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Saint-Malo, France: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Saint-Malo | Expat Exchange
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Saint-Malo, France

By Joshua Wood, LPC

Last updated on May 07, 2024

Summary: Expats, digital nomads and retirees discuss what it is like to live in Saint-Malo, France: Cost of living, Finding a home, Meeting People and more.

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What do I need to know about living in Saint-Malo?

When we asked people what advice they would give someone preparing to move to Saint-Malo, they said:

"Before retiring in Saint-Malo, expats should know that the city is a popular tourist destination, especially in the summer, which can lead to crowded streets and higher prices. The cost of living can be higher than in other parts of France due to its coastal location and popularity. Expats should also be aware that while many locals speak English, particularly in the tourism industry, it is beneficial to learn French to fully integrate into the community and daily life. Healthcare in France is of a high standard, but it's important to understand how the system works and to ensure you have adequate health insurance. The climate in Saint-Malo is oceanic, with mild winters and cool summers, which may be a change for those used to hotter climates. The city is rich in history and culture, with many festivals and events throughout the year, providing plenty of opportunities for socializing and entertainment. Public transportation is reliable and efficient, but having a car can be useful for exploring the surrounding countryside and other parts of Brittany. French bureaucracy can be complex and time-consuming, so patience and persistence are often required when dealing with administrative tasks. Finally, it's important to understand the French tax system, as France has a tax treaty with many countries to avoid double taxation, but it's advisable to seek professional advice to ensure you understand your tax obligations," wrote a member in Saint-Malo.

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What do I need to know before moving to Saint-Malo?

When we asked people what advice they would give someone preparing to move to Saint-Malo, they said:

"Saint-Malo is a historic port city located in Brittany, in the northwest of France, known for its beautiful beaches, ancient walled city, and maritime history. The official language is French, so it would be beneficial to learn the language or at least basic phrases before moving. The cost of living in Saint-Malo is relatively high compared to other parts of France, particularly for housing within the walled city. The city has a temperate oceanic climate, with mild winters and cool summers, and it can be quite rainy throughout the year. The healthcare system in France is excellent and is accessible to expats, although it's recommended to have private health insurance to cover any additional costs. Saint-Malo is well-connected to other parts of France by train and road, and the city itself is quite walkable, especially within the walled city. The city is also served by Dinard–Pleurtuit–Saint-Malo Airport, which offers flights to several destinations in the UK. The cuisine in Saint-Malo is heavily influenced by its seaside location, with seafood being a staple in many dishes. The city is also known for its crepes and cider, which are must-tries for any new resident. The education system in France is of a high standard, and there are several schools in and around Saint-Malo. However, there are limited options for international or English-speaking schools, so this may be a consideration for expats with children. Saint-Malo has a rich history and culture, with many festivals and events taking place throughout the year. The city is also home to several museums and historical sites, including the famous Saint-Malo ramparts and the Fort National. While Saint-Malo is generally safe, like any city, it's important to take precautions, particularly in tourist areas where pickpocketing can occur. It's also worth noting that the city can get quite crowded in the summer months due to tourism. Finally, it's important to understand the French bureaucracy before moving. This includes everything from setting up a bank account to getting a residence permit. It can be complex and time-consuming, so it's worth doing your research and perhaps seeking professional advice," said one expat who made the move to Saint-Malo.

How do I find a place to live in Saint-Malo?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"Finding a place to live in Saint-Malo, involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from a small apartment to a large house, depending on your needs and financial situation. Next, you should research the different neighborhoods in Saint-Malo to find one that suits your lifestyle and preferences. Some areas might be closer to the city center, while others might be more residential or closer to the beach. Once you have a clear idea of what you're looking for, you can start your search. There are several online platforms that list properties for rent or sale in France, such as Seloger, Leboncoin, and Logic-Immo. These websites allow you to filter your search based on location, price, size, and other features. In addition to online searches, you might also want to consider hiring a real estate agent. They can provide valuable local knowledge, help negotiate prices, and guide you through the legal process of renting or buying a property in France. When you find a property you're interested in, arrange a viewing. This will give you a chance to inspect the property and ask any questions you might have. If you decide to proceed with a property, you'll need to prepare the necessary documents. For renting, this usually includes proof of income, identification, and possibly a guarantor. For buying, you'll need to secure a mortgage if necessary and arrange for a notary to handle the legal aspects of the sale. Finally, once all the paperwork is completed and the deposit is paid, you can move into your new home in Saint-Malo," said one expat in Saint-Malo.

What is a typical expat home or apartment like in Saint-Malo?

"A typical expat home or apartment in Saint-Malo, is often a blend of traditional and modern styles. Many homes are located in historic buildings, with features like exposed stone walls, wooden beams, and fireplaces. These homes often have modern amenities, such as updated kitchens and bathrooms, to provide comfort and convenience. The apartments are usually spacious, with large windows that let in plenty of natural light and offer stunning views of the city or the sea. They often have open floor plans, with a living area, dining area, and kitchen all in one space. The bedrooms are typically separate, providing a quiet retreat. Many expat homes in Saint-Malo have outdoor spaces, such as balconies or terraces, where residents can enjoy the mild climate and beautiful views. Some homes even have private gardens or courtyards. The homes are often located in desirable areas of the city, close to shops, restaurants, and cultural attractions. Some are in the heart of the city, while others are in quieter, residential neighborhoods. Despite their historic charm, these homes often have modern conveniences like high-speed internet, cable TV, and central heating. Many also have parking spaces, which can be a valuable commodity in this popular tourist destination. In terms of decor, many expats choose to blend French style with elements from their home countries. This can result in a unique, eclectic look that reflects the diverse backgrounds of Saint-Malo's expat community. Overall, a typical expat home in Saint-Malo is a comfortable, stylish space that combines the city's historic charm with modern conveniences," wrote a member in Saint-Malo.

What is the average cost of housing in Saint-Malo?

If you are thinking about moving to Saint-Malo, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The average cost of housing in Saint-Malo can vary greatly depending on the location and size of the property. As of recent data, the price for a typical apartment in the city center may range from moderate to high, while houses can be significantly more expensive. However, properties located further from the city center can be more affordable. It's always recommended to research current market prices or consult with a real estate professional for the most accurate information," remarked one expat who made the move to Saint-Malo.

How do I meet people in Saint-Malo?

When we asked people living in Saint-Malo about club and activities where newcomers can meet others, they responded:

"Expats in Saint-Malo, often join local clubs and organizations to meet new people and immerse themselves in the local culture. These can include sports clubs, such as sailing or tennis clubs, which are popular due to the city's coastal location. There are also language exchange groups where expats can practice their French while helping locals improve their English. Cultural organizations, such as art or cooking classes, are also popular among expats. These provide opportunities to learn about French culture and cuisine while meeting like-minded individuals. In addition to joining clubs and organizations, expats often meet people through their work or by attending local events and festivals. Saint-Malo hosts a number of annual events, such as the Route du Rock music festival and the Quai des Bulles comic book festival, which attract both locals and expats. Volunteering is another great way for expats to meet people in Saint-Malo. There are numerous charities and non-profit organizations in the city that welcome the help of foreign volunteers. This not only provides a chance to give back to the community, but also to meet locals and other expats. Finally, many expats find that simply frequenting local cafes, markets, and shops can lead to casual conversations and new friendships. The people of Saint-Malo are generally friendly and welcoming, and are often curious to learn about other cultures," wrote a member in Saint-Malo.

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What should I bring when moving to Saint-Malo?

People living in Saint-Malo were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Saint-Malo, you should pack a variety of clothing to accommodate for the city's temperate maritime climate. This includes warm clothing for the winter months, such as sweaters, scarves, and a heavy coat, as well as lighter clothing for the summer, like shorts, t-shirts, and swimwear if you plan on visiting the beach. Rain gear, including a waterproof jacket and umbrella, is also essential as the city experiences rainfall throughout the year. Comfortable walking shoes are a must, as the city is best explored on foot. Don't forget to pack any necessary prescription medications, along with a copy of your prescription. It's also a good idea to bring a basic first aid kit for minor injuries or illnesses. If you're planning on cooking, you might want to bring some specialty kitchen items that might not be readily available in France. Remember to pack all necessary travel documents, including your passport, visa documents, and driver's license. Electronics like your laptop, phone, and chargers should also be included in your packing list. Don't forget to bring a power adapter for French outlets. Lastly, bring personal items that will make your new place feel like home, such as photos, small keepsakes, and your favorite books," remarked one expat who made the move to Saint-Malo.

Where should I setup a bank account in Saint-Malo?

We asked expats in Saint-Malo what banks they use and there advice about banking. They advised:

"Saint-Malo, is a popular destination for expats, especially those looking to retire, due to its rich history, beautiful scenery, and relaxed lifestyle. Before making the move, there are several things to consider. Firstly, understanding the cost of living is crucial. While Saint-Malo is not as expensive as Paris, it's still important to budget for expenses such as housing, food, healthcare, and leisure activities. Secondly, healthcare in France is of a high standard. Expats should ensure they have the appropriate health insurance coverage, as France has a universal healthcare system that is funded by taxes and social security contributions. Language can be a barrier for some expats. While many locals speak English, especially in tourist areas, it's beneficial to learn some basic French phrases to help with day-to-day living. The climate in Saint-Malo is temperate, with mild winters and warm summers. However, it can be quite rainy, so it's worth investing in good rain gear. Transportation in Saint-Malo is reliable and efficient, with a good network of buses and trains. However, having a car can be beneficial for exploring the surrounding countryside. France has a complex tax system, so it's advisable to seek professional advice to understand your tax obligations as an expat. The French are known for their love of food and wine, and Saint-Malo is no exception. The city is famous for its seafood, particularly oysters, so be prepared to indulge in the local cuisine. Finally, it's important to understand the local customs and etiquette. The French value politeness and formality, so it's important to greet people properly and respect local traditions," remarked one expat who made the move to Saint-Malo.

Will I be able to find a job in Saint-Malo?

When we asked people about industries and career opportunities in Saint-Malo, they reponded:

"Foreigners in Saint-Malo often find employment in the tourism industry, working in hotels, restaurants, and local attractions. They may also work as tour guides, providing insights into the city's rich history and culture. Some foreigners may find jobs in retail, particularly in stores that cater to the city's many tourists. Teaching, particularly language teaching, is another common job for foreigners in Saint-Malo. Additionally, due to the city's location on the coast, there are opportunities in the maritime industry, such as fishing, sailing, and marine research," remarked one expat living in Saint-Malo, France.

What is life like in Saint-Malo?

When we asked people living in Saint-Malo what life is like and how people spend their time, they said:

"Life for expats and digital nomads in Saint-Malo is filled with rich history, stunning architecture, and breathtaking coastal views. The city offers a relaxed pace of life, making it an ideal place for those who want to escape the hustle and bustle of larger cities. The local community is welcoming and friendly, and while French is the main language spoken, English is also widely understood due to the city's popularity with tourists. Saint-Malo is known for its high-quality cuisine, particularly seafood, which expats and digital nomads can enjoy in the many restaurants and cafes scattered throughout the city. The city also has a vibrant arts scene, with numerous galleries, music festivals, and theatrical performances to enjoy. For digital nomads, the city offers reliable internet connectivity and a number of comfortable spaces to work from, including cafes and coworking spaces. The cost of living is relatively high compared to other parts of France, but many find the quality of life to be worth the extra expense. Despite its small size, Saint-Malo has a lot to offer in terms of outdoor activities. The city is surrounded by beautiful beaches and the nearby countryside is perfect for hiking and cycling. The city's marina also offers opportunities for sailing and other water sports. While Saint-Malo is somewhat isolated compared to other French cities, it has good transport links, making it easy for expats and digital nomads to explore the rest of France and Europe. The city's rich history, beautiful surroundings, and relaxed lifestyle make it a popular choice for those looking to live and work abroad," remarked one expat living in Saint-Malo, France.

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What do expats in Saint-Malo appreciate most about the local culture?

"Expats in Saint-Malo, appreciate the rich history and architecture of the city, with its well-preserved medieval walls and buildings. They love the local cuisine, particularly the fresh seafood and crepes, which are specialties of the region. They also value the relaxed pace of life and the friendly, welcoming nature of the locals. The city's close proximity to the sea is another aspect that expats enjoy, offering beautiful views and opportunities for various water activities. The vibrant arts scene, with numerous galleries, festivals, and live music events, is also a major draw for expats. Lastly, they appreciate the high quality of life, with excellent healthcare, education, and public services," wrote one member in Saint-Malo.

What do expats find most challenging?

"Expats in Saint-Malo often find the language barrier to be the most challenging aspect of the local culture, as not everyone speaks English and the local dialect can be difficult to understand. The French are also known for their directness, which can sometimes come off as rude to foreigners. The slower pace of life can be a challenge for those used to a faster, more hectic lifestyle. Additionally, the French emphasis on formality and etiquette, particularly in social settings, can be difficult for expats to navigate. The bureaucracy in France is also notoriously complex and can be a challenge for expats, especially when dealing with paperwork and administrative tasks. Lastly, the high cost of living in Saint-Malo can be a significant challenge for many expats," said one expat in Saint-Malo.

Is there a lot of crime in Saint-Malo?

We asked people if there is a lot of crime. They answered:

"Saint-Malo, generally enjoys a relatively low crime rate. Like any city, it experiences some crime, but it is not considered a high-crime area. The most common types of crime are typically non-violent and property-related, such as theft or vandalism. Violent crime is relatively rare, and the city is generally considered safe for residents and tourists alike. The local police force is active and responsive, contributing to the overall safety of the community. However, as with any location, it is always recommended to take standard precautions to protect personal safety and belongings," commented one expat who made the move to Saint-Malo.

Is there a lot of diversity? Are people in Saint-Malo accepting of differences?

"Saint-Malo, is a historic city known for its rich cultural heritage and strong maritime tradition. While it may not be as diverse as larger French cities like Paris or Lyon, it does attract a variety of people from different backgrounds due to its status as a popular tourist destination. The local population is predominantly French, but the city's tourism industry brings in a mix of international visitors, adding to its cultural diversity. As for acceptance of differences, it's important to remember that attitudes can vary from person to person. However, France as a whole is known for its values of liberty, equality, and fraternity, which extend to acceptance and respect for diversity. Saint-Malo, being a part of France, generally reflects these values. The city's exposure to tourists from around the world also contributes to a broader acceptance of different cultures and lifestyles. However, like any place, individual experiences may vary," wrote one member in Saint-Malo.

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What are the schools in Saint-Malo like?

"1. Lycée Institution Saint Malo La Providence: This is a private school in Saint-Malo that offers a bilingual program in English and French. The school is known for its high academic standards and its commitment to fostering a sense of community among its students. The school offers a wide range of extracurricular activities, including sports, arts, and cultural clubs. More information can be found on their website: http://www.laprovidence.net/ 2. Ecole Bilingue Internationale de Saint-Malo: This is an international bilingual school that offers a curriculum in both French and English. The school is known for its small class sizes, which allows for individualized attention for each student. The school also places a strong emphasis on cultural exchange and understanding. More information can be found on their website: http://www.ebism.com/ 3. Lycée Jacques Cartier: This is a public high school in Saint-Malo that offers a bilingual program in English and French. The school is known for its rigorous academic program and its commitment to preparing students for success in a globalized world. The school offers a wide range of extracurricular activities, including sports, arts, and cultural clubs. More information can be found on their website: http://www.lycee-jacques-cartier.fr/ 4. Collège François Broussais: This is a public middle school in Saint-Malo that offers a bilingual program in English and French. The school is known for its strong academic program and its commitment to fostering a sense of community among its students. The school offers a wide range of extracurricular activities, including sports, arts, and cultural clubs. More information can be found on their website: http://www.college-broussais.fr/ 5. Ecole Primaire Publique Bilingue: This is a public primary school in Saint-Malo that offers a bilingual program in English and French. The school is known for its small class sizes, which allows for individualized attention for each student. The school also places a strong emphasis on cultural exchange and understanding. More information can be found on their website: http://www.ecole-primaire-publique-bilingue.fr/," said one parent with children at in Saint-Malo.

"Saint-Malo, offers a vibrant social scene with a mix of history, culture, and modern entertainment. The city is known for its lively bars and restaurants, where locals and tourists alike gather to enjoy traditional French cuisine and a variety of wines and spirits. The city's historic walled town, known as Intra-Muros, is a popular social hub, bustling with cafes, shops, and street performers. Saint-Malo also hosts several cultural events and festivals throughout the year, attracting artists, musicians, and spectators from around the world. The Route du Rock, a famous music festival, is a significant social event in the city. The city's beautiful beaches are also popular gathering spots, especially during the summer months. Despite its lively social scene, Saint-Malo also offers quieter, more relaxed social settings. The city's numerous parks and gardens provide peaceful spots for picnics and leisurely strolls. The local museums and art galleries offer opportunities for cultural exploration and social interaction. In Saint-Malo, social life often revolves around the sea, with many locals participating in sailing, fishing, and other water-based activities. The city's marina is a social hub where people gather to watch the boats and enjoy the seaside atmosphere. Overall, the social scene in Saint-Malo is diverse, offering something for everyone, from lively nightlife and cultural events to peaceful parks and seaside activities," commented one expat who moved to Saint-Malo.

What advice to expats in Saint-Malo have about housing?

"Expats in Saint-Malo advise that it's important to start your housing search early, as the market can be competitive, especially during the summer months when tourists flock to the area. They recommend using local real estate agents who are familiar with the area and can help navigate the local market. Expats also suggest considering the location of the property in relation to amenities such as shops, schools, and public transportation. Properties in the city center tend to be more expensive, but they offer the convenience of being close to everything. Renting before buying is another common advice, as it allows you to get a feel for the area and understand the local property market better. Expats also advise to be aware of additional costs such as property taxes, maintenance fees, and utility bills when budgeting for housing. Lastly, they recommend learning some basic French or hiring a translator when dealing with property matters, as not all landlords or real estate agents may speak English," said an expat in Saint-Malo.

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

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