Navigating the cost of living in Turkey is a crucial step for expats considering making the vibrant and culturally rich country their new home. With its diverse landscape, ranging from bustling metropolises to serene villages, Turkey offers a variety of living experiences that can significantly differ in cost. This guide provides an in-depth look at your expected expenses, from housing and utilities to food, transportation, and healthcare.
Whether you’re drawn to the urban allure of Istanbul or the tranquil life in rural areas, understanding the financial implications is key to a successful transition. So, let’s dive into the details and help you prepare for life in this cross-continental nation.
What’s the Cost of Living in Turkey?
Accommodation
Monthly rent:
| Studio Apartment (City Center) | 2500-4500 TRY (80-144USD) |
| Studio Apartment (Outside City Center) | 1500-3000 TRY (48-96 USD) |
| 1 Bedroom Apartment (City Center) | 3000-5500 TRY (96-176 USD) |
| 1 Bedroom Apartment (Outside City Center) | 2000-3500 TRY (64-112 USD) |
| 3 Bedroom Apartment (City Center) | 5000-9000 TRY (160-288 USD) |
| 3 Bedroom Apartment (Outside City Center) | 3000-6000 TRY (96-192 USD) |
Property Prices:
| Studio apartment (City Center) | 4000-10,000 TRY (128-321 USD) per square meter |
| Studio apartment (Outside City Center) | 2000-5000 TRY (64-160 USD) per square meter |
When purchasing property in Turkey, additional expenses such as council tax must be considered. This tax varies based on property value and the number of individuals on the title deed. In Didim, council tax for a standard two-bedroom apartment may be between 780 TRY (USD 25 and USD 30) per year. However, it can be higher in other regions.
Earthquake insurance is mandatory, with an annual premium for a 70-square-meter apartment estimated at 3900-4000 TRY (USD 125 to USD 130). Apartments within complexes incur a monthly maintenance fee for communal services, ranging from 1557-6300 TRY (USD 50 to USD 200) based on the complex’s amenities.
Groceries
| Milk (1L) | 4-7 TRY (0.13-0.22 USD) |
| Bread (500g) | 2-4 TRY (0.064-0.13 USD) |
| Eggs (A dozen) | 10-20 TRY (0.32-0.64 USD) |
| Chicken Thigh (1kg) | 20-40 TRY (0.64-1.28 USD) |
| Oranges (1kg) | 3-5 TRY (0.096-0.16 USD) |
| Bananas (1kg) | 6-10 TRY (0.19-0.32 USD) |
| Apples (1kg) | 4-8 TRY (0.13-0.26 USD) |
| Potatoes (1kg) | 2-4 TRY (0.064-0.13 USD) |
| Rice (1kg) | 5-10 TRY (0.16-0.32 USD) |
| Tomatoes (1kg) | 3-7 TRY (0.096-0.22 USD) |
| Onion (1kg) | 2-5 TRY (0.064-0.16 USD) |
| Cheese (500g) | 14-25 TRY (0.45-0.8 USD) |
| Bottle of wine (mid-range) | 50-100 TRY (1.61-3.21 USD) |
| Domestic beer (500ml) | 12-20 TRY (0.40-0.64 USD) |
| Bottle of water (1.5L) | 1-3 TRY (0.032-0.096 USD) |
Restaurants/takeaway
| Fast food (meal for one) | 35-70 TRY (1.12-2.24 USD) |
| Casual restaurant (meal for one) | 50-100 TRY (1.61-3.21 USD) |
| Mid-range restaurant (meal for one) | 90-180 TRY (2.90-5.80 USD) |
| Expensive restaurant (meal for one) | 250-500 TRY (8-16 USD) |
| Bottle of wine | 75-150 TRY (2.41-4.80 USD) |
| Domestic beer (0.5L) | 20-40 TRY (0.64-1.28 USD) |
| Cappuccino | 12-24 TRY (0.40-0.80 USD) |
Utilities (monthly for an 82m squared apartment)
| Basic (Electricity, Heating, Cooling, Water, Garbage) for an apartment | 500-1000 TRY (16-32 USD) |
| Home internet (monthly) | 100-200 TRY (3.21-6.42 USD) |
| Phone plan (monthly) | 40-80 TRY (1.30-2.60 USD) |
Transport
| Public transport monthly pass | 200-350 TRY (6.40-11.20 USD) |
| Single bus ticket | 3-7 TRY (0.096-0.22 USD) |
| Metro ticket | 3-7 TRY (0.096-0.22 USD) |
| Ferry ticket | 5-10 TRY (0.16-0.32 USD) |
| Tram ticket | 3-7 TRY (0.096-0.22 USD) |
| Taxi (1km) | 5-10 TRY (0.16-0.32 USD) |
| Rental car (daily) | 300-600 TRY (9.60-19.20 USD) |
| Gasoline (1 litre) | 22-25 TRY (0.70-0.80 USD) |
| Brand new car (small sedan) | 200,000-300,000 TRY (6421-9631 USD) |
* Children under six ride for free
Entertainment
| Movie tickets for 2 | 70-120 TRY (2.25-3.85 USD) |
| Gym membership (monthly) | 150-300 TRY (4.82-9.60 USD) |
| Museum tickets for 2 | 40-100 TRY (1.28-3.21 USD) |
| Massage (30 minutes) | 150-250 TRY (4.82-8 USD) |
| Theme park ticket | 150-300 TRY (4.82-9.60 USD) |
| Bowling tickets for 2 | 50-100 TRY (1.61-3.21 USD) |
Housemaid Services
| Housemaid services (monthly) | 3000-7000 TRY (96-224 USD) |
| Cleaning (per hour) | 50-100 TRY (1.61-3.21 USD) |
Healthcare
| Basic health insurance (annually) | 2400-3200 TRY (77-102 USD) |
| Comprehensive health insurance (annually) | 3200-22,000 TRY (102-706 USD) |
| Premium health insurance (annually) | 40,000-60,000 TRY (1284-1926 USD) |
| Short visit to the doctor (without insurance) | 100-200 TRY (3.20-6.40 USD) |
| X-ray | 80-320 TRY (2.60-10.30 USD) |
| Ultrasound | 160-320 TRY (5.15-10.30 USD) |
| Dental checkup | 160-320 TRY (5.15-10.30 USD) |
After residing in Turkey for one year, immigrants can apply for SGK coverage (social security) unless they have equivalent coverage in their home country. Most medical services are covered, but patients typically pay about 20% of medication costs, with retirees paying less than four estimated monthly costs. For broader coverage, expatriates often select international health insurance plans, which offer a range of options and prices.
Education
Preschool/kindergarten fees:
| Preschool/kindergarten | 20,000-40,000 TRY (642-1284 USD) |
International school tuition fees:
| Grade 5 | 60,000-80,000 TRY (1926-2568 USD) |
| Grade 6-8 | 80,000-100,000 TRY (2568-2110USD) |
| Grade 9-10 | 100,000-120,000 TRY (2110-2852 USD) |
| Grade 11-12 | 120,000-140,000 TRY (2852-4494 USD) |
Undergraduate fees:
| Undergraduate degree (public) | 600-4000 TRY (19-128 USD) |
| Undergraduate degree (private) | 40,000-150,000 TRY (128-4815.98 USD) |
Scholarships
Turkey has become an increasingly attractive destination for international students due to its rich cultural heritage, strategic location, and generous scholarship opportunities. These scholarships aim to reduce the financial burden of tuition fees and living costs, making higher education more accessible to a global audience. There are a range of scholarships available:
Government Scholarships: The Turkish government actively promotes international education through its scholarship programs. The Türkiye Scholarships, for instance, are highly sought after. They cover full tuition fees and provide stipends, health insurance, accommodation, and Turkish language courses. The scope and benefits of these scholarships have contributed significantly to the increase in the international student population in Turkey since their inception.
University Scholarships: Many Turkish universities offer scholarships based on academic excellence and entrance exam results. These scholarships can range from partial to full tuition waivers and may include additional benefits such as monthly allowances, free accommodation, and health insurance. Foundation universities, in particular, are known for offering merit-based scholarships that comprehensively support students’ financial needs.
External Scholarships: External entities, including corporate sponsors and international organizations like the Islamic Development Bank, also offer scholarships to study in Turkey. These scholarships usually target specific fields of study or student nationalities with varying eligibility criteria.
Eligibility and Application: While some scholarships target students from specific countries and may be promoted through diplomatic channels, the eligibility criteria can differ. Prospective students need to research and apply for scholarships for which they qualify. For government and university-specific scholarships, applications can often be made directly through the respective websites.
Before Arrival: Securing a scholarship typically results in issuing a confirmation letter from the university, which is crucial for obtaining a student visa. Upon arrival, international students must apply for a student residence permit to legally stay in Turkey for their studies. The International Affairs Office of the chosen university is an invaluable resource for guidance on scholarships, visas, and other preparatory steps.
Overall Living Expenses
| Monthly expenses for 1 person | 3500-5000 TRY (112-160 USD) |
| Monthly expenses for a couple | 6000-8000 TRY (160-256 USD) |
| Monthly expenses for a family of 4 | 10,000-15,000 TRY (321-481 USD) |
What Do Turkish Residents Earn?
| Median salary (monthly) | 9830 TRY (315 USD) |
| Average salary (monthly) | 7980 TRY (256 USD) |
In Turkey, the average salary varies widely depending on the industry, level of experience, and region. As of recent data, the national average monthly salary hovers at 8000 Turkish Lira (TRY). This figure represents a broad average across various sectors, from entry-level positions to more experienced roles. Major cities like Istanbul, Ankara, and Izmir often offer higher salaries due to the higher cost of living and the concentration of multinational companies and industries. However, it’s important to note that specific fields such as IT, engineering, finance, and management can command significantly higher wages compared to the national average. The variation in salaries underscores the importance of considering the local economic landscape and industry standards when evaluating employment opportunities in Turkey.
Factors That Influence the Cost of Living
Living costs in Turkey can vary widely and are influenced by several factors. Location is key, with urban centers typically having a higher cost of living than rural villages. The lifestyle choices you make also play a big part in your expenses.
For instance, if you choose local markets for food shopping, which offer seasonal fruits and vegetables, you’ll likely save money. However, if you prefer international cuisine or dining at upscale restaurants, your monthly expenses will increase. Decisions about whether to send your kids to public or private schools, as well as choosing between public transportation and owning a car, will also impact your overall cost of living.
Urban vs. Rural Cost Differences
There’s a clear difference between urban and rural living costs in Turkey. Big cities like Istanbul, Ankara, and Izmir are the priciest places to live because they’re centers of commerce, tourism, and the economy. Even still, these cities are much more affordable than many Western cities.
For example, the estimated monthly cost for a family of four, excluding rent, is about 59,676 TRY (USD 1,916) in Istanbul. In Ankara, it’s lower at 47307 TRY (USD 1,519). Conversely, living in a rural village can slash these costs significantly, offering a quieter lifestyle for much less.
Seasonal Variations in Expenses
Seasonal changes in Turkey can also impact your living costs, especially regarding utilities. In the winter, heating costs can bump up your electricity and gas bills, which usually aren’t included in the monthly rent amount. This is important to remember when planning your budget for a new life in Turkey.
A Guide to Choosing Your Ideal Location in Turkey
Urban Appeal: Life in the City
Cities like Istanbul, Ankara, Izmir, and Antalya attract residents with their dynamic mix of modern amenities, cultural heritage, and employment opportunities. Living in a city, you’ll have access to extensive public transportation networks, reducing the need for a personal vehicle and thus lowering your transportation costs. Urban centers also offer a plethora of dining, entertainment, and shopping options alongside renowned historical sites and museums.
The Charm of Rural and Coastal Turkey
Turkey’s rural areas and coastal towns present a compelling choice for those seeking tranquility or a closer connection to nature. Life here moves at a slower pace, offering a sense of community and a connection to traditional Turkish lifestyles. However, living in the rural areas of Turkey will limit access to public transport and will most likely necessitate buying a car. Purchasing a vehicle in Turkey is a substantial expense due to high taxation and inflation. In 2021, the cost of imported vehicles nearly doubled. Third-party insurance is also a legal requirement for all vehicle owners. With that in mind, coastal areas are very popular for their stunning beaches, maritime activities, and tourist-friendly amenities.
Cultural and Social Life
Turkey’s rich cultural tapestry is reflected in its diverse regions. Urban centers boast a vibrant arts scene, international cuisines, and social events, making them ideal for those seeking an active social life. On the other hand, living in a smaller town or rural area can provide a deeper immersion into Turkish culture and traditions, offering a unique opportunity to connect with local communities and customs.
Educational and Professional Opportunities
Considering the availability of educational institutions and job opportunities is crucial for families and professionals. Larger cities offer various international schools, universities, and career prospects across various industries. In contrast, smaller towns and rural areas might offer limited options in this regard but could present unique entrepreneurial or lifestyle-driven opportunities.
Environmental and Lifestyle Preferences
Finally, your preferences for climate, recreational activities, and lifestyle should guide your choice. Whether you’re drawn to the mild Mediterranean climate of the Aegean coast, the bustling city life of Istanbul, or the serene landscapes of the Anatolian countryside, Turkey offers a locale to match nearly every preference.
Final Thoughts on Turkey’s Living Costs
When considering moving to Turkey, the cost of living is a crucial factor that shapes where you might decide to live. Turkey offers diverse living options that cater to various budgets, from the vibrant city life in Istanbul to the tranquil settings of its coastal and rural areas. The choice of location directly impacts your daily expenses, including housing, food, transportation, and leisure activities.
After factoring in the cost of living, your decision on where to reside in Turkey should align with your lifestyle preferences and personal values. Whether you’re drawn to the cultural richness of urban centers or the peacefulness of the countryside, Turkey’s varied landscapes provide a backdrop for all kinds of lifestyles.
Balancing these considerations will not only help you manage your finances effectively but also ensure a fulfilling living experience in Turkey. Thoughtful planning and a clear understanding of both the cost of living and the qualities of different regions can guide you to a location that feels like home and suits your budget and lifestyle.
FAQs
How much money do I need to live comfortably in Turkey?
Living comfortably in Turkey can vary depending on the lifestyle and city. A single person’s estimated monthly costs without rent are around 15,322 TRY (USD 492.6). A family of four is estimated to require about 54471 TRY (USD 1,749.5) per month without rent. For a more comprehensive range, costs can vary from 15,572 TRY (500 USD) to 133296 TRY (USD 4,280) per month, depending on whether you’re on a strict or luxury budget.
Is Turkey cheaper than the United States?
Yes, Turkey is much cheaper than the United States. The cost of living in Turkey is significantly lower compared to the United States, with expenses like accommodation varying greatly depending on the type and location of the housing.
Is it cheaper to live in Turkey or the US?
It is cheaper to live in Turkey than in the US. The cost of living in Turkey is about 1.57 times less expensive than the world average and significantly lower compared to the United States.
What is the average salary in Turkey in dollars?
The monthly average salary in Turkey is approximately 256 USD, and the average yearly salary is 3072 USD.
What are the rental prices in Turkey like?
Housing costs are a significant consideration when relocating. In coastal cities, a one-bedroom apartment with sea views can be rented for approximately 9343-15,572 TRY (USD 300 to USD 500) per month. More affordable housing can be found further from these sought-after locations, with unfurnished apartments beginning at around 6228 TRY (USD 200) and furnished at 9343 TRY (USD 300). In Istanbul, prices escalate, particularly in central areas. A modest apartment on the city center’s outskirts might start at about 3768 TRY (USD 121). In comparison, a central location could command up to 107758 TRY (USD 3,460) monthly.
What do alcohol and tobacco cost in Turkey?
Alcohol and tobacco are subject to high taxes and regulations, making them relatively expensive. These products can significantly increase your living expenses if they are part of your regular consumption.
What is the healthcare in Turkey like?
Turkey is a sought-after destination for medical tourism due to its affordable and high-quality services in specialties such as cosmetic surgery, dental work, and fertility treatments.
