Northern Malta · Investment Guide
Investing in Għargħur
A small hilltop village on the northern edge of the island, quiet, and known for the views off its ridge.
20New homes approved, Q1 2026
8Promise of sale, Jun 2026
6Final deeds of sale, Jun 2026
15Busiest month for sales, Apr 2024
The case
Why investors buy in Għargħur
Għargħur is one of Malta’s smallest localities, sitting on a ridge above Naxxar with views out over the north of the island. Its core is a compact village that has kept its scale.
Little trades here in any given month, and what does is mostly houses rather than apartments. Buyers are drawn by the quiet and the position, and they are usually buying to live rather than to let.
For an investor that means a scarcity argument rather than an income one. The village is small, the supply is limited, and the tenant pool is correspondingly narrow.
Find me an investment in GħargħurA few questions, then we do the looking.
The numbers
Market activity in Għargħur
Final deeds of sale
Completed sales in Għargħur have ranged from 2 to 15 a month since 2024. The past twelve months carried 97 in total, up from 82 in the twelve months before that.
Promise of sale agreements
Promise of sale agreements, the deals in progress ahead of a deed, have ranged from 2 to 17 a month. The past twelve months carried 111, up from 103 in the twelve months before that.
Source: National Statistics Office (Malta), residential property transactions.
The supply pipeline
How Għargħur compares
20 new dwellings were approved in Għargħur this quarter, 43rd of the 68 localities the National Statistics Office reported. That is a modest pipeline: most of what sells here will be existing stock rather than new build.
Sliema
322
St Paul's Bay
171
Birkirkara
154
Mosta
149
Qormi
126
Msida
120
Marsaskala
112
Għargħur
20
Source: National Statistics Office (Malta), residential building permits, Q1 2026.
Rental demand
Where the tenants are
Għargħur holds 0.47% of all active residential rent contracts in Malta, the 44th-highest of any locality, a small share, so the rental market here is thin next to the towns that dominate it.
St Paul's Bay
13.76%
Sliema
6.96%
Msida
6.03%
Marsaskala
4.46%
St Julian's
4.4%
Birkirkara
4.25%
Gżira
4.17%
Għargħur
0.47%
Source: Housing Authority (Malta), Malta Rent Calculator, H1 2026. Reconstructed from the published tool's own chart, not a downloadable table - see data/README.md.
Run the numbers
What it costs to buy in Għargħur
Enter a price and see the deposit, stamp duty and notary costs a Maltese purchase actually carries.
€
25%
The regulatory minimum for this buyer type is 20% - adjust the slider to match your own lender's terms.
Deposit€75,00025%
Stamp duty€15,0005% of the price
Notary fees€3,000-€10,500
Monthly repayment€1,07430-yr term at 4%
Cash to complete€93,000 -€100,500
Open the full finance calculator →Indicative figures based on standard Malta rates and a 30-year term at 4% - not a mortgage offer or financial advice. For income-based affordability, joint applicants and a shareable scenario, use the full finance calculator.
Buy-to-let
Investment-grade homes in Għargħur
Homes on the market now that suit a rental or resale strategy.
Costs & incentives
Tax, costs and residency
The rules and schemes that shape the return on a Maltese property investment.
Rental income tax
Rental income can be taxed at a flat 15% final withholding rate in Malta, a simple and competitive regime for landlords.
Residency by investment
Buying or leasing property can form part of Malta’s residency routes for non-EU investors, alongside the other requirements.
Short-let licensing
Short-term holiday letting is possible but licensed and regulated. Long-let is the simpler route for most investors.
Good to know
Investing in Għargħur, answered
Is Għargħur a good buy-to-let?
Rarely: this is a small, house-led market where most buyers intend to live in what they buy. Għargħur accounts for 0.47% of Malta’s active residential rent contracts.
How active is the Għargħur property market?
Between January 2024 and June 2026 the National Statistics Office recorded 221 final deeds of sale and 259 promise of sale agreements in Għargħur, a monthly range of 2 to 15 completed sales. The busiest month in that window was Apr 2024, with 15.
Is much new build coming to Għargħur?
20 new dwellings were approved in Għargħur in the first quarter of 2026, 43rd of the 68 localities the National Statistics Office reported. New build is a modest part of this market, so most of what trades here is existing stock.
Can foreigners buy property in Għargħur?
Yes. Non-residents can buy in Malta, usually through an Acquisition of Immovable Property permit, though many apartments in designated areas are exempt and Special Designated Areas carry no restriction at all. We can confirm the position for any specific property in Għargħur.
What are the total costs of buying?
As a rule of thumb, budget around 5% stamp duty plus notary fees, searches and any agency or legal fees. Off-plan and first-time purchases may qualify for reduced duty, so check the grants and schemes for the reliefs that currently apply. The calculator above works the figures through for a given price.