One thing I have not addressed in this blog is the cost of living here in Umbria. Recently I read a blog talking about the cost of living in Milan. Admittedly, it is less expensive to live there – it’s rated the most expensive city in Italy, than in most cities in the US, but it is still more expensive that many other areas here in Italy. People who are still working and have no choice but to live in a place like Milan do so, but retirees, like us and many people who move here on an ER Visa from the US, do have a choice.
Generally all the northern parts of Italy are more expensive than the south. And of course Tuscany, which has always been a magnet for expats is quite pricy, especially Florence. But central provinces like Umbria, or Abruzzo, or les Marche are a real bargain. They also see fewer tourists and, therefore are more welcoming, in my experience. Umbria is just next to Tuscany and has many of the attributes that attract people there. It has beautiful hill towns, the food is amazing and it has some of the best wines in Italy. It is also known as the “green heart of Italy” because it is in the center, vaguely heart shaped and, being very agricultural, very green. It is also a very traditional area. A little more tranquil and old fashioned.
People have asked me how much things cost here so I will endeavor to list some things.
Buying a house here is not terribly expensive if you don’t want a palazzo or a fattoria in the country with olive groves etc. But I should also say, like anywhere else, there are a wide variety of houses in a large variety of sizes and price ranges. For lower budgets I know of several habitable apartments in our town in the neighborhood of €80-100K. This would be one or two bedrooms and bath(s). A fixer-upper would be much less. Usually houses here are smaller so plan on 800 – 1,100 sq ft for that price. Also a real savings is that you won’t owe any property tax on your prima casa, or main residence. Apartments for rent are very reasonable. An apartment of this size will rent for in the neighborhood of €400-500 a month. Usually it comes furnished. Generally apartments rent with a lease for 4 years with option to extend for 4 years at the same rent. Other option is 3 years with 2 year extension. But you can negotiate. Many times utilities are included in the rent.
Speaking of which, utilities can be expensive here. Houses are rated from A-G for energy efficiency, “A” being the best as far as efficiency goes. Old buildings are notoriously bad with no insulation and thick stone walls which conduct the heat/cold. Our building is about 500 years old and of the later sort. In winter our bills were running in the neighborhood of 240€ for two months. But this past winter we got a 400€ bill (2 months). It was very cold.
Also most people, including us, use a pellet stove (stufa) to warm parts of the house.
Most places do not have air conditioning. We have two electric units. We don’t use them much so our bills are small. Water is a lot less here, around 20€ for 2 months. We pay 75€ for trash removal twice a year.
At my local Bar/Coffee shop an espresso is 1€. A cappuccino is 1.20€. Compare that to Starbucks! And it is way better. A small beer is 2€. An aperol spritz (mixed cocktail) is 4€. Many bars have happy hour with snacks gratis if you buy a drink.
To buy a basic bottle of wine can cost as low as 3€. Here they also have sfuzzi which are like a wine gas stations! Bring your bottles and fill them for between .80 and 1.30€ a liter! Of course high quality, pedigree wine is more. 12€ or more a bottle.
We have several types of restaurants. At a trattoria, which has great local food, you can get 3 courses for around 15€. A fancier Ristorante you will pay more, 5-8€ for an appetizer. 12€ for a steak. Pizza at a pizzeria is around 5-8€ a pie which is more than enough for a person. Contrary to common thought, most places are fine if you ask for a box to take left overs home. You can get just a slice for 1.20€. No tipping here. Round up if you want.
Supermarkets and food shopping.
This is a comprehensive subject and maybe should be a separate post. Groceries are less expensive on the whole. Many larger towns have weekly markets (mercato). The produce is good, fresh and affordable. For around 10€ I can get a big shopping bag of gorgeous produce to last a week. The markets also sell pecorino cheese of all sorts and ages and prosciutto and cured sausages and salami for which Umbria is known. Also a fresh mozzarella man, and my fish lady in her truck. My normal shopping habits are, I shop the two weekly markets, Wednesday and Saturday, for produce, cheese, specialty meats, fish. I shop the butchers, bakers, etc for fresh meats and bread. I only go to the supermarkets for staples like sugar, cleaning products, etc.
Approximate prices at a supermarket: you can get a whole chicken for 3€. Hamburger patties for 1.50€ each. Pork chops for 3€ lb. Steaks for $6 lb.
For fancier things you’d pay.
Veal steaks $8 lb
Beef filet steaks $12 lb
Salmon steaks $8 lb
Ground beef $4 lb
Lamb for grilling $3 lb.
Autos cost about the same here as the US but you must be a resident to buy one. There is an annual car tax as well. Of course I think everyone knows gas and diesel is a LOT more expensive here. Probably 4-5 times the cost in the US.
Our Skye satellite TV costs 30€ a month. Phones you can top up as you use the service. It is a lot less expensive than in the US. There is a TV tax to pay for public Italian RAI TV rolled into your electric bill. Internet can be rolled into a package with your phone and is not expensive. But it’s not very fast here.
Train travel is reasonable. One way to Florence from here is 12€. We take the Frecciabianca from Folognio to Rome fairly often. It’s reasonable (from 16.90€ on the fast Freccia train) and we are in Rome in an hour and 15. Have lunch, shop, come home before dinner. The fast trains (frecce) that run between bigger cities are more expensive and have several classes of seating.
Air travel can be very cheap here. There are a number of discount carriers like Ryanair, Easyjet and Wiz air. Umbria has a small airport but it is limited. We love it because it is so small and easy to use, parking is plentiful and cheap. We use Ryanair out of Perugia for our annual trip to the UK. There are several flights a week. We also flew to Bucharest Romania on Wizair once, just because we could! And there are a couple of weekly flights to Sicily. In summer they add more. Frankfurt, Brussels, Sardinia, Bari. If you shop around and are flexible you can fly for as little as 19€ round trip to Catania or Bari. Our friends go just because it is so cheap. But for destinations farther afield we go to Rome, Florence or Bologna.
Hi Christiana. I hate to say it really depends where you live. Some places have access to fiber and have very good internet. But I know some people have next to no internet. They are in the country. You’d need to be in a city to get decent coverage (generally speaking). It’s really impossible to predict. We use DSL and it works ok, we can do what we need and we can stream movies etc. but it drops out fairly frequently. It is what it is.
Hi Nancy, Thank you for your informative cost-of-living article. One question: It looks like your wrote this article a couple to three years ago. Is internet good now? I ask because having excellent internet will be a big part of how/why I’m able to move to the region… Thank you for any information you can provide!
Hi Terry. You can subscribe and get an email whenever I post. Just put your email in the little block in the right where it says enter your email. Then you will get an email asking you to confirm and you’ll be all set. And welcome!
Hi Nancy, I just found you while searching for places to live small town Italy. I would love to begin following your blog. And thank you for it!
Oh, I guess I didn’t see it was reposted. Thanks! Hope to see you and Mary here again soon. Maybe we could meet up in Abruzzo. We can visit the excellent wine areas and the trabocci along the coast. It’s a little known area.
I was delighted to see your blog posting re-posted on the Dispatches Europe site. My friend Nancy a blog star! I valued your earlier postings related to the topic of everyday living and costs in Italy. Thank you for the additional insights as we contemplate our own retirement move. Thank you!
Well, we’ll practically be neighbors then! Congratulations or Auguri to you. My email is on the Contact page should you want to meet up sometime.
Thank you for this wonderful information! My husband & I are purchasing an apartment in Gubbio (closing early April 2020). We’re over the moon excited!
Grazie, Mary Cathrine
hi Pia, Happy it is useful to you!
Grazie. Your blog is really helpful.
I’m sure there’s more! Thanks!
Fantastic blog Nance. Very helpful information. Thank you for all of the work!
Excellent article, Nancy. Great information for people researching regions and town before they settle!