Living in Yerevan

SettleMetric tax engine over Armenia's official 2026 rules (High-Tech turnover-tax law + Tax Code Art. 258 + funded-pension rules)

Curated by SettleMetric

Data as of

Jan 1, 2026

Verified

Jul 4, 2026

Method

Best eligible scheme am-it-hightech-1 (registered high-tech IT sole proprietor, 1% turnover tax) at €60,000 = 25,260,600 AMD turnover (ECB/CBA 421.01): high-tech turnover tax 1% = 252,606 + mandatory funded pension 10%×(income−3,000,000) = 2,226,060 + health contribution 129,600 + military stamp duty 120,000 = 2,728,266 AMD of levies → 10.8%. The pension is charged on GROSS turnover (not profit) and dominates the burden, so the real cost is far above the headline 1%. Modelled with the pension uncapped (no individual-entrepreneur ceiling confirmed in official sources); a ceiling, if it applies, would lower this figure.

Notes

Micro-business 0% is unavailable to IT/consulting/professional services (excluded since July 2025). The turnover-tax 10% and general 20% regimes give higher burdens (~19.8% and ~27.8% at €60k respectively).

Armstat — Integrated Living Conditions Survey (ILCS) 2024, average monthly per-capita consumption expenditures, urban communities

Curated by SettleMetric

Data as of

Dec 31, 2024

Verified

Jul 4, 2026

Method

Armstat ILCS 2024 average monthly per-capita consumption expenditure, urban communities = 66,245 AMD (Table 3.5/3.6, 'Household Income, Expenditures, and Basic Food Consumption', poverty_2025_en_3.pdf). The urban basis is used because Yerevan is fully urban. The Armenian ILCS consumption basket contains NO rent line (housing appears only as Utilities 10,646 AMD; owner-occupancy dominates and paid rent is not captured), so the figure already excludes rent — no subtraction needed. CPI-uplifted from 2024 to mid-2026 by ×1.045 (Armenia inflation ≈0.3% in 2024, ≈2.7–3.9% through 2025, 3% CBA target for 2026) → 69,226 AMD → $187 at 369.34 AMD/USD. FX from data/fx-rates.json: 421.01 AMD/EUR ÷ 1.1399 USD/EUR = 369.34 AMD/USD (CBA/ECB 2026-07-03).

Notes

Per-capita ILCS basis (one adult's non-rent consumption), not a separate one-person-household survey (Armstat does not publish the latter for a single-person basket). National per-capita total is 60,941 AMD; the urban figure (66,245 AMD) is used as the Yerevan-relevant basis. Numbeo/Expatistan (forbidden) were not used.

M-Lab NDT country aggregates for Armenia (2023 daily stats)

Open data

Data as of

Dec 31, 2023

Verified

Jul 4, 2026

Method

Median of 343 daily country medians (download_MED), 30,840 download tests, 2023 — the latest full year in M-Lab's public stats API. Same methodology as other SettleMetric countries.

Notes

M-Lab NDT is single-stream and reads well below Ookla-style figures (Ookla reported ~57 Mbps for Armenia in Jan 2025) — the two are not comparable and must not be mixed within this criterion. This is the low-consistent-methodology figure; real-world fibre in Yerevan is considerably faster.

EF EPI 2025 — Armenia (score 515, rank 56/123, Moderate band)

Research

Data as of

Nov 1, 2025

Verified

Jul 4, 2026

Notes

Own band informed by EF EPI (attribution: EF Education First). Score 515 falls in EF's 'Moderate' band. English is workable with younger people, in IT and the tourism/service sector in Yerevan, less so in government offices and outside the capital; Russian remains the stronger second language.

HayPost (national postal operator) service network + private courier presence

Curated by SettleMetric

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

HayPost operates the national branch network with domestic parcel and EMS delivery; private couriers (local same-day services in Yerevan, plus international DHL/FedEx/UPS agents) cover the capital well. Reliable but not a dense next-day parcel-locker market like the EU leaders; delivery is mostly to-door or branch pickup, typically a few days outside Yerevan. Classified 'basic'.

Notes

Curated classification from the national operator's coverage and courier presence; no official nationwide next-day SLA or parcel-locker density figures were obtained. Re-verify with HayPost service standards next cycle.

UNODC intentional-homicide series for Armenia (via World Bank / Our World in Data mirror)

Open data

Data as of

Dec 31, 2023

Verified

Jul 4, 2026

Notes

UNODC national series: 2.21 per 100k (2023), down from 2.74 (2022) and 3.14 (2021). Figures are UNODC-sourced; the World Bank/OWID mirror was used because the UNODC data portal is an interactive app. Re-verify the exact latest year directly at data.unodc.org next cycle.

Nairi Insurance voluntary health insurance package (with-inpatient), as published by Repat Armenia

Curated by SettleMetric

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

Nairi Insurance voluntary health insurance (VHI): 130,000 AMD/year per adult under 65 (family of 3+ discounted 30% to 91,000 AMD), coverage limit 7,000,000 AMD. Comprehensive with-inpatient package — covers outpatient care, doctor consultations, tests, hospitalization, surgery, chronic-disease monitoring, plus dental and (after a 9-month wait) pregnancy. 130,000 AMD ÷ 369.34 AMD/USD = $352/year (FX from data/fx-rates.json: 421.01 AMD/EUR ÷ 1.1399 USD/EUR, CBA/ECB 2026-07-03).

Notes

Comparable to the other countries' comprehensive (with-inpatient) basis. Private VHI is optional; Armenia is phasing in a mandatory Universal Health Insurance system (2026). This is a specific published individual premium (Nairi via Repat Armenia), not a market median — other insurers (Rosgosstrakh-Armenia, SIL, INGO, RESO, Armenia Insurance) quote on request. Pre-existing conditions are excluded and waiting periods apply. Insurers supervised by the Central Bank of Armenia.

IB World Schools directory (ibo.org) + Cambridge International, US Middle States (MSA-CESS) and AEFE (French) accreditation, each verified per accreditor

Curated by SettleMetric

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

Count of Yerevan schools verified against a qualifying accreditor's own registry, not aggregator sites. (1) Shirakatsy Lyceum — IB Diploma Programme, IB school code 004090 (ibo.org/en/school/004090); (2) Quantum College — IB DP, code 007055 (ibo.org/en/school/007055); (3) National Polytechnic University of Armenia Foundation Yerevan High School — IB DP, code 062724 (ibo.org find-an-ib-school); (4) CIS Armenia International School — registered Cambridge International school (IGCSE, AS/A Level); (5) QSI International School of Yerevan — US Middle States Association (MSA-CESS) accredited since 2000, College Board AP; (6) Lycée Français Anatole France — AEFE network member (partnership signed 2017-11-21), homologué by the French Ministry of National Education. Excluded: 'Fundacion Gimnasio Ingles de Armenia' (IB code 061373) is in Armenia, Quindío, COLOMBIA — not Yerevan — a name-collision caught by per-accreditor verification.

Notes

Six schools verified against IB, Cambridge, US/Middle States, and AEFE registries. Other locally-advertised 'international' schools (e.g. Dream Bridgeman Oxford, British International School of Armenia) claim 'Oxford International Curriculum' / Pearson exam-centre status but were not confirmed on a qualifying accreditor's registry, so are conservatively excluded. ±1 uncertainty: an IB candidate school or a newly-registered Cambridge centre could shift the count.

IQAir World Air Quality Report — Yerevan annual mean (2020)

Research

Data as of

Dec 31, 2020

Verified

Jul 4, 2026

Notes

Attribution: IQAir (aggregator of ground stations and validated sensors), same basis used for the sister Tbilisi file. 2020 annual mean 24.9 µg/m³ (2019 was 25.5) — the most recent clean full-year annual average IQAir publishes for Yerevan. About 5× the WHO 2021 guideline (5 µg/m³) and near the current EU limit value (25). Armenia's official national monitoring is run by the Hydrometeorology and Monitoring Center (Ministry of Environment), whose portal publishes real-time readings rather than a downloadable annual mean, and the WHO Ambient Air Quality Database V8.0 value for Yerevan was not cleanly extractable in this pass (the WHO interactive app is JS-rendered). Community civic-tech networks (ArmAQI, AirQuality.am) report higher recent annual means (~28–30 µg/m³ for 2024–2025), so this 2020 figure may understate current levels; winter heating and traffic are the main sources and winters are markedly worse than summers. Re-verify against the WHO database Excel and any official national annual mean next cycle.

Central Bank of Armenia — Law on Crypto-Assets (in force 2025-07-04) and first regulatory package (effective 2026-01-31)

Official source

Data as of

Jan 31, 2026

Verified

Jul 4, 2026

Notes

Holding and trading crypto is legal for individuals; not legal tender. A comprehensive Law on Crypto-Assets (modelled on the EU's MiCA) entered into force 2025-07-04; the Central Bank of Armenia is the sole licensing authority for crypto-asset service providers, with the first subordinate regulations effective 2026-01-31 and a licensing deadline of 2027-01-31 for existing providers. Leans crypto-friendly (non-entrepreneurial individual crypto gains are widely reported as untaxed), but classified 'legal-regulated' given the new MiCA-style licensing/AML framework.

PwC Worldwide Tax Summaries — Armenia (no currency/capital controls; AMD convertible) + Central Bank of Armenia FX regime

Curated by SettleMetric

Data as of

Jul 4, 2026

Verified

Jul 4, 2026

Method

Composite: the Armenian dram (AMD) is freely convertible with no capital or currency controls on personal funds; non-residents can open bank accounts and hold foreign-currency accounts; foreigners can register a sole proprietorship and bank easily; no FBAR-style foreign-asset disclosure regime for residents. Classified 'low' state control over personal money flows. Inputs: PwC Armenia tax summaries and Central Bank of Armenia foreign-exchange rules.

Notes

Armenia has been a notably open banking destination for relocating remote workers since 2022. No IMF AREAER capital-control flags of note for personal transfers were found; re-verify against AREAER next cycle.

SettleMetric tax engine over Armenia's official 2026 rules (High-Tech turnover-tax law + Tax Code Art. 258 + funded-pension rules)

Curated by SettleMetric

Data as of

Jan 1, 2026

Verified

Jul 4, 2026

Method

Best eligible scheme am-it-hightech-1 (registered high-tech IT sole proprietor, 1% turnover tax) at €60,000 = 25,260,600 AMD turnover (ECB/CBA 421.01): high-tech turnover tax 1% = 252,606 + mandatory funded pension 10%×(income−3,000,000) = 2,226,060 + health contribution 129,600 + military stamp duty 120,000 = 2,728,266 AMD of levies → 10.8%. The pension is charged on GROSS turnover (not profit) and dominates the burden, so the real cost is far above the headline 1%. Modelled with the pension uncapped (no individual-entrepreneur ceiling confirmed in official sources); a ceiling, if it applies, would lower this figure.

Notes

Micro-business 0% is unavailable to IT/consulting/professional services (excluded since July 2025). The turnover-tax 10% and general 20% regimes give higher burdens (~19.8% and ~27.8% at €60k respectively).

UNODC intentional-homicide series for Armenia (via World Bank / Our World in Data mirror)

Open data

Data as of

Dec 31, 2023

Verified

Jul 4, 2026

Notes

UNODC national series: 2.21 per 100k (2023), down from 2.74 (2022) and 3.14 (2021). Figures are UNODC-sourced; the World Bank/OWID mirror was used because the UNODC data portal is an interactive app. Re-verify the exact latest year directly at data.unodc.org next cycle.

Armstat — Integrated Living Conditions Survey (ILCS) 2024, average monthly per-capita consumption expenditures, urban communities

Curated by SettleMetric

Data as of

Dec 31, 2024

Verified

Jul 4, 2026

Method

Armstat ILCS 2024 average monthly per-capita consumption expenditure, urban communities = 66,245 AMD (Table 3.5/3.6, 'Household Income, Expenditures, and Basic Food Consumption', poverty_2025_en_3.pdf). The urban basis is used because Yerevan is fully urban. The Armenian ILCS consumption basket contains NO rent line (housing appears only as Utilities 10,646 AMD; owner-occupancy dominates and paid rent is not captured), so the figure already excludes rent — no subtraction needed. CPI-uplifted from 2024 to mid-2026 by ×1.045 (Armenia inflation ≈0.3% in 2024, ≈2.7–3.9% through 2025, 3% CBA target for 2026) → 69,226 AMD → $187 at 369.34 AMD/USD. FX from data/fx-rates.json: 421.01 AMD/EUR ÷ 1.1399 USD/EUR = 369.34 AMD/USD (CBA/ECB 2026-07-03).

Notes

Per-capita ILCS basis (one adult's non-rent consumption), not a separate one-person-household survey (Armstat does not publish the latter for a single-person basket). National per-capita total is 60,941 AMD; the urban figure (66,245 AMD) is used as the Yerevan-relevant basis. Numbeo/Expatistan (forbidden) were not used.

IQAir World Air Quality Report — Yerevan annual mean (2020)

Research

Data as of

Dec 31, 2020

Verified

Jul 4, 2026

Notes

Attribution: IQAir (aggregator of ground stations and validated sensors), same basis used for the sister Tbilisi file. 2020 annual mean 24.9 µg/m³ (2019 was 25.5) — the most recent clean full-year annual average IQAir publishes for Yerevan. About 5× the WHO 2021 guideline (5 µg/m³) and near the current EU limit value (25). Armenia's official national monitoring is run by the Hydrometeorology and Monitoring Center (Ministry of Environment), whose portal publishes real-time readings rather than a downloadable annual mean, and the WHO Ambient Air Quality Database V8.0 value for Yerevan was not cleanly extractable in this pass (the WHO interactive app is JS-rendered). Community civic-tech networks (ArmAQI, AirQuality.am) report higher recent annual means (~28–30 µg/m³ for 2024–2025), so this 2020 figure may understate current levels; winter heating and traffic are the main sources and winters are markedly worse than summers. Re-verify against the WHO database Excel and any official national annual mean next cycle.

SettleMetric computation over climate-normals

Curated by SettleMetric

Data as of

Dec 31, 2020

Verified

Jul 4, 2026

Method

Months with mean daily max 15–28°C and precipitation < 150mm: April (19.6°C), May (24.8°C), October (21.6°C) = 3. March (14.2°C) just misses the 15°C floor; September (29.6°C) and June–August (31–35°C) exceed the 28°C ceiling; Nov–Feb are too cold.