Singapore vs Malta — Full Cost of Living Comparison (2026)
Updated March 2026
Singapore has a cost of living index of 78.0 with average 1BR rent around $2,900/mo, while Malta sits at 63.0 with rent near $1,050/mo. Below is the full side-by-side breakdown for digital nomads, expats and remote workers weighing a move.
| Metric | Singapore | Malta | Winner |
|---|---|---|---|
| Mortgage Interest Rate | 4.00% | 3.60% | Malta |
| Savings Account Interest Rate | 0.12% | 0.20% | Malta |
| Credit Card Interest Rate (APR) | 26.9% | 14.0% | Malta |
| Average Rent (1BR City Centre) | US$2,900/mo | US$1,050/mo | Malta |
| Real Estate Price (per m²) | US$17,200/m² | US$4,100/m² | Malta |
Summary
Singapore has a higher mortgage rate than Malta at 4.00% vs 3.60%. Rental costs in Singapore average $2,900/month compared to $1,050 in Malta, while the cost of living index sits at 78.0 versus 63.0. Overall, Malta looks more favourable across the headline numbers.
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How we calculate this
Cost of living, rent, mortgage, savings and tax figures combine official sources (World Bank, central banks, national statistics offices) with crowdsourced price data, refreshed regularly. Full breakdown: read our methodology.
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