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Lake Garda, Italy: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Lake Garda | Expat Exchange
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Lake Garda, Italy

By Betsy Burlingame

Last updated on May 10, 2024

Summary: Expats, digital nomads and retirees talk about what it is really like living in Lake Garda, Italy. They offer advice about meeting people, cost of living, finding a home and more.

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What do I need to know about living in Lake Garda?

When we asked people what advice they would give someone preparing to move to Lake Garda, they said:

"Expats considering retiring in Lake Garda, should be aware of several important factors before making the move. Firstly, they should research the cost of living, which can vary depending on the specific town or village they choose to live in. This includes housing costs, utilities, groceries, and transportation. It is essential for expats to understand the Italian healthcare system and ensure they have adequate health insurance coverage. Italy has a public healthcare system, but private healthcare is also available. Expats may need to register with the local health authority (Azienda Sanitaria Locale) to access public healthcare services. Language can be a barrier for some expats, as English is not widely spoken in smaller towns and villages around Lake Garda. Learning Italian or enrolling in language courses can help with integration and daily life. Expats should familiarize themselves with the Italian tax system and seek professional advice to understand their tax obligations. Italy has tax treaties with several countries to avoid double taxation, but it is essential to understand the specific requirements for each individual's situation. Retirees should also consider the climate in Lake Garda, which features hot summers and mild winters. This may be a significant factor for those with health concerns or preferences for specific weather conditions. It is crucial for expats to research the visa and residency requirements for retiring in Italy. Non-EU citizens will need a visa to enter Italy and may need to apply for a long-term residence permit (Permesso di Soggiorno) once they arrive. Finally, expats should take the time to explore the various towns and villages around Lake Garda to find the perfect location that suits their lifestyle and preferences. Each town has its unique charm, amenities, and community, so it is essential to find the right fit before making a permanent move," wrote one member in Lake Garda.

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What do I need to know before moving to Lake Garda?

When we asked people what advice they would give someone preparing to move to Lake Garda, they said:

"Expats moving to Lake Garda, should be aware of several factors to ensure a smooth transition. Firstly, it is essential to have a basic understanding of the Italian language, as English may not be widely spoken in smaller towns and villages. This will also help in building relationships with locals and integrating into the community. It is crucial to research the cost of living in the area, including housing, utilities, groceries, and transportation. Lake Garda is a popular tourist destination, so prices may be higher than in other parts of Italy. Expats should also familiarize themselves with the local healthcare system and ensure they have appropriate health insurance coverage. When looking for housing, it is essential to consider factors such as proximity to amenities, public transportation, and schools if you have children. Renting is more common in Italy, and it is advisable to work with a local real estate agent to find suitable accommodation. Expats should also be aware of the Italian bureaucracy, which can be complex and time-consuming. It is essential to have all necessary documents, such as visas, permits, and identification, in order before moving to Lake Garda. Registering with the local town hall (comune) is required upon arrival, and this process can take some time. Understanding the local culture and customs is vital for a successful move to Lake Garda. Italians value family, food, and socializing, so be prepared to embrace these aspects of life. Additionally, be aware of local business hours, as many shops and businesses close for a few hours in the afternoon for a lunch break (riposo). Finally, it is essential to have a reliable mode of transportation, as public transportation options may be limited in some areas around Lake Garda. Owning a car can provide more freedom and flexibility, but be prepared for narrow roads and sometimes challenging driving conditions," wrote one member in Lake Garda.

How do I find a place to live in Lake Garda?

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

"To find a place to live in Lake Garda, you can start by researching the different towns and villages around the lake to determine which area suits your preferences and needs. Some popular towns include Sirmione, Desenzano del Garda, and Riva del Garda. Once you have chosen a specific area, you can begin searching for available properties through local real estate agencies or online property portals such as Immobiliare.it, Casa.it, and Idealista.it. These websites allow you to filter your search based on property type, size, price, and location. Another option is to join local Facebook groups or online forums dedicated to Lake Garda, where you can ask for recommendations and advice from locals and expats who are familiar with the area. They may be able to suggest specific neighborhoods, apartment complexes, or even private landlords with available properties. If you are planning to rent a property, it is advisable to visit Lake Garda in person to view potential homes and meet with landlords or real estate agents. This will give you a better understanding of the local housing market and help you make an informed decision. Finally, once you have found a suitable property, make sure to carefully review the rental agreement or purchase contract, and seek legal advice if necessary, before signing any documents," remarked one expat living in Lake Garda, Italy.

What is a typical expat home or apartment like in Lake Garda?

"A typical expat home or apartment in Lake Garda, is likely to be a charming and spacious property with stunning views of the lake and surrounding mountains. These homes often feature traditional Italian architecture, with stone walls, terracotta floors, and wooden beams. The interiors are usually well-appointed, with modern amenities and comfortable furnishings. Many expat homes in Lake Garda also have outdoor spaces, such as terraces or gardens, where residents can enjoy the beautiful scenery and mild Mediterranean climate. Some properties may also have access to shared facilities, such as swimming pools or tennis courts, depending on the community they are located in. Overall, expat homes in Lake Garda offer a comfortable and picturesque living experience, allowing residents to fully immerse themselves in the Italian lifestyle," said one expat who made the move to Lake Garda.

What is the average cost of housing in Lake Garda?

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

"The average cost of housing in Lake Garda, can vary greatly depending on the location, type of property, and amenities. On average, you can expect to pay around €2,000 to €3,000 per square meter for an apartment, while a villa or house may cost between €3,000 and €5,000 per square meter. However, these prices can be significantly higher in more desirable areas or for properties with lake views and luxury features," wrote a member in Lake Garda.

How do I meet people in Lake Garda?

When we asked people living in Lake Garda about club and activities where newcomers can meet others, they responded:

"Expats in Lake Garda, often join local clubs and activities to meet people and immerse themselves in the local culture. These can include language exchange clubs, where they can practice their Italian with locals and help them with English or other languages. They may also join local sports clubs, such as sailing or hiking groups, which are popular due to the lake and surrounding mountains. Cooking classes are another popular activity, where expats can learn to make traditional Italian dishes and meet other food enthusiasts. Wine tasting events and vineyard tours are also common, given the region's renowned wine production. Expats may also get involved in local community events and festivals, which are frequent in Lake Garda and provide a great opportunity to meet locals and other expats. Volunteering is another way to meet people and give back to the community, with opportunities ranging from environmental conservation to helping out at local schools or charities. In addition to these activities, many expats meet people simply by being active in their local neighborhood, such as frequenting local cafes, markets, and shops. They may also meet people through their children's schools or their own work. Online platforms and social media groups for expats in Lake Garda are also a valuable resource for meeting people, finding out about local events, and getting advice on living in the area. These platforms often organize meetups and other social events, providing a welcoming community for newcomers. Finally, language schools and universities often offer courses and workshops for expats, which can be a great way to meet people and learn about Italian culture and history," said one expat in Lake Garda.

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What should I bring when moving to Lake Garda?

People living in Lake Garda were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Lake Garda, you should pack clothing suitable for the Mediterranean climate, including lightweight and breathable fabrics for the warm months and layers for cooler evenings. Don't forget a swimsuit for enjoying the lake, as well as comfortable walking shoes for exploring the towns and countryside. Bring any essential medications and a small first aid kit, as well as copies of your prescriptions and medical records in case you need to visit a local doctor. It's also a good idea to pack a travel adapter for your electronic devices, as Italy uses a different plug type than many other countries. Make sure to have important documents such as your passport, visa, and any necessary permits, as well as copies of these documents in case of loss or theft. You may also want to bring a phrasebook or language learning app to help you communicate with locals and navigate your new surroundings. Pack a camera or smartphone to capture memories of your time in Lake Garda, and consider bringing a journal or notebook to document your experiences. Finally, don't forget any personal items that will help make your new home feel more comfortable, such as favorite books, photos, or small mementos from home," wrote one member in Lake Garda.

Where should I setup a bank account in Lake Garda?

We asked expats in Lake Garda what banks they use and there advice about banking. They advised:

"Expats considering retiring in Lake Garda, should be aware of several important factors before making the move. Firstly, they should research the cost of living, which can vary depending on the specific town or village they choose to live in. This includes housing costs, utilities, groceries, and transportation. It is essential for expats to understand the Italian healthcare system, which is a mix of public and private services. While public healthcare is available to residents, it is recommended to have private health insurance to ensure access to the best care and facilities. Expats should also familiarize themselves with the Italian tax system, as they may be subject to taxes on their worldwide income if they become residents. It is advisable to consult with a tax professional to understand the implications and potential double taxation treaties between Italy and their home country. Language can be a barrier for some expats, as English is not widely spoken in smaller towns and villages around Lake Garda. Learning Italian will not only make daily life easier but also help in building connections with the local community. The climate in Lake Garda is generally mild, with warm summers and cool winters. Expats should be prepared for seasonal changes and pack appropriate clothing for various weather conditions. It is important to understand the local customs and culture, as Italians are known for their strong sense of tradition and community. Expats should be respectful of these customs and be open to embracing the Italian way of life. Finally, expats should research the various towns and villages around Lake Garda to find the one that best suits their lifestyle and preferences. Each town has its unique charm, amenities, and attractions, so it is essential to visit and explore the area before making a decision on where to settle," remarked one expat living in Lake Garda, Italy.

Will I be able to find a job in Lake Garda?

When we asked people about industries and career opportunities in Lake Garda, they reponded:

"Foreigners in Lake Garda often work in the tourism industry, taking up jobs such as tour guides, hotel staff, restaurant workers, and travel agents. Some also work in the local wine industry, either in production or in wine tourism. Others may find employment in teaching, particularly in language schools where there is a demand for native speakers of English and other languages. There are also opportunities in the real estate sector, helping other expats to find and purchase properties. Additionally, some foreigners may work remotely in various fields such as IT, design, or writing, taking advantage of the beautiful surroundings while continuing their careers," explained one expat living in Lake Garda, Italy.

What is life like in Lake Garda?

When we asked people living in Lake Garda what life is like and how people spend their time, they said:

"Life for expats and digital nomads in Lake Garda, is often described as idyllic and relaxed. The region is known for its stunning natural beauty, with the lake surrounded by mountains, vineyards, and charming Italian villages. The climate is mild and pleasant, making it a great place for outdoor activities like hiking, biking, and sailing. Expats and digital nomads often find the cost of living to be reasonable, with affordable housing options available. The food and wine are exceptional, with many local markets and restaurants offering fresh, locally sourced produce and dishes. The local community is generally welcoming and friendly towards foreigners. While Italian is the main language spoken, English is also widely understood, especially in tourist areas. The internet connectivity is generally good, making it a suitable place for digital nomads to work from. There are also several coworking spaces available for those who prefer a more structured work environment. Despite its tranquility, Lake Garda is also conveniently located, with cities like Verona and Milan within easy reach for those craving a taste of urban life. However, it's worth noting that public transportation can be limited, so having a car can be beneficial. Also, while the pace of life is slower, which many expats appreciate, it may take some time to adjust for those used to a faster-paced lifestyle. Overall, life for expats and digital nomads in Lake Garda offers a balance of work and leisure, set against a backdrop of breathtaking natural beauty," explained one expat living in Lake Garda, Italy.

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What do expats in Lake Garda appreciate most about the local culture?

"Expats in Lake Garda, often appreciate the warm and welcoming nature of the local people, who are known for their friendliness and hospitality. They also enjoy the relaxed pace of life, which allows them to slow down and savor the beauty of their surroundings. The rich history and stunning architecture of the region are also highly valued, as they provide a sense of connection to the past and a unique cultural experience. Additionally, expats appreciate the delicious Italian cuisine, which is characterized by fresh, local ingredients and a focus on quality and simplicity. The numerous festivals and events that take place throughout the year are another aspect of the local culture that expats enjoy, as they offer opportunities to engage with the community and celebrate local traditions. Finally, the beautiful natural landscape of Lake Garda, with its crystal-clear waters and picturesque scenery, is a source of inspiration and enjoyment for many expats who choose to call this region home," explained one expat living in Lake Garda, Italy.

What do expats find most challenging?

"Expats in Lake Garda may find the language barrier to be the most challenging aspect of the local culture, as not everyone speaks English fluently. They might also struggle with the slower pace of life, as Italians tend to prioritize leisure and relaxation over efficiency. Additionally, expats may find it difficult to navigate the Italian bureaucracy, which can be complex and time-consuming. The strong emphasis on family and close-knit communities may also make it challenging for expats to integrate and form connections with locals. Furthermore, adjusting to the Italian meal schedule, which includes late lunches and dinners, might be a challenge for some expats," remarked one expat living in Lake Garda, Italy.

Is there a lot of crime in Lake Garda?

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

"Lake Garda, is generally considered a safe destination for tourists and locals alike. While there may be occasional incidents of petty crime, such as pickpocketing and theft, violent crime is relatively rare in the area. The local authorities and police work diligently to maintain a safe and secure environment for visitors and residents. However, it is always advisable for tourists to take necessary precautions and remain vigilant to ensure their safety and security while enjoying their time in Lake Garda," remarked one expat who made the move to Lake Garda.

Is there a lot of diversity? Are people in Lake Garda accepting of differences?

"Lake Garda, is a diverse region that attracts tourists from all over the world. It is a melting pot of different cultures, languages, and traditions, which contributes to its vibrant and dynamic atmosphere. The local population is known for their warm hospitality and openness towards visitors, regardless of their background or nationality. They are generally accepting of differences and are accustomed to interacting with people from various cultures due to the area's popularity as a tourist destination. This acceptance is reflected in the region's inclusive atmosphere and the respect shown towards all visitors," wrote a member in Lake Garda.

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What are the schools in Lake Garda like?

"In Lake Garda, there are several international and bilingual schools that cater to the diverse educational needs of students. One such school is the International School of Desenzano, which offers a bilingual curriculum in English and Italian for students aged 3 to 14 years. The school follows the International Baccalaureate (IB) Primary Years Programme and the Italian national curriculum, ensuring a well-rounded education for its students. More information about the school can be found on their website: http://www.isdesenzano.com/ Another notable school in the region is the Bilingual European School (BES) in Brescia, which is not far from Lake Garda. BES offers a bilingual education in English and Italian for students aged 2 to 18 years. The school follows the Italian national curriculum and the Cambridge International Curriculum, providing students with a strong foundation in both languages and cultures. The school's website offers more details: https://www.beschool.eu/en/ The British International School of Verona is also within reach of Lake Garda and offers a British-style education for students aged 3 to 18 years. The school follows the English National Curriculum and offers the International General Certificate of Secondary Education (IGCSE) and A-Level programs. The school's website provides further information: https://www.bischool.com/ Lastly, the International School of Bergamo, located near Lake Garda, offers an international education for students aged 6 to 18 years. The school follows the International Baccalaureate (IB) curriculum, providing students with a globally recognized education. More information about the school can be found on their website: https://www.isbergamo.com/," remarked one expat living in Lake Garda with children attending .

"Lake Garda, offers a vibrant social scene that caters to a variety of tastes. The area is known for its lively bars and nightclubs, particularly in the towns of Desenzano and Bardolino, where locals and tourists alike can enjoy music, dancing, and cocktails. Wine lovers can indulge in wine tasting tours in the region's numerous vineyards. For those who prefer a quieter social scene, there are plenty of cafes and restaurants where one can enjoy the local cuisine and engage in relaxed conversations with locals or fellow tourists. The lake itself is a hub of social activity, with opportunities for boating, swimming, and other water sports. Cultural events such as music concerts, art exhibitions, and festivals are also common, providing a chance to mingle with locals and immerse oneself in Italian culture. The picturesque towns around the lake, each with its own unique charm, are perfect for leisurely exploration and meeting new people. In summary, the social scene in Lake Garda is a blend of lively nightlife, relaxed daytime activities, and cultural events, all set against the backdrop of stunning natural beauty," remarked one expat in Lake Garda.

What advice to expats in Lake Garda have about housing?

"Expats in Lake Garda, advise that it's essential to research the different towns around the lake before deciding where to live, as each has its unique charm and lifestyle. They recommend renting a place first before buying a property to get a feel for the area and understand the local real estate market. It's also suggested to hire a local real estate agent who can help navigate the Italian property market and legal system. Expats also advise learning some Italian, as not all locals speak English, and it can be beneficial when dealing with property matters. They also suggest considering the proximity to amenities, public transportation, and the expat community when choosing a location. Lastly, they recommend being aware of the additional costs such as utility bills, condominium fees, and property taxes that come with owning a property in Italy," remarked one expat in Lake Garda.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

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