation, food, and transportation, typically amount to around INR 70K to INR 1L per month (EUR 800 to EUR 1,200).
For a student, this number might not be enough. Since you’ll be living in this place for a long time till you finish your studies, what you need is a detailed breakdown of the cost of living in Malta – from accommodation to rent, transportation and entertainment.
Here’s a comprehensive overview of the cost of living in Malta, focusing on essential aspects. You will explore all this in greater detail in this blog post.
| Aspect | Details |
| Cost of Living in Malta for Single Person | INR 70K – INR 1L (EUR 780 – EUR 1,670) |
| Cost of Living in Malta that Goes Towards Accommodation | INR 45K – INR 90K (EUR 500 – EUR 1K) |
| Monthly Expenditure on Utilities | INR 7.2K – INR 13.5K (EUR 80 – EUR 150) |
| Monthly Expenditure on Groceries | INR 18K – INR 27K (EUR 200 – EUR 300) |
| Education | INR 8L – INR 10L (EUR 9K – EUR 15K) per year for non-EU students |
| Scholarships to Reduce the Cost of Living in Malta for Indian Students | Malta Government Scholarships University of Malta Scholarships |
Why Choose Malta?
Besides the fact that Malta offers significant cost-of-living advantages. It’s estimated that Malta is 10% cheaper than the USA. Consumer prices are 12% cheaper than in the UK, with rents nearly a quarter lower on average.
Have a look and figure out for yourself why this country has been gaining popularity among students, professionals, and retirees alike.
- World-Class Education: Malta’s education system is tailored to international students, offering a diverse range of programs taught entirely in English. The country’s commitment to academic excellence, coupled with its multicultural environment, provides a rich learning experience.
- Gateway to Europe: As an EU member, Malta grants access to the Schengen zone, allowing visa-free travel across most of Europe. Imagine weekend trips to Rome, Parisian strolls, or exploring Barcelona’s vibrant culture – all within easy reach.
- Part-Time Work Opportunities: As an international student in Malta, you’re allowed to work part-time (up to 20 hours a week). This not only helps ease financial burdens but also allows you to build your resume, develop practical skills, and get a taste of the Maltese work culture.
And if you thought that your salary while studying would be low since the cost of living in Malta is comparatively cheap, then you couldn’t have been more wrong. You can easily make INR 1K (EUR 11) to INR 3K (EUR 30) per hour in Malta working as a part-time English Language Teacher (ELT)
- EU Connections for Exchanges and Internships: Malta’s position within the European Union unlocks exciting doors for students. Being part of the EU opens up possibilities for student exchange programs and internships across other member countries. Imagine interning at a prestigious firm in France or participating in an academic exchange in Germany – all within reach, thanks to Malta’s EU connections!
- Thriving Job Market: Malta’s economy is booming, with the number of employed people projected to increase by 3.23% between 2024 and 2025. This growth is particularly driven by key industries like finance, gaming, and IT.
Cost of Living in Malta that Goes Towards Housing
Understanding the cost of living in Malta is crucial for anyone planning to relocate, especially single individuals. Housing expenses form a significant part of your budget. But the cost drastically varies based on which city you’re based in.
Here’s a table to walk you through what the cost of living in Malta looks like across 5 major cities
| City | Rent Per Month (1-bedroom apartment in the city centre) |
| Valletta | INR 82k – INR 1.02L (EUR 925 – EUR 1,150) |
| Sliema | INR 71k – INR 87k (EUR 809 – EUR 989) |
| St. Julian’s | INR 72k – INR 89k (EUR 820 – EUR 1,003) |
| Msida | INR 60k – INR 73k (EUR 689 – EUR 842) |
| Gzira | INR 63k – INR 76k (EUR 726 – EUR 888) |
Too steep for you? Don’t want to shell out more than half a lakh while studying in Malta just on your stay? Well, there are options – how about opting for student housing foundations and sharing apartments? Many Indian students prefer the shared mode since it can drastically reduce the cost of living in Malta for a single person.
Don’t believe us? Let’s give you some numbers.
- Student Housing Foundations: Offer lower rates, typically between INR 27k and INR 45k monthly (EUR 300 – EUR 500).
- Shared Apartments: Cost ranges from INR 31k to INR 63k per month (EUR 350 – EUR 700), depending on the location and amenities.
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Cost of Living in Malta SANS Accommodation
Imagine studying on an island where ancient history meets modern innovation, and the Mediterranean Sea is your backdrop. Malta offers Indian students not just a top-notch education but also a lifestyle filled with cultural richness and sunny days.
Picture yourself exploring UNESCO World Heritage sites like the Hypogeum of Ħal-Saflieni, the Megalithic Temples, and the city of Valletta in your free time or soaking up the sun on a beautiful beach after a day of classes.
However, to make the most of this vibrant experience, understanding the cost of living sans accommodation charges is key. From daily groceries to transportation and tuition fees, knowing the details will help you manage the cost of living in Malta a lot better.
Average Prices for Basic Grocery Items
Grocery shopping is a fundamental part of living in Malta. Here are the average prices for essential items.
| Item | Average Price |
| Milk (1 litre) | INR 90 (EUR 1) |
| Eggs (12) | INR 260 (EUR 2.92) |
| Bread (500g) | INR 180 (EUR 2) |
| Rice (1 kg) | INR 240 (EUR 2.70) |
| Chicken (1 kg) | INR 650 (EUR 8) |
| Apples (1 kg) | INR 235 (EUR 2.65) |
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Monthly Costs for Energy, Water, Internet, and Mobile Plans
Managing monthly utilities is an integral part of living abroad.
Below are the average costs for energy, water, internet, and mobile plans in Malta.
| Utility | Average Monthly Cost |
| Energy | INR 8K (EUR 91) |
| Water | INR 3K (EUR 30) |
| Internet | INR 2.5K (EUR 30) |
| Mobile Plan | INR 2K (EUR 24) |
Costs of Bus Passes, Petrol Prices, and Electric Car Charging
Transportation costs are another crucial factor to consider. Here are the average expenses for various modes of transport in Malta.
| Expense | Average Cost (INR) |
| Monthly Bus Pass | INR 3K – 4K (EUR 35 – 45) |
| Petrol (1 litre) | INR 140 (EUR 1.70) |
| Electric Car Charging | INR 15 (EUR 0.18) per kWh |
Top 5 Universities in Malta with their Tuition Fees
Malta, a charming island nation, not only offers a rich cultural experience but also boasts several top-notch universities. In 2024, Malta’s leading educational institutions continue to attract a diverse student body, with over 11,500 enrolled students, including more than 600 international students from 71 countries.
The University of Malta, for instance, hosts a vibrant community with programs structured on modular or credit systems, accommodating both full-time and part-time students. For those planning their academic journey abroad, understanding tuition fees is crucial.
Here’s a breakdown of some of Malta’s top universities and their tuition fees for international students.
| University | Programs Offered | Tuition Fees for Non-EU Students (per year) |
| University of Malta | Business AdministrationITEngineering | INR 4L – INR 9L (EUR 5.2K – EUR 11K) |
| Malta College of Arts, Science and Technology (MCAST) | Vocational StudiesEngineeringApplied Sciences | INR 4L – INR 6L (EUR 4K – EUR 6K) |
| American University of Malta | Liberal ArtsBusinessIT | INR 5L – INR 7L (EUR 5K – EUR 7K) |
| Global College Malta | BusinessFinanceStrategic Management | INR 4L – INR 7L (EUR 4K – EUR 7K) |
| St. Martin’s Institute of Higher Education | ComputingCommerce | INR 6L (EUR 6K) |
General Eligibility for Indian students to study at Malta Universities
Studying at universities in Malta provides Indian students with an excellent opportunity to gain a high-quality education in a vibrant and historic setting. To ensure a smooth application process, it’s important to understand the general eligibility requirements.
Here’s a breakdown of the general eligibility requirements to get you started.
Educational Qualifications: Completion of higher secondary education (12th grade) with good grades for UG Programs and a relevant bachelor’s degree from a recognised university for PG courses.
English Language Proficiency: As most programs are conducted in English, you’ll need to demonstrate your English language skills by taking standardised tests like IELTS or TOEFL and achieving the required score set by the university.
Course-Specific Requirements: Meeting any additional requirements specific to the chosen course or program
Financial Resources: To obtain a student visa, you’ll need to show proof that you have sufficient funds to cover your tuition fees and living expenses in Malta.
Additional Considerations:
- Visa Requirements: You’ll need to apply for a student visa to study in Malta for more than 90 days. The specific requirements and application process can be found on the website of the Maltese embassy or consulate in India.
- Application Process: Each university has its own application process and deadlines. Make sure to research the specific requirements and submit your application well in advance.
How to Reduce the Cost of Living in Malta?
The good news: Malta offers a surprisingly affordable lifestyle, especially for solo residents.
With some smart planning, you can transform your island escape into a budget-friendly reality. This guide equips you with the knowledge to conquer the cost of living in Malta, from crafting a rock-solid budget to finding hidden savings on everyday essentials.
Effective Budgeting Strategies for Affordable Living
Living comfortably in Malta on a single income requires a strategic approach to your finances. This section will equip you with essential budgeting techniques to ensure your hard-earned euros stretch further.
- Craft a Budget Blueprint: Track your income and expenses in detail. Use budgeting apps or spreadsheets to categorise your spending and identify areas for potential savings.
- Prioritise Needs Over Wants: Rent, utilities, and groceries come first. Allocate remaining income to savings and fun, but prioritise essentials.
- Embrace Savings Strategies: Set realistic savings goals and reward yourself for reaching them. Putting away even a small amount can create a financial safety net.
Tips for Saving on Accommodation, Groceries, and Transport
Even paradise comes with everyday expenses. Don’t worry; this guide has got you covered!
These clever strategies for slashing costs on your biggest monthly outlays are accommodation, groceries, and transportation. From savvy apartment hunting to grocery shopping hacks, learn how to reduce the cost of living in Malta.
- Accommodations: Consider shared apartments or studios for rent savings. Explore student housing options if applicable.
- Grocery Savvy: Malta offers both high-end supermarkets and budget-friendly options. Plan your meals, shop at discount stores like Lidl or Best Saver, and embrace local produce from farmers’ markets for affordability.
- Transportation Savvy: Public transportation in Malta is reliable and affordable. Explore monthly passes for buses (Tallinja Card) or consider cycling for shorter distances.
3 Scholarships to Reduce the Cost of Studying in Malta
If you ask what the major expense pocket is for students in Malta, we’d say it’s the tuition fees. While a lot of focus goes to the rent, the tuition fee can also be a reason for some stress. But the brighter side of things is that you get to study in a great country that offers scholarships to reduce the cost of living.
Have a look at the key details here.
| Scholarship | Amount (per year) |
| Malta Government Scholarships | INR 2L – INR 5L (EUR 2000 – EUR 5000) |
| University of Malta Scholarships | INR 2L – INR 5L (EUR 2000 – EUR 5000) |
| Erasmus+ Program | 3L (EUR 3000) |
Cost of Living in Malta vs the UK, Australia and Germany
Choosing a place to live and study is a big decision, and the cost of living plays a crucial role. While all these destinations offer unique experiences, understanding the financial landscape can help you make an informed choice.
Here, we’ll compare the cost of living in Malta with that of the UK, Australia, and Germany, focusing on essential expenses:
| Expense Category | Cost Comparison |
| Housing Rent | Malta: INR 88K UK: INR 1L Australia: INR 1.2L Germany: INR 90K |
| Groceries | Malta: INR 20K UK: INR 22K Australia: INR 25K Germany: INR 21K |
| Dining Out | Malta: INR 13K UK: INR 15K Australia: INR 17K Germany: INR 14K |
| Transportation | Malta: INR 5K UK: INR 7K Australia: INR 8K Germany: INR 6K |
| Utilities | Malta: INR 8K UK: INR 9K Australia: INR 10K Germany: INR 8K |
Top 5 High-Paying Jobs That Breakeven Initial Investment
Malta’s economy is experiencing a meteoric rise, fueled by booming industries like IT, gaming, and finance. This growth, however, brings with it a crucial challenge – a significant skills gap. This creates a golden opportunity for ambitious Indian students like you!
By aligning your education and skills with Malta’s in-demand sectors, you can unlock a future filled with professional fulfilment and financial rewards.
Here’s a breakdown of some top high-paying jobs in Malta, along with estimated salary
| Job Title | Salary (INR – EUR) |
| Senior Software Developer | INR 45L (EUR 52000) |
| Data Scientist | INR 85L (EUR 100,300) |
| Marketing Manager | INR 40L (EUR 43,000) |
| Product Manager | INR 52L (EUR 58,000) |
| Surgeon | INR 1.6Cr (EUR 1,78,822) |
Conclusion
Understanding the cost of living in Malta is crucial for making informed decisions about relocation or extended stays. For a single person, monthly expenses can average around INR 80K to INR 1L (EUR 800 – EUR 1,200), depending on lifestyle choices and accommodation preferences. These figures encompass rent, utilities, groceries, dining out, transportation, and entertainment.
By referencing current data and authoritative sources, such as government reports and expat surveys, you can make informed decisions about budgeting and financial planning. Consider factors like housing, utilities, transportation, and groceries, which contribute to the overall cost.
For the most accurate and up-to-date information, continue to monitor reliable sources and utilise tools that offer real-time cost comparisons. Planning ahead ensures you can enjoy Malta’s vibrant culture and lifestyle without financial stress.
Frequently Asked Questions
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Q. How does the cost of housing in Malta compare to that of different cities?
Ans. The cost of housing in Malta varies significantly across cities. For instance, renting a one-bedroom apartment in Valletta or Sliema can range from INR 82K to INR 1L per month (EUR 925 – EUR 1,150), whereas, in Msida or Gzira, prices are slightly lower, ranging from INR 60K to INR 76K (EUR 680 – EUR 890). Urban centres generally have higher rental costs due to their proximity to amenities and business hubs, while suburban and rural areas offer more affordable options for those willing to commute.
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Q. What is the average cost of living in Malta for a single person?
Ans. Living in Malta as a single person typically costs between INR 80K to INR 1L per month (EUR 800 – EUR 1,200). This includes expenses like rent, utilities, groceries, transportation, dining out, and entertainment. Rental prices vary based on location, with urban areas like Valletta and Sliema being more expensive than suburban or rural areas. Utilities such as electricity and internet add to monthly expenses, but Malta’s relatively low cost of living compared to other European countries makes it an attractive option for individuals seeking affordability without compromising on quality of life.
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Q. What are the average costs for groceries in Malta?
Ans. Grocery expenses in Malta for a single person typically range from INR 18K to INR 27K per month (EUR 200 – EUR 300). Prices for essential items like milk, bread, eggs, rice, chicken, and fruits may vary slightly depending on where you shop. Supermarkets like Lidl and Best Saver offer budget-friendly options, while local markets often provide fresh produce at competitive prices. Planning meals and shopping strategically can help individuals manage their grocery costs effectively while enjoying a balanced diet.
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Q. How affordable is public transportation in Malta?
Ans. Public transportation in Malta is both affordable and convenient. A monthly bus pass costs approximately INR 3K to INR 4K (EUR 35 – EUR 45), making it an economical choice for daily commuting. The island’s compact size and well-connected bus network ensure easy access to key locations, including popular tourist spots and educational institutions. Additionally, cycling is becoming increasingly popular among residents for shorter trips, offering a cost-effective and environmentally friendly alternative to traditional transportation methods.
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Q. What are the healthcare costs like for expatriates in Malta?
Ans. Healthcare costs in Malta are relatively affordable compared to many Western European countries. Expatriates can access both public and private healthcare services, with monthly expenses for health insurance and out-of-pocket medical expenses ranging from INR 3.6K to INR 9K (EUR 40 – EUR 100). Malta’s healthcare system is renowned for its high standards of care and accessibility, ensuring residents receive comprehensive medical treatment and support when needed.
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Q. How does Malta’s cost of living compare to other European countries?
Ans. Malta offers a significantly lower cost of living compared to many other European countries, making it an attractive destination for expatriates and international students. The affordability of essentials such as housing, groceries, utilities, and transportation contributes to a more budget-friendly lifestyle. Compared to countries like the UK, Germany, or France, where living expenses can be considerably higher, Malta provides a competitive advantage in terms of quality of life and financial affordability.
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Q. Can international students work part-time in Malta?
Ans. Yes, international students studying in Malta are permitted to work part-time (up to 20 hours per week) during their studies. This provides students with an opportunity to supplement their income, gain valuable work experience, and offset living expenses. Many students choose to work in sectors such as hospitality, retail, or tutoring, contributing to their financial independence while pursuing their academic goals. The ability to work part-time also enhances students’ cultural immersion and integration into the local community.
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Q. What are the visa requirements for living and studying in Malta?
Ans. Non-EU citizens planning to live and study in Malta must apply for a student visa or residence permit. The application process typically involves providing proof of acceptance into a recognised educational institution, sufficient financial means to support oneself during the stay, and comprehensive health insurance coverage for the entire stay. Visa requirements may vary based on the applicant’s nationality and intended duration of stay. It’s advisable to consult with Maltese consular services or immigration authorities for up-to-date information and guidance on visa procedures.
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Q. How does Malta’s climate influence daily living expenses?
Ans. Malta’s Mediterranean climate, characterised by mild winters and hot summers, plays a significant role in daily living expenses. The island’s abundant sunshine and temperate weather contribute to lower heating and energy costs throughout the year. Residents can enjoy outdoor activities, beach outings, and al fresco dining for much of the year, enhancing their overall quality of life without incurring additional seasonal expenses commonly associated with colder climates. This climate advantage makes Malta an appealing destination for individuals seeking a comfortable and enjoyable lifestyle year-round.
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Q. How accessible are banking and financial services for expatriates in Malta?
Ans. Malta boasts a robust banking sector with a wide range of financial services tailored to expatriates and international residents. Major banks offer comprehensive banking solutions, including current and savings accounts, international transfers, investment opportunities, and mortgage options for property purchases. Expatriates can open bank accounts in euros or other major currencies, facilitating seamless financial transactions and management of funds. The banking infrastructure in Malta adheres to international standards of security and transparency, ensuring a reliable and efficient banking experience for residents from around the world.
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Q. How does the cost of living in Malta for retirees compare to other European destinations?
Ans. Malta offers retirees a cost-effective lifestyle with moderate living expenses compared to many Western European countries. Retirees can benefit from affordable healthcare, tax incentives, and a pleasant climate, making Malta a popular retirement destination. The island’s rich history, cultural amenities, and recreational activities provide retirees with opportunities for leisure and social engagement. Whether you’re considering relocating permanently or spending part of the year in Malta, understanding the cost of living and retirement benefits ensures a rewarding and financially sustainable lifestyle in this Mediterranean haven.
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