Part one · 2 steps

Visa & residency

Start the Elective Residence Visa (Visto per Residenza Elettiva / ERV) path
Italy's route for retirees. Plan on roughly $2,999/month of provable income — pension, Social Security, dividends — and expect the consulate to want it documented. The current read:
From our Palermo research
Italy's retiree route. The stated 2026 minimum stable PASSIVE income is ~€31,000/yr single (~€2,580/mo; shown ~$2,950/mo) and ~€38,000/yr for a couple (+~20% spouse, +5%/dependent), from pensions/Social Security/investments/rentals — savings alone don't count and a strict no-work clause applies. Apply at your home US consulate before moving, hold a 12-month lease or owned property in your name, then file for a permesso di soggiorno within 8 working days of arrival. Pitfalls: consulates exercise wide discretion and often demand income well above the floor (some advisors target ~€100k/yr), reject short-term or thin housing and non-passive income, and processing can take ~3 months. Renewable, with a path toward long-term residency/citizenship.
Read the full Palermo profile →
Get key documents apostilled + certified-translated
Birth/marriage certificates, background checks — start early; it's slow, and every residency application wants them.
Our visa paperwork guide →
Part two · 3 steps

Healthcare

Map your care in Palermo
Know where you'd go before you need it — the hospital for something serious, the specialist, the pharmacy that speaks English. Here's our current read:
From our Palermo research
Better than its southern-Italy reputation, anchored by a genuine standout: ISMETT (IRCCS) is a transplant/high-specialty center run with the University of Pittsburgh Medical Center (UPMC) and the first in southern Italy with Joint Commission International (JCI) accreditation — meaningful for English-speaking, US-style care. The huge public ARNAS Civico is southern Italy's largest hospital (emergency, transplant, oncology), and Policlinico Giaccone is the university teaching hospital. Public SSN care is low-cost but slower than the north, with English not guaranteed, so most expats add private insurance. For complex elective cases, the mainland (Rome ~1h flight, Milan) is the fallback.
Read the full Palermo profile →
Know what Medicare does — and doesn't — cover abroad
Original Medicare generally doesn't cover care outside the US. Whatever your plan becomes, it has to answer that gap.
Medicare abroad, explained →
Compare international / expat health insurance
See what international health plans actually cover — and what they cost.
Part three · 5 steps

Money & taxes

Pressure-test your Palermo budget
A comfortable month in Palermo runs about $2,558 for a couple, at current exchange rates. Build your own version on top of that base — your rent tier, your healthcare, your flights home — and see what's left over.
Build the real monthly number →
Understand US taxes as an expat in Italy
You still file US taxes abroad, and FBAR applies once foreign accounts pass $10,000. The country side matters just as much:
From our Palermo research
Italy taxes residents on WORLDWIDE income at progressive 23-43% rates plus surcharges. Sicily IS one of the eight southern regions where Italy's 7% flat tax for foreign pensioners can apply — but ONLY in municipalities of 30,000 or fewer residents (raised from 20,000 in Apr 2026), so Palermo (~630k) is firmly excluded; smaller Sicilian towns qualify if you register there. The US-Italy treaty prevents double taxation (US Social Security generally taxable only in Italy; foreign tax credits), but US citizens still file with the IRS plus FBAR/FATCA. In Palermo proper, expect ordinary Italian rates. Get cross-border tax advice.
Read the full Palermo profile →
US taxes abroad, explained →
Set up low-fee international money transfers
Bank wires quietly cost 3–5% in bad FX; specialists are far cheaper.
Have someone check the retirement math before you commit
Plan day-to-day cash + card access (and a backup card)
Check your cards' foreign-ATM fees before you go, and carry a backup card on a different network in case one gets swallowed.
Part four · 4 steps

The scouting trip

Book the Palermo reconnaissance trip
Not a vacation — a rehearsal. Rent in an ordinary neighborhood for a few weeks and live a normal week: groceries, buses, a doctor's appointment, a quiet Tuesday. Getting there and back:
From our Palermo research
Surprisingly decent for the deep south. United flies a nonstop Newark (EWR)-Palermo (PMO) route (~10h20m, ~3x/week, seasonal-leaning) and Neos adds a seasonal JFK nonstop in summer; otherwise the only intercontinental links are Africa/Middle East. Off-peak, most US trips connect via a European hub or Rome/Milan, ~12-15h door-to-door. Better US access than Bologna or Cagliari, but the nonstop is limited — verify dates first.
Read the full Palermo profile →
Compare trip insurance for the scouting trip
Read the safety picture for yourself
Palermo sits under a US State Department Level 2 (“exercise increased caution”) advisory. Check the current one before you book, then weigh it against the on-the-ground picture:
From our Palermo research
Far safer day-to-day than the mafia headlines suggest — Cosa Nostra's business is extortion (pizzo), construction and contracts, not tourists or foreign residents, who are essentially never targets. ISTAT data rank Palermo below the Italian average for violent crime; Numbeo's perception index (~45) is moderate. The everyday risk is petty crime: pickpocketing, bag-snatching and market scams (Ballaro, Vucciria), at the station and in tourist crush. Central Politeama, Teatro Massimo and Kalsa, plus Mondello, are comfortable at most hours; peripheral Brancaccio, ZEN and Villagrazia-Falsomiele, plus Ballaro late at night, are best avoided. Solo women generally report it as fine with care.
Read the full Palermo profile →
Check the current advisory →
Test the season, not the postcard
Every place has a month the brochures skip. If you can, scout in the worst one:
From our Palermo research
Classic coastal Mediterranean and one of Italy's mildest cities. Summers are hot and dry (Jul-Aug highs ~30-32C/86-90F, ~half of summer days in the 30s C, with sirocco spells pushing higher); winters are mild and wet (Jan highs ~14-15C/58F, lows ~10C/50F) with rain concentrated Oct-Jan (Nov peak). ~2,500-2,700 sunshine hours/yr. Not 'warm year-round' but no real cold; humid in summer and breezy near the sea.
Read the full Palermo profile →
Part five · 6 steps

The move itself

Rent first — live a full season before you even think about buying
The single biggest regret-saver. The market isn't going anywhere.
Book a short-term furnished rental for your landing
Give yourself 1–3 months to find the right neighborhood.
Decide what to ship, store, or sell
Shipping a household is expensive; many movers regret over-shipping.
Re-home your US mail before you go
Banks, the IRS, Medicare — the mail keeps coming after you leave. Keep a US address you check from anywhere, or hand the whole job to a service.
Sort pet import + airline requirements early
Timelines for vaccines and paperwork can be months.
Our pet-move guide →
Scan and cloud-back-up every key document
Passports, prescriptions, insurance cards, the marriage certificate — one folder you can open from any phone, anywhere.
Part six · 4 steps

Settling in

Find your people in Palermo
Loneliness is the #1 reason people move home — build the community before you build anything else. What's already there:
From our Palermo research
Modest and Italian-integrated, not a packaged Anglophone scene. A growing trickle of American/Northern-European retirees and remote workers, some Facebook groups and a handful of English-speaking services and private doctors, but you will largely live in Italian (and amid strong Sicilian dialect) and be 'the foreigner' rather than one of a crowd. Best for someone who wants authentic immersion and tolerates bureaucracy and a certain everyday chaos, not a turnkey expat bubble.
Read the full Palermo profile →
Join the expat community before you arrive
Start the conversations months before the flight.
Our community guide →
Set up a local SIM + home internet
If your phone's unlocked, an eSIM can cover you from day one; sort home internet once you have an address.
Start the language — even 20 words changes everything
Italian is what your daily life will run in — the clinic front desk, the market, the neighbors. A head start pays off from day one.

Partner-marked links may pay Second Summer a referral fee if you choose them. Rankings are never pay-to-rank. How partners work

← Back to the destination explorer