Spain vs Malta — Full Cost of Living Comparison (2026)
Updated March 2026
Spain has a cost of living index of 64.0 with average 1BR rent around $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 | Spain | Malta | Winner |
|---|---|---|---|
| Mortgage Interest Rate | 3.60% | 3.60% | |
| Savings Account Interest Rate | 2.60% | 0.20% | Spain |
| Credit Card Interest Rate (APR) | 17.5% | 14.0% | Malta |
| Average Rent (1BR City Centre) | US$900/mo | US$1,050/mo | Spain |
| Real Estate Price (per m²) | US$3,300/m² | US$4,100/m² | Spain |
Summary
Spain has a lower mortgage rate than Malta at 3.60% vs 3.60%. Rental costs in Spain average $900/month compared to $1,050 in Malta, while the cost of living index sits at 64.0 versus 63.0. Overall, the two countries trade strengths across financial and lifestyle metrics.
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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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