Top 5 Affordable Localities to Buy Property in Malta

For some people, one of the most important goals in life is to buy and own their own home. This big step in life is not easy on anyone’s pocket and comes with many financial sacrifices along the way. Even more so, locally, the prices of properties have only been increasing over time. This property increase is affected and supported by a number of different factors such as government schemes supporting demand for property, for example, the first-time and second-time buyer schemes, Urban Conservation Areas (UCA) benefits and different refund schemes dedicated to purchasing and restoring property. Along with the factors mentioned, Malta has seen a great property price increase during and after COVID-19. The restrictions caused by COVID-19 saw a substantial decrease in tourists, thus leading to a demand for housing units.  On a positive note, the first half of 2022 saw no changes in the selling prices of properties.

It has become increasingly difficult nowadays to purchase a property on a single salary. Although possible one might have to sacrifice particular wants or dreams, they had when thought of their first property purchase. Malta’s real estate market has been competitive in recent years, and property prices can vary based on the location. The following are our top 5 locations where we deem one can find affordable properties to choose from and purchase.

Generally, areas outside the main urban centres tend to have more affordable options. Here are a few locations in Malta where property prices may be relatively lower:


Located in the central part of Malta, Zebbug, literally meaning Olives although quite small in size offers plenty of property types and prices to choose from. From apartments, penthouses and maisonettes to traditional old townhouses, there is surely a property fit for different budgets. It is considered to be an excellent choice for those who are looking for affordable properties on the outskirts of the hustle and bustle of urban life. The town is well connected with the rest of Malta both via public transport and main road access. The town of Zebbug has most of the amenities one would look for such as schools, grocery stores, restaurants, and pharmacies, with large supermarkets located a few minutes away. Apart from the amenities for those who enjoy greenery and nature trails, Zebbug is famous for its valley Wied Qirda which connects to Hal Qormi, Siggiewi and Mqabba.


The traditional town of Qormi, situated right in the centre of Malta offers a variety of traditional old properties and modern new developments. Although being extremely central of the Island the property prices in Qormi remained fairly stable and reasonable compared to other cities. One can find everything in this town from large supermarkets, shopping malls, fitness centres, schools, and local markets. If you are a bread lover this is the town for you, as it boasts as being the home of the best bread bakers on the island. There is always something to do in Qormi with various events happening all year through. Qormi kept its charm, tradition and sense of community which makes it a town that many locals choose to buy their first property in.



While prices might vary depending on the specific location within Birkirkara, one can still find plenty of affordable housing within the town. Birkirkara is considered to be one of Malta’s largest cities and is also found in the centre of the island. Like Qormi, one can find a wide variety of amenities from healthcare clinics, schools, parks, and different shops. Apart from amenities, the city offers different property types to choose from, from large houses to modern-day apartments.


If one would like to reside on the southern side of Malta and find cheaper housing but still have all amenities at arm’s length, then Fgura is one of the options to go for. Somewhat busier than other southern towns in Malta, Fgura still retains some of the Maltese village life due to the higher number of Maltese locals still residing in the town. Fgura is one of the main connections to all other southern towns in Malta meaning the public transport in this town is frequent. Many of the high street brands have shops on the main street of Fgura, where one will also find a Cinema and various other useful shops and offices.


Located on the northern coast of Malta, Mellieha offers many affordable and cheap properties to choose from. Boasting beautiful beaches and picturesque views this town is perfect for sea lovers and those who love the quieter side of life. With apartments averaging around €200,000 – €400,000, there is surely something fitting for those looking for cheaper properties. Mellieha is sought after by bother locals and tourists due to its peaceful ambiance.


The type of property you choose will also have a price tag to it. Cheap property for sale in Malta is mainly found in apartments and maisonettes. To save on costs it is also important to look out for any grants or schemes made available such as the first-time and second-time buyer’s scheme. First-time buyers are eligible to receive a single subsidy of €10,000, distributed over a ten-year period, equating to €1,000 annually. This financial support is applicable to all property acquisitions initiated from the year 2022 onward, assisting prospective homeowners in managing their mortgage payments. You can also benefit from being exempt from paying stamp duty on the first €200,000 of the property price. Second-time buyers will also have stamp duty exempted on the first €86,000 of the property price of the replacement property.


So, why wait? If you’re in the market for affordable and cheap properties, now is a great time to explore your options. We offer numerous properties for under €200,000 that can be a perfect fit for your budget and lifestyle. Whether you’re a first-time homebuyer, an investor, or someone looking to downsize, these properties offer a cost-effective way to enter the real estate market and find the dream home you’ve been searching for.


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