Where to Buy a House in Umbria: Italy’s Green Heart for Expats and Investors

Why Choose Umbria?

Umbria is a favorite among expats and investors seeking beauty, space, and value. Here’s why it stands out:

• Lower prices than Tuscany, but similar scenery
• Rich culture — Perugia, Assisi, Spoleto, Orvieto
• Easy access to Rome and Florence
• Strong rental potential from tourism and digital nomads

It’s an ideal choice for those who want Italy’s natural beauty without the crowds or inflated costs.

How Much Does Property in Umbria Cost?

Umbria offers a wide range of options for buyers:

• Village apartments or townhouses: €100,000 – €250,000
• Country homes or farmhouses: €250,000 – €600,000
• Luxury restored villas: €700,000 – €1.5 million+

Prices remain 20–30% lower than similar properties in Tuscany, making Umbria attractive for both lifestyle buyers and long-term investors.

Best Areas to Buy in Umbria

Here are a few top locations to consider:

• Perugia – the regional capital, lively and cultural.
• Spoleto – known for its arts festival and history.
• Orvieto – beautiful architecture and proximity to Rome.
• Todi – popular with expats for its peaceful countryside.
• Lake Trasimeno – scenic area with strong rental demand.

Each offers a unique lifestyle — from city sophistication to rural tranquility.

Can Foreigners Buy Property in Umbria?

Yes, foreigners can buy freely in Umbria. You’ll need:

• An Italian tax code (Codice Fiscale)
• A notary (Notaio) to handle the legal transfer
• Payment of taxes and fees at signing

LikeJunco helps buyers prepare the necessary documents and coordinates with local banks for financing approval before you sign.

Financing a Home in Umbria

Even with moderate prices, many buyers prefer to finance their purchase to maintain liquidity or invest in renovations.

At LikeJunco, we help international clients by:

• Securing mortgages from Italian banks that work with non-residents
• Advising on renovation loans for countryside properties
• Comparing fixed and variable rates to find the best fit
• Simplifying the entire application process with bilingual support

Our goal is to make the Italian mortgage process clear, efficient, and stress-free.

Step-by-Step: Buying Property in Umbria

• Select your preferred area — countryside, city, or lake view.
• Request your Codice Fiscale — required for property transactions.
• Get pre-approved for financing — LikeJunco handles this with partner banks.
• Make your offer and sign the preliminary contract (Compromesso).
• Finalize the sale with a notary — mortgage and deed registration complete.

Challenges and Tips

Buying in Umbria is straightforward, but keep in mind:

• Rural homes may need renovation and utility upgrades.
• Transport links can be limited in small towns.
• Italian bureaucracy can be slow — preparation helps.

This is where LikeJunco’s experience becomes invaluable: we know the process, the lenders, and how to make each step simpler.

How LikeJunco Supports Buyers in Umbria

LikeJunco acts as your trusted mortgage partner by:

• Offering personalized financing solutions for foreign buyers
• Handling communication with banks and notaries
• Providing transparent advice from first consultation to closing
• Ensuring a smooth experience whether you’re buying for lifestyle or investment

We combine Italian know-how with international service standards — so you can buy with confidence.

Final Thoughts

With its beauty, value, and accessibility, Umbria is one of Italy’s smartest choices in 2025 for expats and investors alike. Whether you dream of a restored farmhouse or a cozy apartment in a medieval town, it’s all within reach — especially with the right financing.

👉 Book a free consultation with a LikeJunco advisor to explore how we can help you secure a mortgage and buy your home in Italy’s green heart.

FAQs About Buying in Umbria

1. Is Umbria cheaper than Tuscany?
Yes — property in Umbria is typically 20–30% less expensive than comparable homes in Tuscany, offering excellent value.

2. Can foreigners get a mortgage in Umbria?
Absolutely. LikeJunco helps non-residents access Italian mortgages and renovation loans tailored to their needs.

3. What types of property are most popular?
Rural farmhouses and historic apartments in towns like Spoleto, Orvieto, and Perugia are highly sought after.

4. Is Umbria good for rental income?
Yes. Tourism is strong, especially around Lake Trasimeno and Assisi, making short-term rentals a solid option.

5. Do I need to live in Italy to buy in Umbria?
No. Non-residents can purchase freely. You’ll just need an Italian tax code and a notary to complete the sale.

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