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SettleMetric

CITY / CITYVerified city comparison

GenoavsMilan.

Genoa is stronger on 2 of 8 headline facts; Milan on 0. Cost of living (single, excl. rent): Genoa $1,093/mo, Milan $1,093/mo. Freelancer tax burden: Genoa 24.9%, Milan 24.9%. Climate comfort: Genoa 7/12 mo, Milan 5/12 mo.

Verified

14 compared criteria · 16 sources · country-level facts are clearly inherited

it / it · SettleMetric

01

The key differences

The key numbers head-to-head — the stronger side is marked. The overall score stays decoration; what matters is which facts fit you.

Headline result

Genoa leads on 2 of 8

Genoa

2

Milan

0

01Cost of living (single, excl. rent)
Genoa
$1,093/mo

ISTAT — Spese per consumi delle famiglie, Anno 2024 (Prospetto 4, tavole allegate)

Curated by SettleMetric

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Method
ISTAT household budget survey 2024: average monthly household spending €2,755.09, of which imputed rent (affitti figurativi) €617.39 → monetary spending €2,137.70. Actual rentals removed using Italy's 2025 HICP weight for COICOP 04.1 (29.51 per 1,000 = 2.951%, Eurostat prc_hicp_inw) = €63.08 → €2,074.62 excluding all rent. Divided by the average household size of 2.2 (Eurostat ilc_lvph01) = €943.01 per person per month; uplifted by HICP annual averages 2024→2025 (122.3 → 124.3, ×1.0164) = €958.43; converted at 1 EUR = 1.1399 USD (ECB, 2026-07-02) → $1,093.
Notes
Per-capita basis, to match how Spain, Czechia, Austria and France are computed in this dataset. ISTAT also publishes the real single-person household basket, which is what a solo mover actually faces: €1,931.70/month total, €1,347.48 after removing imputed and actual rent — about $1,561/month on the same uplift and FX. A person living alone has no household economies of scale, so read the $1,093 as the comparable cross-country figure and the $1,561 as the realistic personal one. No extrapolation into 2026 was applied beyond the 2025 annual average.
Milan
$1,093/mo

ISTAT — Spese per consumi delle famiglie, Anno 2024 (Prospetto 4, tavole allegate)

Curated by SettleMetric

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Method
ISTAT household budget survey 2024: average monthly household spending €2,755.09, of which imputed rent (affitti figurativi) €617.39 → monetary spending €2,137.70. Actual rentals removed using Italy's 2025 HICP weight for COICOP 04.1 (29.51 per 1,000 = 2.951%, Eurostat prc_hicp_inw) = €63.08 → €2,074.62 excluding all rent. Divided by the average household size of 2.2 (Eurostat ilc_lvph01) = €943.01 per person per month; uplifted by HICP annual averages 2024→2025 (122.3 → 124.3, ×1.0164) = €958.43; converted at 1 EUR = 1.1399 USD (ECB, 2026-07-02) → $1,093.
Notes
Per-capita basis, to match how Spain, Czechia, Austria and France are computed in this dataset. ISTAT also publishes the real single-person household basket, which is what a solo mover actually faces: €1,931.70/month total, €1,347.48 after removing imputed and actual rent — about $1,561/month on the same uplift and FX. A person living alone has no household economies of scale, so read the $1,093 as the comparable cross-country figure and the $1,561 as the realistic personal one. No extrapolation into 2026 was applied beyond the 2025 annual average.
02Freelancer tax burden
Genoa
24.9%

SettleMetric tax engine over official 2026 rules (Agenzia delle Entrate regime forfetario; INPS circolare 8/2026)

Curated by SettleMetric

Data as of
Jan 1, 2026
Verified
Jul 28, 2026
Method
Best eligible scheme at €60,000 revenue for an IT freelancer = it-forfettario-it-67. Taxable base 67% × 60,000 = 40,200 (ATECO group 9 coefficient; expenses never reduce the base). INPS Gestione Separata 26.07% = 10,480.14, deducted from the forfeitary income → 29,719.86. Imposta sostitutiva 15% = 4,457.98. Levies 14,938.12 → 24.9%. The first five years of a new activity run at 5% instead (19.9%); the ordinary IRPEF route on the same profile is near 41%.
Milan
24.9%

SettleMetric tax engine over official 2026 rules (Agenzia delle Entrate regime forfetario; INPS circolare 8/2026)

Curated by SettleMetric

Data as of
Jan 1, 2026
Verified
Jul 28, 2026
Method
Best eligible scheme at €60,000 revenue for an IT freelancer = it-forfettario-it-67. Taxable base 67% × 60,000 = 40,200 (ATECO group 9 coefficient; expenses never reduce the base). INPS Gestione Separata 26.07% = 10,480.14, deducted from the forfeitary income → 29,719.86. Imposta sostitutiva 15% = 4,457.98. Levies 14,938.12 → 24.9%. The first five years of a new activity run at 5% instead (19.9%); the ordinary IRPEF route on the same profile is near 41%.
03Homicide rate
Genoa
0.57/100k

Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB)

Open data

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Notes
Police-recorded intentional homicide, 2024 (2023 was also 0.57). Dataset last updated by Eurostat 2026-04-29. Among the safest large countries in Europe — roughly half the French rate and a fifth of the global average — and down from 1.05 in 2008.
Milan
0.57/100k

Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB)

Open data

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Notes
Police-recorded intentional homicide, 2024 (2023 was also 0.57). Dataset last updated by Eurostat 2026-04-29. Among the safest large countries in Europe — roughly half the French rate and a fifth of the global average — and down from 1.05 in 2008.
04Climate comfort
Genoastronger
7/12 mo

SettleMetric — computed from the Genoa 1991–2020 normals

Curated by SettleMetric

Data as of
Dec 31, 2020
Verified
Jul 28, 2026
Method
Months whose 1991–2020 normals have a mean daily maximum of 15–28°C and under 150mm of precipitation: March, April, May, June, July, September, November = 7. August is excluded at 28.3°C and October at 170mm of rain.
Milan
5/12 mo

SettleMetric — computed from the Milano Linate 1991–2020 WMO normals

Curated by SettleMetric

Data as of
Dec 31, 2020
Verified
Jul 28, 2026
Method
Months whose 1991–2020 normals have a mean daily maximum of 15–28°C and under 150mm of precipitation: March, April, May, June, September = 5. July and August exceed 28°C; October to February stay below 15°C.
05Internet speed
Genoa
27 Mbps

M-Lab NDT country aggregates for Italy

Open data

Data as of
Dec 31, 2023
Verified
Jul 28, 2026
Method
Median of the 344 daily country-median download values for IT in 2023 (17.42M download tests; daily medians ranged 8.6–29.9 Mbps). M-Lab NDT is single-stream and reads well below advertised or Ookla-style figures — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
Notes
Low by Western European standards on this metric: Italy's copper legacy is long and FTTH rollout, while accelerating under the national broadband plan, still lags France and Spain. Fibre is available in the three modelled cities; rural and southern coverage is where the national median is lost.
Milan
27 Mbps

M-Lab NDT country aggregates for Italy

Open data

Data as of
Dec 31, 2023
Verified
Jul 28, 2026
Method
Median of the 344 daily country-median download values for IT in 2023 (17.42M download tests; daily medians ranged 8.6–29.9 Mbps). M-Lab NDT is single-stream and reads well below advertised or Ookla-style figures — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
Notes
Low by Western European standards on this metric: Italy's copper legacy is long and FTTH rollout, while accelerating under the national broadband plan, still lags France and Spain. Fibre is available in the three modelled cities; rural and southern coverage is where the national median is lost.
06English proficiency
Genoa
Moderate

EF EPI 2025 — Italy (score 513, rank 59/123, Moderate band)

Research

Data as of
Nov 1, 2025
Verified
Jul 28, 2026
Notes
Own band informed by EF EPI 2025 (attribution: EF Education First): Italy score 513, global rank 59, 'Moderate' band (EF cutoffs: Moderate 500–549), down 15 points on the previous edition. Reading scores highest (534) and speaking lowest (417), which matches the lived experience: written and technical English is workable in Milan's professional world, but Italian is required for administration, healthcare and most daily life, and proficiency falls sharply from north to south.
Milan
Moderate

EF EPI 2025 — Italy (score 513, rank 59/123, Moderate band)

Research

Data as of
Nov 1, 2025
Verified
Jul 28, 2026
Notes
Own band informed by EF EPI 2025 (attribution: EF Education First): Italy score 513, global rank 59, 'Moderate' band (EF cutoffs: Moderate 500–549), down 15 points on the previous edition. Reading scores highest (534) and speaking lowest (417), which matches the lived experience: written and technical English is workable in Milan's professional world, but Italian is required for administration, healthcare and most daily life, and proficiency falls sharply from north to south.
07Private healthcare cost
Genoa
no verified data
Milan
no verified data
08Air quality (PM2.5)
Genoastronger
10.5 µg/m³

European Environment Agency verified air-quality data for Genoa, 2024 — via the EU Air Quality Tracker

Open data

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Notes
Annual mean of 10.5 µg/m³ across six verified monitoring stations in 2024 — 2.1× the WHO guideline, but barely half Milan's reading. Coastal ventilation is the difference: sea breezes clear the air that the Po Valley traps.
Milan
19 µg/m³

European Environment Agency verified air-quality data for Milan (greater city), 2024 — via the EU Air Quality Tracker

Open data

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Notes
Annual mean of 19.0 µg/m³ across five verified monitoring stations in 2024 — 3.8× the WHO guideline of 5 µg/m³ and among the worst readings in Western Europe, though still under the EU's current 25 µg/m³ limit value. The cause is geography as much as traffic: the Po Valley is ringed by the Alps and Apennines, so winter inversions trap particulate matter for weeks. The EU's 2030 target is 10 µg/m³.

02

Which city fits your plan?

Each lens weighs only the facts that matter to that plan, and names the side it favours.

Remote IT / freelancer

Contract or freelance in tech, billing clients abroad.

A close call for this plan

01Freelancer tax burden
Genoa
24.9%

SettleMetric tax engine over official 2026 rules (Agenzia delle Entrate regime forfetario; INPS circolare 8/2026)

Curated by SettleMetric

Data as of
Jan 1, 2026
Verified
Jul 28, 2026
Method
Best eligible scheme at €60,000 revenue for an IT freelancer = it-forfettario-it-67. Taxable base 67% × 60,000 = 40,200 (ATECO group 9 coefficient; expenses never reduce the base). INPS Gestione Separata 26.07% = 10,480.14, deducted from the forfeitary income → 29,719.86. Imposta sostitutiva 15% = 4,457.98. Levies 14,938.12 → 24.9%. The first five years of a new activity run at 5% instead (19.9%); the ordinary IRPEF route on the same profile is near 41%.
Milan
24.9%

SettleMetric tax engine over official 2026 rules (Agenzia delle Entrate regime forfetario; INPS circolare 8/2026)

Curated by SettleMetric

Data as of
Jan 1, 2026
Verified
Jul 28, 2026
Method
Best eligible scheme at €60,000 revenue for an IT freelancer = it-forfettario-it-67. Taxable base 67% × 60,000 = 40,200 (ATECO group 9 coefficient; expenses never reduce the base). INPS Gestione Separata 26.07% = 10,480.14, deducted from the forfeitary income → 29,719.86. Imposta sostitutiva 15% = 4,457.98. Levies 14,938.12 → 24.9%. The first five years of a new activity run at 5% instead (19.9%); the ordinary IRPEF route on the same profile is near 41%.
02Internet speed
Genoa
27 Mbps

M-Lab NDT country aggregates for Italy

Open data

Data as of
Dec 31, 2023
Verified
Jul 28, 2026
Method
Median of the 344 daily country-median download values for IT in 2023 (17.42M download tests; daily medians ranged 8.6–29.9 Mbps). M-Lab NDT is single-stream and reads well below advertised or Ookla-style figures — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
Notes
Low by Western European standards on this metric: Italy's copper legacy is long and FTTH rollout, while accelerating under the national broadband plan, still lags France and Spain. Fibre is available in the three modelled cities; rural and southern coverage is where the national median is lost.
Milan
27 Mbps

M-Lab NDT country aggregates for Italy

Open data

Data as of
Dec 31, 2023
Verified
Jul 28, 2026
Method
Median of the 344 daily country-median download values for IT in 2023 (17.42M download tests; daily medians ranged 8.6–29.9 Mbps). M-Lab NDT is single-stream and reads well below advertised or Ookla-style figures — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
Notes
Low by Western European standards on this metric: Italy's copper legacy is long and FTTH rollout, while accelerating under the national broadband plan, still lags France and Spain. Fibre is available in the three modelled cities; rural and southern coverage is where the national median is lost.
03English proficiency
Genoa
Moderate

EF EPI 2025 — Italy (score 513, rank 59/123, Moderate band)

Research

Data as of
Nov 1, 2025
Verified
Jul 28, 2026
Notes
Own band informed by EF EPI 2025 (attribution: EF Education First): Italy score 513, global rank 59, 'Moderate' band (EF cutoffs: Moderate 500–549), down 15 points on the previous edition. Reading scores highest (534) and speaking lowest (417), which matches the lived experience: written and technical English is workable in Milan's professional world, but Italian is required for administration, healthcare and most daily life, and proficiency falls sharply from north to south.
Milan
Moderate

EF EPI 2025 — Italy (score 513, rank 59/123, Moderate band)

Research

Data as of
Nov 1, 2025
Verified
Jul 28, 2026
Notes
Own band informed by EF EPI 2025 (attribution: EF Education First): Italy score 513, global rank 59, 'Moderate' band (EF cutoffs: Moderate 500–549), down 15 points on the previous edition. Reading scores highest (534) and speaking lowest (417), which matches the lived experience: written and technical English is workable in Milan's professional world, but Italian is required for administration, healthcare and most daily life, and proficiency falls sharply from north to south.
04Cost of living (single, excl. rent)
Genoa
$1,093/mo

ISTAT — Spese per consumi delle famiglie, Anno 2024 (Prospetto 4, tavole allegate)

Curated by SettleMetric

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Method
ISTAT household budget survey 2024: average monthly household spending €2,755.09, of which imputed rent (affitti figurativi) €617.39 → monetary spending €2,137.70. Actual rentals removed using Italy's 2025 HICP weight for COICOP 04.1 (29.51 per 1,000 = 2.951%, Eurostat prc_hicp_inw) = €63.08 → €2,074.62 excluding all rent. Divided by the average household size of 2.2 (Eurostat ilc_lvph01) = €943.01 per person per month; uplifted by HICP annual averages 2024→2025 (122.3 → 124.3, ×1.0164) = €958.43; converted at 1 EUR = 1.1399 USD (ECB, 2026-07-02) → $1,093.
Notes
Per-capita basis, to match how Spain, Czechia, Austria and France are computed in this dataset. ISTAT also publishes the real single-person household basket, which is what a solo mover actually faces: €1,931.70/month total, €1,347.48 after removing imputed and actual rent — about $1,561/month on the same uplift and FX. A person living alone has no household economies of scale, so read the $1,093 as the comparable cross-country figure and the $1,561 as the realistic personal one. No extrapolation into 2026 was applied beyond the 2025 annual average.
Milan
$1,093/mo

ISTAT — Spese per consumi delle famiglie, Anno 2024 (Prospetto 4, tavole allegate)

Curated by SettleMetric

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Method
ISTAT household budget survey 2024: average monthly household spending €2,755.09, of which imputed rent (affitti figurativi) €617.39 → monetary spending €2,137.70. Actual rentals removed using Italy's 2025 HICP weight for COICOP 04.1 (29.51 per 1,000 = 2.951%, Eurostat prc_hicp_inw) = €63.08 → €2,074.62 excluding all rent. Divided by the average household size of 2.2 (Eurostat ilc_lvph01) = €943.01 per person per month; uplifted by HICP annual averages 2024→2025 (122.3 → 124.3, ×1.0164) = €958.43; converted at 1 EUR = 1.1399 USD (ECB, 2026-07-02) → $1,093.
Notes
Per-capita basis, to match how Spain, Czechia, Austria and France are computed in this dataset. ISTAT also publishes the real single-person household basket, which is what a solo mover actually faces: €1,931.70/month total, €1,347.48 after removing imputed and actual rent — about $1,561/month on the same uplift and FX. A person living alone has no household economies of scale, so read the $1,093 as the comparable cross-country figure and the $1,561 as the realistic personal one. No extrapolation into 2026 was applied beyond the 2025 annual average.
05Domestic delivery quality
Genoa
Good

Poste Italiane — Rete Punto Poste (punti di ritiro e Locker)

Curated by SettleMetric

Data as of
Jul 28, 2026
Verified
Jul 28, 2026
Method
Poste Italiane's Punto Poste network lists over 18,000 pickup points and lockers, and more than 30,000 proximity points counting post offices, alongside private networks — BRT, GLS, SDA, DHL, UPS and InPost Italia. Home delivery is nationwide with next-day options in the north and centre. Rated 'good' rather than 'excellent': locker density is far below Poland's or France's (Poste's own locker estate is in the low thousands, against ~26,000 InPost lockers in Poland), and delivery reliability is noticeably weaker in the south and on the islands.
Notes
Cash on delivery (contrassegno) is still a mainstream consumer option in Italy, unlike in France — a legacy of lower card penetration that remains useful for anyone without an Italian bank card yet.
Milan
Good

Poste Italiane — Rete Punto Poste (punti di ritiro e Locker)

Curated by SettleMetric

Data as of
Jul 28, 2026
Verified
Jul 28, 2026
Method
Poste Italiane's Punto Poste network lists over 18,000 pickup points and lockers, and more than 30,000 proximity points counting post offices, alongside private networks — BRT, GLS, SDA, DHL, UPS and InPost Italia. Home delivery is nationwide with next-day options in the north and centre. Rated 'good' rather than 'excellent': locker density is far below Poland's or France's (Poste's own locker estate is in the low thousands, against ~26,000 InPost lockers in Poland), and delivery reliability is noticeably weaker in the south and on the islands.
Notes
Cash on delivery (contrassegno) is still a mainstream consumer option in Italy, unlike in France — a legacy of lower card penetration that remains useful for anyone without an Italian bank card yet.

Family

Relocating with a partner and school-age children.

Genoa fits better — 1 of 4

01Homicide rate
Genoa
0.57/100k

Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB)

Open data

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Notes
Police-recorded intentional homicide, 2024 (2023 was also 0.57). Dataset last updated by Eurostat 2026-04-29. Among the safest large countries in Europe — roughly half the French rate and a fifth of the global average — and down from 1.05 in 2008.
Milan
0.57/100k

Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB)

Open data

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Notes
Police-recorded intentional homicide, 2024 (2023 was also 0.57). Dataset last updated by Eurostat 2026-04-29. Among the safest large countries in Europe — roughly half the French rate and a fifth of the global average — and down from 1.05 in 2008.
02Private healthcare cost
Genoa
no verified data
Milan
no verified data
03Air quality (PM2.5)
Genoastronger
10.5 µg/m³

European Environment Agency verified air-quality data for Genoa, 2024 — via the EU Air Quality Tracker

Open data

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Notes
Annual mean of 10.5 µg/m³ across six verified monitoring stations in 2024 — 2.1× the WHO guideline, but barely half Milan's reading. Coastal ventilation is the difference: sea breezes clear the air that the Po Valley traps.
Milan
19 µg/m³

European Environment Agency verified air-quality data for Milan (greater city), 2024 — via the EU Air Quality Tracker

Open data

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Notes
Annual mean of 19.0 µg/m³ across five verified monitoring stations in 2024 — 3.8× the WHO guideline of 5 µg/m³ and among the worst readings in Western Europe, though still under the EU's current 25 µg/m³ limit value. The cause is geography as much as traffic: the Po Valley is ringed by the Alps and Apennines, so winter inversions trap particulate matter for weeks. The EU's 2030 target is 10 µg/m³.
04English proficiency
Genoa
Moderate

EF EPI 2025 — Italy (score 513, rank 59/123, Moderate band)

Research

Data as of
Nov 1, 2025
Verified
Jul 28, 2026
Notes
Own band informed by EF EPI 2025 (attribution: EF Education First): Italy score 513, global rank 59, 'Moderate' band (EF cutoffs: Moderate 500–549), down 15 points on the previous edition. Reading scores highest (534) and speaking lowest (417), which matches the lived experience: written and technical English is workable in Milan's professional world, but Italian is required for administration, healthcare and most daily life, and proficiency falls sharply from north to south.
Milan
Moderate

EF EPI 2025 — Italy (score 513, rank 59/123, Moderate band)

Research

Data as of
Nov 1, 2025
Verified
Jul 28, 2026
Notes
Own band informed by EF EPI 2025 (attribution: EF Education First): Italy score 513, global rank 59, 'Moderate' band (EF cutoffs: Moderate 500–549), down 15 points on the previous edition. Reading scores highest (534) and speaking lowest (417), which matches the lived experience: written and technical English is workable in Milan's professional world, but Italian is required for administration, healthcare and most daily life, and proficiency falls sharply from north to south.

Money & crypto

Optimising tax, banking and crypto rules.

A close call for this plan

01Crypto regulation
Genoa
Legal regulated

Agenzia delle Entrate — Quadro RT, sezioni V-A1/V-B1: imposta sostitutiva 33% sulle plusvalenze da cripto-attività realizzate dal 1° gennaio 2026

Official source

Data as of
Jan 1, 2026
Verified
Jul 28, 2026
Notes
Legal and fully regulated, but taxed harder than most of Europe from 2026: the substitute tax on crypto capital gains (art. 67(1)(c-sexies) TUIR) rose from 26% to 33% on gains realised from 1 January 2026, and the previous €2,000 annual exemption threshold was abolished from 2025 — so the first euro of gain is taxable. Euro-denominated e-money tokens stay at 26%. Service providers operate under the EU MiCA regime, supervised by CONSOB and the Bank of Italy. Note that the regime forfettario's substitute tax does not cover capital gains: crypto is declared separately in quadro RT whatever your business regime.
Milan
Legal regulated

Agenzia delle Entrate — Quadro RT, sezioni V-A1/V-B1: imposta sostitutiva 33% sulle plusvalenze da cripto-attività realizzate dal 1° gennaio 2026

Official source

Data as of
Jan 1, 2026
Verified
Jul 28, 2026
Notes
Legal and fully regulated, but taxed harder than most of Europe from 2026: the substitute tax on crypto capital gains (art. 67(1)(c-sexies) TUIR) rose from 26% to 33% on gains realised from 1 January 2026, and the previous €2,000 annual exemption threshold was abolished from 2025 — so the first euro of gain is taxable. Euro-denominated e-money tokens stay at 26%. Service providers operate under the EU MiCA regime, supervised by CONSOB and the Bank of Italy. Note that the regime forfettario's substitute tax does not cover capital gains: crypto is declared separately in quadro RT whatever your business regime.
02Financial control level
Genoa
Low

Agenzia delle Entrate — Limitazione all'uso del contante e deroga per cittadini stranieri non residenti

Official source

Data as of
Jan 1, 2023
Verified
Jul 28, 2026
Method
Composite: Italy uses the euro, with EU free movement of capital and no exchange or capital controls. The binding constraints are ordinary anti-money-laundering rules — a ceiling on cash transfers between parties (art. 49 of D.Lgs. 231/2007), a reporting duty on large cash tourism sales, and the RW section of the tax return, in which residents must declare foreign accounts and assets including crypto. Non-resident banking is available with standard KYC. None of this restricts moving your own money, so the classification is 'low', the same as France and Spain.
Notes
Two official sources disagree on the general cash ceiling and we flag rather than hide it: the 2023 Budget Law (law 197/2022) raised it from €1,000 to €5,000 from 1 January 2023, and this Agenzia delle Entrate page tracks that by setting the tourism cash-sale reporting threshold at €5,000 ('previously €1,000 until 2025'), while the Treasury's own prevention-of-financial-crime FAQ still displays €1,000 as the limit in force since 2022. Either figure lands Italy in the same band. Worth knowing separately: Italy's declaration duty for foreign-held assets is broad, and penalties for undeclared foreign accounts are real.
Milan
Low

Agenzia delle Entrate — Limitazione all'uso del contante e deroga per cittadini stranieri non residenti

Official source

Data as of
Jan 1, 2023
Verified
Jul 28, 2026
Method
Composite: Italy uses the euro, with EU free movement of capital and no exchange or capital controls. The binding constraints are ordinary anti-money-laundering rules — a ceiling on cash transfers between parties (art. 49 of D.Lgs. 231/2007), a reporting duty on large cash tourism sales, and the RW section of the tax return, in which residents must declare foreign accounts and assets including crypto. Non-resident banking is available with standard KYC. None of this restricts moving your own money, so the classification is 'low', the same as France and Spain.
Notes
Two official sources disagree on the general cash ceiling and we flag rather than hide it: the 2023 Budget Law (law 197/2022) raised it from €1,000 to €5,000 from 1 January 2023, and this Agenzia delle Entrate page tracks that by setting the tourism cash-sale reporting threshold at €5,000 ('previously €1,000 until 2025'), while the Treasury's own prevention-of-financial-crime FAQ still displays €1,000 as the limit in force since 2022. Either figure lands Italy in the same band. Worth knowing separately: Italy's declaration duty for foreign-held assets is broad, and penalties for undeclared foreign accounts are real.
03Freelancer tax burden
Genoa
24.9%

SettleMetric tax engine over official 2026 rules (Agenzia delle Entrate regime forfetario; INPS circolare 8/2026)

Curated by SettleMetric

Data as of
Jan 1, 2026
Verified
Jul 28, 2026
Method
Best eligible scheme at €60,000 revenue for an IT freelancer = it-forfettario-it-67. Taxable base 67% × 60,000 = 40,200 (ATECO group 9 coefficient; expenses never reduce the base). INPS Gestione Separata 26.07% = 10,480.14, deducted from the forfeitary income → 29,719.86. Imposta sostitutiva 15% = 4,457.98. Levies 14,938.12 → 24.9%. The first five years of a new activity run at 5% instead (19.9%); the ordinary IRPEF route on the same profile is near 41%.
Milan
24.9%

SettleMetric tax engine over official 2026 rules (Agenzia delle Entrate regime forfetario; INPS circolare 8/2026)

Curated by SettleMetric

Data as of
Jan 1, 2026
Verified
Jul 28, 2026
Method
Best eligible scheme at €60,000 revenue for an IT freelancer = it-forfettario-it-67. Taxable base 67% × 60,000 = 40,200 (ATECO group 9 coefficient; expenses never reduce the base). INPS Gestione Separata 26.07% = 10,480.14, deducted from the forfeitary income → 29,719.86. Imposta sostitutiva 15% = 4,457.98. Levies 14,938.12 → 24.9%. The first five years of a new activity run at 5% instead (19.9%); the ordinary IRPEF route on the same profile is near 41%.

Calm lifestyle

Prioritising safety, air, and an easy daily life.

Genoa fits better — 2 of 4

01Homicide rate
Genoa
0.57/100k

Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB)

Open data

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Notes
Police-recorded intentional homicide, 2024 (2023 was also 0.57). Dataset last updated by Eurostat 2026-04-29. Among the safest large countries in Europe — roughly half the French rate and a fifth of the global average — and down from 1.05 in 2008.
Milan
0.57/100k

Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB)

Open data

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Notes
Police-recorded intentional homicide, 2024 (2023 was also 0.57). Dataset last updated by Eurostat 2026-04-29. Among the safest large countries in Europe — roughly half the French rate and a fifth of the global average — and down from 1.05 in 2008.
02Air quality (PM2.5)
Genoastronger
10.5 µg/m³

European Environment Agency verified air-quality data for Genoa, 2024 — via the EU Air Quality Tracker

Open data

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Notes
Annual mean of 10.5 µg/m³ across six verified monitoring stations in 2024 — 2.1× the WHO guideline, but barely half Milan's reading. Coastal ventilation is the difference: sea breezes clear the air that the Po Valley traps.
Milan
19 µg/m³

European Environment Agency verified air-quality data for Milan (greater city), 2024 — via the EU Air Quality Tracker

Open data

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Notes
Annual mean of 19.0 µg/m³ across five verified monitoring stations in 2024 — 3.8× the WHO guideline of 5 µg/m³ and among the worst readings in Western Europe, though still under the EU's current 25 µg/m³ limit value. The cause is geography as much as traffic: the Po Valley is ringed by the Alps and Apennines, so winter inversions trap particulate matter for weeks. The EU's 2030 target is 10 µg/m³.
03Cost of living (single, excl. rent)
Genoa
$1,093/mo

ISTAT — Spese per consumi delle famiglie, Anno 2024 (Prospetto 4, tavole allegate)

Curated by SettleMetric

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Method
ISTAT household budget survey 2024: average monthly household spending €2,755.09, of which imputed rent (affitti figurativi) €617.39 → monetary spending €2,137.70. Actual rentals removed using Italy's 2025 HICP weight for COICOP 04.1 (29.51 per 1,000 = 2.951%, Eurostat prc_hicp_inw) = €63.08 → €2,074.62 excluding all rent. Divided by the average household size of 2.2 (Eurostat ilc_lvph01) = €943.01 per person per month; uplifted by HICP annual averages 2024→2025 (122.3 → 124.3, ×1.0164) = €958.43; converted at 1 EUR = 1.1399 USD (ECB, 2026-07-02) → $1,093.
Notes
Per-capita basis, to match how Spain, Czechia, Austria and France are computed in this dataset. ISTAT also publishes the real single-person household basket, which is what a solo mover actually faces: €1,931.70/month total, €1,347.48 after removing imputed and actual rent — about $1,561/month on the same uplift and FX. A person living alone has no household economies of scale, so read the $1,093 as the comparable cross-country figure and the $1,561 as the realistic personal one. No extrapolation into 2026 was applied beyond the 2025 annual average.
Milan
$1,093/mo

ISTAT — Spese per consumi delle famiglie, Anno 2024 (Prospetto 4, tavole allegate)

Curated by SettleMetric

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Method
ISTAT household budget survey 2024: average monthly household spending €2,755.09, of which imputed rent (affitti figurativi) €617.39 → monetary spending €2,137.70. Actual rentals removed using Italy's 2025 HICP weight for COICOP 04.1 (29.51 per 1,000 = 2.951%, Eurostat prc_hicp_inw) = €63.08 → €2,074.62 excluding all rent. Divided by the average household size of 2.2 (Eurostat ilc_lvph01) = €943.01 per person per month; uplifted by HICP annual averages 2024→2025 (122.3 → 124.3, ×1.0164) = €958.43; converted at 1 EUR = 1.1399 USD (ECB, 2026-07-02) → $1,093.
Notes
Per-capita basis, to match how Spain, Czechia, Austria and France are computed in this dataset. ISTAT also publishes the real single-person household basket, which is what a solo mover actually faces: €1,931.70/month total, €1,347.48 after removing imputed and actual rent — about $1,561/month on the same uplift and FX. A person living alone has no household economies of scale, so read the $1,093 as the comparable cross-country figure and the $1,561 as the realistic personal one. No extrapolation into 2026 was applied beyond the 2025 annual average.
04Climate comfort
Genoastronger
7/12 mo

SettleMetric — computed from the Genoa 1991–2020 normals

Curated by SettleMetric

Data as of
Dec 31, 2020
Verified
Jul 28, 2026
Method
Months whose 1991–2020 normals have a mean daily maximum of 15–28°C and under 150mm of precipitation: March, April, May, June, July, September, November = 7. August is excluded at 28.3°C and October at 170mm of rain.
Milan
5/12 mo

SettleMetric — computed from the Milano Linate 1991–2020 WMO normals

Curated by SettleMetric

Data as of
Dec 31, 2020
Verified
Jul 28, 2026
Method
Months whose 1991–2020 normals have a mean daily maximum of 15–28°C and under 150mm of precipitation: March, April, May, June, September = 5. July and August exceed 28°C; October to February stay below 15°C.

03

The full comparison

Open any fact to see what it measures, how fresh it is and the complete source trail for both cities.

01

Taxes

1 verified fact
01+Freelancer tax burden% effective burden at €60k/year self-employed profileGenoa24.9Milan24.9

What this measures

Effective total burden (income tax + mandatory social and health contributions) for a solo IT freelancer with €60,000/year revenue and 10% deductible expenses, using the most favourable eligible scheme in the country's tax-schemes data. Computed by the SettleMetric tax engine; recorded as a curated value with the winning scheme id in method.

Lower is better· % effective burden at €60k/year self-employed profile· re-verified every 365 days

Genoa

SettleMetric tax engine over official 2026 rules (Agenzia delle Entrate regime forfetario; INPS circolare 8/2026)

Curated by SettleMetric

Data as of
Jan 1, 2026
Verified
Jul 28, 2026
Method
Best eligible scheme at €60,000 revenue for an IT freelancer = it-forfettario-it-67. Taxable base 67% × 60,000 = 40,200 (ATECO group 9 coefficient; expenses never reduce the base). INPS Gestione Separata 26.07% = 10,480.14, deducted from the forfeitary income → 29,719.86. Imposta sostitutiva 15% = 4,457.98. Levies 14,938.12 → 24.9%. The first five years of a new activity run at 5% instead (19.9%); the ordinary IRPEF route on the same profile is near 41%.

Milan

SettleMetric tax engine over official 2026 rules (Agenzia delle Entrate regime forfetario; INPS circolare 8/2026)

Curated by SettleMetric

Data as of
Jan 1, 2026
Verified
Jul 28, 2026
Method
Best eligible scheme at €60,000 revenue for an IT freelancer = it-forfettario-it-67. Taxable base 67% × 60,000 = 40,200 (ATECO group 9 coefficient; expenses never reduce the base). INPS Gestione Separata 26.07% = 10,480.14, deducted from the forfeitary income → 29,719.86. Imposta sostitutiva 15% = 4,457.98. Levies 14,938.12 → 24.9%. The first five years of a new activity run at 5% instead (19.9%); the ordinary IRPEF route on the same profile is near 41%.

02

Legalization

1 verified fact
01+Remote-work legalization easeGenoaDedicated nomad visaMilanDedicated nomad visa

What this measures

Best available legalization route for a location-independent earner with a median (non-EU, non-US) passport, classified from this country's legalization-paths data: dedicated digital-nomad visa; general freelance/self-employment permit; realistic long-stay path (e.g. renewable temporary residence); only short visa-free/tourist stays; effectively none.

Rated by category· re-verified every 180 days

Genoa

Decreto interministeriale 29 febbraio 2024 — ingresso e soggiorno di nomadi digitali e lavoratori da remoto (GU Serie Generale n. 79 del 4 aprile 2024)

Official source

Data as of
Apr 4, 2024
Verified
Jul 28, 2026
Notes
Italy has run a dedicated digital-nomad and remote-worker visa since the decree took effect on 4 April 2024. It sits outside the decreto-flussi quotas, needs no nulla osta, is issued for up to a year and renews annually. It is not a low bar: the work must be highly qualified in the sense of art. 27-quater of the immigration act, with at least six months of prior experience in the activity.

Milan

Decreto interministeriale 29 febbraio 2024 — ingresso e soggiorno di nomadi digitali e lavoratori da remoto (GU Serie Generale n. 79 del 4 aprile 2024)

Official source

Data as of
Apr 4, 2024
Verified
Jul 28, 2026
Notes
Italy has run a dedicated digital-nomad and remote-worker visa since the decree took effect on 4 April 2024. It sits outside the decreto-flussi quotas, needs no nulla osta, is issued for up to a year and renews annually. It is not a low bar: the work must be highly qualified in the sense of art. 27-quater of the immigration act, with at least six months of prior experience in the activity.

03

Cost of living

1 verified fact
01+Cost of living (single, excl. rent)USD/month, single person, excluding rentGenoa1,093Milan1,093

What this measures

Monthly cost of a defined single-person basket (food, transport, utilities, mobile+internet, modest leisure) excluding rent, curated from national statistics office price data and large local retailers' published prices, converted to USD at the ECB rate recorded in fx-rates. The method field of each value itemizes the basket inputs.

Lower is better· USD/month, single person, excluding rent· re-verified every 365 days

Genoa

ISTAT — Spese per consumi delle famiglie, Anno 2024 (Prospetto 4, tavole allegate)

Curated by SettleMetric

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Method
ISTAT household budget survey 2024: average monthly household spending €2,755.09, of which imputed rent (affitti figurativi) €617.39 → monetary spending €2,137.70. Actual rentals removed using Italy's 2025 HICP weight for COICOP 04.1 (29.51 per 1,000 = 2.951%, Eurostat prc_hicp_inw) = €63.08 → €2,074.62 excluding all rent. Divided by the average household size of 2.2 (Eurostat ilc_lvph01) = €943.01 per person per month; uplifted by HICP annual averages 2024→2025 (122.3 → 124.3, ×1.0164) = €958.43; converted at 1 EUR = 1.1399 USD (ECB, 2026-07-02) → $1,093.
Notes
Per-capita basis, to match how Spain, Czechia, Austria and France are computed in this dataset. ISTAT also publishes the real single-person household basket, which is what a solo mover actually faces: €1,931.70/month total, €1,347.48 after removing imputed and actual rent — about $1,561/month on the same uplift and FX. A person living alone has no household economies of scale, so read the $1,093 as the comparable cross-country figure and the $1,561 as the realistic personal one. No extrapolation into 2026 was applied beyond the 2025 annual average.

Milan

ISTAT — Spese per consumi delle famiglie, Anno 2024 (Prospetto 4, tavole allegate)

Curated by SettleMetric

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Method
ISTAT household budget survey 2024: average monthly household spending €2,755.09, of which imputed rent (affitti figurativi) €617.39 → monetary spending €2,137.70. Actual rentals removed using Italy's 2025 HICP weight for COICOP 04.1 (29.51 per 1,000 = 2.951%, Eurostat prc_hicp_inw) = €63.08 → €2,074.62 excluding all rent. Divided by the average household size of 2.2 (Eurostat ilc_lvph01) = €943.01 per person per month; uplifted by HICP annual averages 2024→2025 (122.3 → 124.3, ×1.0164) = €958.43; converted at 1 EUR = 1.1399 USD (ECB, 2026-07-02) → $1,093.
Notes
Per-capita basis, to match how Spain, Czechia, Austria and France are computed in this dataset. ISTAT also publishes the real single-person household basket, which is what a solo mover actually faces: €1,931.70/month total, €1,347.48 after removing imputed and actual rent — about $1,561/month on the same uplift and FX. A person living alone has no household economies of scale, so read the $1,093 as the comparable cross-country figure and the $1,561 as the realistic personal one. No extrapolation into 2026 was applied beyond the 2025 annual average.
Monthly spending by category (national, excl. rent)

ISTAT — Spese per consumi delle famiglie, Anno 2024 (Prospetto 4, divisioni di spesa)

Curated by SettleMetric

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Method
Each ISTAT 2024 spending division for all households, divided by the average household size 2.2, uplifted ×1.0164 (HICP 2024→2025) and converted at 1.1399 USD/EUR. The housing line is shown net of both imputed rent (€617.39/household) and actual rentals (€63.08, from the 2.951% HICP weight), leaving water, energy, maintenance and condominium charges. Items sum to $1,094 against the $1,093 headline; the €1 gap is rounding.
Notes
Food is the largest single line at a quarter of the basket — a high share for Western Europe, and one reason Italy's overall cost sits below France and Austria despite comparable incomes. Health is out-of-pocket only: the Servizio Sanitario Nazionale covers residents, with co-payments (ticket) and private consultations making up this line.
total1,094 USD/mo
Food & non-alcoholic beverages281 USD
Housing (water, energy, maintenance — excl. rent)160 USD
Transport157 USD
Restaurants & accommodation85 USD
Other goods & services (personal care, social protection, misc.)71 USD
Furnishings & household equipment61 USD
Health (out-of-pocket)61 USD
Recreation, sport & culture55 USD
Clothing & footwear54 USD
Insurance & financial services39 USD
Information & communication38 USD
Alcoholic beverages & tobacco23 USD
Education9 USD

04

Housing

0 verified facts

Rent by apartment type

Asking rent, central price with outside-centre in parentheses ($/mo).

Genoa

Immobiliare.it — Mercato immobiliare Genova, canoni di locazione richiesti per zona (giugno 2026)

Curated by SettleMetric

Data as of
Jun 30, 2026
Verified
Jul 28, 2026
Method
Two per-m² rates derived from the 18 zone quotations of June 2026: central = mean of the priciest quartile (5 zones) = €12.21/m²; outside the centre = mean of the cheapest quartile (5 zones, Apparizione to Sampierdarena) = €7.59/m². Applied to assumed floor areas — studio 35 m², 1BR 55 m², 2BR 80 m², 3BR 110 m² — and converted at 1 EUR = 1.1399 USD (ECB, 2026-07-02).
Notes
A three-bedroom flat in central Genoa costs less than a one-bedroom in central Milan. Note that Genoa's 'centre' quartile mixes the historic core with the seaside eastern districts (Albaro, Quarto), which are residential rather than central.
Milan

Immobiliare.it — Mercato immobiliare Milano, canoni di locazione richiesti per zona (giugno 2026)

Curated by SettleMetric

Data as of
Jun 30, 2026
Verified
Jul 28, 2026
Method
Two per-m² rates derived from the 32 zone quotations of June 2026: central = mean of the priciest quartile (8 zones) = €26.71/m²; outside the centre = mean of the cheapest quartile (8 zones, Bisceglie/Baggio to Affori/Bovisa) = €17.54/m². Applied to assumed floor areas — studio 35 m², 1BR 55 m², 2BR 80 m², 3BR 110 m² — and converted at 1 EUR = 1.1399 USD (ECB, 2026-07-02).
Notes
Milan's centre-to-periphery spread is only 1.5×, much flatter than Rome's 1.8×: even the cheapest quarter of Milan costs more per square metre than the average Roman zone, which is what makes the city expensive across the board rather than just in the centre.
01Studio
Genoacheaper
$487$303 outside
Milan
$1,066$700 outside
021-bedroom
Genoacheaper
$766$476 outside
Milan
$1,675$1,100 outside
032-bedroom
Genoacheaper
$1,114$692 outside
Milan
$2,436$1,599 outside
043-bedroom
Genoacheaper
$1,531$952 outside
Milan
$3,349$2,199 outside

05

Safety

1 verified fact
01+Homicide rateintentional homicides per 100,000/yearGenoa0.6Milan0.6

What this measures

Intentional homicide victims per 100,000 population, latest available year. Country level: UNODC national series. City level: official municipal/police statistics where published; otherwise null (country value shown as country-level).

Lower is better· intentional homicides per 100,000/year· re-verified every 730 days

Genoa

Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB)

Open data

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Notes
Police-recorded intentional homicide, 2024 (2023 was also 0.57). Dataset last updated by Eurostat 2026-04-29. Among the safest large countries in Europe — roughly half the French rate and a fifth of the global average — and down from 1.05 in 2008.

Milan

Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB)

Open data

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Notes
Police-recorded intentional homicide, 2024 (2023 was also 0.57). Dataset last updated by Eurostat 2026-04-29. Among the safest large countries in Europe — roughly half the French rate and a fifth of the global average — and down from 1.05 in 2008.

06

Climate

2 verified facts
01+Climate comfortpleasant months/yearGenoastronger7Milan5

What this measures

Number of months whose 1991–2020 climate normals satisfy: mean daily maximum between 15°C and 28°C and monthly precipitation under 150mm. Computed from the city's climate-normals indicator; the raw normals are stored alongside so users can judge by their own taste.

Higher is better· pleasant months/year· re-verified every 3650 days

Genoa

SettleMetric — computed from the Genoa 1991–2020 normals

Curated by SettleMetric

Data as of
Dec 31, 2020
Verified
Jul 28, 2026
Method
Months whose 1991–2020 normals have a mean daily maximum of 15–28°C and under 150mm of precipitation: March, April, May, June, July, September, November = 7. August is excluded at 28.3°C and October at 170mm of rain.

Milan

SettleMetric — computed from the Milano Linate 1991–2020 WMO normals

Curated by SettleMetric

Data as of
Dec 31, 2020
Verified
Jul 28, 2026
Method
Months whose 1991–2020 normals have a mean daily maximum of 15–28°C and under 150mm of precipitation: March, April, May, June, September = 5. July and August exceed 28°C; October to February stay below 15°C.
02+Air quality (PM2.5)µg/m³, annual mean PM2.5Genoastronger10.5Milan19

What this measures

Annual mean fine-particulate (PM2.5) concentration for the city, latest available year. Anchors follow the WHO 2021 guideline (5 µg/m³ → 10) through the EU limit value territory (25 µg/m³ → 2). Preferred source: European Environment Agency city-level air quality data; outside Europe: WHO Ambient Air Quality Database or the national monitoring network.

Lower is better· µg/m³, annual mean PM2.5· re-verified every 730 days

Genoa

European Environment Agency verified air-quality data for Genoa, 2024 — via the EU Air Quality Tracker

Open data

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Notes
Annual mean of 10.5 µg/m³ across six verified monitoring stations in 2024 — 2.1× the WHO guideline, but barely half Milan's reading. Coastal ventilation is the difference: sea breezes clear the air that the Po Valley traps.

Milan

European Environment Agency verified air-quality data for Milan (greater city), 2024 — via the EU Air Quality Tracker

Open data

Data as of
Dec 31, 2024
Verified
Jul 28, 2026
Notes
Annual mean of 19.0 µg/m³ across five verified monitoring stations in 2024 — 3.8× the WHO guideline of 5 µg/m³ and among the worst readings in Western Europe, though still under the EU's current 25 µg/m³ limit value. The cause is geography as much as traffic: the Po Valley is ringed by the Alps and Apennines, so winter inversions trap particulate matter for weeks. The EU's 2030 target is 10 µg/m³.

07

Healthcare

1 verified fact
01+Private healthcare costUSD/year, comprehensive private insurance premium, healthy 35-year-oldGenoano verified dataMilanno verified data

What this measures

Median of at least three publicly quoted annual premiums for comprehensive private medical insurance (outpatient + inpatient, ~$100k coverage, small deductible) for a healthy 35-year-old resident foreigner, from local and international insurers. Method field lists the insurers quoted.

Lower is better· USD/year, comprehensive private insurance premium, healthy 35-year-old· re-verified every 365 days

Genoa

No verified premium. Italian insurers do not publish individual health-policy tariffs the way French mutuelle comparators do, and the figures circulating on broker blogs (roughly €300–500 a year for a basic individual policy at 35) are not traceable to a named tariff table, so they are not recorded here. What is certain is the structure: residents — including foreigners with a residence permit — enrol in the Servizio Sanitario Nazionale, which covers GP care, hospital treatment and subsidised specialist care against a co-payment (ticket). Private policies in Italy are supplementary, bought mainly to skip public waiting lists, not a replacement. Non-residents on a digital-nomad or elective-residence visa must instead hold private travel/health insurance for the visa itself.

Milan

No verified premium. Italian insurers do not publish individual health-policy tariffs the way French mutuelle comparators do, and the figures circulating on broker blogs (roughly €300–500 a year for a basic individual policy at 35) are not traceable to a named tariff table, so they are not recorded here. What is certain is the structure: residents — including foreigners with a residence permit — enrol in the Servizio Sanitario Nazionale, which covers GP care, hospital treatment and subsidised specialist care against a co-payment (ticket). Private policies in Italy are supplementary, bought mainly to skip public waiting lists, not a replacement. Non-residents on a digital-nomad or elective-residence visa must instead hold private travel/health insurance for the visa itself.

08

Money & crypto

2 verified facts
01+Crypto regulationGenoaLegal regulatedMilanLegal regulated

What this measures

Own classification of the legal status of holding, trading and cashing out cryptocurrency for individuals: legal-friendly (legal with clear, favourable rules or explicit tax exemptions), legal-regulated (legal under standard licensing/AML and taxation), restricted (partial bans: payments or banking access prohibited), banned (holding/trading prohibited). Classified from national regulators' and central banks' official positions.

Rated by category· re-verified every 180 days

Genoa

Agenzia delle Entrate — Quadro RT, sezioni V-A1/V-B1: imposta sostitutiva 33% sulle plusvalenze da cripto-attività realizzate dal 1° gennaio 2026

Official source

Data as of
Jan 1, 2026
Verified
Jul 28, 2026
Notes
Legal and fully regulated, but taxed harder than most of Europe from 2026: the substitute tax on crypto capital gains (art. 67(1)(c-sexies) TUIR) rose from 26% to 33% on gains realised from 1 January 2026, and the previous €2,000 annual exemption threshold was abolished from 2025 — so the first euro of gain is taxable. Euro-denominated e-money tokens stay at 26%. Service providers operate under the EU MiCA regime, supervised by CONSOB and the Bank of Italy. Note that the regime forfettario's substitute tax does not cover capital gains: crypto is declared separately in quadro RT whatever your business regime.

Milan

Agenzia delle Entrate — Quadro RT, sezioni V-A1/V-B1: imposta sostitutiva 33% sulle plusvalenze da cripto-attività realizzate dal 1° gennaio 2026

Official source

Data as of
Jan 1, 2026
Verified
Jul 28, 2026
Notes
Legal and fully regulated, but taxed harder than most of Europe from 2026: the substitute tax on crypto capital gains (art. 67(1)(c-sexies) TUIR) rose from 26% to 33% on gains realised from 1 January 2026, and the previous €2,000 annual exemption threshold was abolished from 2025 — so the first euro of gain is taxable. Euro-denominated e-money tokens stay at 26%. Service providers operate under the EU MiCA regime, supervised by CONSOB and the Bank of Italy. Note that the regime forfettario's substitute tax does not cover capital gains: crypto is declared separately in quadro RT whatever your business regime.
02+Financial control levelGenoaLowMilanLow

What this measures

Own composite of state control over personal money flows: currency/capital controls (IMF AREAER), restrictions on foreign accounts and transfers, mandatory income declaration scope for residents, cash payment limits, banking access for foreigners. Low = free movement of personal funds and easy non-resident banking; very-high = strict capital controls and pervasive reporting. Method field on each value lists the inputs used.

Rated by category· re-verified every 365 days

Genoa

Agenzia delle Entrate — Limitazione all'uso del contante e deroga per cittadini stranieri non residenti

Official source

Data as of
Jan 1, 2023
Verified
Jul 28, 2026
Method
Composite: Italy uses the euro, with EU free movement of capital and no exchange or capital controls. The binding constraints are ordinary anti-money-laundering rules — a ceiling on cash transfers between parties (art. 49 of D.Lgs. 231/2007), a reporting duty on large cash tourism sales, and the RW section of the tax return, in which residents must declare foreign accounts and assets including crypto. Non-resident banking is available with standard KYC. None of this restricts moving your own money, so the classification is 'low', the same as France and Spain.
Notes
Two official sources disagree on the general cash ceiling and we flag rather than hide it: the 2023 Budget Law (law 197/2022) raised it from €1,000 to €5,000 from 1 January 2023, and this Agenzia delle Entrate page tracks that by setting the tourism cash-sale reporting threshold at €5,000 ('previously €1,000 until 2025'), while the Treasury's own prevention-of-financial-crime FAQ still displays €1,000 as the limit in force since 2022. Either figure lands Italy in the same band. Worth knowing separately: Italy's declaration duty for foreign-held assets is broad, and penalties for undeclared foreign accounts are real.

Milan

Agenzia delle Entrate — Limitazione all'uso del contante e deroga per cittadini stranieri non residenti

Official source

Data as of
Jan 1, 2023
Verified
Jul 28, 2026
Method
Composite: Italy uses the euro, with EU free movement of capital and no exchange or capital controls. The binding constraints are ordinary anti-money-laundering rules — a ceiling on cash transfers between parties (art. 49 of D.Lgs. 231/2007), a reporting duty on large cash tourism sales, and the RW section of the tax return, in which residents must declare foreign accounts and assets including crypto. Non-resident banking is available with standard KYC. None of this restricts moving your own money, so the classification is 'low', the same as France and Spain.
Notes
Two official sources disagree on the general cash ceiling and we flag rather than hide it: the 2023 Budget Law (law 197/2022) raised it from €1,000 to €5,000 from 1 January 2023, and this Agenzia delle Entrate page tracks that by setting the tourism cash-sale reporting threshold at €5,000 ('previously €1,000 until 2025'), while the Treasury's own prevention-of-financial-crime FAQ still displays €1,000 as the limit in force since 2022. Either figure lands Italy in the same band. Worth knowing separately: Italy's declaration duty for foreign-held assets is broad, and penalties for undeclared foreign accounts are real.

09

Infrastructure

3 verified facts
01+Domestic delivery qualityGenoaGoodMilanGood

What this measures

Quality of in-country parcel delivery. excellent = nationwide next-day widely available, dense parcel-locker network, real-time tracking standard; good = 1–3 day delivery, lockers in major cities; basic = reliable but slow (3–7 days), mostly to-door or post-office pickup; poor = unreliable delivery, street addresses often unusable, informal workarounds common. Classified from official service/coverage data of the national postal operator and the two largest private carriers; inputs itemized in each value's method field.

Rated by category· re-verified every 730 days

Genoa

Poste Italiane — Rete Punto Poste (punti di ritiro e Locker)

Curated by SettleMetric

Data as of
Jul 28, 2026
Verified
Jul 28, 2026
Method
Poste Italiane's Punto Poste network lists over 18,000 pickup points and lockers, and more than 30,000 proximity points counting post offices, alongside private networks — BRT, GLS, SDA, DHL, UPS and InPost Italia. Home delivery is nationwide with next-day options in the north and centre. Rated 'good' rather than 'excellent': locker density is far below Poland's or France's (Poste's own locker estate is in the low thousands, against ~26,000 InPost lockers in Poland), and delivery reliability is noticeably weaker in the south and on the islands.
Notes
Cash on delivery (contrassegno) is still a mainstream consumer option in Italy, unlike in France — a legacy of lower card penetration that remains useful for anyone without an Italian bank card yet.

Milan

Poste Italiane — Rete Punto Poste (punti di ritiro e Locker)

Curated by SettleMetric

Data as of
Jul 28, 2026
Verified
Jul 28, 2026
Method
Poste Italiane's Punto Poste network lists over 18,000 pickup points and lockers, and more than 30,000 proximity points counting post offices, alongside private networks — BRT, GLS, SDA, DHL, UPS and InPost Italia. Home delivery is nationwide with next-day options in the north and centre. Rated 'good' rather than 'excellent': locker density is far below Poland's or France's (Poste's own locker estate is in the low thousands, against ~26,000 InPost lockers in Poland), and delivery reliability is noticeably weaker in the south and on the islands.
Notes
Cash on delivery (contrassegno) is still a mainstream consumer option in Italy, unlike in France — a legacy of lower card penetration that remains useful for anyone without an Italian bank card yet.
02+International delivery easeGenoaMinor frictionMilanMinor friction

What this measures

Ease of receiving goods from abroad. seamless = major international carriers deliver door-to-door, meaningful duty-free de-minimis threshold, customs clearance predictable in days; minor-friction = carriers present but low de-minimis, extra paperwork or routine delays; significant-friction = frequent customs holds, high brokerage fees, some marketplaces refuse to ship; unreliable = parcels regularly lost or blocked, informal import channels dominate. De-minimis thresholds and clearance rules from the national customs authority (official source, cite the regulation); carrier presence from carriers' official pages.

Rated by category· re-verified every 365 days

Genoa

European Commission — removal of the €150 customs duty exemption threshold for e-commerce imports (from 1 July 2026)

Official source

Data as of
Jul 1, 2026
Verified
Jul 28, 2026
Notes
Intra-EU shipping is frictionless under the single market — a parcel from Germany or Spain arrives like a domestic one. For non-EU imports the EU removed the €150 duty-free threshold and from 1 July 2026 applies a temporary flat customs duty per item on consignments up to €150, with VAT already collected at checkout through IOSS. The same EU-wide regime as every member state; Italian customs handling of non-EU parcels is slower than northern Europe's, which is the 'minor friction' in practice.

Milan

European Commission — removal of the €150 customs duty exemption threshold for e-commerce imports (from 1 July 2026)

Official source

Data as of
Jul 1, 2026
Verified
Jul 28, 2026
Notes
Intra-EU shipping is frictionless under the single market — a parcel from Germany or Spain arrives like a domestic one. For non-EU imports the EU removed the €150 duty-free threshold and from 1 July 2026 applies a temporary flat customs duty per item on consignments up to €150, with VAT already collected at checkout through IOSS. The same EU-wide regime as every member state; Italian customs handling of non-EU parcels is slower than northern Europe's, which is the 'minor friction' in practice.
03+Internet speedMbps, median fixed downloadGenoa27.4Milan27.4

What this measures

Median fixed-broadband download speed over the trailing 6 months from M-Lab NDT open data (CC0), aggregated at country or city level. Not comparable with Ookla figures (different test methodology) — do not mix sources within this criterion.

Higher is better· Mbps, median fixed download· re-verified every 365 days

Genoa

M-Lab NDT country aggregates for Italy

Open data

Data as of
Dec 31, 2023
Verified
Jul 28, 2026
Method
Median of the 344 daily country-median download values for IT in 2023 (17.42M download tests; daily medians ranged 8.6–29.9 Mbps). M-Lab NDT is single-stream and reads well below advertised or Ookla-style figures — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
Notes
Low by Western European standards on this metric: Italy's copper legacy is long and FTTH rollout, while accelerating under the national broadband plan, still lags France and Spain. Fibre is available in the three modelled cities; rural and southern coverage is where the national median is lost.

Milan

M-Lab NDT country aggregates for Italy

Open data

Data as of
Dec 31, 2023
Verified
Jul 28, 2026
Method
Median of the 344 daily country-median download values for IT in 2023 (17.42M download tests; daily medians ranged 8.6–29.9 Mbps). M-Lab NDT is single-stream and reads well below advertised or Ookla-style figures — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
Notes
Low by Western European standards on this metric: Italy's copper legacy is long and FTTH rollout, while accelerating under the national broadband plan, still lags France and Spain. Fibre is available in the three modelled cities; rural and southern coverage is where the national median is lost.

10

Language

1 verified fact
01+English proficiencyGenoaModerateMilanModerate

What this measures

Own banding of how far English gets a resident in daily life (government offices, healthcare, housing, services). Informed by EF EPI band (research source, cited with attribution, not republished) plus official language status and service-sector realities. Values are our bands, not EF scores.

Rated by category· re-verified every 730 days

Genoa

EF EPI 2025 — Italy (score 513, rank 59/123, Moderate band)

Research

Data as of
Nov 1, 2025
Verified
Jul 28, 2026
Notes
Own band informed by EF EPI 2025 (attribution: EF Education First): Italy score 513, global rank 59, 'Moderate' band (EF cutoffs: Moderate 500–549), down 15 points on the previous edition. Reading scores highest (534) and speaking lowest (417), which matches the lived experience: written and technical English is workable in Milan's professional world, but Italian is required for administration, healthcare and most daily life, and proficiency falls sharply from north to south.

Milan

EF EPI 2025 — Italy (score 513, rank 59/123, Moderate band)

Research

Data as of
Nov 1, 2025
Verified
Jul 28, 2026
Notes
Own band informed by EF EPI 2025 (attribution: EF Education First): Italy score 513, global rank 59, 'Moderate' band (EF cutoffs: Moderate 500–549), down 15 points on the previous edition. Reading scores highest (534) and speaking lowest (417), which matches the lived experience: written and technical English is workable in Milan's professional world, but Italian is required for administration, healthcare and most daily life, and proficiency falls sharply from north to south.

11

Education

1 verified fact
01+International schoolsaccredited international schools, countGenoano verified dataMilanno verified data

What this measures

Count of international schools in the metro area accredited by or member of IB, CIS, COBIS, or an equivalent national-curriculum-abroad body (verified against the accreditor's public registry, not aggregator sites).

Higher is better· accredited international schools, count· re-verified every 730 days

Genoa

No verified data yet

Milan

No verified data yet