Hamrun vs Xaghra: Which City Wins for Expats in 2026?
Xaghra costs roughly 14% less than Hamrun. Hamrun leads on digital nomad infrastructure, with faster average internet speeds. Use our tool below to personalize the estimate based on your income and lifestyle.
Xaghra is approximately 50% less expensive than Hamrun based on cost of living including rent. This makes Xaghra a more budget-friendly option for expats considering a move.
Xaghra has a FIRE Score of 81/100, indicating its suitability for financial independence and early retirement. The city's safety index is 77, which is relatively safe.
Recommended profile: Xaghra is ideal for GeoArbitragers and remote workers looking to maximize savings.
About Hamrun
Hamrun is a practical, affordable base for expats who want Malta without Sliema prices, with 1-bedroom city center rent at $841/mo and a single person's monthly costs outside rent around $650/mo. The town is small at 12 thousand people, but English is widely spoken, the expat community is medium, and an overall expat score of 84/100 plus a digital nomad score of 84/100 says the infrastructure works. Safety is solid at a 75/100 index and 25/100 crime index, though air quality at 45 is mediocre and the digital nomad permit demands $3,997/mo in income, which prices out casual remote workers. Pick Hamrun for value and proximity to Pieta, not for polish.
About Malta
Best for digital nomads: Malta offers a Nomad Residence Permit with a clear USD 3,997/mo income requirement, making it accessible for remote workers. Safety is high (US Travel Advisory Level 1) and English proficiency is high, easing daily life. However, the progressive income tax (0% to 35%) can be a hidden cost for higher earners, and the Nomad Residence Permit can lead to permanent residency.
$1,663/mo
Cost of Living (Without Rent)
Rent Per Month
Attractiveness
City Details
About Xaghra
Xaghra is a tiny, quiet village, not a city, and its rents are remarkably flat, with a one-bedroom costing $561/mo both in and outside the center, which is a rarity. The overall expat score of 81/100 and a FIRE score of 81/100 suggest strong value, but the digital nomad visa's $3,997/mo minimum income requirement is a high bar for a place where a comfortable single lifestyle runs $1,299/mo. Safety is solid at 77/100, and English is widely spoken, but the population of 5,000 means you are signing up for a very small pond. It is a fine pick for a frugal retiree or a remote worker who already clears the income threshold, not for anyone seeking urban energy.
About Malta
Best for digital nomads: Malta offers a Nomad Residence Permit with a clear USD 3,997/mo income requirement, making it accessible for remote workers. Safety is high (US Travel Advisory Level 1) and English proficiency is high, easing daily life. However, the progressive income tax (0% to 35%) can be a hidden cost for higher earners, and the Nomad Residence Permit can lead to permanent residency.
$1,861/mo
Cost of Living (Without Rent)
Rent Per Month
Attractiveness
City Details
Which visa fits your move?
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| Metric | Hamrun | Xaghra |
|---|---|---|
| 1BR Apartment (Center) | $841.07 | $560.71 |
| 1BR Apartment (Outside) | $756.96 | $560.71 |
| 3BR Apartment (Center) | $1569.99 | $785 |
| 3BR Apartment (Outside) | $1345.71 | $1009.28 |
| Safety Index | 75 | 77 |
| Internet Speed | 200Mbps | 95Mbps |
| Walkability Score | N/A | N/A |
Monthly cost by categoryOne person, computed from each city's own average prices
| Category | Hamrun | Xaghra |
|---|---|---|
| Total (rent included) | $1,355/mo | $1,157/mo |
| Excluding rent | $598/mo | $596/mo |
| Rent | $757/mo | $561/mo |
| Groceries | $211/mo | $218/mo |
| Dining out | $126/mo | $101/mo |
| Entertainment & lifestyle | $105/mo | $61.00/mo |
| Utilities & connectivity | $156/mo | $216/mo |
| Transport | $0.00/mo | $0.00/mo |
Usage-based estimates from this city's own average prices. A row marked N/A means that city is missing data, so no figure is shown instead of a stale one.
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