How we moved to Italy

Important message. [updated October 2021] COVID has made moving to Italy, if you aren’t already a dual citizen, more difficult. The Consulates are all different so some are, and some aren’t, processing Visa applications and citizenship applications. Some have said they are doing the processes virtually. People tell me they don’t answer their phones and don’t answer emails. This is not unusual for Italian bureaucrats. It is the same here. Best advice follow instructions on their website and wait. Keep trying to get through. If you can find a WhatsApp phone for them, try that. Italians like to use, and do reply to, WhatsApp.

You can gather your needed documents in the meantime, and you CAN do some research to decide where you will look. It is always nice to dream.
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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.

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 it’s 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 has just passed a law to allow this. Limited duration. See below for the probable requirements. It has not been implemented yet (as of August 2022). There is the possibility of a self employed Visa which would allow this. See below description.

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. 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. 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) At the end of March 2022 Italy passed a bill allowing Digital Nomad visas. This is for highly skilled professionals who will work in Italy for themselves or remotely for a non-Italian company.  The Visa will be good for one year with the possibility of extending for one more. As of this writing (April 22, 2022) the requirements have not been firmed up. What I read though, is that the individual consulates will have major discretionary powers, as to whether they issue or don’t issue a DNV. The applications will need to be completely bulletproof like those for the ERV. It may require the official recognition of one’s professional qualifications. An applicant may need to show an advanced degree, proof of operating in the field (probably for several years) for which they want to apply for the DNV, a tax return from their home country, and health insurance. It has already been announced that they will need to be completely tax compliant in Italy, so applicants are advised they should consult a tax expert in Italy, if they want to apply for this visa. I will update this as I learn more.
  • 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. In the past people would signup for Italian lessons at a accredited school and come in that way. That, however, is a thing of the past at many consulates. Too many people used this as a way to game the system.
  • “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. You must use the Consulate servicing your area of residence. We used the main Embassy in Washington DC. 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.
  5. Copies of our marriage certificate.
  6. Proof of enough income to live in Italy without working. It is hard to find actual amounts published. As of this writing (2019)  the LA Consulate says, “a single applicant must have a monthly income of a minimum Euro 2,596.60.” ($2,905 at this writing). Add about 20% for a spouse.
    https://conslosangeles.esteri.it/consolato_losangeles/it/i_servizi/per_chi_si_reca_in_italia/italian-elective-residence-visa.html.  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] 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 and highlight the pertinent information on them, 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 [see introductory note at top of page about Covid delays]. 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 took nearly 90 days. They must 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/

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! The Codice Fiscale is a personal number 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. 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 no MLS in Italy. Each agent or agency handles his or her own listings. 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 Brits working illegally as agents, or “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. A down payment is common when making an offer; it certainly is the only way to give the offer teeth. In Italy you can have the house inspected but it is not like in the US where things are contingent on the outcome.

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 rare.

It is important to trust and like your Realtor. Also, for us it was best if they were English speaking. Ours was British 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.

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. He is a cross between a Notary and an Attorney. 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 Transferwise. 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.

Car rental Pre-Residency
One expense you need to budget 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 30 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.

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!

Here are the links to sites with forms or information that is useful.

This is the Italy embassy information about bringing pets
http://italy.usembassy.gov/pet.html

This is the form that your vet must fill out – and the vet must be USDA certified.
http://www.aphis.usda.gov/regulations/vs/iregs/animals/downloads/it_no_com_pe.pdf

This is the USDA site
http://www.aphis.usda.gov/regulations/vs/iregs/animals/animal_italy.shtml
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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, then apply for the Permesso di Soggiorno, 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 (remain more than 90 days) 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.  Your Permesso will be for five years. The application will be made directly to your Questura, unlike those who come in on a Visa (see below instructions). After 3 years you can apply for citizenship through your spouse. It will take about four years to get it after you apply.

To apply for the PdS if you enter in 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.
  • 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 Marco 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 they schedule your appointment at the Questura (times vary with where you are. From 3 weeks away to 6 months) and give you a receipt (do NOT lose the receipt! Very important!).
  • At your appointment with the Questura (Immigration police). You will need:
    • Your passport 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’s good for 6-10 months 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 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 – 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. Travel by train or car is not a problem because you won’t pass through a border control checkpoint.

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 hotels, etc rather than showing your passport. You cannot fly 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 long term permit to stay here. 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. 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. We have not yet reached that point so I don’t know how one does this yet. We don’t intend to get citizenship if we can get the Permesso lungo periodo.

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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? 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, eight 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, Campagna (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:

  1. “physical presence”. If you are physically in Italy for 183 days in a fiscal year you will need to file and pay.
  2. If you have an established abode, which classifies you as a resident
  3. If you are considered domiciled in Italy by establishing a center of interest and business
  4. If you are registered in the records of any town or municipality as an Italian resident.

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.

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 10 years. The regions are, Abruzzo, Molise, Puglia, Basilicata, Campagna, 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 .76% 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 in Italy.

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). We 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.

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 old building 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 which is added to your electric bill every year. [2022, I heard this may change]

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 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, they can buy a car. 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. If you can join USAA they insure cars for Americans. USAA has good responsiveness in the event of an accident. You’d need to be a veteran or descended from one who was a member to join.

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 74 horsepower, for the first year. 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 or 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.

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.

But for normal people…after the first year here you must take the Italian test. It is only given in Italian unless you are in a region that abuts a German or French border. Then it is given in German or French, and Italian. 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 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 getting through over 7,000 possible test questions. 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.

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 74 horsepower, for the first year. 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 a year, and then sell it back at the end.

Italian medical system
If you are an Italian citizen or married to one you get your medical care for free. If you are an immigrant you must pay unless you work. Here is the latest information on payments. This information is from www.doctorsinitaly.com:

“Currently, the annual contribution is €387.34 for an annual income between 0 and €5165.00. The rate (“aliquota percentuale”) for an income exceeding €5165.00 and up to €20,658.28 is 7.5% rate, while it’s 4% for amounts exceeding €20,658.28 and up to the limit of €51,645.69.

Without regard to the gross income, the amount of the contribution cannot be less than €387.34 or higher than €2.788,86 with the currency exchange rate applicable at the date of the application.”

This said, it varies from region to region how much they charge. Quite a few just charge the minimum without a proof of income. Impossible to find out unless you know someone in your target area. Welcome to Italy.

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 at the post office and bring the receipt back. 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. 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 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, 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, 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 or bond funds. Nor will an advisor be able to help with anything related to investing. In hindsight I would have just changed the addresses to the Dropbox address. After a lot of research we found out that Schwab has a British presence and will service investment accounts for Expats. This recently changed. Americans living abroad cannot invest in Mutual finds, ETFs, or stocks at any brokerage. Let me know if you know different. Just don’t tell them you’re living out of the country!

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 your are eligible. 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.  After all our big purchases were made we try to keep less than that in the account so we won’t have to file.

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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.

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 recently came into Italy but it is woefully meager in its offerings. 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.

75 thoughts on “How we moved to Italy

  1. Nancy Hampton Post author

    Emma, I should change this to say €3000 for an individual plus around 20% for a second person. these amounts are not set in stone- the agent at the consulate has full discretion to accept or deny you. so make yourself pleasant

  2. Emma Kaye

    Thanks for the information, Nancy. Very helpful — I;ll look into those options. And I’ll let you know how it goes!

  3. Nancy Hampton Post author

    Hi Emma, My husband was not receiving social security when he got his. Neither of us had pensions. The thing you need to show is steady, passive income, month after month. Bank statements and letters from the source of the income will show the proof. We took a large chunk of our IRA savings and created annuities from it. My husband also set up bridge payments from one to get him to social security. If you’ve got 401 savings you could do this as well. Some people rent out their US house rather than sell it. The rental income is considered passive income. Somehow you’ve got to show around €3,000 a month in passive income. Savings are not considered since you could go to Vegas and lose it all. . . annuities, pensions, social security are forever.

  4. Emma Kaye

    Hello, Nancy.

    Thanks so much for the detailed information (and the sense of humor about it all). I would like to apply for an ERV, but I am stopped in my tracks by the requirement of Social Security, pension, or annuity income. I have sufficient means of support (IRAs, 401K, savings, etc.) but I do not have an employer-controlled pension and I am too young for Social Security benefits. The LA Consulate web site says specifically that they will ONLY look at Social Security, state pension, or employer pension for the minimum required amount; other consulate web sites are a bit more vague, but they all mention pensions and annuities. I have been researching for weeks, but can’t find any instance of an ERV being granted to someone who was not yet receiving Social Security. Have you heard of anyone who has? Thanks!

  5. Nancy Hampton Post author

    Hi Genevieve, thanks for saying that! I hope you can follow our path. 🙂

  6. Genevieve Raymond

    What a generous gift you have given to all of us hoping to follow in your footsteps some day!

  7. Nancy Hampton Post author

    Hi Ralph,
    I suppose you have a Visa and have been getting Permessi di Soggiorno? If you don’t want to try for the long term visa you can just keep on renewing the Permesso. It won’t impact your ability to live here as long as you are keeping up your permits. I will say, we take all our lessons on Skype and have done so throughout Covid. I recommend it. You should try to learn the language if you live here. And it keeps your brain young!! Email me and we can talk further..email in Contact page

  8. Ralph Edwards

    We have been in Italy for almost 4 years next year we will need to get long term residency but our Italian language skills are weak as we could not go to schools because of Covid it’s not a problem with locals but I don’t think I could pass a test do you know what happens if we can’t pass we purchase a home and land so don’t want to get in a bind

  9. Nancy Hampton Post author

    Hi Rebecca, it might be easier if we conversed via email. I have yours here so I will send along my reply. But short answers, yes, your husband will apply for residency as an Italian and then you’ll apply for your Permesso di Soggiorno motive familiare. And if you become a citizen you won’t be taxed by Italy unless you become a tax resident. No worries there. Watch for an email.

  10. Rebecca

    Nancy, this is THE most comprehensive guide to the minutiae & logistics of moving to Italy as an American, thank you! I’m sure I’ll be referring back to it many times as my own process inches forward.

    My husband & his siblings are in the process of obtaining citizenship through a 1948 case. If successful (& their lawyer is quite confident), our kids will all receive citizenship, as well. I’ll obviously have to apply as his wife, which seems like it will go faster if we are residing in Italy during the process? But it also seems that residency is relatively easy to acquire if married to an Italian citizen, correct?

    One question about taxes – you write: “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.” Is that true for dual citizens who are *not* residing in Italy?

    My sister in law is going through with the dual citizenship application even though she has little interest in spending extended time in Italy – she’s mostly doing it as a backup or a convenience. But I think she’d want to know if it means her retirement will take a substantial hit.

    Thanks in advance!

  11. Shelli Joye

    Dear Nancy,

    We have been married for almost 20 years and are both retired.
    We just finalized the Procura on our new home in Umbria.

    My spouse has a good retirement income but mine is only my monthly Social Security income of $ 1500, which is much less than the “individual requirement.” But together our retirement income is almost $ 6,000 a month. How should I fill out my VISA application, since they have to be done individually. Will there be a problem when I declare my paltry individual income? Is there a way to overcome this problem, and somehow delclaring our joint income amount on one or both of the VISA applications?

    Thank you very much. You may write to me at my email if you like: shellijoye@me.com

    All the best, and thank you for your information blog/efforts!

    Shelli

  12. Scott Cruickshank

    Hello Nancy, could you please send me your answer to Brian’s post from January 2022? We are having the exact same problem and would love to know what you had to say. Many thanks! 🙂

  13. Brian

    Hello Nancy,

    I want to complement you on providing such extensive and valuable information about moving to Italy. It really helps. We are a couple that is retiring this year and planning to move to Italy. We bought a house on a lake Como and now are working on obtaining the ER visa. I have appointment in two month to the consulate in NY and have few practical questions, which I hope you will be willing to answer.

    1. Everybody says that all consulates are different. I could not yet find anybody who would blog or write about ER visa experience in NY consulate. I just heard they are tough. If you have any links, can you please share.

    2. Before reading your post I understood that since we are applying as a married couple, I need to have one appointment where we arrear together, fill two applications, have one letter explaining the reason and one set of financial documents, where we provide our combined sources of income, because from what I read, the married couple requirements are about 38,000 EU, which is quite less than double of single requirement of 32,000EU. However you write that each applicant need to have a separate appointment. Can you please elaborate on this and share technical details about the documents: do you need completely different sets where each applicant includes only individual sources of income or make one combined set that is used in both applications?

    3. As you were compiling the information for your blog from different sources, did you get a feeling how much more than the minimal financial requirement they want you to have for a successful application? Can you please share your understanding and maybe some sources that discuss that issue?

    Thank you so much for the time you spend on making this blog so valuable and hope to read your answers. You may write to my email, if you want.

  14. Julie Wade

    Hello Nancy, I must congratulate you on your thorough information regarding PdS and residency. For the past 3 years my husband and I have lived in Emilia Romagna, retired on the elective visa. I have a query like Richard in that I want to return to Australia for more than 6 months helping out my elderly parents. Trying to find out answers is so difficult. Do you have a link or information on what I can or can’t do? Much appreciated.

  15. Nancy Hampton Post author

    Hello Valerie. Are you coming in a Visa? Maybe my page isn’t clear enough. To get a Visa to live here you will need to purchase a health insurance policy to cover you until you are a resident here. Depending on which Visa you get you will get on the Italian health system after you’re here. If you’re a citizen you can get on it right away. If you are working with a visa to work your employer will provide access to the Italian health system. If you retire here on the ER Visa you need to obtain the Permesso di Soggiorno, then obtain residency, then you can apply and pay for insurance. Please email me if you want to chat nancy22314 at yahoo dot com.

  16. Valerie

    Thank you for sharing your experience! We are moving to Milan in the next few weeks and we are excited and terrified at the same time 🙂 You said you need to have the health insurance already before applying for the Permesso di Soggiorno? But I thought you need your residence permit to apply for the health insurance. I’m a little confused which one I need to do first. Thanks in advance for your help!

  17. Nancy Hampton Post author

    It’s a little complicated, Richard. I will send an email. Keep an eye out for it.

  18. Richard A Bulcroft

    This is soooo helpful! Thanks. I have a question, however. If I own a home in the US and live in italy on an elective residency visa with a year+ lease in italy, can I live more than 180 days in the US (less thsan 183 days in Italy) in order to avoid Italian taxation on my retirement funds and income? Is there any travel restrictions on the elective residency visa that would prohibit this????

    Thanks!

  19. Nancy Hampton Post author

    Thank you so much Bob. When we were first starting I had a very hard time finding information as you did. So I decided to try to compile everything together in one place that we have learned. I also have had much input from others so I cannot take complete credit. I’ve incorporated their info into this page too. You are right that it is hard to give advice because each consulate, and each region here, vary greatly. This makes it very hard to give concrete advice. This very fact is just another part of the learning process that is moving to, and living in, Italy. Again. Thank you.

  20. Bob Smith

    Hi Nancy, I just wanted to complement you on the wealth of information you’ve provided here. We got our first PdS in 2013 at which time no information like this at all was available. We “trail-blazed” the whole process. Fortunately the Visa and PdS document requirements and the processes themselves for us were less demanding than yours. But I’ve found from my research over the years that the requirements and operations in each consulate in the US as well as those in each region’s questura can vary immensely. This makes it difficult to document a one-size-fits all process for all of Italy, as you pointed out several times. However, I think you’ve done about as good a job as can be done in this regard.

    Again, my complements on the time and effort you’ve invested to provide an abundance of very useful information.

    Bob Smith

  21. Nancy Hampton Post author

    hi Maria, it is a rather involved process. the good news is that once you get your citizenship things will be much easier for you than for us! all the best!

  22. Maria

    Thank you Nancy! I have been considering moving to Italy since a large portion of my family has moved back there. I never realized how entailed it was. Your post opened my eyes! I better get started on my citizenship papers right away!
    Thanks again for all the helpful information!!!

  23. Nancy Hampton Post author

    Hi Annette! Thanks for the complimenti. When we moved here nearly 7 years ago we had a hard time finding information so I started this page. I add to it when I learn a new thing, or if someone sends me a correction or addition. Nowadays more and more people want to move here and they post questions on the Facebook groups, so I find it handy to post a link so they can learn all about the endeavor. Many people do no research at all, and don’t really understand it is a BIG undertaking to move here. I’m always surprised how many people are suprised that Italy has rules…😳 I am a slow learner so Italian is hard for me. But I’m going to keep studying. I wish I’d learned as a kid myself! BTW, I adore Como…but who doesn’t! Someday this damned virus will let us travel again…ciao.

  24. Annette Briner

    Wow! Complimenti Nancy! Stumbled on the link scrolling through Americans in Italy group. I am a dual; we own a place north of Lago di Como 5 minutes from my relatives. Hopefully will be spending more time there after Covid and in retirement. Enjoyed reading your detailed account and your personal take on moving! I loved your take on learning the language and I couldn’t agree more. I fortunately learned Italian as a child during my summer stays in Italy with the nonni.

  25. Nancy Hampton Post author

    Absolutely, it is why I mentioned unscrupulous landlords on my page. And that they try to evade taxes by not registering the lease. Plus the lessor has none of the protections afforded renters in Italy.

  26. Philip Atkinson

    Landlords have to pay tax on rental income so the tax people want to see the rental contract. There is a lot of swindling with illegal rental contracts. It is important that the rental contract is legal and registered with the Agenzia delle Entrate.

  27. Nancy Hampton Post author

    Thank you Phillip. I am no expert on leases. I just know they need to be registered to get a Visa to come here. I have friends who registered theirs and I’m pretty sure the Commercialista handled it for them. I will amend the entry.

  28. Philip Atkinson

    Rental property contracts are registerd with the Agenzia di Entrate and not the comune. I posted a link to this page on the British Expat site and Modicasa pointed out the error. Modicasa is normally correct.

  29. Cindy Morton

    What a trove of fabulous information. Thank you so much. Working on my son’s dual citizenship…I will apply for the long term residency eventually. Looking to buy in Abruzzo, Molise, or that general area…where my son’s distant relatives are. Keeping your information to re read as needed. Awesome. Grazie mille

  30. Nancy Hampton Post author

    Hi Suzanne, if you get your citizenship that will greatly reduce the bureaucracy you’ll have to deal with. So that’s a great thing. Living in another country, and culture, can be challenging. It can also be exhilarating. Every, tiny thing you do becomes (depending how you look at it) terrifying, or exciting. Going to the grocery store, the post office, the pharmacy. All very different experiences from home. Visiting will help you know how you will handle it. My email is on the contact page on this site. Feel free to email me. 🙂

  31. Suzanne Scarpulla

    Thank you for sharing! I’m in the process of hopefully getting my Dual citizenship and would love to live in Italy 🇮🇹 Looking to come next October for a research trip on locations. Umbria, Abruzzo, Campobasso and Puglia.
    As you’ve described it seems challenging to get to live in Italy. Is it more than just learning the process and speed of another country? I’m definitely going to be scared! But like they say everything worthwhile is scary at first!!
    Sincerely
    Suzanne Scarpulla

  32. Marijo Sanson

    Thank you for all this great information! I plan to retire to Todi,Umbria in four years.

  33. Nancy Hampton Post author

    Hi Elena. I’m happy you find my blog helpful. When we moved there were hardly any blogs and I was obsessive about reading anything about it too. So, I made the page “so you’ve decided to move to Italy” to help others. It is constantly evolving and I use input from others. I love Umbria and I love that it is easy to get to, close-ish to Rome and Florence with the good airports, and easy to travel from. I also love the traditional quality of life here. It is still close to the old Italy and values that we all treasure and love. I don’t know Molise. It is considered the “south”. It is probably less expensive than Umbria by a bit. Umbria is not expensive. But we have good health care here and the infrastructure is good. Not sure about Molise so you’d need to research it. Health care is important when you’re retiring here. Thanks for the nice comment. Good luck!

  34. Elena Ruiz

    Ciao from Philadelphia Pa. I don’t know what luck was bestowed on me to find your blog. It’s the most thorough and helpful piece I’ve read in a long time (and I’m obsessed with reading everything about moving to Italy). I have also paid for a course that told me much of the same information (not complaining it is a good group). My husband and I want to retire in a year or two. I’m trying to convince him to consider Italy. I’m have a JS appointment in October, if all goes well I should have citizenship with in 18 months.
    The regions I am considering are Umbria (because I love its beauty) and Molise (because it’s where my Paternal side come from). I’m looking forward to going back and reading your other blogs. That’s for taking the time to share your experience. Kind Regards Elena Ruiz

  35. Nancy Hampton Post author

    Thanks Nicole! The Moving to Italy was kind of a labor of love and evolved over a few years. When we moved here there wasn’t much info out there and few blogs, unlike now! So I got the idea to summarize what we’ve learned all on one page to make it easy to find to help others who want to come.
    It seems your best route would be for your husband to get his citizenship reinstated. there is a FB group that specializes in helping people do this and since he once had citizenship I’d think it would be not too hard to get it back. It’s listed on my page. anyway, my email is on the Conyact page so feel free to email any questions…stay safe.

  36. Nicole

    Dear Nancy, this is one of the most thorough, thoughtful, and useful information I have ever seen compiled! My husband is from Calabria and we still have his parents home there. We come to work on the house & stay usually about a month +. Our plan is to stay 3-4 months once we semi-retire, more if we want. My husband’s father released both sons Italian citizenship when they were both boys…he is thinking of getting it back but it is a challenge. Thus, I cannot obtain dual citizenship via marriage. My grandfather was from Calabritto but we have no records of his available so it would be near impossible for me to go that route. Either way, you have provided some incredibly helpful advice on questions I have had. While we are there every year and my husband grew up there there are still things neither of us truly knows. Thank you so much for the obvious time you have spent putting this info down in a easy to read layout.

  37. Pingback: So You've Decided to Move to Italy - Expats Italy

  38. Nancy Hampton Post author

    Thanks Roger. So many people want to come but don’t understand the ins and outs of a move here. In fact many Americans seem to think they can just move willy nilly anywhere in the world. They need to think about our own country and the difficulties for immigrants especially right now. Why wouldn’t Italy have rules to restrict people like us from the US from coming?

  39. Roger Sparks

    Great information, Nancy, and a valuable resource for someone considering a move, which I am next year. I very much appreciate the time and effort you obviously have taken to do it.

  40. Nancy Hampton Post author

    Hi. There are many ways to make Italy part of your lives. It is a difficult bureaucracy to negotiate. And you need a lot of patience. Americans tend to want things done now, and on schedule. It is our way! But it is definitely NOT the Italian way . So it frustrates. I think coming for 90 days and going back for 90 then returning as often as you want will be plenty and there’s no real red tape. Owning a home does have a few of it’s own issues, like property tax and trash tax and utilities. But that’s about it. Hope you enjoy your home.

  41. Yvonne

    You have amazing detail. Thank you. We just bought a home in Abruzzo but we do not plan to live there full time. After reading your information, I am not sure we have the energy to ever make a move. It does seem like there are road blocks and blindsides everywhere not to mention the need to speak the language. I appreciate just being able to go there for a few months and then return back to the US. If we ever do decide to make the move, I will refer back you your info. I read your blog frequently!

  42. Nancy Hampton Post author

    Hello John. Insurance is expensive here too. I think buying a travel policy will be your best bet. But I do have the following info. I don’t have personal experience with this person but recently a group was formed for a group policy here. The enrollment time is past but there could be something in the future, or you could just contact them. They have English representatives I am told.

    Niccolò Dell’Olio
    Agenzia Porta Romana
    V.le Aleardo Aleardi n. 1r
    50124 Firenze
    tel. 055 223724 fax 055 2335141

  43. John Waters

    Hi Nancy: I will be applying for an elective BVisa and will have to get Heelth Insurance. Can you recommend any Italian companies that have some english speaking support? I am U.S. citizen, 73 years old and International companies that sell this tupeof insurance are very expensive. A local Italian company would be much less expensive.

  44. Nancy Hampton Post author

    Thanks Tony! In just the few years since we came there is a lot of information out there now. But I remember struggling to find sources. So I decided to write all ours down in hopes of helping others who are coming. And the blog itself is more for me than anything. It helps me remember and re-live it all. Feel free to ask me if you ever need anything. My email is on the Contact page.

  45. Tony Melançon

    Thank you for the amazing information here! All the details, steps and red tape you cover is truly valuable to anyone considering/planning to move to Italy!

  46. Nancy Hampton Post author

    Hi Ilene, always happy to help someone contemplating what we did. A big adventure. My email is on the Contact page for easy way to reach me. Nancy

  47. Ilene Modica

    Wow, Nancy – just found your site. Great information and things we will need to know shortly. We are on a one-year adventure through Italy after getting our citizenship late last year. Will be in touch for additional information I am sure. Thank you! ouritalianjourney.com

  48. Nancy Hampton Post author

    Hello Margaret. I’m not an expert but I can say the Italians do tax the unrealized income on your 401(k) accounts. In other words, it is money that is accruing on the accounts that you have not actually withdrawn. In the US you arent taxed until you take the money out. This is a difference here. As for your US real estate. I assume you would still pay your State real estate property tax on it while living here but No the Italians do not tax your US real estate. They only tax your worldwide income to include the 401(k) as mentioned above. You are also only considered a Resident of Italy if you physically reside here for 183 days in a year. This makes you a Resident. That said, whatever you pay here you can deduct from any taxes you may owe in the US, so you should not have to pay any taxes in the US.

  49. Margaret Devlin

    Thank you so much!! This is very valuable information. Can you explain more about a U.S. 401K being taxed? Also if we keep our real estate in the U.S. is that taxed in Italy? That seems to be a major downside…..

  50. Nancy Hampton Post author

    True, you do have to search. Before I moved there was little information at all on the internet for US citizens to move here. Much more now. I hope my page helped!

  51. Sue

    Brilliant info here, very helpful even if we’re moving from the UK not the States. Thank you !

  52. rynato

    This is interesting, thank you. There is a great deal of information out there regarding all the issues involved with moving to Italy, but it’s scattered; more than a little is either fragmentary or outdated or both; and a good portion of it addresses issues specific to certain nationalities.

  53. Nancy Hampton Post author

    Thanks David! I always hope what I write will help folks who want to move here. But I also write this for myself as a chronical I can go back to if I want to remember something. All the best!

  54. David Zarko

    What a wonderful resource, Nancy! Thank you for being so detailed and well-organized. I live in Orvieto (first year on ER) and am passing this link on to friends who plan to stay a year starting September. Buon anno!

  55. Nancy Hampton Post author

    Hi Vanessa,
    We flew United from Dulles to Rome. We wanted nonstop to shorten the trip for them and this was the only option. We carried the cats onboard with us. I’ve also heard Lufthansa is extremely animal friendly for folks putting their pets in the hold.

  56. Vanessa

    Thank you for taking the time to detail your transition into Italy. Could you please tell me which airline you flew with your cats?

  57. Nancy Hampton Post author

    I’ve been reading your blog and following your progress. I will add this to my ER information. I find it interesting that they want to know your motivations. I wonder how many require this. The Italian Embassy in DC which we used did not.

  58. Raymond Setzer

    This is such a good resource. With our ER application, the Chicago consulate included in their list of document a letter explaining why we wanted to live in Italy. 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 it Italy, that would be a good point to emphasize. Family and the connections between people resonate within Italian culture.

  59. Nancy Hampton Post author

    I’d sure like to know! I’m thinking a lot of it is taxes. For sure the taxes on energy make our bills and gasoline high.

  60. Carlo Rodriguez

    You know, it’s interesting how you’ve found some things like satellite TV less expensive and other things relatively expensive. I’m sure there an underlying reason but it’s certainly not obvious. Oh well.

  61. Nancy Hampton Post author

    Not as slender as when I arrived here sorry to say! Glad you liked the page. I have updat d it since the post so check back.

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