News Releases

EU-SILC 2025: Main Dwellings

NR 086/2026
Release Date: 13 May 2026

Starting with the 2024 EU-SILC wave, a methodological refinement was implemented to better represent the resident population by citizenship through separate calibration of Maltese and foreign residents. This recalibration allows, for the first time, the dissemination of selected key indicators for both the total population and Maltese residents separately.

Given that this methodological refinement is currently restricted to recent EU-SILC waves, comparisons between data published in this release and those pertaining to pre-2024 surveys should be made with caution. Further methodological information is provided in the press information notice published on 30 March 2026.

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  • According to EU-SILC, during 2025, 4.7 per cent of all those living in private households lived in overcrowded households. There was an increase of 1.0 percentage point when compared to EU-SILC 2024.
  • Home ownership was the most common type of tenure status in 2025, with 65.9 per cent of all households owning their main dwelling.  This share stood at 84.6 per cent for the Maltese households.
  • Housing costs were perceived to constitute a heavy burden for 24.3 per cent of all persons living in private households.
  • With prevalence of 35.7 per cent and 34.2 per cent respectively, pollution, grime or other environmental problems, and noise from neighbours or from the street, were the most significant housing concerns.

EU-SILC 2025: Main Dwellings

EU-SILC 2025: Main Dwellings

NR 086/2026
Release Date: 13 May 2026

Starting with the 2024 EU-SILC wave, a methodological refinement was implemented to better represent the resident population by citizenship through separate calibration of Maltese and foreign residents. This recalibration allows, for the first time, the dissemination of selected key indicators for both the total population and Maltese residents separately.

Given that this methodological refinement is currently restricted to recent EU-SILC waves, comparisons between data published in this release and those pertaining to pre-2024 surveys should be made with caution. Further methodological information is provided in the press information notice published on 30 March 2026.

The European Statistics on Income and Living Conditions (EU-SILC) survey 2025 reported that 4.7 per cent of persons in private households lived in overcrowded dwellings.
shutterstock 774997261

EU-SILC is an annual panel survey that collects information on the income and living conditions of private households in Malta and Gozo. In 2025, a total of 4,317 households were interviewed.

In 2025, 67.0 per cent of all inhabited dwellings in Malta and Gozo were either apartments or maisonettes, while 30.0 per cent were semi-detached or terraced houses. Results show that the largest proportion of main dwellings (36.2 per cent) contained 5 rooms (refer to methodological note 5a). This was followed by 23.1 per cent of main dwellings which were composed of four rooms, and a further 20.0 per cent had six rooms (Tables 1b and 2b).

Home ownership was the most common type of tenure status in 2025, with 65.9 per cent of all households owning their main dwelling. Of these, 47.2 per cent were outright owners, meaning that they  either never had a mortgage on their main dwelling or repaid their debt in full. A higher share of homeowners was registered among households with dependent children, at 75.9 per cent, as opposed to households without dependent children, at 62.2 per cent. A different trend was observed among rented main dwellings, whereby 34.1 per cent of households were without dependent children. On the other hand, 21.4 per cent of households renting their main dwelling had dependent children (Table 3b).

Disaggregating the data by citizenship reveals that 84.6 per cent of Maltese households owned their main dwelling, demonstrating a lower tendency to rent.  Furthermore, a quarter of the Maltese households that owned their main dwelling were servicing a mortgage on their residence.  (Table 3b).

The overcrowding rate is defined by the number of rooms available in the household in relation to the household’s size and other demographics (refer to methodological note 5c). According to EU-SILC, during 2025, 4.7 per cent of all the persons living in private households lived in overcrowded households. This share stood at 3.9 per cent for persons living in Maltese households (Chart 1).

Notes:

  1. Refer to methodological note 6 for details on methodological changes implemented in the EU-SILC following the 2021 Census of Population and Housing.
  2. Refer to methodological note 7 for details on break-in-time series.
  3. Figures for EU-SILC 2024 have been revised.

Housing costs were perceived to constitute a slight burden for 52.8 per cent of all persons living in households. A further 24.3 per cent considered housing costs to be a heavy burden, while the remaining 22.9 per cent did not perceive any burden at all (Table 4, Chart 2). The prevalence of persons who perceived housing costs to be a heavy burden varied significantly by household composition, whereas fluctuations were less pronounced when disaggregated by dwelling size and typology.  Furthermore, the prevalence of persons at-risk-of-poverty or social exclusion (AROPE) who perceived housing costs to be a heavy burden stood at 34.0 per cent. (Table 5).

Notes:

  1. Refer to methodological note 6 for details on methodological changes implemented in the EU-SILC following the 2021 Census of Population and Housing.
  2. Refer to methodological note 7 for details on break-in-time series.
  3. Figures for EU-SILC 2024 have been revised.
Select Level:
Chart 3a. Household distributions by tenure status

Notes:

  1. Refer to methodological note 6 for details on methodological changes implemented in the EU-SILC following the 2021 Census of Population and Housing.
  2. Refer to methodological note 7 for details on break-in-time series.
  3. Figures for EU-SILC 2024 have been revised.
Select Level:
Chart 4a. Distribution of persons living in households that are severely materially and socially deprived by perceived financial burden of the total housing cost: 2025

Notes:

  1. Refer to methodological note 6 for details on methodological changes implemented in the EU-SILC following the 2021 Census of Population and Housing.
  2. Refer to methodological note 7 for details on break-in-time series.

For 35.7 per cent of the population, environmental disturbances encompassing pollution, grime, or other environmental problems, constituted a primary housing concern. Noise from neighbours or from the street, was the second most prevalent issue experienced by a further 34.2 per cent of the private household population (Chart 5).

Housing problems – % of respondents

Notes:

  1. Refer to methodological note 6 for details on methodological changes implemented in the EU-SILC following the 2021 Census of Population and Housing.
  2. Refer to methodological note 7 for details on break-in-time series.

Tables

Tables

Starting with the 2024 EU-SILC wave, a methodological refinement was implemented to better represent the resident population by citizenship through separate calibration of Maltese and foreign residents. This recalibration allows, for the first time, the dissemination of selected key indicators for both the total population and Maltese residents separately.

Given that this methodological refinement is currently restricted to recent EU-SILC waves, comparisons between data published in this release and those pertaining to pre-2024 surveys should be made with caution. Further methodological information is provided in the press information notice published on 30 March 2026.

Methodological Notes

1. The main scope of this survey is to enable the compilation of statistics on income distribution, relative poverty, material deprivation and social exclusion. This survey has been carried out in Malta since 2005, under European Regulation (EU) No. 1177/2003. This Regulation establishes criteria which ensure the production of high quality and harmonised results at European level. As from 2020, EU-SILC started to be carried out under a new regulation: Regulation (EU) No. 2019/1700 of the European Parliament and of the Council of 10 October 2019 establishing a common framework for European statistics relating to persons and households, based on data at individual level collected from samples.
 
2. This survey has been carried out in Malta since 2005 and is carried out annually by all European Union Member States under a European framework regulation that came into force in 2004. Consequently, all work related to the SILC survey is coordinated by Eurostat which, in particular, provides guidelines on the methodology that is implemented.
 
3. In 2025, the gross sample size was 5,405 households. Of these, 3,682 were old households, and 1,723 were new households. Among the new households and the old households that reported a change of address (either due to a split or moving to a new location), a total of 177 households were ineligible for the survey (i.e. addresses that did not actually exist, could not be located, non-residential address, or permanently vacant dwellings). Among the old households that reported no change of address from the previous wave, a total of 320 households were ineligible for the survey (i.e. entire household moving to a collective/institutional household outside the country, death of all household members, households containing no sample persons, or lost households). Consequently, 4,908 households were eligible for the interview. Of these, 4,317 households completed the survey, resulting in a household response rate of 80 per cent. These households comprised 10,070 residents, of whom 8,743 were aged 16 years and over.
 
4. The population figure used to gross up and to calibrate EU-SILC data refers to one calendar year prior to the survey year. Consequently, the population in EU-SILC 2025 refers to the number of persons living in private households as at end of 2024 which was estimated at 563,956.
 

5. Definitions:

5a. A room is defined as a space of a housing unit enclosed by walls and with a ceiling, of a size large enough to hold a bed for an adult (four square metres at least) and whose height is at least two metres.

Number of rooms in main dwelling include: kitchens, bedrooms, dining rooms, living rooms, study rooms and habitable cellars/basements and exclude: garages, kitchenettes, corridors, box rooms, verandas, bathrooms, showers, utility rooms (e.g. washrooms) and rooms used for business only. 

 
5b. A person is defined as a dependent child if s/he is:
 
● under 18, or;
● 18-24 years old and is economically inactive and living with at least one parent.
 

5c. The overcrowding rate is defined as the percentage of the population living in an overcrowded household.

A person is considered as living in an overcrowded household if the household does not have at its disposal a minimum number of rooms equal to:

– one room for the household;
– one room per couple in the household;
– one room for each single person aged 18 or more;
– one room per pair of single people of the same gender between 12 and 17 years of age;
– one room for each single person between 12 and 17 years of age and not included in the previous category;
– one room per pair of children under 12 years of age.

5d. The total disposable income of a household is calculated by adding:

– Gross employee cash or near cash income;
– Gross non-cash employee income (only company car and associated costs included);
– Gross cash benefits or losses from self-employment (including royalties);
– Unemployment benefits;
– Old-age benefits;
– Survivors’ benefits;
– Sickness benefits;
– Disability benefits;
– Education-related allowances;
– Income from rental of property or land;
– Family/Children related allowances;
– Social exclusion not elsewhere classified;
– Housing allowances;
– Regular inter-household cash transfers received;
– Interests, dividends, profits from capital investments in unincorporated business;
– Income received by people aged under 16;
– Income received from individual private pension plans.

and deducting:                           
– regular inter-household cash transfers paid;
– tax on income;
– social insurance contributions.

5e.  Equivalent household size is calculated according to the “modified OECD” equivalence scale which gives:

– a weight of 1.0 to the first adult;
– a weight of 0.5 to any other household member aged 14+;
– a weight of 0.3 to each child aged under 14.

The resulting figure, which is the sum of these weights, is attributed to each member of the household.

5f.  Equivalised disposable income (referred to also as national equivalised income) is defined as the household’s total disposable income divided by its “equivalent household size” as defined in Methodological Note 5e) thus taking into account the size and composition of the household, and is attributed to each household member. For example, a household with two adults and two children aged less than 14 would have an equivalised household size of 2.1, which is calculated as follows:

● First Person = 1;
● Every other adult (14+) = 0.5; and
● Every child (less than 14) = 0.3.
 
If the total disposable income earned by the household is €20,000, then the household equivalised income would result in (€20,000/2.1) = €9,523.
 
5g.  The at-risk-of-poverty threshold is also referred to as the at-risk-of-poverty line or, simply, the poverty line. This is equivalent to 60 per cent of the median national equivalised income of persons living in private households.
 
5h.  Material and Social Deprivation:
 
In 2017, a set of new Material and Social Deprivation (MSD) indicators were adopted by all the European Union (EU) Member States (Guio, 2017). The new indicators are the Material and Social deprivation (MSD) indicator and the Severe Material and Social Deprivation (SMSD) indicator. These indicators are based on 13 items (seven household items and six personal items).

Household items:

– face unexpected expenses;
– afford one week annual holiday away from home;
– avoid arrears (in mortgage, rent, utility bills and/or hire purchase instalments);
– afford a meal with meat, chicken, fish or vegetarian equivalent every second day;
– afford keeping their home appropriately warm;
– have access to a car/van for personal use;
– replace worn-out furniture.

Personal items:

– replace worn-out clothes with some new ones;
– have two pairs of properly fitting shoes (including a pair of all-weather shoes);
– spend a small amount of money each week on him/herself (“pocket money”);
– have regular leisure activities;
– get together with friends/family for a drink/meal at least once a month;
– have an internet connection.

Persons lacking at least five items out of the 13 material and social deprivation items are considered to be materially and socially deprived.

Persons lacking at least seven items out of the 13 material and social deprivation items are considered to be severely materially and socially deprived.

5i.      The Work Intensity (WI) of a household is the ratio of the total number of months that all household members have worked during the income reference year and the total number of months the same household members theoretically could have worked in the same period. In line with EU Regulation No. 2019/1700 on person and household surveys, the WI indicator was modified to cover persons aged between 18 and 64 instead of persons aged between 18 and 59. Students aged between 18 and 24 are excluded from the calculation of this indicator. Moreover, households composed only of children aged less than 18, students aged less than 25 and/or people aged 65 or more are completely excluded from the computation of this indicator.

5j.      The at-risk-of-poverty rate refers to the share of persons with an equivalised disposable income below the at-risk-of-poverty threshold as defined in Methodological Note 5g).                 

5k.    The term housing costs refers to the monthly costs connected with the household’s right to live in the accommodation, and includes: interest paid on mortgages, rent payments, structural insurances, cost of utilities and regular maintenance and repairs.

5l.    The household cost burden is defined as the ratio of annual total housing costs (net of housing allowances) to the total disposable household income (net of housing allowances). The median of the housing cost burden distribution refers to the value which divides the total frequency for this distribution at individual level into two halves i.e. it is the value that falls exactly in the middle so that 50% of persons have a household cost burden ratio above this value and 50% are below.

6. Following the 2021 Census of Population and Housing, EU-SILC was benchmarked with updated demographic estimates derived from this census. With the availability of the census, it became possible to apply separate calibration weights for Maltese and foreigners within the EU-SILC, starting from reference year 2023. This updated methodology ensured that the distribution by broad citizenship category in the survey population aligned with the census.

EU-SILC uses regular updates on population and household estimates for the calculation of the cross-sectional weights and the calibration of survey data with population and household estimates. For EU-SILC 2024, a refined version of the population and household estimates based on administrative data sources was used. In view of these updates, further refinements were also made to the weighting methodology, including adjustments to the household size classification structure as well as a more detailed breakdown of the foreign population into EU and Non-EU foreigners. These refinements led to a revision of the survey weights, and consequently, the figures published in this news release contain revised data for EU-SILC 2024.

An analysis was conducted, through several simulations, to re-estimate the headline indicators to assess the impact this change in methodology had on the estimates prior to 2023. The headline indicators are the core indicators produced as part of the EU-SILC and include the at-risk-of-poverty and social exclusion rate (AROPE), the at-risk-of-poverty rate (ARP), measures of material and social deprivation (MSD), and low work intensity (LWI). The analysis showed that, while the update adjusted the weighted counts, it did not significantly impact the estimate of the headline indicators, which remained consistent with those produced prior to the change and within the margin of error. Consequently, following consultation with Eurostat, an imminent revision of the time-series was not deemed necessary to ensure full adherence with EU Regulation 2019/1700. Revisions, as already discussed, took place only for 2024. Estimates of the headline indicators produced from 2023 onwards are therefore considered comparable with the previous time-series.

Due to the impact the change had on the weighted counts individually for foreign and Maltese nationals, caution must be taken when making comparisons between household and individual counts estimated from 2023 onwards, with counts estimated in previous years.

We encourage all users to consult with the NSO when using time-series data from the EU-SILC survey to ensure accurate interpretation of the results.

7. Following the 2021 Census of Population and Housing, EU-SILC was benchmarked with updated demographic estimates derived from this census. With the availability of the census, it became possible to apply separate calibration weights for Maltese and foreigners within the EU-SILC, starting from reference year 2023. While this updated methodology ensured that the distribution by broad citizenship category in the survey population aligned with the census, estimates of some secondary indicators were significantly impacted by the change in methodology. Secondary indicators are those indicators that are not part of the core set of headline indicators produced from the EU-SILC. Since a revision of the time-series prior to the update in 2023 has not been conducted, these indicators are not considered fully comparable to estimates produced prior to 2023, and therefore a break-in-time-series has occurred.

We encourage all users to consult with the NSO when using time-series data from the EU-SILC survey to ensure accurate interpretation of the results.

8.  Estimates of variance for main EU-SILC 2025 indicators related to Main Dwellings

estimate margin of error at 95% Confidence Interval 95% confidence interval
Persons living in an overcrowded household
Number 26,334 11,670 26,334 ± 11,670   
% 4.7 2.1 4.7 ± 2.1   
Persons living in households where the financial burden of the total housing cost is perceived to be:
Heavy Number 136,762 16,303 136,762 ± 16,303   
% 24.3 2.9 24.3 ± 2.9   
Slight Number 297,024 17,827 297,024 ± 17,827   
% 52.8 3.2 52.8 ± 3.2   
No burden at all Number 129,182 13,581 129,182 ± 13,581   
% 22.9 2.4 22.9 ± 2.4   
Persons living in households having the following tenure status over main dwelling:
Owned Number 400,104 15,745 400,104 ± 15,745   
% 70.9 2.8 70.9 ± 2.8   
Rented Number 149,514 15,441 149,514 ± 15,441   
% 26.5 2.7 26.5 ± 2.7   
Provided free of charge Number 14,338 4,646 14,338 ± 4,646   
% 2.5 0.8 2.5 ± 0.8   
9.  Sample used for the EU-SILC survey was extracted from a database based on the Census of Population and Housing 2021.
 
10.  More information relating to this news release may be accessed at:
 
11.  References to this news release are to be cited appropriately. For guidance on access and re-use of data please visit our dedicated webpage.
 
12.  Further details are available from the Eurostat’s website.
 
13. A detailed news release calendar is available online.
 
14.  For further assistance send your request through our online request form.
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