Property investment, eligibility, and qualifying Maltese listings under the Malta Retirement Programme (MRP)
Data as of 31 October 2026
●Currently accepting applications
About the Malta Retirement Programme (MRP)
The Malta Retirement Programme is a tax-residency scheme for EU, EEA, and Swiss nationals whose primary income is a pension. Beneficiaries pay a flat 15% tax on the pension remitted to Malta, with a minimum annual tax of EUR 7,500. The programme requires holding qualifying property and spending at least 90 days a year in Malta, averaged over any five years.
Eligibility
Open to EU, EEA, and Swiss nationals receiving a pension which constitutes at least 75% of their chargeable income.
Programme rules and thresholds change from time to time. Always verify the current published criteria with Identity Malta or Residency Malta before making an investment decision.
Property thresholds
Property investment unlocks the Malta Retirement Programme (MRP). Either a one-time qualifying purchase or a multi-year qualifying rental works; many applicants combine the property route with the government contribution requirement.
Purchase
Annual rental
Malta (mainland)
€275,000
€9,600 / yr
Gozo or South Malta (reduced threshold)
€220,000
€8,750 / yr
Headline figures
Flat tax rate
15%
Qualifying active listings
52,479
Cheapest qualifying property
€220,000
Find your residency route
Five questions. You see the routes that match your answers first, each with its official rules and the homes that qualify; nothing is shared with anyone unless you later ask for an introduction.
Qualifying properties
Live Darscover listings that meet each route's property requirement today, counted the way our property search counts them. Each count opens that search.
Every figure here is read from the official source shown beside it, on the date shown. Where an official source does not settle a point, the route is left out for the people it concerns and this page says why.
Rules checked on 3 October 2026 (version 2026-10-03.1).
Malta Retirement Programme
A special tax status for people whose income is mainly a pension received in Malta, living in a qualifying home in Malta.
Open to
Citizens of the EU, the EEA or Switzerland
Property
Buy a home for at least €275,000, or at least €220,000 in Gozo or the south of Malta.
Rent a home for at least €9,600 a year (€800 a month), or at least €8,750 a year (€729.17 a month) in Gozo or the south of Malta.
It must be your main home, and you may not let it out.
Also required
A pension, all of it received in Malta, making up at least 75% of your taxable income.
You are not in an employment relationship.
Tax at 15% on foreign income received in Malta, at least €7,500 a year plus €500 for each dependant.
An administrative fee of €2,500.
At least 90 days a year in Malta, averaged over 5 years.
No more than 183 days a year in any other country.
The application must go through an authorised registered mandatary (for example a warranted accountant registered with the tax authority).
The south of Malta, as the Rules define it: Birżebbuġia, Cospicua, Fgura, Għaxaq, Gudja, Kalkara, Kirkop, Luqa, Marsascala, Marsaxlokk, Mqabba, Paola, Qrendi, Safi, Santa Luċija, Senglea, Siġġiewi, Tarxien, Vittoriosa, Xgħajra, Żabbar, Żejtun, Żurrieq.
Left out where the official sources do not settle it
Malta Retirement Programme: not shown to citizens of countries outside the EU, the EEA and Switzerland. Its Rules make anyone who is not Maltese eligible (rule 4(c)) but end the status if the holder becomes a third-country national (rule 6(1)(b)), and the tax authority's own guidance could not be read to settle it. A registered mandatary can tell you.
Frequently asked questions
How many active Maltese properties qualify for the Malta Retirement Programme (MRP) today?
Darscover currently tracks 7,862 active sale listings and 44,617 active rentals at or above the Malta Retirement Programme (MRP) threshold. The catalog is updated continuously as agents add and update listings.
What is the cheapest property that qualifies for the Malta Retirement Programme (MRP)?
The lowest-priced active listing that meets the Malta Retirement Programme (MRP) threshold is currently €220,000. Browse the qualifying-properties section above for the full list.
Who is eligible for the Malta Retirement Programme (MRP)?
Open to EU, EEA, and Swiss nationals receiving a pension which constitutes at least 75% of their chargeable income.
What tax rate applies under the Malta Retirement Programme (MRP)?
Beneficiaries pay a flat 15% on remitted foreign-source income. Income kept abroad and not remitted to Malta is generally not subject to Maltese tax under the remittance basis.
Where is the official Maltese government source for the Malta Retirement Programme (MRP)?
The official source is https://cfr.gov.mt/en/individuals/Pages/Malta-Retirement-Programme.aspx. Always verify the current published criteria there before making an investment decision; programme rules change.
Compare with other Maltese residency programmes
Different programmes apply to EU and non-EU citizens, and pair different tax regimes with the residency. Compare side-by-side.
