Explore the Considerations and Requirements for Retiring to Italy from the UK!
For centuries, Italy has enchanted people with its unique culture, breathtaking landscapes and delectable cuisine. British retirees are particularly drawn to Italy’s relaxed Mediterranean lifestyle, world-class healthcare system and relatively affordable cost of living compared to the UK.
From the sun-soaked Amalfi Coast to the rolling hills of Tuscany, Italy offers a variety of stunning locations where your retirement can be spent in comfort.
Beyond its aesthetic and cultural appeal, Italy boasts excellent food, wine and a strong sense of community. The country’s deep historical roots and vibrant arts scene also attract those looking to immerse themselves in a stimulating and enriching environment. Furthermore, with a climate that ranges from Alpine in the north to Mediterranean in the south, retirees will have the flexibility to choose a region that aligns with their lifestyle choices.
In this blog, we’ll go through the different considerations and specific requirements, allowing you to begin your Italian retirement plans, the Easy way.
Table of Contents:
Why Do People Retire to Italy?
The Global Retirement Index 2025 saw Italy rank among the top European countries for retirees, which is unsurprising when considering Italy’s diverse landscapes and cultural richness. Retirees can choose between vibrant urban centres like Rome and Milan or tranquil countryside villages, like Alba or Camogli, which offer a much slower pace of life.
Italy’s culture is another major draw for UK retirees who can immerse themselves in world-famous art, music and architecture, enjoying everything from Renaissance masterpieces to contemporary art festivals.
The traditional Italian emphasis on family and community fosters a welcoming atmosphere, making it easier for retirees to integrate into local life. Additionally, Italy boasts an exceptional culinary heritage, with fresh and locally sourced food being a central part of everyday life. If you’re planning to retire in Italy, you will be able to enjoy a cuisine renowned for its health benefits, along with a variety of world-famous wines produced across the country’s numerous vineyards.
A Mediterranean Diet: The Health Benefits
Retiring and living in Italy will introduce people to the Mediterranean diet which comes with multiple health benefits. Another reason why people are considering Italy as a retirement option. Benefits include:
- Better sleep
- Reduced inflammation
- Increased lifespan
- Lower risk of heart disease (particularly in women)
- Lowered risk of Dementia
- Lower risk of prostate cancer
- Longer lasting vision
- Boosts mental health
The practical benefits of living in Italy, also make it an appealing choice for retirees. Public healthcare is of a high standard and British retirees can access it after obtaining residency.
With mild winters and warm summers, the climate in Italy also plays a significant role in attracting retirees. Here are the average temperatures in different regions in Italy throughout the year.
Can People from the UK Still Retire to Italy?
Since Brexit, retiring to Italy from the UK requires more planning than before, but it is still very much possible.
UK citizens no longer have the automatic right to reside in Italy as they did when the UK was part of the EU. However, they can still move to Italy through various visa and residency options.
Visa and Residency Options for Retirement in Italy
- Elective Residency Visa (ERV): This is the most common route for retirees. The ERV is ideal for non-EU citizens who have the financial means to support themselves without working. Applicants must prove they have a stable annual income from pensions, savings or investments.
- Long-Term Stay Visa: This visa is perfect for those who have alternative means of residence, such as joining family members who already live in Italy.
- Dual Citizenship: If you have Italian ancestry, you may be eligible for Italian citizenship, which would remove visa restrictions altogether.
Once you arrive in Italy, you will need to apply for a residency permit, known locally as a ‘Permesso di Soggiorno’, within eight days of arrival.
The Best Locations in Italy to Retire to
Italy offers a diverse range of regions that cater to every lifestyle. We’ve put together a list below of the best locations to retire to in Italy in 2025:
Abruzzo
Located in central Italy, Abruzzo is infamous for its picturesque landscapes that are reminiscent of Tuscany, but with properties that are much more affordable. The region boasts medieval hilltop towns, extensive vineyards, and a coastline along the Adriatic Sea.
If you’re concerned about getting around easily, public transport is efficient, with easy access to Rome via train and bus. The city of Pescara, the capital of Abruzzo, features an airport offering flights across Europe. Overall, Abruzzo's combination of natural beauty and lower living costs makes it an attractive destination for retirees.
Sicily
As the largest island in the Mediterranean, Sicily offers a warm climate, rich history and diverse natural landscapes. The island is best known for its affordable living expenses and welcoming atmosphere. The western side of Palermo, specifically the comune di Carini, is set to host a new University of Pittsburgh hospital opening this year which will further enhance healthcare facilities in the region. Sicily's blend of cultural heritage and modern amenities makes it a compelling choice for retirees.
Tuscany
Famed for its rolling hills, vineyards and cities like Florence and Pisa, Tuscany offers retirees a quintessentially Italian experience. The region is known for its art, architecture and unique food and wine. Although the most popular cities can be more expensive, many smaller towns provide a more affordable cost of living, without sacrificing the rich Italian atmosphere. Tuscany’s combination of natural beauty and heritage makes it a timeless choice for retirees.
Emilia-Romagna
Located in Northern Italy, the region of Emilia-Romagna is celebrated for its culinary delicacies, most famously Parmesan cheese and balsamic vinegar. The region offers retirees a high quality of life with a combination of bustling cities and serene countryside. The city of Rimini, a major Adriatic seaside resort, boasts nine miles of beaches and historical landmarks. With new flight routes, such as the one from London Gatwick to Rimini starting in April 2025, accessibility has improved, making it the perfect destination for retirees who are looking for a blend of culture, cuisine and coastal living.
Lazio
Home to Italy’s capital, Rome, the region of Lazio is rich in history, art and architecture. While Rome offers a vibrant living experience, the region is also home to quieter towns and coastal areas that provide a more relaxed lifestyle. The cost of living can vary here, with Rome being more expensive and suburban or rural areas offering more affordable options. Lazio’s central location makes it convenient if you wish to travel to other parts of Italy, and its diverse environments cater to a range of retirement preferences.
Main Considerations for Retiring to Italy
Let's now look at the main considerations for those looking to spend their golden years in Italy.
What is the Cost of Living in Italy?
The cost of living in Italy varies significantly depending on the region, with southern Italy generally being more budget-friendly than the northern parts of the country. Housing costs, including rent and property prices, tend to be lower in rural areas than in cities like Milan, Rome and Florence.
Groceries and locally produced goods, especially fresh fruits, vegetables and wines are more affordable than in the UK. Dining out is usually more affordable than in the UK, particularly in smaller towns where local trattorias offer high-quality meals at reasonable prices. However make sure to consider costs such as transportation, healthcare contributions and local taxes when budgeting for your move to Italy.
Healthcare Costs as a Retiree in Italy
Italy has an excellent public healthcare system which is consistently ranked among the best in the world. UK retirees can access it by registering with the Italian National Health Service, after obtaining residency.
If you’d prefer or have the need, you can choose private health insurance which works similarly to the UK and will give you faster access to specialists.
Average Healthcare Insurance Cost in Italy: €748 (£623)
Purchasing Property and Renting in Italy
Buying property in Italy is a relatively straightforward process. However we would advise you to hire a local real estate agent and a notary to ensure everything complies with local laws. Renting before buying is a popular option with retirees as they are able to test out a location before making a permanent move.
Adjusting to the Italian Culture
Italian bureaucracy can be complex, so give yourself time to become acquainted with it. However, the rewards of integrating into Italian society and enjoying the laid-back lifestyle make any adjustment time worthwhile.
Tax Requirements for British Retirees in Italy
Taxation is a crucial factor to consider if you are thinking of retiring to Italy. As a resident in Italy, you will be subject to taxation on your personal income, including pensions, rental earnings and investments.
The taxation system in Italy is progressive, meaning the rate varies depending on your total income.
Here are the key points to consider:
- Double Taxation Treaty: The UK has an agreement with Italy to prevent double taxation. This means your UK pension will generally be taxed in Italy only.
- Tax Incentives for Retirees: Some regions in southern Italy offer tax incentives to foreign retirees, such as a flat tax rate of 7% on foreign income.
- Wealth and Inheritance Taxes: Italy has lower inheritance tax rates than the UK which makes it an attractive destination for estate planning.
- Annual Tax Filings: Retirees must file an annual tax return in Italy, which could require details on foreign assets.
Summary of Practical Steps to Retire to Italy from the UK
1) Determine Eligibility
Ensure you qualify for an Italian visa. The Elective Residency Visa is the most common with UK retirees. At this stage, you should also verify any income requirements and plan for taxation and healthcare costs.
2) Apply for a Visa
Begin the application process for the Elective Residency Visa (ERV) by gathering the required documentation, including; proof of financial stability, a valid passport and proof of accommodation in Italy.
Submit your application to the Italian consulate in the UK, ensuring all forms are correctly completed and all necessary supporting documents are included. You should be prepared for an interview at the consulate and allow several weeks for processing time.
3) Obtain Residency and Register for Healthcare
Once you’ve arrived in Italy, make sure you apply for your residence permit at a local police station within eight days. You will be required to present your visa, proof of accommodation and financial means.
Once residency is granted, register with the Italian National Health Service at a local health office. This allows access to public healthcare services, though some retirees may also choose private health insurance for additional coverage and faster access to specialists.
4) Understand Your Tax Obligations
Register with the Italian tax authorities and ensure you comply with UK-Italy tax treaties.
5) Integrate and Enjoy!
Learn the language, embrace the local culture and start your retirement journey in Italy!
Retiring to Italy from the UK: A Summary
Retiring to Italy in 2025 remains an exciting and attainable prospect for British citizens, even with the additional administrative challenges brought about by Brexit.
While the process now requires more careful planning and adherence to visa and residency regulations, the rewards are well worth the effort!
If you're thinking of retiring and moving abroad to Italy, the team at EasyFX can help you manage your international finances along the way. From purchasing an Italian property to sending your pension into an Italian bank account, we can help you save time, and money, with competitive exchange rates.
For more information, create a free EasyFX account or get in contact with us today!
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