Hi This page is a work in progress. As I find new things that I think would be useful to know I will add them. And I have had lots of good input from other people who’ve made the move and added it as well.

[Last update October 2024]
I created this page to help people understand the ins and outs of a move to Italy. It is aimed at Americans (or most non-EU citizens). This information is specific to our own personal situation plus input from many others since our move. I try to incorporate new information and tips as I find them. Each Italian region has its own quirks. Each Italian Consulate has their own interpretation of the rules. There is no rule of thumb here. No recourse. If your consulate or region wants something you have no choice but to give it to them. So please use all the information here with that in mind.
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Before and during the move

A word of warning before starting the process of getting all your cards, visas, and permits. Be SURE your vital information is the SAME for every document you have. Always use your full middle name. No initials. Don’t omit it. Your Codice Fiscale, your Permesso di Soggiorno, your passport, birth certificate – They should all match exactly for your name, date of birth, place of birth, etc. We know many people, including ourselves, who have run into problems here with differences in our documents. So try hard to make them agree.

“How Can I legally move, and remain, in Italy?” You ask?
Well, the first, and easiest way is to be an EU citizen. An EU citizen can live anywhere in the EU (there is the inevitable red tape even for EU citizens). Or you could be married to an EU citizen and obtain permission to stay through them. Many Americans, of Italian descent, have sought to obtain their Italian citizenship. Dual passport holders, they can move to Italy with no issues and will receive all the benefits of their Italian brethren. They, of course, have to deal with the bureaucracy too, but from a different starting place. There is a Facebook page called Dual u.s.-Italian citizens. I am not of Italian descent but I’ve heard it is helpful to folks trying to do this. I’ve also heard thousands of people are trying for this and the waits can be literally years long! I am told it can be faster to get citizenship if you come to live in Italy and then pursue it from here through your home Comune. You must have all the necessary paperwork to prove you are eligible, and they will allow you to stay while applying for the citizenship. Again, I have not done this. I do have friends who have though.

The second way is to obtain a Visa from the Italian Consulate that handles your legal residence. This is what we did. See below for Visa types. I have heard many people complain about wait times at the different Consulates being different. This is normal Italian bureaucracy. Once you move to Italy it’s a fact of life. There is no consistency from agency to agency, region to region, consulate to consulate.

Many people think they can come here to live and work remotely. As, an example, remote work for a U.S. company. This is sometimes called a Digital Nomad visa. Italy  passed a law to allow this in 2022. It was implemented  in 2024. Go to your consulate for requirements.

Otherwise, you can only come as a tourist. And as a tourist, you are allowed to stay 90 days and then you must leave the Schengen zone for 90 days. (Schengen zone is comprised of 26 EU countries without border controls, see link below for list). It is complicated to calculate your days because they use a “rolling 180 days” definition. Here’s how they define it: “ This means on any given day, you need to look back to the previous 180 days, and you must not have stayed in the Schengen zone for more than 90 days in that period, including entry and exit dates.” (see link below to help you calculate). I should mention this 90 day Visa cannot be extended or modified. There is no such thing as an extended tourism visa, or a tourist work visa. Immigration is stricter nowadays on enforcement. All passports are controlled electronically. If you overstay the 90 days you can be fined and banned from the EU Schengen Zone  for a number of years.
Here is a helpful calculator to keep track of your visits in Schengen.

Obtaining a Visa – Types
There are several types of Visas.

• Work Visa: You cannot get a work visa on your own. You must have a job in Italy before you try for the Visa. If you are planning to work, your employer (who must have a physical presence in the EU) will sponsor you for a Visa that allows you to work.  Keep in mind, you cannot come to Italy and get this Visa. It must be obtained in your country of residence. Just because you have a sponsor there is still no guarantee the Consulate will give you the Visa. They make the final decision. Italy has very high unemployment and they jealously guard their employment opportunities and save them for its citizens. In order to find a job you’d have to have a hard-to-find skill that cannot be filled by an Italian. If you’re American, you could try working for the US Government on a military base. There are several in Italy. USA Jobs is one site with job opportunities. You would still need a Permit to Stay for these positions. This can be obtain through your military or government employer.
• Freelance/self employed visa: These are really hard to get. There are about 500 of these allocated per year and all 160 non EU countries compete for them. You’d need all documentation for an Elective Residency Visa PLUS a viable business plan which is of benefit in some way to Italy. The only people I know who managed this had to retain a lawyer in Florence to negotiate the ropes. All important, you need an Italian lawyer with good connections. Be sure to get recommendations. [Link with info self employment visa]
• Elective Residency Visa (ERV): This is the one we got. We are not allowed to work here on this Visa (even remotely for a US company). You must demonstrate enough passive income to qualify. This Visa is meant ONLY for people who intend to come here to live for an extended time. It is not meant for extended tourism. Read what one US Consulate says about this Visa. You are only issued one of these once. If you get the Visa, and don’t actually use it to live here you  might never get another one. You could be burning your bridges for a future in Italy.
• Digital Nomad: (DNV) this Visa was finally implemented in April 2024. The consulates have, for the most part, have listed the requirements on their websites. You must comply with the consulate requirements that services your legal address.
• Student Visa:  People of any age are eligible, you must be enrolled in a recognized school and it allows you to work 20 hours a week. To get the Visa you need to be enrolled and have a full curriculum listing the course of study or degree program. This Visa is of limited duration so if you wanted to stay it “could” be possible to convert to a work visa, but only if the degree is from an EU university. US degrees don’t convert.
  Italian study: A caveat, In the past people would signup for Italian lessons at an accredited school and come in that way. That, however, is becoming a thing of the past at many consulates. So far I know definitively that NYC, Philadelphia, LA, and SF do not give them unless you are doing advanced university level Italian language study. Their thinking is you can get basic classes in any US city. No need to go to Italy for basic study. Once you can pass the B1 test then you enroll for advanced studies. Too many people used to use this as a way to game the system to stay longer and weren’t seriously students.
• “Golden Visa”: This is for entrepreneurs and investors. People invest €250,000 in an existing business in Italy, or €500,000 in a startup. Italy is happy to have you if you can do this. A good immigration attorney will need to be obtained.
• There are also special Visas such as: Missioni Speciale (Foreign nationals who need to travel to Italy for reasons related to their political, governmental or public interest functions can obtain a mission visa (“visto per missione”) https://www.mazzeschi.it/very-special-persons-visas/), or embassy employees, diplomatic visas, UN, Visas sponsored by religious groups (missionaries), etc.

Obtaining an Elective Residency (ER) Visa
The websites for the various Consulates list the specific items required for an ER Visa. Each Consulate or the main Embassy makes their own independent decisions on Visas, often setting different rules. Not only that, the agent who is at the window when you apply also has enormous power. You must use the Consulate servicing your area of residence. We used the main Embassy in Washington DC. This was in 2014. A lot has changed since then. So many more people are applying for this. The new Italian government is tightening up and requirements are changing. Back then, for us we each had to bring:

1. One National (Italian) Visa Application Form, completely and clearly filled out, and to be signed in the presence of a Consular Officer.
2. Handling visa fee (this changes so you need to look it up) must be paid in exact amount in cash, money order or cashiers check made out to the Consulate General of Italy. Some have said they wouldn’t accept cash but our Embassy did.
3. Two copies of our entire passports (all pages) valid for at least three months after the visa period with a blank page available for the Visa.
4. Copies of our birth certificates. Not translated.
5. Copies of our marriage certificate. Not translated.
6. Proof of enough income to live in Italy without working. It is hard to find actual amounts published. As of this writing (2024) only one consulate is publishing the amount and that is Boston. It says the required income is €31,000 per person. In Italy nothing is done jointly. Each person must apply separately and use all of their own information to apply. The income  must be a passive income stream i.e., you cannot be “earning” this money from working and it must be documented by bank statements over time showing the income. It can be in the form of Social Security, pensions from employment, rents from properties, or annuities showing this income stream. The proof must be on agency letterhead i.e., Social Security Administration or government official documentation, bank letterhead, etc. A word of warning. As I said above, you cannot work in Italy on the ER Visa. If you attempt to claim any income from work when you apply, you will automatically be denied the Visa.
   In addition to the passive income stream you will need proof of  “substantial resources“. This is money in addition to a pension or social security. These resource accounts must be on bank/investment account/ mutual fund letterhead with a separate letter for each account number, current amount and holders full name.
7. Proof of medical coverage covering you for a minimum of €30,000 per person and must cover the entire EU.
8. A copy of the final sales agreement for a house or a certified registered lease from the landlord where you will be living. The lease must be registered with your town Comune (City Hall) to be accepted.  An AirBnB or vacation rental does not qualify as it cannot be legally registered due to tax constraints.
9. We did not have to, but some Consulates require that you write a letter explaining why you want to move to Italy. A friend who had to do this said, “The official read this over carefully. We were careful to not write a letter full of cliches such as wanting to improve our language skill, or love the culture. If you have a personal connection of any kind in Italy, that would be a good point to emphasize. Family and the connections between people resonate within Italian culture.”
10. We also didn’t need to get an FBI background check, but some Consulates require this.

Someone asked if anything needs to be translated. I have never come across anyone who had to have anything translated for this Visa.

Item number eight means you will need to travel to Italy and buy a house or rent an apartment and must show a registered lease  (Airbnb is not acceptable) before applying for the Visa. [see below, information on renting and buying] Most consulates only require a year lease. It all depends in where you are applying. I know it seems counter intuitive but you must comply. I also highly recommend that you know someone in your chosen town. It will greatly help with your transition.

When you go to your appointment (everyone going to Italy needs a separate appointment) you should be very organized with your documents with a cover sheet summarizing what is inside the binder or accordion folder, tabulate the sections, and highlight the pertinent individual and financial information on it and all of the other docs. You should dress nicely and be friendly. Present your documents. Answer questions as shortly as possible and do not volunteer any extra information. Be truthful. Don’t come across as if you think you’re entitled to this Visa. You are not.

Think of this as more like a job interview, rather than like applying for a permit to go fishing, where you just meet the stated requirements to get the license. Not so for a Visa. It is much more fluid. When you go to the window in your Consulate it is really the person in front of you making this judgement:  “Do I want this person in my country?” .  Many people think this type of decision involves favoritism or even bribery. But its pretty simple.  Have you shown that you will be a good fit? 

Remember, the consulate personnel are not there to help you enter Italy. On the contrary, many of them seem to see themselves as gatekeepers to keep you out of Italy. So it is of utmost importance to have all your ducks in a row.  Don’t give them an opportunity to turn you down by not being prepared. A friend even went to each and every Consulate website and noted all requirements and brought all required document for ALL consulates to her appointment as an added precaution. Never hurts to be over-prepared!

Times vary for obtaining a Visa. You can only apply for one 90 days or less from your departure date. And each Consulate has their own appointment portal on their website. Depending which Consulate it can take a while to get the appointment depending on demand. So check your Consulate ahead time so you can plan. Once you’ve had your appointment, times vary for receiving the Visa in your Passport. We got ours in a week. Some it took two. One of my friend’s recently took nearly 101 days. They are “supposed” to reply within 90 days.

Additional reading: Visa Guide

Getting a Residence in Italy – rent or buy

Where should I live?
The decision of where to settle can be one of the hardest you need to make. I recommend you don’t stress too much about it as no decision will EVER be perfect. Many people opt to rent, at least at first. It allows you to know if you like living here and in the location you choose.  I also, again recommend you know someone where you are looking. There is so much to learn when you first come and a helper will be invaluable.

I assume, if you plan a move to Italy, that you will have visited it a number of times. So, you’ll know where you liked and where you didn’t like. (If you haven’t visited, you should before you make such a big decision!)  I recommend you choose a region first. You can’t house/apartment hunt in the entire country. Then you’ll need to decide which area or town within the region. I recommend you make lists, “must haves“, “wants”, and “it would be nice”. Make this list first for the region, then town, then house. For instance, will you have a car? Or will public transport be important? Train station? Airport distance? Quality of medical care? Hospital? Do you want to be near water or mountains? Is it a very seismic area?  Is walkability from your house a factor? North or south or central? Big city, small city or country? You get the idea. Once you’ve narrowed your search area then you can peruse what’s on offer.

Renting a house or apartment
Rents outside of the large cities can be ridiculously cheap. In my town you can rent a one bedroom, one bathroom apartment for €300 or less a month. Larger cities, Rome, Florence, Milan, have more expensive rents, but still they are less expensive than in the US. Except maybe for small town America.

Please know, apartments are often arredato or furnished. They also often do not include a kitchen. No sink, no appliances, no cabinets. In this case you would buy a kitchen to be installed in the apartment/house. So be aware. Condo fees are often payable by the renter. Many things normally taken care of by landlords in the US, are NOT in Italy. If your refrigerator breaks you replace it. A major system, usually the landlord. Best to have an attorney look over the lease.

For your Visa requirement you will need a Registered Lease for at least a year (some Consulates require a 3×2 or 4×4 lease, see below). It must be registered with the Agenzia di Entrate. This makes it legal. Some unscrupulous landlords will try to circumvent this because they don’t want to pay taxes on the rent. This is not legal and you will not have the protections renters get by law. A vacation rental cannot fill the requirement either. It cannot be registered. Normal leases are 4×4 or 3×2. This means you sign a lease for 4 years with an option to renew for 4 more at the same rent. Or 3 years with 2 year option. You can, and should ask for an “escape” clause which allows you to give a few months (negotiable) notice to break the lease early. This all said, everything is negotiable and some landlords will allow you to rent a place for only a year if that’s what you prefer (as I said above, some Consulates will not accept a one year lease. You should check). Typically you will pay more for this. Here are the three main websites to search for apartments of houses for rent. Chose Affitto – Rent.
https://www.immobiliare.it/
https://www.idealista.it
https://www.casa.it/

Recently it has come to my attention that ERV seekers are having a hard time finding rentals that comply. Mainly because of the glut of AirBnB and other short term rentals. Property owners see these as more lucrative. It is affecting Italians as well who can’t find suitable rentals in the towns where they work. It is a real problem .

Buying a house in Italy

Buying a house in Italy is not as hard as one might think. You don’t need anything to buy a house except a Codice Fiscale (fiscal code) and money! Mortgages are difficult to get as a foreigner. The Codice Fiscale is a personal number (fiscal code) everyone must have to buy many things in Italy. It is also needed to get cell phone plans and internet. The government tracks financial things closely to control money laundering etc. You can get the code from your Consulate or Embassy. We did ours in person before we came and before we bought a house. It was easy to do ourselves. Don’t pay anyone to do this for you. This number is not the same as a social security number in the US so it need not be kept confidential.

Real Estate is not taxed if it is your prima casa (i.e. you live there as your primary house) AND you have Residency. So we pay no property taxes. Otherwise, it is taxed (IMU) but at a much lower rate than in the US.

There is a tendency by agents to have their own listings and show only them. Each agent or agency handles his or her own listings. But it IS possible to find an agent who is willing to work with others to show all properties on offer. Our realtor arranged with other agents to meet us with the keys and show us properties he thought we might like. This is not always the case (but becoming more so)  so find an agent who will do this. Ours is a small town, and our agent knew everyone. So he could network. I had a person ask me recently about moving to Tuscany. Her plan was to come to Florence and contact a realtor there who would take her out into the Tuscan countryside and show her properties. This WILL NOT happen. Florentine agents will be focused just in Florence. Nowhere else. And they will show you just their properties. So, you must search in your preferred location on-line and contact agents in that area. A few good portal sites to try (they list for multiple agencies). The first one is aimed at foreigners so could be more expensive and it‘s in English. It only has places for sale. The other three have both vendita (for sale) or affitto (for rent) and are in Italian.
https://www.gate-away.com/
https://www.immobiliare.it/
https://www.idealista.it/
https://www.casa.it/

I found this bit of information which could be helpful and is a yardstick on the different regions and their expenses:
The median price per square meter for homes in the 14 Metropolitan Cities (provinces) of Italy, as of April 2021:
– Rome: Euro 2,722 (-).
– Milan: Euro 3,177 (-).
– Naples: Euro 2,225 (-).
– Turin: Euro 1,541 (-).
– Palermo: Euro 1,337 (+).
– Bari: Euro 1,547 (+).
– Catania: Euro 1,176 (+).
– Florence: Euro 3,159 (+).
– Bologna: Euro 2,263 (+)
– Venice: Euro 2,316 ( = ).
– Genoa: Euro 2,088 (+).
– Messina: Euro 1,123 (-).
– Reggio Calabria: Euro 885 (+).
– Cagliari: Euro 1,826 (+)

​by Immobiliare.it

About agents: there are many English speakers working illegally as so called “house finders”, in Italy as passing the exam is difficult. In addition there are no requirements for “estate agents” in the UK, so they think they can work without the training and licensing required here.  Naturally there are also many who are completely legit.,

Once we found our house we made an offer through our Realtor. First with no deposit. Once the offer is accepted you’ll be required to send at least 10% deposit.  In Italy you can have the house inspected by a Geometra (see below) but it is not like in the US where things are contingent on the outcome. There are no estimated values (comps), no inspections services.

Law requires that the building has a building permit, and works done since were authorized. There are some exceptions to the building permit based on the age of the building (1942/1967 being pivotal years). There should also be an occupancy permit but this is not a firm requirement to purchase/sell. The sale is by law contingent on the required permits that apply be in place.

It is possible to pay a professional (geometra, architect) to issue a conformance report on building and land registry issues. It might not make sense for an apartment but it makes a lot of sense for a home (and I recommend it) in the countryside. An inspection on issues common in the US like mold, radon etc. is unheard of here.

It is important to trust and like your Realtor. Also, for us it was best if they were English speaking. Ours was British (licensed in Italy) as are most of the English speaking ones here. He also helped us open an Italian bank account into which we would wire money.

Agents Fees: if the agent is unlicensed, no fee of any sort is due (they are working illegally) regardless of the euphemism they use to try to confuse people, e.g. marketing fee etc, Fees are “free market” (in theory it is negotiable, but this has to be done before s/he does any work for you…) but are typically 3-4% for each the buyer and seller, e.g. the buyer will pay 3-4% to their agent, regardless if the agent collaborated with others or not. By law an agent is suppose to be impartial and represent both the buyer and the seller, the reason both parties pay fees.  At least in theory. There are also closing fees and taxes payable at closing. If you will not be living full time in the house (prima casa) you will pay 9% tax. If you are going to live there the tax is 2%. There are property taxes on houses called IMU but only on house that are not prima casa. So a part time visitor or a vacation home will be taxed by the Comune.

Our offer was accepted. You don’t need any money in hand to make this offer so don’t let anyone tell you different. We next had to give our Realtor a limited Power of Attorney so he could sign for us and go to the closing. We visited a Notaio to do this. The buyer is required to hire this official. He is not a notary as the name would suggest, instead s/he is just below a judge in rank and above an attorney. They research the title and check all permits etc. It was quite the show. Then we flew home to the US. Next step was to pay a 10% deposit.

Wiring money – We had 20 days contractually to pay the 10% deposit. Before we retired we opened a new checking account with USAA. We know that since they cater to the military and families they have members all over the world. My local bank always seemed unfamiliar with these procedures not to mention the exchange rate was ridiculous. USAA gives the official exchange rate with no mark-up. We are very happy with them.  This all said many people have good things to say about Wise. Do shop around. We had the numbers our bank in Italy gave us and we called up our bank and sent the deposit. Then we waited to see if it would arrive OK.

Four days later it had arrived in Italy. We got an email from our Realtor and he arranged for the final signing of the compromesso (sales agreement). Once this was complete if we backed out we would forfeit our deposit. If the seller backed out they would have to refund  the deposit back to us plus another payment equal to the deposit, i.e, if we gave them Euro 10,000 they would have to give us Euro 20,000 to back out. Normally once the compromesso is signed the deal should go through without a problem.

Once the deal closes you receive COMPRAVENDITA REPUBBLICA ITALIANA or the final sale agreement. It is in effect your deed. This is what you need to copy and bring to your Visa appointment.

Here is a helpful link to information published by Sean Carlos, a Real Estate broker here. How to buy a home in Italy

Renovation
If your house is not new you will probably want to do some renovations. We worked with a Geometra. Here is an online definition I found:

There is no exact equivalent for a “Geometra” in English as this profession with its special form is probably unique to Italy.

This job is a combination of architect, building surveyor and expert in the field of surveying. In any case this person is absolutely essential when buying a property but also when doing major renovation work or building a new house. He is a specialist who identifies, surveys and evaluates the plot of land or the property, he comments on the condition of the subsoil and refers to possible difficulties.

His professional competence is not only of a technical kind. A “Geometra” can also be of help when it comes to legal issues or tax related estimates.

Our Geometra also was a sort of general contractor with a crew of workers who could complete the renovations. You should get recommendations from someone you know and trust. There are also architects and contractors in the same sense as we have in the US. It depends on the extent of the work you need to do. Also, keep in mind these people do not necessarily speak English.

Now, in 2023, there is a real problem with lack of availability of Geometre and workers to do the work. There are incentive programs now in Italy for renovation and eco upgrades which have pretty much usurped all the available workers. I have a new house this year and want to design a kitchen, it turned out to be a real problem to find someone to help. I now have an architect who will handle all details of this upgrade. But I must wait for workers. If you get an estimate on time for completion here…double it. It is a fact of life.

Car rental Pre-Residency
Car rental is one expense you need to budget for in your move. If you need a car, you cannot buy one until you obtain your residency (a non-resident cannot buy or register a car). You will need to rent for an indeterminant amount of time but normally five to ten months while waiting for your residency. We used the Renault or Peugeot rental programs. But it is still a big expense that cannot be avoided. So be sure to plan for this expense.

Things to do before you leave the US

Rent a mailbox from an online company (dropbox).
There are lots of companies that do this. We rented one for 2 years and renew it. You can forward your mail to this address. And you will want to do Changes of Address for all your mail. They receive your mail and notify you it has arrived. You have the choice of having it scanned (for a fee), having it forwarded to Italy (for a fee) or discarding it.

Tell all your friends and relatives not to mail you anything in a box.
It is a BAD idea. I know they love you, and want to send Christmas and Birthday presents. But…It will get stuck in Customs, it will be a royal pain to figure out how to get, and the duty and fees will be twice what that candy your Mom sent you cost. Just say NO!
If your friends and family want to send you a gift have them use Amazon.it – Tell them if they google chocolate chips on the site search (in English), they will get options and can send some to you 🙂

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Moving physically to Italy

Shipping to Italy
We used a shipping company to send household goods to Italy but not big items like furniture. The one we used was UPakWeShip.com — many also like Send My Bag. You can also engage an international mover. You must be here and in your new home to receive the container. You must have already started the process to live here (applied for the Permesso di Soggiorno and registered at your Comune). Customs and the shipper will need copies of proof of address (registered lease or deed) and other immigration papers. You have one year from arrival to get goods shipped duty free. After that you will pay duty on any shipment.

Bringing pets to Italy
We elected to bring our two cats into the cabin with us. Only a few airlines do this. You need to make reservations ahead of time. Larger animals will need to go into the hold. There are companies that ship animals and deliver that you could look into as well.

There is no quarantine of animals in Italy. There are, however, several hoops you have to jump through to bring animals to Italy. It is important that you do them in the proper order.

• First get your pet microchipped at least 1 month prior to your trip. It must be the chip recognized in Europe. It is not the same chip as is usually used in the US. The readers in Italy can’t read the US chips. Personally with hindsight, I think you should just go ahead and do it the moment you know you are going as it is never too early.
• After that (and at least 21 days before you leave) get a new rabies shot even if they already had one.
• 10 days or less before your flight download the official dual language forms to bring a pet into Italy from the Italian Embassy website.
• Take that form no more than 10 days before you go and have your USDA certified vet fill it out. Make sure you have your rabies certificate from the shot about a month ago.
• Last go find the United States Department of Agriculture Animal and Plant Health Inspection Service Veterinary Services in your state. Either FedEx all your forms (Italian form and Rabies certificate) to them or take them to them for certification. Then you should be good to go. UPDATE  — the USDA created a site for approved vets to upload the info and print the certificate on the spot.  It must be done within 10 days of travel.

You take all the forms with you to show when you arrive in Italy. They never asked to see ours but still…you should not take any chances with this!

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Once you arrive

A word of warning before starting the process of getting all your cards, visas, and permits. Be SURE your vital information is the SAME for every document you have. Always use your full middle name. No initials. Don’t omit it. Your Codice Fiscale, your Permesso di Soggiorno, your passport, birth certificate – They should all match exactly for your name, date of birth, place of birth, etc. We know many people, including ourselves, who have run into problems here with differences in our documents. So try hard to make them agree. (I know I’m repeating myself but it bears repeating!)

Second, all regions are different. Some issue things in a different order. Some require one thing first then the other. So please check with your Comune and Questura. But generally speaking the below is what “most” regions do. You must have a Visa (obtained in your home country), then you apply for the Permesso di Soggiorno within 7-9 days of arrival, then Residenza. The Permesso is what allows you to live in Italy and is mandatory.

Obtain your Permesso di Soggiorno – (permit to stay) (PdS)

You must apply for a Permesso di Soggiorno (PdS) if you come on a Visa or if you’re married to an EU citizen. On a Visa you must do this within 7-9 days after you arrive in Italy. This supersedes your Visa, which never has to be renewed. I am borrowing something a friend said, Think of the Visa as a taxi that takes you to your door (gets you into Italy) and the Permesso as the key that allows you to live in your house (i.e., actually live in Italy). The PdS will be good for a year after the date on your Visa stamp in your passport. You will have to renew annually, or, in some regions, bi-annually. You are required to begin the renewal process 60 days or more before expiration date on the PdS.

If you’re an EU citizen you still must register for residency in your Comune upon arrival. If you’re married to an EU citizen you cannot apply until your partner’s residency is complete. You will need to register your marriage at your Comune.  The license must be translated into Italian. Your Permesso will be for five years. After 3 years continuous residence you can apply for citizenship through your spouse. It will take about four years to get it after you apply. And you must pass the B1 Italian test.

To apply for the PdS if you enter on an ER Visa you will need:

• To go to your Italian Post Office and pick up a ‘yellow packet’ for the Permesso di Soggiorno application. The yellow is for Non EU citizens. The yellow packet has two modules and we (ERV holders) just filled out the first 4 pages of Module 1. Depends on your dependents etc. There is a place to enter the number of pages you’re submitting. You will need to count all pages, including modello 1 and 2.
• I just found this link which is an amazing resource. PDF instructions for applying for the Permesso di Soggiorno.
• After filling out the packet you will need:
  • Copies of all of your Visa documents (proof of residency, financial documents, health insurance, copies of your entire passport, etc)
  • A €16 stamp from a tobacco shop – it’s called a Marca da Bollo.
  • 4 passport-style photographs
  • Your completed packet including all the blank pages
  • €€€
  • The post office will require you to fill out your own invoice – bollitino. It comes in the Yellow packet. You can look up fees online. You should fill it in before you go.

Next:

• You go to the post office with all your materials, get a number to go to the correct window – as only certain windows at the post office handle the Permesso applications.
• Give them your materials, they flip through them, ask you for signatures,  your Bollitino paying the fee (found on the Internet – it can change from year to year – and the Poste employees will not know the amount, so you need to know before you go), they bundle everything into an envelope and give you a receipt (do NOT lose the receipt! Very important!). In the past the Poste scheduled your appointment at the Questura (times vary from 3 months to over a year). Lately they do not. You wait for an SMS telling you the date.
• At your appointment with the Questura (Immigration police). You will need:
  • Your photos – as the post office doesn’t take those
  • A complete copy of your passport (Again!) and other documents used for your Visa.
  • a copy of the receipt you got at the post office, and the original
  • All of your post office receipts including a copy of them

  The policewoman/man will take your fingerprints and process your paperwork.

  When we first went to the Questura we had to sign an agreement to stay in Italy. The letter we signed is an agreement between us and the “State, in the person of the Prefect of PERUGIA”. We agreed to attend an Italian culture and civics class and pass the A2 Italian proficiency test. There is a point system. The letter clearly states that we get 16 points up front. If we do not take the class we lose 15 points. We need a total of 30 points after two years. I have found out this agreement is also regional and many do not sign one. But if they ask you to, you must comply with these rules. [Addendum: after 2 years we received a letter of non-compliance and were put on probation for a year. Presumably, we would be deported after that had we not complied. We had not taken the Civics class as it’s date was passed when we signed the agreement. We had one point. So we visited the immigration office and it turned out all we needed to do was pass the A2 Italian proficiency test, bring proof we owned a home here, and proof that we had gotten Italian health insurance. This gave us 34 points so we complied.]

  You leave the Questura appointment with your receipts and are told to check in online for when your Permesso card is ready. They send us a text message on our phone too but it’s best to check after a couple of months. If you get a text it will have a date and time to come and pick up the PdS. Otherwise you may need to call. Getting your Permesso card takes at least a couple of months and could be six months (or more so don’t panic).

The second appointment at the Questura is pretty short, checking your receipts again, another finger print and they give you your Permesso card. This card is good for one year from the date of your Visa so by the time you get it, it could expire within a month and you need to do the same process all over again for the annual renewal. Some areas do two years. Umbria does not. Try to start early enough so that your Permesso doesn’t expire. Recommended 3 months minimum. [our Questura is notoriously slow so ours always expires before we get the new one. We apply 4 months ahead and generally get the new one 3-6 months AFTER it expires]

The receipt that you get when you drop off your packet at the Post Office is nearly as good as having a Permesso. We have learned however, that you cannot travel on the receipt through, or to, another Schengen country, nor can you travel on an expired card with the receipt. It is not considered an official document. Say you want to return to the US or Canada – you can fly direct, non-stop there from an Italian airport. Or if you fly out you will need to fly to, or through a non Schengen country like the UK. Or you can fly into a U.S. city to connect to your destination. Travel by train or car is not normally a problem because you won’t pass through a border control checkpoint, except I’ve heard recent accounts of documents being checked on trains.

Carta d’Identita
After you get your Permesso you will need to get your Carta d’Identita. To do so go to your local comune Anagrafe office and pick up a form and show them your Permesso. The police then visit your house to be sure you live there. The Carta d’Identita is your Italian ID which you use when you are checking into Italian hotels, etc rather than showing your passport. You cannot fly or travel outside of Italy on this if you aren’t an Italian citizen. We could not buy a car without this card.

UE permesso di Soggiorno per soggiornanti di lungo periodo
Finally, it is possible, after five years of obtaining Permessi di Soggiorno, to apply for the Permesso di soggiorno UE per soggiornanti di lungo periodo (ex carta di soggiorno) – elective residence. Or permanent residency. It is an arduous process. If you think you would want to try for this yourself, one hurdle is you must have been paying your taxes here in Italy. And be able to prove it. So plan accordingly. We were successful in 2023 and received our permanent residence cards renewable in ten years with only new photos. It allows one to work if one wants. Here in Umbria it also entitles you to free health care. Link to a site with info below. The required documentation here is not complete according to my sources….but it is informational. Political do Stato 

Italian Citizenship (for people with no Italian ancestry)
After living here ten years one can apply for Italian citizenship. The B1 language certificate is a requirement. We have not yet reached that point so I don’t know how one does this yet. We don’t intend to get citizenship since we got the Permesso lungo periodo permanent residency.

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Living in Italy

Learning Italian
I think a lot of people considering a move to Italy fail to realize that probably THE most important thing they will need when they come here is to speak Italian. Italy ranks very far down the list of countries whose populations speak English. Many people who’ve traveled here have only been in the major tourist areas and stayed only in hotels and ate only in restaurants. All of these cater to tourists and almost all hire people who speak English. It is easy to conclude that you’ll be able to get by with English. But this is far from the truth.

Say you rent or buy a house or flat in a town in Italy. You’ll need to take care of issues in the apartment or house yourself. You’ll need all your utilities transferred into your name. The people at the gas, electric, and water agencies won’t speak English. You want to paint the walls a new color? The painters won’t speak English. You’ve got a leak, the plumber won’t speak English. Want to add air conditioning – same? Need to see a doctor? You won’t necessarily find one who speaks English. How do you communicate? No – google translate won’t cut the mustard. You’ll need to understand and make yourself understood.

But it isn’t only for this reason that you’ll want to speak Italian. You’ll want to be able to speak to your neighbors when they speak to you. Or the owner of the Alimentari when you pick up a few groceries. To understand when he tells you exactly how to prepare what you are buying. Italians love to cook and often share recipes 🙂. You will want to be able to integrate into your new community.

Most Comunes have nearly free Italian classes (I paid 10€ a year) for stranieri classes. Starting with the basic A1 level and going to A2. They also administer the A2 proficiency test to comply with the agreement we signed to stay here. There are also numerous private classes you can take and also on the internet via skype. You can even do this before you leave the US, or your home country. The sooner you start the better. I took a semester of Italian at my Community College before we moved. It gave me a base. I am still taking lessons, ten years in. I’ve got plenty to learn but I’m getting much better.

I cannot emphasize it enough. Start now if you want to move to Italy someday.

Italian bureaucracy
Living here in Italy can be challenging. For every step you try to take you must deal with waiting, roadblocks, and returning again and again to finally get the thing you need accomplished. If you are retired, like us, you do have time to wait. I don’t pretend to know how working Italians manage this! Also, as another friend has noted, “no does not always mean no”. Many times they ask for something I don’t have with me and they shake their heads. Then go ahead and do it! Sometimes asking me to bring whatever they need back. Another frustration can be the fact that nothing is set in stone. Friends will tell us they got this or that done with only this form but when we go, we need more or cannot get what we need. Bureaucrats can make decisions randomly and you have no recourse. It is just a fact of life here. Italian agencies at ALL levels (national, regional, provincial, local) vary hugely by what they require and the processing times. Americans are used to consistency but it’s not the case here. 

Taxes and expenses
Go here for an informal look at what ordinary things cost here in Umbria. Umbria, Abruzzo, Les Marche and Molise are the least expensive Italian regions in the center. Tuscany is more expensive due to its huge expat and tourist influx. Cities are always more expensive. The north is most expensive. The south (Basilicata, Puglia, Campania (parts), and Calabria as well as Sicily and Sardinia) are less expensive. But you get what you pay for. Health care is not as good in the south. And infrastructure.

Here is a map courtesy of ISTAT. The data are from 2012. It shows the annual per capita cost of living by region. You’ll note the very expensive areas are in the North and in the South it is less expensive. We are among the four provinces right in the middle physically and in cost.

Taxes and required payments are your responsibility to know about and to pay. Being immigrants or stranieri we don’t always know what is required. Italians, on the other hand, know about these from birth! So it is best to inform yourself by asking an Italian friend or an ex-pat who has been here a while.

Italian Income Tax
Once you obtain residency and have been a resident for one year you need to file Italian income tax.

The Italian Agency of Revenue (Agenzia delle Entrate) will use the following factors to determine if you are residing in Italy:

You will need to use a Commercialista to file for you, ideally, one who is familiar with filing for US citizens. I am told it is a very complicated issue and you can get differing opinions from different Commercialiste. There is an agreement between Italy and the US concerning taxes. You can Google US/Italy Tax Treaty. You are protected from double taxation by both countries. Some people have been told by US CPAs, who don’t know international tax law, that if the money is not earned in Italy, it is not taxable in Italy. This is not correct. All income, worldwide, is taxable here with a few exceptions. A question asked often — “is US Social Security taxed here?” Yes it most definitively IS taxed here. But you’ll not pay in the US if you pay here.

There is “normal” Italian income tax, and, for retirees coming to Italy, there is a scheme to attract them to towns that are dying. They need to be drawing taxable pensions. It is the 7% flat tax. I’m not expert but if you live in a Comune with 20,000 people or less, in one of the designated regions your tax is 7% for 9 + 1 years. The regions are, Abruzzo, Molise, Puglia, Basilicata, Campania, Calabria, Sicily, and Sardinia. Keep in mind there is a reason for this…these towns are dying. Population depleted. Few services. Poor public transport. Inconvenient and sub-par health care services.

So, as for the “normal” taxes…Essentially we are taxed on our Social Security, dividends and on unrealized value (on investments and IRAs) held outside Italy. Italy doesn’t recognize Roth IRAs. There is a .2% wealth tax. Italy also will tax you, every year, on any real estate you own outside of Italy at 1.06% of the purchase price.  US government and state pensions are taxed in the US, not Italy. But, be warned, if you become an Italian citizen, then all pensions from the US, regardless of origin are taxed in Italy including Federal and State pensions. Overall taxes are higher in Italy than the US. We don’t pay any US tax because we take a credit for what we pay here.

Many people balk at the taxes here. But there is something you should consider when you are thinking of moving to Italy, although the Income tax is higher here, there are other considerations to take into account which mitigate that extra expense. For instance, we own our home but we pay no property tax here because it is our Prima Casa, or the house we live in as our residence. For us, that is a savings of $10K a year. We pay no state taxes here. Also a big savings from high-tax Virginia. We are on the Italian Health System (see below info). Most immigrants do pay a nominal fee annually but it is a pittance compared to US costs. And most procedures are free.

So, all things considered, what is a new life in Italy worth to you? You gotta pay to play, but I think it kinda balances out in the long run, all things considered. I feel, if you want to make a life here you should pay for what you use that our (my) taxes pay for and pay to support your new community. It is a pet peeve of mine that so many people want to come live here but limit their time to just under the limit for taxation (183 days). They use the resources and the services and enjoy the lifestyle but they don’t pay their share. 😡 Sorry, but it’s not right.

Other expenses
Energy is very expensive in Italy. It is four times as much as any other country in Europe. When buying a house, keep this in mind. Town gas, electric and water is cheaper. Many people heat with wood. We have a “stufa” or pellet stove which helps a lot to keep this apartment warm. When you buy ask for the energy rating. Older houses are not insulated. Houses are rated from A+ to G, A+ being the most energy efficient.

Electricity is strange here. Most houses have 3.5 KW of power. This is NOT much. So if you try to use two appliances at once typically the breakers will trip. Very annoying. But you CAN upgrade to 4.5 or even 6 KW. We did this. It cost €200 to do the switch. And, even though people said we would generally have higher bills, we noticed no real appreciable change. Your mileage may vary 😏 When you sign up, pick the higher amount if not being able to use a dishwasher at the same time as the oven matters to you. Then you avoid the €200 change fee.

In some areas you can read your own meter and report it to the utilities to avoid a big bill to settle your account. In larger cities the meters are self-reporting.

There is a TV tax.

Real Estate is not taxed for the house you live in full time, or your prima casa, AND you have Residency…so we pay no property taxes. A second home or vacation home is taxed. The tax is called IMU.

We have to pay a garbage tax three times annually. You can also pay all at one time. If you don’t get a bill, inquire at your Comune.

Car tax – In our second year we found out we owed car tax! For two years! Just an example of how you can get blindsided here. So be sure to ask when you buy a car.

Buying, owning or registering a car
First rule…You must be a resident to buy or register a car. The only exception to this is if you are a dual Italian/US citizen registered in AIRE, then you can buy a car but you must have a residence in Italy. A non-Italian citizen must wait, sometimes over a year, to become a resident so consequently must rent a car or use public transit. An EU citizen must also register themselves at their address with their Comune before they can buy a car. If a person doesn’t have a legal address, they cannot register, nor buy a car. The rule is a result of anti-mafia legislation to prevent money laundering, I’m told. Buying expensive, “portable” property, like cars, is prohibited to non-residents.

Buying a car is not at all like in the US. First, I recommend that you not buy a used car from an individual unless you know and trust them. There are many pitfalls one of which is that you assume liability for any accident or infraction the former owner had incurred. You can buy used cars at auto dealers. They are inspected and warrantied. There is also the concept of Kilometer 0 cars, essentially demos. You get them from dealers. They have warranties etc. You can also buy a new car at the dealer…you just can’t do it fast. The dealers do not keep inventory on their lots. To buy new you normally have to order a car. It takes about 3 months to receive it. You must be an Italian resident with a Carta d’Identita to order or buy a car.

Car insurance is more expensive here. All auto insurance is more expensive than the US. Our first policy, with an Italian company, turned out to be only liability, no comprehensive, so be sure to ask.

New cars have first inspection due in 4 years. After that it’s every two years.

Importing a Car
A word about importing a US car to Italy. I see questions all the time about this and the consensus is, DON’T DO IT! The car would need to be retrofitted to comply with EU standards, which can be costly. Dealing with the Italian Authorities is not for the faint hearted. And you would still need to be a resident here to be able to get it registered. It is infinitely easier to buy a car here after you move. There are plenty of low cost vehicles. Another thing to consider is that you cannot drive a car on a new Italian Drivers License (see below) with more than 55KW of power or about 95 horsepower for three years. See below information on drivers licenses.

Here are a couple of links from people who have tried to bring a car that are informative.

Part 1 – https://ridgewayaway.wordpress.com/2011/03/08/our-greatest-expat-mistake/

Part 2 – https://ridgewayaway.wordpress.com/2011/03/09/getting-nowhere-importing-a-car-part-2/

Drivers License
One price you pay to live in Italy is that the US has not adopted a reciprocal policy with Italy to convert our US drivers license to an Italian one. This means you can drive on your US license with an International permit for only ONE year after residency. Many people think the international permit will be legal. This is not true. This permit is merely a translation of your US State license. Not a legal drivers license. Warning: If you drive illegally on your non-EU license your insurance is voided in case of accident. If stopped, you will be fined, your US license confiscated, and your car can be impounded. This test is probably the biggest hurtle that expats will face. I’ve seen people say they are more proud of the Italian Patente than their masters degrees! It’s true. It is hard. But everyone I know has passed. Even those not fluent. It just takes enrollment in an autoscuola, a few months of real intensive study (a couple hours a day) and memorization.

There are exceptions to this rule. This page is not so much aimed at the people with these sorts of Visas but it should be mentioned.  Many people come here with the US Military, or with DoD jobs which fall under the Status of Forces Act (SOFA). They operate as though they are still on US soil and are issued licenses through the US Bases. Missioni Speciale (Foreign nationals who need to travel to Italy for reasons related to their political, governmental or public interest functions can obtain a mission visa (“visto per missione”) https://www.mazzeschi.it/very-special-persons-visas/), or embassy employees, diplomatic visas, UN, Visas sponsored by religious groups (missionaries), etc. I am told, but I don’t know for sure, that these people are also exempt from switching to the Italian License.

If you have an EU license already you can convert it to an Italian one. The one caveat, you cannot have traded your license from the US for the EU license. In other words, if you lived in Germany, which has reciprocity with the US, and you traded your US license in for the German one, Italy will not convert it again. There will be a code on the license indicating this. The reason? Because you didn’t sit the EU exam in Germany.

But for normal people…after the first year here you must take the Italian test in Italian. You can arrange ahead of time to take the test in French or German because Italy abuts countries that speak these languages. It is never in English, sad to say. Much has been written about this, but in a nutshell, you can study online to take the written test. It is VERY technical with trick questions. You’ll need to enroll in an Autoscuola, driving school. They provide books and lectures on the material (in Italian). Friends say it’s better to study on your own. If you’re not fluent in Italian, there is a bi-lingual course book. After you’ve studied the manual, there is an App which allows you to take practice  tests online. They are exactly what you’ll see when you go for the real test. The real test is 30 true/false questions randomly drawn from a pool of around 7,000 possible questions. You can miss three to pass, or 10%. People who are not fluent can pass this test if they memorize the material. It is technical language and even Italians have to memorize it.

It is possible to take the written test on your own, but it is easier if you let the school do the bureaucratic paperwork for you. At any rate, you cannot take the practical driving test without enrolling in a driving school. The costs can run up to nearly 1500€ for the full course. Once you have passed the written test you must take 6 hours of behind the wheel training. Then your instructor takes you to take the test in the Autoscuola car. Usually manual transmission. If you get the test in an automatic, your license will limit you to driving an automatic.

All of this must be done in spite of the fact you’ve been driving many years. And you blow this off at your own peril. Your insurance is null and void in case of an accident if you have not gotten your Italian license and they can and do impound your car. Plus large fines. A friend recently had her US license confiscated in a routine traffic stop. And she got a fine. She studied hours each day and took hundreds of on-line trial tests. She passed! So you can do it.

Link to the Italiano/English study book – available on Amazon.it

A good first person account along with study tips and resources.

Link to the article on what cars can be driven by a newly licensed driver.

Another thing to consider is that you cannot drive a car on a new Italian Drivers License with more than 55KW of power or about 95 horsepower, for the first three years. You can google for a list of approved cars. For three years you cannot drive more than 100kph on superstrade or 90 on regular highways. It matters not that you’ve been driving 40+ years! There is an entire used car market for Neopatente drivers. You buy a low powered car, keep it for three years, and then sell it back at the end.

Italian medical system
Medical care varies greatly in quality from north to south. The north has far better care than the south mostly due to budget cuts. If you are contemplating retirement here this should be a major issue for you. Here is a recent map of the differences in health care.

For Italian citizens the cost of the medical system is paid with taxes they pay where they work. But for non EU citizens it is not free but fee based. This fee gets you a Medico di Base or primary care doctor who handles your everyday medical needs like prescriptions and tests – free visits. Prescriptions can be free or a small amount usually under €5. Hospital stays and procedures are free. Basic tests have a small co-pay. It is hard to manage here without enrolling in the public system.

In 2023 Italy passed a new budget which took effect in January 2024. Among the changes was a change to the fees any non-UE citizen will pay for inscription into the public health system. The new rule is €2,000 flat fee up to around €2,700 depending on income. The only exceptions are for students or au pairs or people working and paying income tax from income earned in Italy. This new law mostly affects retirees here.

You must have your Permesso di Sogiorno and Rezidenza to sign up. You sign up at the beginning of the year at the Azienda Sanitaria Locale (ASL). You have to pay your money via an F24 at your bank. You will then get your medical cards in the mail. If you sign up in mid-year you will still pay the full annual amount. If you are unlucky, as we are, your permesso will expire sometime in the middle of the year so you can only get the card until the expiration date. This means you have to return when you get your new Permesso to get the rest of your year coverage. It seems every year our Permessi expire so we take the ever-important receipt from the Poste back in and they extend it for us.

When you sign up you choose a doctor who will be your primary care physician. You should already know who you want when you sign up. Ask around for recommendations. All appointments to this doctor are free. All prescriptions you get from the doctor are covered and are usually free or nominally priced according to your income. The doctor writes prescriptions for procedures as well as medication. Then you take the prescription to your farmacia where they will give you an appointment. Sometimes you have to go to the health department (CUP) for the appointment to be made. (You pay a fee for any special tests you get, i.e., blood work, EKG, etc. The fees for care are nominal. My blood work cost 15€. Colonoscopy was free. Mammogram was free.) Then, on the time and date you go for the test. On the appointment sheet it says if you owe anything. If so, you pay in the hospital before the test.

There is a down side as sometimes it takes a long time to get an appointment for a test. If it is non-life threatening. If you don’t want to wait you can always go “private” and pay for it. This is faster. Also, before you are covered you can always go to a doctor on your own as well. You pay the doctor at the time you visit him/her.

Sometimes I want to go to a specific doctor or specialist and my doctor will arrange an appointment for me. Or I will do it. This would be “out of the normal system” or private pay. I usually pay €150 for a consult with specialist. I also went “private” for an MRI I needed quickly. I went to a clinic. It was €126. I had two total knee replacements here. I wanted to chose the doctor each time. I paid private to consult with him, then he put me in the system. I had the operation. It was totally free. There is a big difference in waiting times depending where your doctor practices.

So the difference is, if you go through the system, you get any doctor available i.e., no choice. And you have to wait, sometimes a year for a test. Although the colonoscopy was free my husband had to wait 11 months. If you are in any hurry then you go private and pay, or go private, pay and they put you into the system.

Going to our Doctor
There are no staff, no receptionist as this is all cost/overhead. But the doctors cell phone number is prominently posted for us to call anytime. We use WhatsApp to make appointments and get prescriptions filled with our doctor. We must manage our own health. I decide when to get blood work done and an EKGs. She gives me prescriptions for these tests which I take to the Farmacia. They are in charge of making appointments with other doctors for tests and procedures. After the tests they give the results to me and I have to take them back to the doctor who reads them and, if there is any problem, will tell me and we would discuss any actions that need to be taken. Quite different. Also, I have to retain all my records myself. Doctors do not keep files on individuals. So I bring all necessary tests and information when going to the doctor.

Italian Hospitals
For Americans this will take some getting used to. Hospitals are NOT at all like in the US. The buildings themselves can look pretty decrepit or modern, but the important things, like equipment and cleanliness are top notch. Think of it as a no frills approach to medical care. The care and results are the most important.

I’ve had the misfortune to have two knee replacements here. Two completely different experiences. First hospital was a large university medical center. I got good medical care but nothing more. The second  stay was a public/private hospital and it was great in comparison. The following links are the first of several for each stay. Scroll UP for the next episode.

First hospital stay
Second hospital stay

Many hospitals provide nothing for your stay. It’s on you to pack, and bring, a bag. Sometimes there is no drinking water provided, and (depending on the hospital) sometimes no toilet paper, you even have to bring your own cutlery, plate, cup and glass! For your personal self, bring a wash cloth, towel, water, soap, a basin, toothbrush, toothpaste etc. for clean up.

Once at the hospital don’t expect there to be curtains or privacy. I learned that (depending on the hospital) some nurses don’t help with basic things like bringing drinking water. Or ice. Or help to the bathroom. [for my FIRST stay] They do blood pressure, medications, IVs, take blood for tests, basic bed making and body wash. For anything else you would need a helper. A family member or friend. Odd but true. Different hospitals have different rules. Where I was, my roommate’s husband spent the night every night beside her bed. He had a folding bed. I saw other people carrying cots down the hall so it was common, actually expected.

And, of course, very few people speak English. It makes for a lonely time without being able to speak to anyone.

My second stay was in a private hospital. The government requires private hospitals to take a percentage of patients in the public health system. The experience was completely different from the first hospital. Great care. Full service. Water. Breakfast, lunch, tea, dinner. Good food. No curtains for privacy. I was there three weeks. Included was in-house PT for the recovery.

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Financial issues

American investments
When we moved to Italy we changed our investments address to our Italian one. DO NOT DO THIS. If you do, you will no longer be able to invest in Mutual funds, ETFs or bond funds. Nor will an advisor be able to help with anything related to investing. It turns out Italy is among a handful of countries that cannot be serviced or let you invest normally in your US funds. In hindsight I would have just changed the addresses to the Dropbox address. We rolled over from Fidelity to Schwab international. They also froze us out of our accounts as well a year after we rolled over our IRAs. Meaning we could no longer invest or rebalance our accounts. My advice…Just don’t tell them you’re living out of the country in Italy. Keep a U.S. address and phone number.

Bank accounts
Once you are residents be sure to change your Italian account to one as a resident. They really sock it to stranieri on fees.

I also highly recommend you keep a US bank account, and that they are used to international transactions. We use USAA. If you’re are eligible I recommend them. They are super.

FBAR and FATCA
Look into FBAR and FATCA rules for expats. You have to declare any bank balance here that goes over $10,000 during the year. So when we purchased the house and cars we obviously were above that amount. Report is due in April.

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TV, Netflix, movies, phones

Sign up with one of the companies that provide DSL into your house. This will give you Internet. Our part of Italy is a third world country when it comes to internet speeds. Big cities are better. It should be a consideration if you plan to live in the country and remote. You should look into options. Some people without line of sight to towers are completely without internet.

We stream movies but not in HD. It cannot be supported where we live. For movies and TV shows we use a VPN. It masks your location so you can pretend to be in the US. But Netflix just started cracking down on people sneaking into the US sites this way. Netflix is in Italy but it’s offerings differ to the US. Copyright rules I guess. But do keep your US account. And we have Apple TV which provides all the latest miniseries from the UK and the US etc. Of course you have to pay for them but we are really happy to have access.

We use Skye for satellite TV. We watch Italian TV to improve our Italian. There are some good game shows in the early evening that we love on RAI One. Tune in at 6:45. We get a lot of English language programs including news. We also get the History channel and NatGeo. These cost extra. I will mention, the costs for satellite TV are much cheaper than in the US.

When you arrive take your unlocked smart phone to one of the providers (TIM, Vodaphone…) and sign up for a plan. Then we buy minutes as needed. You can also purchase a phone and plan here. I am super happy with Iliad. My husband is less than happy with TIM and Vodafone.

I use Skype a lot especially to call 800 numbers in the US. It is the only way to access them from here. I also FaceTime with my friends.