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Lake Como, Italy: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Lake Como | Digital Nomad Exchange
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Lake Como, Italy

By Betsy Burlingame

Last updated on Oct 11, 2024

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

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Italian For A While

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

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

"Before retiring in Lake Como, expats should know that they will need to obtain a visa if they are not EU citizens. They should also be aware that the cost of living can be quite high, especially in the more popular towns around the lake. Expats should understand that while many locals speak English, learning Italian can greatly enhance their experience and make daily life easier. They should also be prepared for a slower pace of life, as Italians value a work-life balance and often take long lunch breaks and close shops in the afternoon. Healthcare in Italy is of a high standard, but expats should ensure they have adequate health insurance. They should also be aware that they may be liable to pay taxes in Italy, even if they are also paying taxes in their home country. Expats should know that owning a car in Lake Como can be expensive due to high petrol prices and annual car taxes. Public transportation, however, is quite reliable and extensive. They should also be aware that Lake Como has a humid subtropical climate, with hot, humid summers and mild winters. Finally, expats should understand that while Lake Como is a popular tourist destination, it can be quiet during the off-season, which may be a positive or negative depending on personal preference," said one expat who made the move to Lake Como.

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

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

"Expats moving to Lake Como, should be aware of the cost of living, which can be relatively high, especially in popular tourist areas. They should also familiarize themselves with the local language, as English may not be widely spoken in smaller towns and villages. It is essential to have a valid visa and residence permit to live in Italy, and the process can be time-consuming, so it is crucial to start the application process early. Housing options in Lake Como can range from modern apartments to traditional villas, and it is essential to research the different areas and neighborhoods to find the best fit. Expats should also be prepared for the Italian bureaucracy, which can be slow and complicated, especially when dealing with utilities, taxes, and other administrative tasks. Public transportation around Lake Como is reliable, but having a car can be beneficial for exploring the region and accessing more remote areas. Expats should familiarize themselves with Italian driving laws and obtain an international driving permit if necessary. Healthcare in Italy is generally of high quality, but expats should ensure they have adequate health insurance coverage, either through the Italian public healthcare system or a private provider. It is also essential to register with a local doctor (medico di base) upon arrival. The Italian education system is well-regarded, and there are both public and private schools available. However, expats may want to consider international schools if they prefer an English-speaking curriculum or a more familiar educational system. Lake Como has a Mediterranean climate with mild winters and warm summers, but expats should be prepared for occasional rain and humidity. The region is known for its stunning natural beauty, outdoor activities, and historical sites, so there is plenty to explore and enjoy during leisure time. Finally, it is essential for expats to respect and adapt to the local culture and customs, including the importance of family, the slower pace of life, and the emphasis on enjoying good food and wine. Building connections with locals and other expats can help ease the transition and make the experience of living in Lake Como more enjoyable and fulfilling," explained one expat living in Lake Como, Italy.

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

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

"To find a place to live in Lake Como, you can start by researching the different towns and villages around the lake to determine which area suits your preferences and budget. Popular towns include Bellagio, Varenna, Menaggio, and Como. Once you have chosen a location, you can search for available properties on Italian real estate websites such as Immobiliare.it, Casa.it, and Idealista.it. These websites allow you to filter your search based on property type, size, price, and other features. Another option is to contact local real estate agencies in the Lake Como area, as they can provide you with personalized assistance in finding a suitable property. You can find these agencies through a simple online search or by asking for recommendations from friends or acquaintances who have experience in the area. Social media groups and forums dedicated to expats living in Italy or specifically in the Lake Como region can also be a valuable resource. You can join these groups to ask for advice, recommendations, and potential leads on available properties. Finally, if you are planning to rent a property, consider visiting Lake Como 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 a more informed decision," wrote one member in Lake Como.

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

"A typical expat home or apartment in Lake Como, is likely to be a charming, well-maintained property with stunning views of the lake and surrounding mountains. These homes often feature traditional Italian architecture, with stone walls, terracotta roofs, and wooden shutters. Inside, the living spaces are usually spacious and bright, with high ceilings, large windows, and a mix of modern and traditional furnishings. Many expat homes in Lake Como also come with outdoor spaces, such as terraces or gardens, perfect for enjoying the beautiful scenery and mild climate. Additionally, these properties are often located in close proximity to local amenities, such as shops, restaurants, and public transportation, making it convenient for expats to explore and enjoy their new surroundings," said one expat who made the move to Lake Como.

What is the average cost of housing in Lake Como?

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

"The average cost of housing in Lake Como, can vary greatly depending on the location, size, and type of property. On average, you can expect to pay around €3,000 to €5,000 per square meter for an apartment, while luxury villas can cost anywhere from €5 million to €30 million. Rental prices for a standard apartment can range from €500 to €1,500 per month, while luxury vacation rentals can cost several thousand euros per week," wrote one member in Lake Como.

How do I meet people in Lake Como?

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

"Expats in Lake Como, often join various clubs and activities to meet people and immerse themselves in the local culture. These include language exchange clubs, where they can practice their Italian and help locals with English. They may also join cooking classes to learn about Italian cuisine, or wine tasting clubs to explore the region's rich wine culture. Outdoor activities are also popular among expats in Lake Como. They may join hiking or cycling groups to explore the beautiful landscapes of the region, or sailing clubs to enjoy the lake's waters. Golf clubs are also popular, with several courses in the area offering stunning views of the lake and mountains. Expats may also get involved in local community events and festivals, which are a great way to meet locals and other expats. These can range from music and film festivals to local food and wine events. Volunteering is another great way to meet people and give back to the community, with opportunities in areas like environmental conservation, education, and social services. In addition to these activities, expats often meet people through their work or their children's schools. They may also meet people through local expat groups or online forums, which can provide valuable advice and support for newcomers to the area. Finally, simply exploring the local cafes, restaurants, and markets can be a great way to meet people and get a feel for the local culture. Lake Como is known for its friendly and welcoming atmosphere, so expats often find it easy to strike up conversations and make new friends," wrote one member in Lake Como.

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What should I bring when moving to Lake Como?

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

"When moving to Lake Como, you should pack clothing suitable for the Mediterranean climate, including lightweight and breathable fabrics for the warm summers and layers for the cooler months. Don't forget a waterproof jacket and an umbrella for the occasional rain showers. Bring comfortable walking shoes for exploring the picturesque towns and hiking trails around the lake. Pack any essential medications and a small first aid kit, as well as copies of your prescriptions in case you need to refill them while in Italy. Bring travel-sized toiletries to get you started, but remember that you can purchase most items locally. Make sure to pack important documents, such as your passport, visa, travel insurance, and any necessary paperwork for living and working in Italy. It's also a good idea to have digital copies of these documents stored securely online. Bring a plug adapter and voltage converter for your electronic devices, as Italy uses a different type of electrical outlet and voltage than some other countries. Don't forget your smartphone, laptop, and chargers, as well as a portable power bank for charging on the go. Pack a phrasebook or language learning app to help you communicate with locals and navigate your new surroundings. A guidebook or map of the Lake Como area will also come in handy for exploring the region. Consider packing a few sentimental items or small decorations to make your new living space feel more like home. Finally, bring an open mind and a sense of adventure as you embark on your exciting new journey in Lake Como, Italy," said one expat who made the move to Lake Como.

Where should I setup a bank account in Lake Como?

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

"Expats considering retiring in Lake Como, should be aware of several factors before making the move. Firstly, they should research the cost of living, which can be higher in popular tourist areas like Lake Como. This includes housing costs, utilities, groceries, and transportation. It is essential to understand the Italian healthcare system, which offers public and private options. Expats should determine their eligibility for public healthcare and consider purchasing private health insurance if necessary. Expats must also familiarize themselves with the Italian tax system and their tax obligations as a resident. This may include paying taxes on worldwide income and reporting foreign bank accounts. Language can be a barrier for some expats, so learning Italian or enrolling in language courses is highly recommended. This will not only help with daily life but also with integrating into the local community. Understanding the Italian culture and customs is crucial for a smooth transition. This includes respecting local traditions, participating in community events, and adapting to the slower pace of life. Expats should also research the various residency options available, such as the elective residency visa, which requires proof of sufficient income and no employment in Italy. They must also be prepared to navigate the bureaucratic process of obtaining residency permits and other necessary documentation. Finally, it is essential to have a solid financial plan in place, including budgeting for living expenses, healthcare, taxes, and any potential emergencies. This will ensure a comfortable and stress-free retirement in the beautiful region of Lake Como," commented one expat who made the move to Lake Como.

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

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

"Foreigners in Lake Como often work in the tourism industry, taking roles such as tour guides, hotel staff, restaurant workers, or travel agents. Some also work in the real estate sector, helping wealthy international clients to buy or rent villas around the lake. Others may be employed in the boating industry, providing yacht rentals or boat tours to tourists. There are also opportunities for foreigners to teach English or other languages in local schools or private institutions. Additionally, some foreigners may work remotely in various fields such as IT, design, or consulting, enjoying the beautiful surroundings of Lake Como while working for international companies," explained one expat living in Lake Como, Italy.

What is life like in Lake Como?

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

"Life for expats and digital nomads in Lake Como is often described as idyllic and relaxed. The stunning natural beauty of the lake and surrounding mountains provides a tranquil setting for work and leisure. The region is known for its rich history, beautiful architecture, and delicious Italian cuisine, offering plenty of opportunities for cultural exploration. The local community is welcoming and friendly, making it easy for newcomers to feel at home. Italian is the main language spoken, but English is also widely understood, especially in tourist areas. Expats and digital nomads often find themselves immersed in the local culture, learning the language, and participating in local traditions and festivals. The cost of living can be high, especially in the more touristy areas, but there are also more affordable options in the smaller towns around the lake. The infrastructure is good, with reliable internet, making it suitable for remote work. Public transportation is efficient and the area is well-connected to other parts of Italy and Europe, making travel easy. The climate is mild, with warm summers and cool winters, perfect for outdoor activities. From hiking in the mountains to boating on the lake, there's always something to do. The slower pace of life allows for a good work-life balance, with plenty of time to enjoy the stunning scenery and laid-back lifestyle. Despite being a popular tourist destination, Lake Como maintains a peaceful, authentic atmosphere. The combination of natural beauty, cultural richness, and a friendly community makes it a popular choice for expats and digital nomads looking for a unique living experience," wrote one member in Lake Como.

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

"Expats in Lake Como appreciate the warm and welcoming nature of the local people, who are always ready to help and make newcomers feel at home. They also enjoy the relaxed pace of life, which allows them to slow down and appreciate 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 made with fresh, local ingredients and often shared with friends and family during leisurely meals. The strong sense of community and numerous local festivals and events also contribute to the overall enjoyment of life in Lake Como," remarked one expat living in Lake Como, Italy.

What do expats find most challenging?

"Expats in Lake Como, 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 socializing over work and efficiency. Additionally, expats may find it difficult to navigate the Italian bureaucracy, which can be complex and time-consuming. Adapting to the local customs and etiquette, such as the importance of dressing well and the specific mealtime rituals, can also be challenging for newcomers. Finally, building relationships with locals may take time, as Italians often have close-knit social circles and may be initially reserved with newcomers," wrote a member in Lake Como.

Is there a lot of crime in Lake Como?

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

"Lake Como, is generally considered a safe and peaceful destination for tourists and residents alike. While there may be occasional incidents of petty crime, such as pickpocketing or theft, the overall crime rate in the area is relatively low. Violent crime is rare, and the picturesque lake and surrounding towns are known for their tranquility and relaxed atmosphere. As with any travel destination, it is always wise to take precautions and be aware of your surroundings, but visitors to Lake Como can generally expect a safe and enjoyable experience," commented one expat who made the move to Lake Como.

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

"Lake Como, is a popular tourist destination, attracting visitors from all over the world, which contributes to its cultural diversity. However, the local population is predominantly Italian. As a tourist hotspot, the locals are generally welcoming and accepting of people from different backgrounds, cultures, and lifestyles. They are accustomed to interacting with foreigners and are often open-minded and respectful of differences. However, like any place, individual attitudes can vary. Overall, Lake Como is known for its hospitality and the warm, friendly nature of its residents," remarked one expat living in Lake Como, Italy.

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What are the schools in Lake Como like?

"Lake Como, is a beautiful region known for its stunning landscapes and rich culture. While it may not have a large number of international or bilingual schools, there are a few notable ones in the surrounding areas. One of the most prestigious international schools near Lake Como is the International School of Como. This school offers an International Baccalaureate (IB) curriculum for students aged 2 to 18. The school is committed to fostering a multicultural environment and promoting a global perspective among its students. More information can be found on their website: http://www.iscomo.com/ Another notable school is the Bilingual European School (BES) in Milan, which is a short distance from Lake Como. BES offers a bilingual curriculum in English and Italian for students aged 2 to 14. The school aims to provide a balanced and challenging education that prepares students for the future. More details can be found on their website: https://www.beschool.eu/en/ The American School of Milan, located in Milan, is another excellent option for families seeking an international education near Lake Como. The school offers an American-style curriculum for students from pre-kindergarten through grade 12, and it also offers the International Baccalaureate Diploma Program for high school students. The school's website provides more information: https://www.asmilan.org/ The British School of Milan is another prestigious institution offering a British-style education for students aged 3 to 18. The school is known for its high academic standards and its commitment to fostering a love of learning among its students. More information can be found on their website: https://www.britishschoolmilan.com/ Lastly, the Canadian School of Milan offers a bilingual curriculum in English and Italian for students aged 1 to 14. The school is committed to providing a nurturing and inclusive environment where students can thrive. More details can be found on their website: https://www.canadianschool.it/," said one parent with children at in Lake Como.

"Lake Como, offers a vibrant and diverse social scene. It is a popular destination for both locals and tourists, attracting a mix of people from all walks of life. The area is known for its luxury villas and upscale resorts, making it a hotspot for celebrities and the elite. The social scene is often centered around the lake itself, with many people enjoying boating, swimming, and other water activities. There are also numerous restaurants, cafes, and bars where people gather to enjoy the local cuisine and wine. The nightlife in Lake Como is relatively laid back, with a focus on fine dining and wine tasting rather than loud clubs or bars. Cultural events such as music concerts, art exhibitions, and festivals also play a significant role in the social scene. The local communities are very welcoming and often organize events to celebrate their traditions and heritage. Despite its reputation as a playground for the rich and famous, Lake Como also offers plenty of opportunities for socializing and relaxation for those on a more modest budget. From hiking in the surrounding mountains to exploring the charming small towns around the lake, there is something for everyone in Lake Como," commented one expat who moved to Lake Como.

What advice to expats in Lake Como have about housing?

"Expats in Lake Como advise that housing can be quite expensive due to the area's popularity with tourists and celebrities. They recommend hiring a local real estate agent who can help navigate the market and negotiate prices. It's also suggested to consider the location carefully, as some areas are more accessible than others, especially during the winter months when some roads can be difficult to navigate. Expats also advise to check the condition of the house thoroughly, as some older properties may require significant renovation. They also suggest considering the proximity to amenities like shops, restaurants, and healthcare facilities. Renting before buying is also recommended, to get a feel for the area and understand the local property market better. Lastly, they advise to be aware of the local laws and regulations regarding property ownership and rental, as they can be quite different from those in other countries," said an expat in Lake Como.

About the Author

Betsy Burlingame Betsy Burlingame is one of the founders of Digital Nomad Exchange and the Founder and President of Expat Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange and Digital Nomad 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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