When you mention Italy, people immediately think about rolling hills, plentiful vineyards, and the summer sun kissing the white sands of beautiful beaches. The entire country is in the Mediterranean, making it one of the best European countries for a holiday.
However, there is also a thriving expat community of people who choose to live out their golden years in one of the many Italian regions with stunning natural beauty.
Whether you prefer the bustle of city life or the slow pace of the surrounding countryside, there are many contenders for the title of “best place to retire in Italy.” And leaving your home country to settle in a nation with a rich history, delicious food, and one of the lowest living costs is easier than you think.
In this guide, we’ll explore some of the best Italian cities to retire for expats. Whether that’s seeking a change of environment accentuated by world-famous gastronomy, gorgeous landscapes, or historical architecture.
Why retire in Italy?
Using data from our Global Intelligence Unit’s latest report on US retirement trends, Italy is a popular retirement destination for various reasons. Similar to the US, Italy has diverse climates depending on the region. Northern Italy experiences cold, snowy winters with temperatures often below freezing and mild to warm summers ranging from 20-30°C.
Central Italy has milder winters, with temperatures between 5-15°C, and hot summers exceeding 30°C. In southern Italy, the winters are mild, around 10-15°C, and the summers are hot, often above 30°C, making it an ideal location for seaside activities.
Italy’s healthcare system, the Servizio Sanitario Nazionale (SSN), provides comprehensive care funded by income tax and government support. While public healthcare is extensive, many individuals choose to obtain additional private insurance for faster access to healthcare and wider coverage.
Non-EU expats need legal residency to access SSN and initially require private insurance, with annual premiums ranging from $120 to over $350.
According to the Global Peace Index, Italy is ranked 31st, indicating a high level of safety. The US State Department advises Level 2 travel, suggesting increased caution due to concerns about terrorism and petty crimes in tourist areas.
Italy is ranked 43rd out of 138 countries in the Gallup Migrant Acceptance Index, indicating a moderate acceptance level towards migrants. Expats often find a welcoming environment, particularly in cosmopolitan regions, though experiences can vary based on location and societal integration efforts.
The cost of living in Rome and Milan is significantly lower than in New York City. Consumer prices in Rome are 43.5% lower without rent and 57.3% lower with rent included. In Milan, rent and dining out costs are considerably cheaper. For instance, the average monthly rent for a city apartment is approximately $1,140.44 in Rome and around $1,529.76 in Milan, both much lower than New York’s average of $4,189.81.
Best Places in Italy to Retire
Whether you want to retire in one of the major cities in northern Italy or a picturesque town close to Lake Como, there is sure to be a location that will appeal to you.
However, for first-time foreign retirees, it’s usually a good idea to seek out locations with large expat communities. Immigration is daunting, and it’s always a great feeling when you have some friends and contacts to help you along the way.
One thing to keep in mind, though. There are 20 Italian regions, and the average monthly living cost can vary greatly. A one-bedroom apartment in one region can easily be triple that in another. Often, apartments in the city center command the highest rental prices.
Sicily
Sicily is what most people think of when you mention the words “Italy,” “countryside,” and “natural beauty.” Located just off the “toe” of the Italian “boot,” its Mediterranean climate provides mild winters and warm summers, ideal for a relaxed lifestyle.
Cost of living
The cost of living in Sicily tends to be lower than in many other European regions. This makes it an attractive option for retirees seeking affordability without sacrificing quality of life.
The healthcare system is well-regarded, ensuring access to quality medical care. Furthermore, Sicily’s strong sense of community and hospitality fosters a welcoming atmosphere for newcomers.
Palermo is a mid-sized city and also the regional capital and is over 2,700 years old. It has a more affordable cost of living than other popular regions such as Lazio. Here, a one-bedroom apartment should cost around €557, according to Numbeo.
Things to do
For those who value a slower pace of life, Sicily offers a peaceful and tranquil environment. Its well-connected transportation system allows easy access to major cities and other parts of Europe. Overall, Sicily combines natural beauty, cultural richness, affordability, and a sense of community, making it an enticing choice for retirement.
The island region boasts stunning landscapes, from pristine beaches to lush countryside, providing ample opportunities for outdoor activities. Sicily’s rich history and culture, evident in its ancient ruins, Baroque architecture, and diverse cuisine, offer endless exploration.
Apulia
Also known as Puglia, this southern Italy region is another excellent retirement destination. Its stunning coastline along the Ionian and Adriatic Sea offers retirees access to some of the most beautiful beaches in Italy.
Cost of living
Apulia offers a relatively affordable cost of living for expats. Housing is generally cheaper compared to northern Italy and major cities. A one-bedroom apartment in the city center can cost around €400-€600 per month, while outside the center it may drop to €300-€450.
Utilities, including electricity, heating, cooling, water, and garbage, average about €100 per month for a standard apartment. Groceries and dining out are also reasonably priced; a meal at an inexpensive restaurant typically costs about €15, and local markets offer fresh produce at lower prices.
Public transportation is affordable, with monthly passes costing around €35. Overall, Apulia is a cost-effective region that is ideal for those seeking a more economical lifestyle in Italy.
Things to do
The region is dotted with smaller towns, and the countryside is rich in history and offers a relaxed, laid-back lifestyle.
It’s certainly beneficial if you can speak Italian. But over the years, the region has attracted many people who can’t speak the language. This makes it somewhat easier to integrate with the local community.
However, getting around can be a challenge for retirees. The public transportation isn’t as well-developed in the region as elsewhere in Italy. But with that said, the local Apulian people stand for their hospitality and their willingness to be of assistance.
Lombardy
If you want quick and easy access to the famous Lake Como, Lombardy is one of the best places to retire.
Located in the northern region of Italy, presents a different retirement experience compared to southern regions like Sicily or Apulia. However, the advantages of retiring in Lombardy include its robust healthcare system, which is among the best in Italy. The region is home to world-class medical facilities and specialists. Additionally, Lombardy boasts a strong economy.
Cost of living
Living in Lombardy, particularly in Milan, is generally more expensive than in Apulia. A one-bedroom apartment in Milan’s city center can range from €1,000 to €1,500 per month, while outside the city center, prices drop to about €700-€1,000.
Utilities for a standard apartment, including electricity, heating, cooling, water, and garbage, average around €150 per month. Groceries and dining out are more costly compared to southern regions; a meal at an inexpensive restaurant typically costs about €20. Public transportation is efficient but slightly more expensive, with monthly passes costing around €39.
Despite the higher cost of living, Lombardy offers a high standard of living, excellent services, and numerous cultural and professional opportunities.
Things to do
Culturally, Lombardy offers a wealth of museums, theaters, and historical sites, particularly in cities like Milan, the second most populous Italian city. Known for its fashion, luxury shops and design scene, it is also the capital city of the Lombardy region
Unlike Apulia, Lombardy has excellent transportation infrastructure, making it easy to explore other parts of Italy and the European Union. But there are some drawbacks. The cost of living in Lombardy, especially in cities like Milan, can be higher than in other regions of Italy.
The climate tends to be more temperate than in southern Italy. However, this may not suit those seeking a consistently warm Mediterranean climate.
Ultimately, Lombardy can be a great retirement choice for those who value access to world-class healthcare, a dynamic urban lifestyle, and a strong economy. It has a large expat community, somewhat easing the burden of learning the Italian language.
Take a look at our Italy Golden Visa Ultimate Guide by Experts
Lazio
The undisputed highlight of Lazio is Italy’s capital city Rome, also known as the Eternal City. It’s a favorite among British expats, as it seamlessly blends a vibrant nightlife, a rich cultural experience and the opportunity to escape to the countryside quickly when the city center becomes too busy.
Cost of living
However, all of the cultural richness and gastronomy can make it challenging to find an affordable place to live. For example, the cost of living for a family of four in Rome is about €3,110 without rent.
As with almost any large city, the price per square meter increases exponentially if you want to live in the city center. You can expect to pay around €7,296 per square meter in the city versus €3,394 in the suburbs.
It might be one of the best places to retire in Italy, but it’s also one of the most expensive.
Things to do
Lazio is located in central Italy, and this is definitely the region you want to live in if you dream of drinking wine all day. It has an enormous viniculture industry, and 90 percent of the wine produced in the region is white. One could easily spend their entire life in Lazio and not even scratch the barrel on tasting all the different blends.
But the incredible food is arguably the region’s biggest drawcard. Pasta is undoubtedly the staple, and dishes such as Penne all arrabbiata, Spaghetti alla carbonara and Bucatini all amatriciana were all first attested here.
Abruzzo
The Abruzzo region is as charming as it is friendly. This is partly because it’s not as popular with many tourists, who prefer to go sightseeing in Rome or Milan. That’s not a negative for the region, as this is perfect for retirees looking for peace and quiet.
Cost of living
Abruzzo offers a more affordable cost of living compared to northern Italy, making it an attractive option for expats. A one-bedroom apartment in the city center typically costs around €350-€500 per month, while outside the center, prices drop to €250-€400.
Utilities, including electricity, heating, cooling, water, and garbage, average about €100 per month for a standard apartment. Groceries and dining out are reasonably priced, with a meal at an inexpensive restaurant costing about €15.
Public transportation is quite affordable, with monthly passes costing around €30. Overall, Abruzzo provides a cost-effective and pleasant lifestyle, with beautiful natural scenery and a slower pace of life compared to more urbanized regions.
Things to do
There is a much smaller expat community, but there are plenty of things to see and do. It’s the perfect location if you want the Apennine Mountains on one side and the Adriatic Sea on the other. Lake Como isn’t too far away and makes for an exciting road trip.
Tuscany
If you want a truly authentic Italian experience with easy access to a gorgeous town center and delicious local cuisine, then Tuscany should definitely be on your “best places to retire ” list. Home to the famous Leaning Tower of Pisa and the stunningly beautiful city of Florence, it is a sought-after Italian region for retirees.
Cost of living
Tuscany, particularly in cities like Florence, has a higher cost of living compared to more rural regions of Italy. A one-bedroom apartment in Florence’s city center can range from €800 to €1,200 per month, while outside the center, prices are about €600-€900.
Utilities, including electricity, heating, cooling, water, and garbage, average around €120-€150 per month for a standard apartment. Groceries and dining out can be more expensive than in less touristy regions, with a meal at an inexpensive restaurant typically costing about €18-€20.
Public transportation is relatively affordable, with monthly passes costing around €35. Despite the higher costs, Tuscany offers a rich cultural experience, beautiful landscapes, and high-quality local products, making it a desirable place for many expats.
Things to do
Tuscany is renowned for its rich cultural heritage, stunning landscapes, and culinary delights, making it a must-visit region in Italy. In Florence, the capital of Tuscany, visitors should not miss the iconic Florence Cathedral, also known as the Duomo, with its magnificent dome designed by Brunelleschi. The Uffizi Gallery houses an unparalleled collection of Renaissance art, including works by Botticelli, Michelangelo, and Leonardo da Vinci. A stroll across the historic Ponte Vecchio, lined with jewelry shops, offers a picturesque view of the Arno River.
For those seeking relaxation, the thermal baths in Saturnia provide a rejuvenating experience amid natural hot springs. The coastal areas of Tuscany, such as the picturesque villages of the Cinque Terre and the beaches of the Etruscan Coast, offer stunning sea views and opportunities for outdoor activities like hiking and swimming.
Tuscany is renowned for its simple yet flavorful cuisine. Dishes like ribollita (a hearty soup), pappa al pomodoro (tomato and bread soup), and bistecca alla Fiorentina (Florentine steak) are local specialties, and you can find them in almost every inexpensive restaurant. This is living, and definitely one of the best retirement places in Italy.
Umbria
Often called the “Green Heart of Italy,” Umbria is a landlocked region with rolling hills, historic towns, and a slower pace of life. Towns like Perugia, Assisi, and Spoleto offer a mix of cultural attractions and beautiful scenery, ideal for a peaceful retirement.
Cost of living
Umbria offers an affordable cost of living for expats, making it an attractive option for those seeking a peaceful lifestyle in Italy. Renting a one-bedroom apartment in the city center typically costs around €400-€600 per month, while outside the center, prices drop to €300-€450.
Utilities average about €100 per month. Groceries and dining out are reasonably priced, with a meal at an inexpensive restaurant costing about €15. Public transportation is affordable, with monthly passes around €30. Overall, Umbria provides a cost-effective and charming environment, ideal for retirees and those looking for a slower pace of life.
Things to do
Umbria offers a wealth of activities amid its rolling hills, medieval towns, and lush landscapes. Begin in Perugia, the regional capital, known for its historic center, stunning Perugia Cathedral, and the National Gallery of Umbria, which houses impressive art collections.
Assisi, a UNESCO World Heritage site, is renowned for the Basilica of Saint Francis, adorned with frescoes by Giotto, and its serene, spiritual atmosphere.
Explore Orvieto, perched atop a volcanic rock, with its magnificent Gothic cathedral and fascinating underground tunnels. Spoleto, famous for its summer Festival dei Due Mondi, features a striking Romanesque cathedral and the ancient Roman bridge, Ponte delle Torri.
Gubbio, one of Italy’s oldest towns, offers the medieval Palazzo dei Consoli and the breathtaking views from the cable car ride to Mount Ingino.
Sicily
The largest island in the Mediterranean, Sicily boasts a rich history, diverse culture, and stunning landscapes. Cities like Palermo, Catania, and Taormina offer a blend of historic sites, beautiful beaches, and a warm climate, making it an appealing destination for retirees.
Cost of living
Sicily offers a relatively low cost of living for expats, making it an appealing destination. Renting a one-bedroom apartment in the city center generally costs between €300-€500 per month, while outside the center, prices range from €200-€400.
Utilities, including electricity, heating, cooling, water, and garbage, average around €90-€120 per month. Groceries and dining out are affordable, with a meal at an inexpensive restaurant typically costing about €12-€15.
Public transportation is budget-friendly, with monthly passes costing around €30-€40. Sicily combines affordability with rich cultural heritage, stunning landscapes, and a warm climate, making it an ideal place for expats.
Things to do
Sicily, with its rich history and diverse landscapes, offers a multitude of activities for visitors. Start in Palermo, the vibrant capital, where you can explore historic sites like the Palermo Cathedral and the Palatine Chapel, showcasing stunning mosaics. In Agrigento, visit the Valley of the Temples, a UNESCO World Heritage site featuring well-preserved ancient Greek temples.
Mount Etna, Europe’s highest and most active volcano, offers thrilling hikes and breathtaking views. Nearby, the charming town of Taormina boasts the ancient Greek Theatre with panoramic views of the sea and the volcano. For beach lovers, the pristine beaches of San Vito Lo Capo and the Aeolian Islands provide idyllic settings for relaxation and water activities.
How to Retire in Italy
Before starting your retirement journey, it’s always a good idea to visit Italy before you make any decisions, and a visitor’s visa is a fairly straightforward process if you want to check out Italy during a holiday. But if you want to live there permanently, there are several options.
Italian elective residency visa
Italy doesn’t have a retirement visa like Portugal’s D7, but the Italian elective residency visa functions in much the same way. It’s designed for people who don’t need to work in the country and is only for foreign nationals who wish to live and retire in Italy.
To qualify for the elective residency visa, you must meet specific criteria:
- You need a minimum annual income of €31,000, which can be in the form of savings or a pension. The amount needed is €38,000 for married couples, increasing by 20 percent for every dependent.
- You must have either rented a property or purchased property in Italy.
- You must have a valid passport.
- If you are a non-EU citizen, you must also apply for an entry visa.
Other ways to citizenship
Other than through investment or the elective residency visa, there are three other ways individuals can obtain Italian citizenship:
- Citizenship by descent: Individuals with Italian ancestors have the right to Jure sanguinis (right of blood)
- Citizenship by marriage: Individuals with an Italian spouse who have lived in Italy for two years (three years if they live abroad).
Italian Golden Visa
Launched in 2017 by the Italian government to encourage foreign direct investment, the Italy Golden Visa, also called the ‘Investor Visa for Italy,’ allows third-country nationals (non-EU/EEA and non-Swiss) to obtain a residence permit in exchange for an investment in the country’s economy.
How Can Global Citizen Solutions Help You?
Global Citizen Solutions is a boutique migration consultancy firm with years of experience delivering bespoke residence and citizenship by investment solutions for international families. With offices worldwide and an experienced, hands-on team, we have helped hundreds of clients worldwide acquire citizenship, residence visas, or homes while diversifying their portfolios with robust investments.
We guide you from start to finish, taking you beyond your citizenship or residency by investment application.
FAQ about the Best Place to Retire in Italy
How much money do you need to retire comfortably in Italy?
While that largely depends on your living standards, most retired couples can comfortably retire and still enjoy the outdoors on about $2,000 per month.
Where do most American retirees live in Italy?
Italy’s larger cities attract many nationalities, but Americans tend to flock to more toward Rome, Milan, and Florence.
What is the cheapest area to live in Italy?
Unsurprisingly, the cheapest areas to live in Italy are slightly off the beaten track. Forget about Rome or Florence for everyday bargains, and instead seek out the lesser-traveled cities such as Catania and Palermo in Sicily. Naples in Campania and Cagliari in Sardinia are also more affordable than tourist-heavy locations. There are also several other European countries to consider for expats if Italy isn’t working out.
