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Living in San Marino

San Marino is a small enclaved microstate surrounded completely by Italy. Among the world’s oldest republics, it retains its own unique culture and traditions today. This guide will explore what it’s like living in San Marino – from the reasons to move there, to the pros and cons, cost of living, quality of life, culture and best places to live in the country.

Why Move to San Marino?

There are several compelling reasons why both Italians and expats choose to move to San Marino, such as:

  • Extremely low taxes, especially for businesses and high-income residents. One of the world’s top tax havens.
  • Picturesque historic hilltop setting with cliffside castles, great views and a pedestrian Old Town for strolling.
  • Safe, quiet and family-friendly lifestyle with very low crime rates and violence.
  • Own legal and governmental system separate from Italy while still within the EU border.
  • Beautiful natural landscapes for outdoor recreation like hiking, cycling, fishing and more.
  • Mild Mediterranean climate means warm, sunny summers and moderate winters.
  • Opportunities for starting businesses, especially in tourism, finance, services and retail.
  • Rich cultural traditions and heritage sites spanning over 1700 years of history as an independent state.
  • Excellent specialty shopping – known for items like wines, perfumes, ceramics, clothing and electronics.

Living in San Marino: Pros and Cons

While the tiny country has appeal, there are some downsides to consider as well:

Pros :

  1. Extremely low tax rates
  2. Breathtaking natural scenery
  3. Safe, family-friendly environment
  4. Own government and laws
  5. Local specialty shopping
  6. Mediterranean climate
  7. Wealthy economy and high wages
  8. Historic architecture and appeal

Cons :

  1. Very limited housing options
  2. Few large grocery stores or commercial chains
  3. Not a diverse population or culture
  4. Some services outdated compared to Italy
  5. Traffic congestion entering and exiting
  6. Remote terrain limits accessibility
  7. Small economy reliant on Italy and tourism
  8. Limited healthcare facilities within country

For many, the financial benefits and storybook charm outweigh the relative isolation and lack of modern amenities. But services can feel dated and housing is confined to limited apartments.

The Cost of Living in San Marino: A Comprehensive Guide

As a prosperous microstate, San Marino boasts high wages that help counterbalance the elevated costs:

Housing

  • Limited apartments rent for around €800-€1500 per month.
  • Purchasing is €3000+ per square meter.

Groceries

  • Prices are 20-30% higher than Italy, especially for imported goods.
  • Budget €400+ monthly for two people.

Dining Out

  • Expect to pay €40-60+ per person at restaurants.
  • A beer costs €5-8 and coffee €2-3.

Childcare

  • Like other costs, childcare is expensive at over €800 per month for full-time care.

Transportation

  • San Marino has limited public transport.
  • Gasoline is comparable to Italy.
  • Used cars are costly.

Healthcare

  • Basic public insurance only covers small portion of costs.
  • Most also get private insurance starting around €100 monthly.

Taxes

  • Very low income and corporate tax rates.
  • VAT is at 17% and contributions around 7% up to a cap.

Utilities

  • Internet starts around €30.
  • Electricity is €0.25 per kWh for 220V service.

Overall, residents pay higher prices particularly for housing, food and vehicles to reside in the tiny republic.

Quality of Life in San Marino

Despite higher costs, quality of life in San Marino remains high across several metrics:

  1. Safety & Security – Crime rates are extremely low with little concern over safety or security within the country.
  2. Environment – San Marino’s policies prioritize sustainability. Air and water quality are excellent with views of greenery.
  3. Infrastructure – As a wealthy microstate, San Marino provides residents with high-quality road systems, utilities, and amenities.
  4. Economy – Per capita GDP is very high. Unemployment remains low. Tourism and specialty trades drive prosperity.
  5. Governance – An elected parliament, human rights laws and balanced government budgets ensure stability.
  6. Community – The small population of just over 30,000 people creates a sense of community and togetherness.
  7. Work-Life Balance – A relaxing culture with frequent cafe breaks built into the workday prevents burnout.
  8. Family Life – Close family ties, kid-friendly public spaces, and low crime rates make it ideal for raising a family.

The gorgeous landscape, rich history and European lifestyle enhance the quality of life as well.

A Beginner’s Guide to San Marino Culture

San Marino’s culture mixes Italian influences with its own unique traditions:

  • Primary language is Italian along with Romagnol dialect. Some English is spoken in tourist areas.
  • Dominant religion is Roman Catholicism. San Marino is seen as a very religious country.
  • Cuisine mirrors Italy with staples like pasta, pizza, cheese, cured meats and seafood.
  • Families are close-knit. Elders are respected and involved with child-rearing.
  • Society can be formal and conservative, valuing modesty and etiquette.
  • Outdoor cafes are popular spots to sip espresso drinks and people watch.
  • Football, cycling and motorsports like Formula 1 are popular sports enjoyed by many locals.
  • Crossbow competitions date back to medieval times and remain a source of local pride today.
  • Highly prized local products include wines, cheeses, ceramics, leather goods, and perfumes.
  • The culture balances centuries of tradition with contemporary Italian comforts and social norms.

Best Places to Live in San Marino

Since San Marino is just 24 square miles (61 km2), there are only a handful of cities and villages:

  1. City of San Marino – The capital has the main historic sights, government offices, restaurants and shops.
  2. Borgo Maggiore – The second largest town is a commercial hub with connections to Italy’s highway.
  3. Serravalle – This town along the country’s rim focuses on industry and manufacturing.
  4. Acquaviva – Situated in the hills, this village offers beautiful views, walking paths and shops.
  5. Chiesanuova – Found higher up in the mountains, Chiesanuova attracts hikers and nature lovers.

San Marino’s tiny size means living options are essentially limited to a few small towns, each with its own character. But all residents get to enjoy the low taxes, security, scenery and history.

For those seeking financial refuge, family comforts or an idyllic Italian lifestyle, San Marino checks many boxes that appeal to expats and locals alike despite its diminutive size.

Emily Johnson

One thought on “Living in San Marino

  1. The conclusion ties everything together beautifully, leaving me with a clear understanding of the main points and feeling inspired to learn more about the topic.

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