CITY / CITYVerified city comparison
Ankaravsİzmir.
Ankara is stronger on 1 of 8 headline facts; İzmir on 0. Cost of living (single, excl. rent): Ankara $450/mo, İzmir $450/mo. Freelancer tax burden: Ankara 4.4%, İzmir 4.4%. Climate comfort: Ankara 5/12 mo, İzmir 5/12 mo.
VerifiedUpdated
14 compared criteria · 19 sources · country-level facts are clearly inherited
tr / tr · 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
Ankara leads on 1 of 8
Ankara
1
İzmir
0
TÜİK — Household Consumption Expenditure 2024 (per-capita COICOP), CPI-uplifted
Curated by SettleMetric
- Data as of
- Jun 30, 2026
- Verified
- Jul 15, 2026
- Method
- TÜİK 2024 average household consumption 45,344 TRY/mo ÷ 3.1 persons = 14,627 TRY/capita (2024). Housing (26.0%) split ~70% rent (excluded) / ~30% utilities (kept), matching the peer basis. Excl-rent per-capita uplifted to mid-2026 by TÜİK CPI ×1.7534 and converted at 46.65 TRY/USD (TCMB 2026-07-02) → ≈$450.
- Notes
- WARNING — lira volatility: with ~32% annual inflation and a constantly repricing FX rate, this USD figure carries a ±15–20% band and shifts month to month; the TRY has appreciated in real terms since 2024, so Türkiye's USD cost of living has been RISING even as it stays below EU peers. All-household per-capita basis; Istanbul/İzmir run above the national figure.
TÜİK — Household Consumption Expenditure 2024 (per-capita COICOP), CPI-uplifted
Curated by SettleMetric
- Data as of
- Jun 30, 2026
- Verified
- Jul 15, 2026
- Method
- TÜİK 2024 average household consumption 45,344 TRY/mo ÷ 3.1 persons = 14,627 TRY/capita (2024). Housing (26.0%) split ~70% rent (excluded) / ~30% utilities (kept), matching the peer basis. Excl-rent per-capita uplifted to mid-2026 by TÜİK CPI ×1.7534 and converted at 46.65 TRY/USD (TCMB 2026-07-02) → ≈$450.
- Notes
- WARNING — lira volatility: with ~32% annual inflation and a constantly repricing FX rate, this USD figure carries a ±15–20% band and shifts month to month; the TRY has appreciated in real terms since 2024, so Türkiye's USD cost of living has been RISING even as it stays below EU peers. All-household per-capita basis; Istanbul/İzmir run above the national figure.
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 15, 2026
- Method
- Best eligible scheme at €60,000 (~3,193,644 TL) for an IT freelancer serving FOREIGN clients (scheme tr-freelancer-export): the 100% service-export income deduction (raised from 80% for 2026) zeroes the income tax; only the fixed minimum Bağ-Kur social premium (11,808.23 TL/month = 141,699/yr) is due. Burden = 141,699 / 3,193,644 = 4.4%. Serving Turkish clients instead (no export deduction) runs ~31–33% (progressive + Bağ-Kur).
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 15, 2026
- Method
- Best eligible scheme at €60,000 (~3,193,644 TL) for an IT freelancer serving FOREIGN clients (scheme tr-freelancer-export): the 100% service-export income deduction (raised from 80% for 2026) zeroes the income tax; only the fixed minimum Bağ-Kur social premium (11,808.23 TL/month = 141,699/yr) is due. Burden = 141,699 / 3,193,644 = 4.4%. Serving Turkish clients instead (no export deduction) runs ~31–33% (progressive + Bağ-Kur).
World Bank / UNODC — intentional homicides per 100,000 (Türkiye, 2023)
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 15, 2026
- Notes
- UNODC series via the World Bank: 3.23 per 100,000 in 2023 (up from 2.62 in 2022; the series has gaps and swings). 2024/2025 not yet published. Türkiye is not covered by Eurostat, so cross-country comparison relies on the UNODC series. Moderate-to-higher than the European peers in the set.
World Bank / UNODC — intentional homicides per 100,000 (Türkiye, 2023)
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 15, 2026
- Notes
- UNODC series via the World Bank: 3.23 per 100,000 in 2023 (up from 2.62 in 2022; the series has gaps and swings). 2024/2025 not yet published. Türkiye is not covered by Eurostat, so cross-country comparison relies on the UNODC series. Moderate-to-higher than the European peers in the set.
SettleMetric computation over climate-normals (Ankara Bölge WMO 17130)
Curated by SettleMetric
- Data as of
- Dec 31, 2020
- Verified
- Aug 16, 2026
- Method
- Months with mean daily max 15–28°C AND precipitation < 150mm: Apr (17.5), May (22.8), Jun (27.3), Sep (26.5), Oct (20.3) = 5. Jul and Aug (31.0) exceed the 28°C ceiling; Nov (13.0) through Mar (12.2) miss the 15°C floor. No month comes near the rain cap — the wettest, May, is 51 mm — so the count is set entirely by temperature.
SettleMetric computation over climate-normals (İzmir Bölge WMO 17220)
Curated by SettleMetric
- Data as of
- Dec 31, 2020
- Verified
- Sep 4, 2026
- Method
- Months with mean daily max 15–28°C AND precipitation < 150 mm: Mar (17.2°C), Apr (21.3), May (26.5), Oct (24.6), Nov (18.8) = 5. June to September (31.3–33.8°C) exceed the 28°C heat ceiling; January (12.7), February (14.0) and December (14.0) fall below the 15°C floor. No month fails on rain — the wettest, January at 127.5 mm, stays under the 150 mm cap, so İzmir loses months only to temperature.
- Notes
- September misses by 1.5°C (29.5°C) and is in practice one of the better months, warm and almost dry; a reader weighting heat differently would count six. The scoring rule is applied unchanged here so the number stays comparable with the other cities, but the near-miss is worth knowing.
M-Lab NDT country aggregates for Türkiye (Asia grouping)
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 15, 2026
- Method
- Median of the 343 daily country-median download values for TR in 2023 = 12.09 Mbps (402,083 download tests; Türkiye is filed under M-Lab's Asia (AS) continent grouping, not EU). M-Lab NDT is single-stream and reads well below marketed figures — Turkish fibre commonly markets 100–1000 Mbps — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
- Notes
- The single-stream M-Lab median is low (and the lowest in the set) but reflects a consistent cross-country method, not real fibre-line speeds; Turkish fixed broadband is much faster in practice.
M-Lab NDT country aggregates for Türkiye (Asia grouping)
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 15, 2026
- Method
- Median of the 343 daily country-median download values for TR in 2023 = 12.09 Mbps (402,083 download tests; Türkiye is filed under M-Lab's Asia (AS) continent grouping, not EU). M-Lab NDT is single-stream and reads well below marketed figures — Turkish fibre commonly markets 100–1000 Mbps — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
- Notes
- The single-stream M-Lab median is low (and the lowest in the set) but reflects a consistent cross-country method, not real fibre-line speeds; Turkish fixed broadband is much faster in practice.
EF EPI 2025 — Türkiye (rank 71/123, score 488, Low band)
Research
- Data as of
- Nov 1, 2025
- Verified
- Jul 15, 2026
- Notes
- Own band informed by EF EPI 2025 (attribution: EF Education First): Türkiye rank 71/123, score 488 (Low band, cutoff 450–499), a 9-point decline from the prior edition. English is workable in Istanbul/tourism and parts of the tech sector but thin in public offices and smaller cities; Turkish is the sole official language. The lowest English band in the set.
EF EPI 2025 — Türkiye (rank 71/123, score 488, Low band)
Research
- Data as of
- Nov 1, 2025
- Verified
- Jul 15, 2026
- Notes
- Own band informed by EF EPI 2025 (attribution: EF Education First): Türkiye rank 71/123, score 488 (Low band, cutoff 450–499), a 9-point decline from the prior edition. English is workable in Istanbul/tourism and parts of the tech sector but thin in public offices and smaller cities; Turkish is the sole official language. The lowest English band in the set.
Curated by SettleMetric
- Data as of
- Jul 15, 2026
- Verified
- Jul 15, 2026
- Method
- Comprehensive standalone private health insurance (outpatient + inpatient private-hospital cover) for a healthy 35-year-old runs ~25,000–100,000 TRY/yr depending on the contracted hospital network; a mid-tier plan sits near ~40,000 TRY/yr ≈ $860 at 46.65 TRY/USD. Band ≈ $540–$2,140.
- Notes
- Two-tier context: residents with a work/residence basis are covered by mandatory public insurance (SGK); on top, Turks commonly buy complementary insurance (~5,000–20,000 TRY/yr) working with SGK at private hospitals, or full standalone private cover (this figure). The cheap mandatory foreigner residence-permit policy (~$32–130/yr) is minimal cover, not comparable. Private cover is cheap in USD because of the weak lira; TRY premiums rise 50–80%/yr, so this is a volatile curated midpoint.
Curated by SettleMetric
- Data as of
- Jul 15, 2026
- Verified
- Jul 15, 2026
- Method
- Comprehensive standalone private health insurance (outpatient + inpatient private-hospital cover) for a healthy 35-year-old runs ~25,000–100,000 TRY/yr depending on the contracted hospital network; a mid-tier plan sits near ~40,000 TRY/yr ≈ $860 at 46.65 TRY/USD. Band ≈ $540–$2,140.
- Notes
- Two-tier context: residents with a work/residence basis are covered by mandatory public insurance (SGK); on top, Turks commonly buy complementary insurance (~5,000–20,000 TRY/yr) working with SGK at private hospitals, or full standalone private cover (this figure). The cheap mandatory foreigner residence-permit policy (~$32–130/yr) is minimal cover, not comparable. Private cover is cheap in USD because of the weak lira; TRY premiums rise 50–80%/yr, so this is a volatile curated midpoint.
WHO Ambient Air Quality Database, version 8.0 (June 2026) — Ankara/TUR, 2024
Open data
- Data as of
- Dec 31, 2024
- Verified
- Aug 16, 2026
- Method
- Row Ankara/TUR, year 2024, version V8.0 (2026) of the WHO database: pm25_concentration 14.02 µg/m³ at 100% temporal coverage, from one station, station type Traffic-Urban, reported through the European Environment Agency's air quality statistics viewer. Neighbouring years in the same series: 2022 12.99, 2023 14.14.
- Notes
- About 2.8× the WHO 2021 guideline of 5 µg/m³, and better than Istanbul on either yardstick. Two caveats. The figure rests on a SINGLE traffic-urban station, which reads above an urban-background site, so it is if anything pessimistic for a residential district. And it is not method-matched to our Istanbul value (15.3, IQAir 2024): the same WHO database puts Istanbul 2024 at 24.72, so Ankara is the cleaner of the two either way, but the gap between the two cities is not readable from these two numbers side by side. The database's 2025 row (25.32) is a partial year with no temporal coverage reported and is deliberately not used.
Open data
- Data as of
- Dec 31, 2024
- Verified
- Sep 4, 2026
- Method
- Row "Izmir/TUR", year 2024, version V8.0 (2026): pm25_concentration 15.88 µg/m³ at 72% temporal coverage from two stations, one urban background and one urban traffic, reported through the European Environment Agency. Latest year in the series that carries a PM2.5 value together with a coverage figure, which is the same basis as tr-ankara. The row's station centroid, 38.4282°N 27.1416°E, is about 1.5 km from this city's recorded coordinates; WHO records no population footprint for this row, so no boundary check against the province figure is possible. Full series in the same database: 2020 29.03 (16% coverage), 2021 19.76 (99%), 2022 28.39 (97%), 2023 24.22 (88%), 2024 15.88 (72%), 2025 28.55 (no coverage reported, one traffic station only).
- Notes
- READ THIS AS A LOWER BOUND, NOT A SETTLED LEVEL. The 72% temporal coverage is below the EU's 90% data-quality objective, and 15.88 is a 35% drop from the same two stations' 24.22 in 2023 and barely half the partial 2025 reading of 28.55 — a swing far larger than air quality plausibly moves in a year, and the signature of missing days rather than cleaner air. Turkish PM2.5 peaks in the winter heating season, so a year short by roughly a hundred days may well be short of the dirtiest ones. On the published number İzmir is about 3.2× the WHO 2021 guideline of 5 µg/m³, sits between Istanbul (15.3, a different source) and Antalya (17.89), and is worse than Ankara (14.02); do not conclude from these four numbers alone that İzmir's air is better than Ankara's. The 2025 row is deliberately not used — it is a partial year with no coverage figure resting on a single traffic station, the same reason tr-ankara skips its own 2025 row.
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
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 15, 2026
- Method
- Best eligible scheme at €60,000 (~3,193,644 TL) for an IT freelancer serving FOREIGN clients (scheme tr-freelancer-export): the 100% service-export income deduction (raised from 80% for 2026) zeroes the income tax; only the fixed minimum Bağ-Kur social premium (11,808.23 TL/month = 141,699/yr) is due. Burden = 141,699 / 3,193,644 = 4.4%. Serving Turkish clients instead (no export deduction) runs ~31–33% (progressive + Bağ-Kur).
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 15, 2026
- Method
- Best eligible scheme at €60,000 (~3,193,644 TL) for an IT freelancer serving FOREIGN clients (scheme tr-freelancer-export): the 100% service-export income deduction (raised from 80% for 2026) zeroes the income tax; only the fixed minimum Bağ-Kur social premium (11,808.23 TL/month = 141,699/yr) is due. Burden = 141,699 / 3,193,644 = 4.4%. Serving Turkish clients instead (no export deduction) runs ~31–33% (progressive + Bağ-Kur).
M-Lab NDT country aggregates for Türkiye (Asia grouping)
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 15, 2026
- Method
- Median of the 343 daily country-median download values for TR in 2023 = 12.09 Mbps (402,083 download tests; Türkiye is filed under M-Lab's Asia (AS) continent grouping, not EU). M-Lab NDT is single-stream and reads well below marketed figures — Turkish fibre commonly markets 100–1000 Mbps — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
- Notes
- The single-stream M-Lab median is low (and the lowest in the set) but reflects a consistent cross-country method, not real fibre-line speeds; Turkish fixed broadband is much faster in practice.
M-Lab NDT country aggregates for Türkiye (Asia grouping)
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 15, 2026
- Method
- Median of the 343 daily country-median download values for TR in 2023 = 12.09 Mbps (402,083 download tests; Türkiye is filed under M-Lab's Asia (AS) continent grouping, not EU). M-Lab NDT is single-stream and reads well below marketed figures — Turkish fibre commonly markets 100–1000 Mbps — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
- Notes
- The single-stream M-Lab median is low (and the lowest in the set) but reflects a consistent cross-country method, not real fibre-line speeds; Turkish fixed broadband is much faster in practice.
EF EPI 2025 — Türkiye (rank 71/123, score 488, Low band)
Research
- Data as of
- Nov 1, 2025
- Verified
- Jul 15, 2026
- Notes
- Own band informed by EF EPI 2025 (attribution: EF Education First): Türkiye rank 71/123, score 488 (Low band, cutoff 450–499), a 9-point decline from the prior edition. English is workable in Istanbul/tourism and parts of the tech sector but thin in public offices and smaller cities; Turkish is the sole official language. The lowest English band in the set.
EF EPI 2025 — Türkiye (rank 71/123, score 488, Low band)
Research
- Data as of
- Nov 1, 2025
- Verified
- Jul 15, 2026
- Notes
- Own band informed by EF EPI 2025 (attribution: EF Education First): Türkiye rank 71/123, score 488 (Low band, cutoff 450–499), a 9-point decline from the prior edition. English is workable in Istanbul/tourism and parts of the tech sector but thin in public offices and smaller cities; Turkish is the sole official language. The lowest English band in the set.
TÜİK — Household Consumption Expenditure 2024 (per-capita COICOP), CPI-uplifted
Curated by SettleMetric
- Data as of
- Jun 30, 2026
- Verified
- Jul 15, 2026
- Method
- TÜİK 2024 average household consumption 45,344 TRY/mo ÷ 3.1 persons = 14,627 TRY/capita (2024). Housing (26.0%) split ~70% rent (excluded) / ~30% utilities (kept), matching the peer basis. Excl-rent per-capita uplifted to mid-2026 by TÜİK CPI ×1.7534 and converted at 46.65 TRY/USD (TCMB 2026-07-02) → ≈$450.
- Notes
- WARNING — lira volatility: with ~32% annual inflation and a constantly repricing FX rate, this USD figure carries a ±15–20% band and shifts month to month; the TRY has appreciated in real terms since 2024, so Türkiye's USD cost of living has been RISING even as it stays below EU peers. All-household per-capita basis; Istanbul/İzmir run above the national figure.
TÜİK — Household Consumption Expenditure 2024 (per-capita COICOP), CPI-uplifted
Curated by SettleMetric
- Data as of
- Jun 30, 2026
- Verified
- Jul 15, 2026
- Method
- TÜİK 2024 average household consumption 45,344 TRY/mo ÷ 3.1 persons = 14,627 TRY/capita (2024). Housing (26.0%) split ~70% rent (excluded) / ~30% utilities (kept), matching the peer basis. Excl-rent per-capita uplifted to mid-2026 by TÜİK CPI ×1.7534 and converted at 46.65 TRY/USD (TCMB 2026-07-02) → ≈$450.
- Notes
- WARNING — lira volatility: with ~32% annual inflation and a constantly repricing FX rate, this USD figure carries a ±15–20% band and shifts month to month; the TRY has appreciated in real terms since 2024, so Türkiye's USD cost of living has been RISING even as it stays below EU peers. All-household per-capita basis; Istanbul/İzmir run above the national figure.
Turkish carrier ecosystem — PTT + Yurtiçi/Aras/MNG/Sürat/Sendeo/HepsiJET/Trendyol Express
Curated by SettleMetric
- Data as of
- Jul 15, 2026
- Verified
- Jul 15, 2026
- Method
- Dense, competitive domestic courier market on the back of a huge e-commerce sector (Trendyol, Hepsiburada): PTT Kargo plus Yurtiçi, Aras, MNG, Sürat, Sendeo, HepsiJET and Trendyol Express give nationwide next-day/2-day coverage; same/next-day is normal in the big metros. Cash-on-delivery ('kapıda ödeme') is ubiquitous. Parcel-locker density is growing but below the locker-saturated benchmark, so rated 'good' rather than 'excellent'.
Turkish carrier ecosystem — PTT + Yurtiçi/Aras/MNG/Sürat/Sendeo/HepsiJET/Trendyol Express
Curated by SettleMetric
- Data as of
- Jul 15, 2026
- Verified
- Jul 15, 2026
- Method
- Dense, competitive domestic courier market on the back of a huge e-commerce sector (Trendyol, Hepsiburada): PTT Kargo plus Yurtiçi, Aras, MNG, Sürat, Sendeo, HepsiJET and Trendyol Express give nationwide next-day/2-day coverage; same/next-day is normal in the big metros. Cash-on-delivery ('kapıda ödeme') is ubiquitous. Parcel-locker density is growing but below the locker-saturated benchmark, so rated 'good' rather than 'excellent'.
Family
Relocating with a partner and school-age children.
Ankara fits better — 2 of 5
IB (ibo.org) Find an IB World School registry — per-school verification for Ankara
Curated by SettleMetric
- Data as of
- Aug 16, 2026
- Verified
- Aug 16, 2026
- Method
- Verified floor of 8 IB World Schools in Ankara, each confirmed on its own ibo.org registry page (school code, city, 'IB School since' date, programmes): Bilkent Laboratory and International School (000894, 1996, PYP/MYP/DP), TED Ankara College Foundation High School (001129, 1999, DP), Privatschule der Deutschen Botschaft Ankara (001418, 2002, DP), Özel Bilkent Schools (004503, 2008, PYP/MYP/DP), Nesibe Aydın Educational Institutions Ankara (049668, 2014, PYP/DP), Arı Private Anatolian High School (050616, 2015, PYP/DP), Ankara Türk Telekom Sosyal Bilimler Lisesi (051026, 2016, DP — the one state school in the list), Ankara ABC Okulları (060339, 2020, PYP/DP). ibo.org now serves a bot challenge to automated requests, so each registry page was read through its Internet Archive snapshot (2022–2025, most recent per school) while the live canonical URLs still resolve for a human reader.
- Notes
- Conservative IB-only FLOOR, and the archive route means each authorisation is confirmed as of its snapshot rather than today — a school that left the programme since would still be counted. A ninth, Jale Tezer Educational Institutions (Çankaya, ibo.org school 052560), has a live registry page but no archive snapshot to read, so it is excluded. Cambridge, CIS and other accreditors are not counted at all, so the true number of international schools is higher. Fewer than Istanbul's 12, more than Antalya's 2 — expected for a capital with a large diplomatic community.
IB (ibo.org) Find an IB World School registry — per-school verification for İzmir
Curated by SettleMetric
- Data as of
- Sep 4, 2026
- Verified
- Sep 4, 2026
- Method
- Verified floor of 4 IB World Schools in İzmir province, each confirmed on its own current ibo.org profile on 2026-09-04: (1) American Collegiate Institute / Özel İzmir Amerikan Koleji, code 002560, IB school since 2005-11-02, Konak; (2) MEF International School İzmir, code 002731, since 2022-05-26, Gaziemir; (3) Deutsche Schule Izmir, code 049477, since 2016-03-23, Urla; (4) Işıkkent Anadolu Lisesi, code 049989, IB school since 2014-04-08 with the Diploma Programme authorised 2018-05-07, Bornova. Same accreditor and same conservative basis as tr-istanbul (12), tr-ankara (8) and tr-antalya (2).
- Notes
- Conservative IB-only FLOOR, and a floor arrived at by verifying named schools rather than by querying the registry: ibo.org still answers its school-finder search with a bot challenge, so an exhaustive İzmir list cannot be pulled and schools we did not think to name would not appear here. Individual /en/school/{code} profiles are readable again on the apex host, which is how all four were confirmed. Schools holding Cambridge, CIS or COBIS accreditation without IB are excluded, so the true provision is higher. One boundary caveat: Deutsche Schule Izmir is in Urla, about 35 km west of the city centre — inside İzmir province and its metropolitan municipality, but not a school a family living in Konak would commute to. On three, İzmir would still be far behind Istanbul and Ankara.
World Bank / UNODC — intentional homicides per 100,000 (Türkiye, 2023)
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 15, 2026
- Notes
- UNODC series via the World Bank: 3.23 per 100,000 in 2023 (up from 2.62 in 2022; the series has gaps and swings). 2024/2025 not yet published. Türkiye is not covered by Eurostat, so cross-country comparison relies on the UNODC series. Moderate-to-higher than the European peers in the set.
World Bank / UNODC — intentional homicides per 100,000 (Türkiye, 2023)
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 15, 2026
- Notes
- UNODC series via the World Bank: 3.23 per 100,000 in 2023 (up from 2.62 in 2022; the series has gaps and swings). 2024/2025 not yet published. Türkiye is not covered by Eurostat, so cross-country comparison relies on the UNODC series. Moderate-to-higher than the European peers in the set.
Curated by SettleMetric
- Data as of
- Jul 15, 2026
- Verified
- Jul 15, 2026
- Method
- Comprehensive standalone private health insurance (outpatient + inpatient private-hospital cover) for a healthy 35-year-old runs ~25,000–100,000 TRY/yr depending on the contracted hospital network; a mid-tier plan sits near ~40,000 TRY/yr ≈ $860 at 46.65 TRY/USD. Band ≈ $540–$2,140.
- Notes
- Two-tier context: residents with a work/residence basis are covered by mandatory public insurance (SGK); on top, Turks commonly buy complementary insurance (~5,000–20,000 TRY/yr) working with SGK at private hospitals, or full standalone private cover (this figure). The cheap mandatory foreigner residence-permit policy (~$32–130/yr) is minimal cover, not comparable. Private cover is cheap in USD because of the weak lira; TRY premiums rise 50–80%/yr, so this is a volatile curated midpoint.
Curated by SettleMetric
- Data as of
- Jul 15, 2026
- Verified
- Jul 15, 2026
- Method
- Comprehensive standalone private health insurance (outpatient + inpatient private-hospital cover) for a healthy 35-year-old runs ~25,000–100,000 TRY/yr depending on the contracted hospital network; a mid-tier plan sits near ~40,000 TRY/yr ≈ $860 at 46.65 TRY/USD. Band ≈ $540–$2,140.
- Notes
- Two-tier context: residents with a work/residence basis are covered by mandatory public insurance (SGK); on top, Turks commonly buy complementary insurance (~5,000–20,000 TRY/yr) working with SGK at private hospitals, or full standalone private cover (this figure). The cheap mandatory foreigner residence-permit policy (~$32–130/yr) is minimal cover, not comparable. Private cover is cheap in USD because of the weak lira; TRY premiums rise 50–80%/yr, so this is a volatile curated midpoint.
WHO Ambient Air Quality Database, version 8.0 (June 2026) — Ankara/TUR, 2024
Open data
- Data as of
- Dec 31, 2024
- Verified
- Aug 16, 2026
- Method
- Row Ankara/TUR, year 2024, version V8.0 (2026) of the WHO database: pm25_concentration 14.02 µg/m³ at 100% temporal coverage, from one station, station type Traffic-Urban, reported through the European Environment Agency's air quality statistics viewer. Neighbouring years in the same series: 2022 12.99, 2023 14.14.
- Notes
- About 2.8× the WHO 2021 guideline of 5 µg/m³, and better than Istanbul on either yardstick. Two caveats. The figure rests on a SINGLE traffic-urban station, which reads above an urban-background site, so it is if anything pessimistic for a residential district. And it is not method-matched to our Istanbul value (15.3, IQAir 2024): the same WHO database puts Istanbul 2024 at 24.72, so Ankara is the cleaner of the two either way, but the gap between the two cities is not readable from these two numbers side by side. The database's 2025 row (25.32) is a partial year with no temporal coverage reported and is deliberately not used.
Open data
- Data as of
- Dec 31, 2024
- Verified
- Sep 4, 2026
- Method
- Row "Izmir/TUR", year 2024, version V8.0 (2026): pm25_concentration 15.88 µg/m³ at 72% temporal coverage from two stations, one urban background and one urban traffic, reported through the European Environment Agency. Latest year in the series that carries a PM2.5 value together with a coverage figure, which is the same basis as tr-ankara. The row's station centroid, 38.4282°N 27.1416°E, is about 1.5 km from this city's recorded coordinates; WHO records no population footprint for this row, so no boundary check against the province figure is possible. Full series in the same database: 2020 29.03 (16% coverage), 2021 19.76 (99%), 2022 28.39 (97%), 2023 24.22 (88%), 2024 15.88 (72%), 2025 28.55 (no coverage reported, one traffic station only).
- Notes
- READ THIS AS A LOWER BOUND, NOT A SETTLED LEVEL. The 72% temporal coverage is below the EU's 90% data-quality objective, and 15.88 is a 35% drop from the same two stations' 24.22 in 2023 and barely half the partial 2025 reading of 28.55 — a swing far larger than air quality plausibly moves in a year, and the signature of missing days rather than cleaner air. Turkish PM2.5 peaks in the winter heating season, so a year short by roughly a hundred days may well be short of the dirtiest ones. On the published number İzmir is about 3.2× the WHO 2021 guideline of 5 µg/m³, sits between Istanbul (15.3, a different source) and Antalya (17.89), and is worse than Ankara (14.02); do not conclude from these four numbers alone that İzmir's air is better than Ankara's. The 2025 row is deliberately not used — it is a partial year with no coverage figure resting on a single traffic station, the same reason tr-ankara skips its own 2025 row.
EF EPI 2025 — Türkiye (rank 71/123, score 488, Low band)
Research
- Data as of
- Nov 1, 2025
- Verified
- Jul 15, 2026
- Notes
- Own band informed by EF EPI 2025 (attribution: EF Education First): Türkiye rank 71/123, score 488 (Low band, cutoff 450–499), a 9-point decline from the prior edition. English is workable in Istanbul/tourism and parts of the tech sector but thin in public offices and smaller cities; Turkish is the sole official language. The lowest English band in the set.
EF EPI 2025 — Türkiye (rank 71/123, score 488, Low band)
Research
- Data as of
- Nov 1, 2025
- Verified
- Jul 15, 2026
- Notes
- Own band informed by EF EPI 2025 (attribution: EF Education First): Türkiye rank 71/123, score 488 (Low band, cutoff 450–499), a 9-point decline from the prior edition. English is workable in Istanbul/tourism and parts of the tech sector but thin in public offices and smaller cities; Turkish is the sole official language. The lowest English band in the set.
Money & crypto
Optimising tax, banking and crypto rules.
A close call for this plan
Official source
- Data as of
- Jul 2, 2024
- Verified
- Jul 15, 2026
- Notes
- Trading, holding and exchanging crypto are legal and very popular, but PAYING with crypto is BANNED (CBRT regulation in force 30 April 2021). Law No. 7518 (in force from 2 July 2024) put crypto-asset service providers under the Capital Markets Board (SPK): mandatory licensing, custody duties and minimum capital; offshore platforms targeting residents and crypto ATMs had to wind down. Classified 'legal-regulated' — trading legal and now formally supervised, payments prohibited.
Official source
- Data as of
- Jul 2, 2024
- Verified
- Jul 15, 2026
- Notes
- Trading, holding and exchanging crypto are legal and very popular, but PAYING with crypto is BANNED (CBRT regulation in force 30 April 2021). Law No. 7518 (in force from 2 July 2024) put crypto-asset service providers under the Capital Markets Board (SPK): mandatory licensing, custody duties and minimum capital; offshore platforms targeting residents and crypto ATMs had to wind down. Classified 'legal-regulated' — trading legal and now formally supervised, payments prohibited.
Revenue Administration (GİB) — cash-payment documentation (tevsik) limit; CBRT crypto-payment ban
Official source
- Data as of
- Jan 1, 2026
- Verified
- Jul 15, 2026
- Method
- Composite: the lira is freely convertible and residents may hold foreign-currency deposits/accounts and move money abroad — no hard individual capital controls. But the state exerts more control than EU peers: payments above 30,000 TRY (~$640) must be routed through banks/cards (tevsik rule); crypto payments are banned; the authorities intervene actively in the FX market and use reserve/macroprudential measures; and import de-minimis is low with high duties. Freely convertible but with a low cash-through-bank threshold and several controls → 'moderate' (stricter end).
- Notes
- High inflation erodes money in practice but is not a legal control. Day-to-day banking, FX purchase and transfers are unrestricted for an individual; the frictions are the low cash-routing threshold, the crypto-payment ban and occasional FX intervention.
Revenue Administration (GİB) — cash-payment documentation (tevsik) limit; CBRT crypto-payment ban
Official source
- Data as of
- Jan 1, 2026
- Verified
- Jul 15, 2026
- Method
- Composite: the lira is freely convertible and residents may hold foreign-currency deposits/accounts and move money abroad — no hard individual capital controls. But the state exerts more control than EU peers: payments above 30,000 TRY (~$640) must be routed through banks/cards (tevsik rule); crypto payments are banned; the authorities intervene actively in the FX market and use reserve/macroprudential measures; and import de-minimis is low with high duties. Freely convertible but with a low cash-through-bank threshold and several controls → 'moderate' (stricter end).
- Notes
- High inflation erodes money in practice but is not a legal control. Day-to-day banking, FX purchase and transfers are unrestricted for an individual; the frictions are the low cash-routing threshold, the crypto-payment ban and occasional FX intervention.
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 15, 2026
- Method
- Best eligible scheme at €60,000 (~3,193,644 TL) for an IT freelancer serving FOREIGN clients (scheme tr-freelancer-export): the 100% service-export income deduction (raised from 80% for 2026) zeroes the income tax; only the fixed minimum Bağ-Kur social premium (11,808.23 TL/month = 141,699/yr) is due. Burden = 141,699 / 3,193,644 = 4.4%. Serving Turkish clients instead (no export deduction) runs ~31–33% (progressive + Bağ-Kur).
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 15, 2026
- Method
- Best eligible scheme at €60,000 (~3,193,644 TL) for an IT freelancer serving FOREIGN clients (scheme tr-freelancer-export): the 100% service-export income deduction (raised from 80% for 2026) zeroes the income tax; only the fixed minimum Bağ-Kur social premium (11,808.23 TL/month = 141,699/yr) is due. Burden = 141,699 / 3,193,644 = 4.4%. Serving Turkish clients instead (no export deduction) runs ~31–33% (progressive + Bağ-Kur).
Calm lifestyle
Prioritising safety, air, and an easy daily life.
Ankara fits better — 1 of 4
World Bank / UNODC — intentional homicides per 100,000 (Türkiye, 2023)
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 15, 2026
- Notes
- UNODC series via the World Bank: 3.23 per 100,000 in 2023 (up from 2.62 in 2022; the series has gaps and swings). 2024/2025 not yet published. Türkiye is not covered by Eurostat, so cross-country comparison relies on the UNODC series. Moderate-to-higher than the European peers in the set.
World Bank / UNODC — intentional homicides per 100,000 (Türkiye, 2023)
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 15, 2026
- Notes
- UNODC series via the World Bank: 3.23 per 100,000 in 2023 (up from 2.62 in 2022; the series has gaps and swings). 2024/2025 not yet published. Türkiye is not covered by Eurostat, so cross-country comparison relies on the UNODC series. Moderate-to-higher than the European peers in the set.
WHO Ambient Air Quality Database, version 8.0 (June 2026) — Ankara/TUR, 2024
Open data
- Data as of
- Dec 31, 2024
- Verified
- Aug 16, 2026
- Method
- Row Ankara/TUR, year 2024, version V8.0 (2026) of the WHO database: pm25_concentration 14.02 µg/m³ at 100% temporal coverage, from one station, station type Traffic-Urban, reported through the European Environment Agency's air quality statistics viewer. Neighbouring years in the same series: 2022 12.99, 2023 14.14.
- Notes
- About 2.8× the WHO 2021 guideline of 5 µg/m³, and better than Istanbul on either yardstick. Two caveats. The figure rests on a SINGLE traffic-urban station, which reads above an urban-background site, so it is if anything pessimistic for a residential district. And it is not method-matched to our Istanbul value (15.3, IQAir 2024): the same WHO database puts Istanbul 2024 at 24.72, so Ankara is the cleaner of the two either way, but the gap between the two cities is not readable from these two numbers side by side. The database's 2025 row (25.32) is a partial year with no temporal coverage reported and is deliberately not used.
Open data
- Data as of
- Dec 31, 2024
- Verified
- Sep 4, 2026
- Method
- Row "Izmir/TUR", year 2024, version V8.0 (2026): pm25_concentration 15.88 µg/m³ at 72% temporal coverage from two stations, one urban background and one urban traffic, reported through the European Environment Agency. Latest year in the series that carries a PM2.5 value together with a coverage figure, which is the same basis as tr-ankara. The row's station centroid, 38.4282°N 27.1416°E, is about 1.5 km from this city's recorded coordinates; WHO records no population footprint for this row, so no boundary check against the province figure is possible. Full series in the same database: 2020 29.03 (16% coverage), 2021 19.76 (99%), 2022 28.39 (97%), 2023 24.22 (88%), 2024 15.88 (72%), 2025 28.55 (no coverage reported, one traffic station only).
- Notes
- READ THIS AS A LOWER BOUND, NOT A SETTLED LEVEL. The 72% temporal coverage is below the EU's 90% data-quality objective, and 15.88 is a 35% drop from the same two stations' 24.22 in 2023 and barely half the partial 2025 reading of 28.55 — a swing far larger than air quality plausibly moves in a year, and the signature of missing days rather than cleaner air. Turkish PM2.5 peaks in the winter heating season, so a year short by roughly a hundred days may well be short of the dirtiest ones. On the published number İzmir is about 3.2× the WHO 2021 guideline of 5 µg/m³, sits between Istanbul (15.3, a different source) and Antalya (17.89), and is worse than Ankara (14.02); do not conclude from these four numbers alone that İzmir's air is better than Ankara's. The 2025 row is deliberately not used — it is a partial year with no coverage figure resting on a single traffic station, the same reason tr-ankara skips its own 2025 row.
TÜİK — Household Consumption Expenditure 2024 (per-capita COICOP), CPI-uplifted
Curated by SettleMetric
- Data as of
- Jun 30, 2026
- Verified
- Jul 15, 2026
- Method
- TÜİK 2024 average household consumption 45,344 TRY/mo ÷ 3.1 persons = 14,627 TRY/capita (2024). Housing (26.0%) split ~70% rent (excluded) / ~30% utilities (kept), matching the peer basis. Excl-rent per-capita uplifted to mid-2026 by TÜİK CPI ×1.7534 and converted at 46.65 TRY/USD (TCMB 2026-07-02) → ≈$450.
- Notes
- WARNING — lira volatility: with ~32% annual inflation and a constantly repricing FX rate, this USD figure carries a ±15–20% band and shifts month to month; the TRY has appreciated in real terms since 2024, so Türkiye's USD cost of living has been RISING even as it stays below EU peers. All-household per-capita basis; Istanbul/İzmir run above the national figure.
TÜİK — Household Consumption Expenditure 2024 (per-capita COICOP), CPI-uplifted
Curated by SettleMetric
- Data as of
- Jun 30, 2026
- Verified
- Jul 15, 2026
- Method
- TÜİK 2024 average household consumption 45,344 TRY/mo ÷ 3.1 persons = 14,627 TRY/capita (2024). Housing (26.0%) split ~70% rent (excluded) / ~30% utilities (kept), matching the peer basis. Excl-rent per-capita uplifted to mid-2026 by TÜİK CPI ×1.7534 and converted at 46.65 TRY/USD (TCMB 2026-07-02) → ≈$450.
- Notes
- WARNING — lira volatility: with ~32% annual inflation and a constantly repricing FX rate, this USD figure carries a ±15–20% band and shifts month to month; the TRY has appreciated in real terms since 2024, so Türkiye's USD cost of living has been RISING even as it stays below EU peers. All-household per-capita basis; Istanbul/İzmir run above the national figure.
SettleMetric computation over climate-normals (Ankara Bölge WMO 17130)
Curated by SettleMetric
- Data as of
- Dec 31, 2020
- Verified
- Aug 16, 2026
- Method
- Months with mean daily max 15–28°C AND precipitation < 150mm: Apr (17.5), May (22.8), Jun (27.3), Sep (26.5), Oct (20.3) = 5. Jul and Aug (31.0) exceed the 28°C ceiling; Nov (13.0) through Mar (12.2) miss the 15°C floor. No month comes near the rain cap — the wettest, May, is 51 mm — so the count is set entirely by temperature.
SettleMetric computation over climate-normals (İzmir Bölge WMO 17220)
Curated by SettleMetric
- Data as of
- Dec 31, 2020
- Verified
- Sep 4, 2026
- Method
- Months with mean daily max 15–28°C AND precipitation < 150 mm: Mar (17.2°C), Apr (21.3), May (26.5), Oct (24.6), Nov (18.8) = 5. June to September (31.3–33.8°C) exceed the 28°C heat ceiling; January (12.7), February (14.0) and December (14.0) fall below the 15°C floor. No month fails on rain — the wettest, January at 127.5 mm, stays under the 150 mm cap, so İzmir loses months only to temperature.
- Notes
- September misses by 1.5°C (29.5°C) and is in practice one of the better months, warm and almost dry; a reader weighting heat differently would count six. The scoring rule is applied unchanged here so the number stays comparable with the other cities, but the near-miss is worth knowing.
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
01+−Freelancer tax burden% effective burden at €60k/year self-employed profileAnkara4.4İzmir4.4
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.
Ankara
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 15, 2026
- Method
- Best eligible scheme at €60,000 (~3,193,644 TL) for an IT freelancer serving FOREIGN clients (scheme tr-freelancer-export): the 100% service-export income deduction (raised from 80% for 2026) zeroes the income tax; only the fixed minimum Bağ-Kur social premium (11,808.23 TL/month = 141,699/yr) is due. Burden = 141,699 / 3,193,644 = 4.4%. Serving Turkish clients instead (no export deduction) runs ~31–33% (progressive + Bağ-Kur).
İzmir
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 15, 2026
- Method
- Best eligible scheme at €60,000 (~3,193,644 TL) for an IT freelancer serving FOREIGN clients (scheme tr-freelancer-export): the 100% service-export income deduction (raised from 80% for 2026) zeroes the income tax; only the fixed minimum Bağ-Kur social premium (11,808.23 TL/month = 141,699/yr) is due. Burden = 141,699 / 3,193,644 = 4.4%. Serving Turkish clients instead (no export deduction) runs ~31–33% (progressive + Bağ-Kur).
02
Legalization
01+−Remote-work legalization easeAnkaraDedicated nomad visaİzmirDedicated 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.
Ankara
GoTürkiye (official) — Digital Nomad Visa program
Official source
- Data as of
- Jan 1, 2026
- Verified
- Jul 15, 2026
- Notes
- Türkiye runs a dedicated digital-nomad route on the government GoTürkiye platform (Digital Nomad Identification Certificate → visa → short-term residence), for degree-holding remote workers aged 21–55 earning ≥ $3,000/month from abroad. A short-term residence permit (ikamet) is the general fallback. Combined with the 100% service-export tax deduction it is a strong, low-tax remote-work base.
İzmir
GoTürkiye (official) — Digital Nomad Visa program
Official source
- Data as of
- Jan 1, 2026
- Verified
- Jul 15, 2026
- Notes
- Türkiye runs a dedicated digital-nomad route on the government GoTürkiye platform (Digital Nomad Identification Certificate → visa → short-term residence), for degree-holding remote workers aged 21–55 earning ≥ $3,000/month from abroad. A short-term residence permit (ikamet) is the general fallback. Combined with the 100% service-export tax deduction it is a strong, low-tax remote-work base.
03
Cost of living
01+−Cost of living (single, excl. rent)USD/month, single person, excluding rentAnkara450İzmir450
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.
Ankara
TÜİK — Household Consumption Expenditure 2024 (per-capita COICOP), CPI-uplifted
Curated by SettleMetric
- Data as of
- Jun 30, 2026
- Verified
- Jul 15, 2026
- Method
- TÜİK 2024 average household consumption 45,344 TRY/mo ÷ 3.1 persons = 14,627 TRY/capita (2024). Housing (26.0%) split ~70% rent (excluded) / ~30% utilities (kept), matching the peer basis. Excl-rent per-capita uplifted to mid-2026 by TÜİK CPI ×1.7534 and converted at 46.65 TRY/USD (TCMB 2026-07-02) → ≈$450.
- Notes
- WARNING — lira volatility: with ~32% annual inflation and a constantly repricing FX rate, this USD figure carries a ±15–20% band and shifts month to month; the TRY has appreciated in real terms since 2024, so Türkiye's USD cost of living has been RISING even as it stays below EU peers. All-household per-capita basis; Istanbul/İzmir run above the national figure.
İzmir
TÜİK — Household Consumption Expenditure 2024 (per-capita COICOP), CPI-uplifted
Curated by SettleMetric
- Data as of
- Jun 30, 2026
- Verified
- Jul 15, 2026
- Method
- TÜİK 2024 average household consumption 45,344 TRY/mo ÷ 3.1 persons = 14,627 TRY/capita (2024). Housing (26.0%) split ~70% rent (excluded) / ~30% utilities (kept), matching the peer basis. Excl-rent per-capita uplifted to mid-2026 by TÜİK CPI ×1.7534 and converted at 46.65 TRY/USD (TCMB 2026-07-02) → ≈$450.
- Notes
- WARNING — lira volatility: with ~32% annual inflation and a constantly repricing FX rate, this USD figure carries a ±15–20% band and shifts month to month; the TRY has appreciated in real terms since 2024, so Türkiye's USD cost of living has been RISING even as it stays below EU peers. All-household per-capita basis; Istanbul/İzmir run above the national figure.
TÜİK Household Consumption Expenditure 2024 (per-capita COICOP), CPI-uplifted
Curated by SettleMetric
- Data as of
- Jun 30, 2026
- Verified
- Jul 15, 2026
- Method
- TÜİK 2024 per-capita monthly spend by COICOP division ÷ 3.1 per capita, ×1.7534 CPI uplift to mid-2026, ÷46.65 TRY/USD; housing shown as utilities only (~30% of the housing division, rent excluded). Sums to ≈$450. Türkiye has an unusually high transport share (21.6%), driven by fuel and vehicle costs.
04
Housing
Rent by apartment type
Asking rent, central price with outside-centre in parentheses ($/mo).
Curated by SettleMetric
- Data as of
- Aug 16, 2026
- Verified
- Aug 16, 2026
- Method
- Asking TRY/m²/month from emlakjet's district index (all 25 Ankara districts, read 16 Aug 2026): Çankaya 371.89 is the central district and sets the center anchor at 370 TRY/m². The outside anchor of 215 TRY/m² is the mean of the four large outer residential districts plus Pursaklar — Keçiören 228.01, Altındağ 213.79, Pursaklar 213.34, Mamak 211.55, Sincan 205.71 (mean 214.48). Cells = TRY/m² × sizes (studio 30, 1br 40, 2br 60, 3br 85 m²) ÷ 47.7748 TRY/USD, derived from data/fx-rates.json at 2026-08-13 (55.1035 TRY/EUR ÷ 1.1534 USD/EUR).
- Notes
- FLAG — USD values are volatile: Turkish rents are quoted only in TRY and emlakjet puts Ankara asking rents up 20.6% year on year, so the same apartment moves in USD every month. DERIVED matrix; a flat TRY/m² per location understates small units, so the studio and 1br cells are conservative. Gölbaşı (414.97) prices above Çankaya but is a lakeside commuter district ~20 km south, not the centre; Çamlıdere (322.90, +116% YoY) is a rural district whose index is a small-sample artefact — neither is used as an anchor. Not vintage-matched with Istanbul and Antalya, whose matrices are dated 2026-06-30 at 47.0098 TRY/USD; compare the TRY/m² figures rather than the USD cells.
Curated by SettleMetric
- Data as of
- Jul 31, 2026
- Verified
- Sep 4, 2026
- Method
- Asking TRY/m²/month for all 30 İzmir districts, July 2026, read from the published table (range 138 TRY/m² in Kiraz to 510 in Urla; the source's own all-İzmir figure is 325). Center anchor = mean of the four central urban districts Karşıyaka 358, Balçova 347, Konak 336 and Bornova 322 = 340.75 → 341 TRY/m². Outside anchor = mean of five outer districts of the same metropolitan area, Buca 298, Menemen 281, Bayraklı 269, Karabağlar 250 and Torbalı 220 = 263.6 → 264 TRY/m². Cells = TRY/m² × assumed floor areas (studio 30, 1BR 40, 2BR 60, 3BR 85 m²) ÷ 47.7748 TRY/USD, the rate implied by data/fx-rates.json of 2026-08-13 (EUR 55.1035 TRY, EUR 1.1534 USD).
- Notes
- FLAG — USD values are HIGHLY VOLATILE: Turkish rents are quoted only in TRY, the lira keeps depreciating, and İzmir asking rents rose 18.6% in TRY over the twelve months to July 2026, so the USD figure understates what a tenant's costs are doing. Two comparability caveats against this dataset's other Turkish cities. They were priced in June 2026 at 47.0098 TRY/USD, about 1.6% stronger than the rate used here. And İzmir's centre-to-outside gap is narrow at 1.29×, against Istanbul's 2.0× — the city's price gradient runs west along the coast rather than outward from the centre, which is why the province's dearest districts are not central at all: Urla (510 TRY/m²), Güzelbahçe (505) and Çeşme (464) are coastal towns 20–80 km out, and Narlıdere (416) and Çiğli (347) both price above Konak. Emlakjet publishes the Endeksa indices the other three Turkish cities cite and states that attribution on the page; endeksa.com's own site now answers automated requests with a bot challenge, which we do not bypass.
05
Safety
01+−Homicide rateintentional homicides per 100,000/yearAnkara3.2İzmir3.2
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).
Ankara
World Bank / UNODC — intentional homicides per 100,000 (Türkiye, 2023)
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 15, 2026
- Notes
- UNODC series via the World Bank: 3.23 per 100,000 in 2023 (up from 2.62 in 2022; the series has gaps and swings). 2024/2025 not yet published. Türkiye is not covered by Eurostat, so cross-country comparison relies on the UNODC series. Moderate-to-higher than the European peers in the set.
İzmir
World Bank / UNODC — intentional homicides per 100,000 (Türkiye, 2023)
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 15, 2026
- Notes
- UNODC series via the World Bank: 3.23 per 100,000 in 2023 (up from 2.62 in 2022; the series has gaps and swings). 2024/2025 not yet published. Türkiye is not covered by Eurostat, so cross-country comparison relies on the UNODC series. Moderate-to-higher than the European peers in the set.
06
Climate
01+−Climate comfortpleasant months/yearAnkara5İzmir5
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.
Ankara
SettleMetric computation over climate-normals (Ankara Bölge WMO 17130)
Curated by SettleMetric
- Data as of
- Dec 31, 2020
- Verified
- Aug 16, 2026
- Method
- Months with mean daily max 15–28°C AND precipitation < 150mm: Apr (17.5), May (22.8), Jun (27.3), Sep (26.5), Oct (20.3) = 5. Jul and Aug (31.0) exceed the 28°C ceiling; Nov (13.0) through Mar (12.2) miss the 15°C floor. No month comes near the rain cap — the wettest, May, is 51 mm — so the count is set entirely by temperature.
İzmir
SettleMetric computation over climate-normals (İzmir Bölge WMO 17220)
Curated by SettleMetric
- Data as of
- Dec 31, 2020
- Verified
- Sep 4, 2026
- Method
- Months with mean daily max 15–28°C AND precipitation < 150 mm: Mar (17.2°C), Apr (21.3), May (26.5), Oct (24.6), Nov (18.8) = 5. June to September (31.3–33.8°C) exceed the 28°C heat ceiling; January (12.7), February (14.0) and December (14.0) fall below the 15°C floor. No month fails on rain — the wettest, January at 127.5 mm, stays under the 150 mm cap, so İzmir loses months only to temperature.
- Notes
- September misses by 1.5°C (29.5°C) and is in practice one of the better months, warm and almost dry; a reader weighting heat differently would count six. The scoring rule is applied unchanged here so the number stays comparable with the other cities, but the near-miss is worth knowing.
02+−Air quality (PM2.5)µg/m³, annual mean PM2.5Ankarastronger14İzmir15.9
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.
Ankara
WHO Ambient Air Quality Database, version 8.0 (June 2026) — Ankara/TUR, 2024
Open data
- Data as of
- Dec 31, 2024
- Verified
- Aug 16, 2026
- Method
- Row Ankara/TUR, year 2024, version V8.0 (2026) of the WHO database: pm25_concentration 14.02 µg/m³ at 100% temporal coverage, from one station, station type Traffic-Urban, reported through the European Environment Agency's air quality statistics viewer. Neighbouring years in the same series: 2022 12.99, 2023 14.14.
- Notes
- About 2.8× the WHO 2021 guideline of 5 µg/m³, and better than Istanbul on either yardstick. Two caveats. The figure rests on a SINGLE traffic-urban station, which reads above an urban-background site, so it is if anything pessimistic for a residential district. And it is not method-matched to our Istanbul value (15.3, IQAir 2024): the same WHO database puts Istanbul 2024 at 24.72, so Ankara is the cleaner of the two either way, but the gap between the two cities is not readable from these two numbers side by side. The database's 2025 row (25.32) is a partial year with no temporal coverage reported and is deliberately not used.
İzmir
Open data
- Data as of
- Dec 31, 2024
- Verified
- Sep 4, 2026
- Method
- Row "Izmir/TUR", year 2024, version V8.0 (2026): pm25_concentration 15.88 µg/m³ at 72% temporal coverage from two stations, one urban background and one urban traffic, reported through the European Environment Agency. Latest year in the series that carries a PM2.5 value together with a coverage figure, which is the same basis as tr-ankara. The row's station centroid, 38.4282°N 27.1416°E, is about 1.5 km from this city's recorded coordinates; WHO records no population footprint for this row, so no boundary check against the province figure is possible. Full series in the same database: 2020 29.03 (16% coverage), 2021 19.76 (99%), 2022 28.39 (97%), 2023 24.22 (88%), 2024 15.88 (72%), 2025 28.55 (no coverage reported, one traffic station only).
- Notes
- READ THIS AS A LOWER BOUND, NOT A SETTLED LEVEL. The 72% temporal coverage is below the EU's 90% data-quality objective, and 15.88 is a 35% drop from the same two stations' 24.22 in 2023 and barely half the partial 2025 reading of 28.55 — a swing far larger than air quality plausibly moves in a year, and the signature of missing days rather than cleaner air. Turkish PM2.5 peaks in the winter heating season, so a year short by roughly a hundred days may well be short of the dirtiest ones. On the published number İzmir is about 3.2× the WHO 2021 guideline of 5 µg/m³, sits between Istanbul (15.3, a different source) and Antalya (17.89), and is worse than Ankara (14.02); do not conclude from these four numbers alone that İzmir's air is better than Ankara's. The 2025 row is deliberately not used — it is a partial year with no coverage figure resting on a single traffic station, the same reason tr-ankara skips its own 2025 row.
07
Healthcare
01+−Private healthcare costUSD/year, comprehensive private insurance premium, healthy 35-year-oldAnkara860İzmir860
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.
Ankara
Curated by SettleMetric
- Data as of
- Jul 15, 2026
- Verified
- Jul 15, 2026
- Method
- Comprehensive standalone private health insurance (outpatient + inpatient private-hospital cover) for a healthy 35-year-old runs ~25,000–100,000 TRY/yr depending on the contracted hospital network; a mid-tier plan sits near ~40,000 TRY/yr ≈ $860 at 46.65 TRY/USD. Band ≈ $540–$2,140.
- Notes
- Two-tier context: residents with a work/residence basis are covered by mandatory public insurance (SGK); on top, Turks commonly buy complementary insurance (~5,000–20,000 TRY/yr) working with SGK at private hospitals, or full standalone private cover (this figure). The cheap mandatory foreigner residence-permit policy (~$32–130/yr) is minimal cover, not comparable. Private cover is cheap in USD because of the weak lira; TRY premiums rise 50–80%/yr, so this is a volatile curated midpoint.
İzmir
Curated by SettleMetric
- Data as of
- Jul 15, 2026
- Verified
- Jul 15, 2026
- Method
- Comprehensive standalone private health insurance (outpatient + inpatient private-hospital cover) for a healthy 35-year-old runs ~25,000–100,000 TRY/yr depending on the contracted hospital network; a mid-tier plan sits near ~40,000 TRY/yr ≈ $860 at 46.65 TRY/USD. Band ≈ $540–$2,140.
- Notes
- Two-tier context: residents with a work/residence basis are covered by mandatory public insurance (SGK); on top, Turks commonly buy complementary insurance (~5,000–20,000 TRY/yr) working with SGK at private hospitals, or full standalone private cover (this figure). The cheap mandatory foreigner residence-permit policy (~$32–130/yr) is minimal cover, not comparable. Private cover is cheap in USD because of the weak lira; TRY premiums rise 50–80%/yr, so this is a volatile curated midpoint.
08
Money & crypto
01+−Crypto regulationAnkaraLegal regulatedİzmirLegal 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.
Ankara
Official source
- Data as of
- Jul 2, 2024
- Verified
- Jul 15, 2026
- Notes
- Trading, holding and exchanging crypto are legal and very popular, but PAYING with crypto is BANNED (CBRT regulation in force 30 April 2021). Law No. 7518 (in force from 2 July 2024) put crypto-asset service providers under the Capital Markets Board (SPK): mandatory licensing, custody duties and minimum capital; offshore platforms targeting residents and crypto ATMs had to wind down. Classified 'legal-regulated' — trading legal and now formally supervised, payments prohibited.
İzmir
Official source
- Data as of
- Jul 2, 2024
- Verified
- Jul 15, 2026
- Notes
- Trading, holding and exchanging crypto are legal and very popular, but PAYING with crypto is BANNED (CBRT regulation in force 30 April 2021). Law No. 7518 (in force from 2 July 2024) put crypto-asset service providers under the Capital Markets Board (SPK): mandatory licensing, custody duties and minimum capital; offshore platforms targeting residents and crypto ATMs had to wind down. Classified 'legal-regulated' — trading legal and now formally supervised, payments prohibited.
02+−Financial control levelAnkaraModerateİzmirModerate
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.
Ankara
Revenue Administration (GİB) — cash-payment documentation (tevsik) limit; CBRT crypto-payment ban
Official source
- Data as of
- Jan 1, 2026
- Verified
- Jul 15, 2026
- Method
- Composite: the lira is freely convertible and residents may hold foreign-currency deposits/accounts and move money abroad — no hard individual capital controls. But the state exerts more control than EU peers: payments above 30,000 TRY (~$640) must be routed through banks/cards (tevsik rule); crypto payments are banned; the authorities intervene actively in the FX market and use reserve/macroprudential measures; and import de-minimis is low with high duties. Freely convertible but with a low cash-through-bank threshold and several controls → 'moderate' (stricter end).
- Notes
- High inflation erodes money in practice but is not a legal control. Day-to-day banking, FX purchase and transfers are unrestricted for an individual; the frictions are the low cash-routing threshold, the crypto-payment ban and occasional FX intervention.
İzmir
Revenue Administration (GİB) — cash-payment documentation (tevsik) limit; CBRT crypto-payment ban
Official source
- Data as of
- Jan 1, 2026
- Verified
- Jul 15, 2026
- Method
- Composite: the lira is freely convertible and residents may hold foreign-currency deposits/accounts and move money abroad — no hard individual capital controls. But the state exerts more control than EU peers: payments above 30,000 TRY (~$640) must be routed through banks/cards (tevsik rule); crypto payments are banned; the authorities intervene actively in the FX market and use reserve/macroprudential measures; and import de-minimis is low with high duties. Freely convertible but with a low cash-through-bank threshold and several controls → 'moderate' (stricter end).
- Notes
- High inflation erodes money in practice but is not a legal control. Day-to-day banking, FX purchase and transfers are unrestricted for an individual; the frictions are the low cash-routing threshold, the crypto-payment ban and occasional FX intervention.
09
Infrastructure
01+−Domestic delivery qualityAnkaraGoodİzmirGood
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.
Ankara
Turkish carrier ecosystem — PTT + Yurtiçi/Aras/MNG/Sürat/Sendeo/HepsiJET/Trendyol Express
Curated by SettleMetric
- Data as of
- Jul 15, 2026
- Verified
- Jul 15, 2026
- Method
- Dense, competitive domestic courier market on the back of a huge e-commerce sector (Trendyol, Hepsiburada): PTT Kargo plus Yurtiçi, Aras, MNG, Sürat, Sendeo, HepsiJET and Trendyol Express give nationwide next-day/2-day coverage; same/next-day is normal in the big metros. Cash-on-delivery ('kapıda ödeme') is ubiquitous. Parcel-locker density is growing but below the locker-saturated benchmark, so rated 'good' rather than 'excellent'.
İzmir
Turkish carrier ecosystem — PTT + Yurtiçi/Aras/MNG/Sürat/Sendeo/HepsiJET/Trendyol Express
Curated by SettleMetric
- Data as of
- Jul 15, 2026
- Verified
- Jul 15, 2026
- Method
- Dense, competitive domestic courier market on the back of a huge e-commerce sector (Trendyol, Hepsiburada): PTT Kargo plus Yurtiçi, Aras, MNG, Sürat, Sendeo, HepsiJET and Trendyol Express give nationwide next-day/2-day coverage; same/next-day is normal in the big metros. Cash-on-delivery ('kapıda ödeme') is ubiquitous. Parcel-locker density is growing but below the locker-saturated benchmark, so rated 'good' rather than 'excellent'.
02+−International delivery easeAnkaraSignificant frictionİzmirSignificant 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.
Ankara
Official source
- Data as of
- Jan 1, 2026
- Verified
- Jul 15, 2026
- Notes
- Cross-border inbound shipping faces heavy friction. The duty-free de-minimis was cut from €150 to €30 (in force 21 Aug 2024) and effectively ~€27 with shipping (Dec 2024); parcels are hit with a single flat customs charge of 30% of value for EU-origin goods and 60% for non-EU (plus special consumption tax where relevant). Non-EU customs clearance plus these high duties make ordering from abroad slow and expensive → 'significant-friction'. Domestic and outbound are unaffected.
İzmir
Official source
- Data as of
- Jan 1, 2026
- Verified
- Jul 15, 2026
- Notes
- Cross-border inbound shipping faces heavy friction. The duty-free de-minimis was cut from €150 to €30 (in force 21 Aug 2024) and effectively ~€27 with shipping (Dec 2024); parcels are hit with a single flat customs charge of 30% of value for EU-origin goods and 60% for non-EU (plus special consumption tax where relevant). Non-EU customs clearance plus these high duties make ordering from abroad slow and expensive → 'significant-friction'. Domestic and outbound are unaffected.
03+−Internet speedMbps, median fixed downloadAnkara12.1İzmir12.1
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.
Ankara
M-Lab NDT country aggregates for Türkiye (Asia grouping)
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 15, 2026
- Method
- Median of the 343 daily country-median download values for TR in 2023 = 12.09 Mbps (402,083 download tests; Türkiye is filed under M-Lab's Asia (AS) continent grouping, not EU). M-Lab NDT is single-stream and reads well below marketed figures — Turkish fibre commonly markets 100–1000 Mbps — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
- Notes
- The single-stream M-Lab median is low (and the lowest in the set) but reflects a consistent cross-country method, not real fibre-line speeds; Turkish fixed broadband is much faster in practice.
İzmir
M-Lab NDT country aggregates for Türkiye (Asia grouping)
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 15, 2026
- Method
- Median of the 343 daily country-median download values for TR in 2023 = 12.09 Mbps (402,083 download tests; Türkiye is filed under M-Lab's Asia (AS) continent grouping, not EU). M-Lab NDT is single-stream and reads well below marketed figures — Turkish fibre commonly markets 100–1000 Mbps — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
- Notes
- The single-stream M-Lab median is low (and the lowest in the set) but reflects a consistent cross-country method, not real fibre-line speeds; Turkish fixed broadband is much faster in practice.
10
Language
01+−English proficiencyAnkaraLowİzmirLow
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.
Ankara
EF EPI 2025 — Türkiye (rank 71/123, score 488, Low band)
Research
- Data as of
- Nov 1, 2025
- Verified
- Jul 15, 2026
- Notes
- Own band informed by EF EPI 2025 (attribution: EF Education First): Türkiye rank 71/123, score 488 (Low band, cutoff 450–499), a 9-point decline from the prior edition. English is workable in Istanbul/tourism and parts of the tech sector but thin in public offices and smaller cities; Turkish is the sole official language. The lowest English band in the set.
İzmir
EF EPI 2025 — Türkiye (rank 71/123, score 488, Low band)
Research
- Data as of
- Nov 1, 2025
- Verified
- Jul 15, 2026
- Notes
- Own band informed by EF EPI 2025 (attribution: EF Education First): Türkiye rank 71/123, score 488 (Low band, cutoff 450–499), a 9-point decline from the prior edition. English is workable in Istanbul/tourism and parts of the tech sector but thin in public offices and smaller cities; Turkish is the sole official language. The lowest English band in the set.
11
Education
01+−International schoolsaccredited international schools, countAnkarastronger8İzmir4
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).
Ankara
IB (ibo.org) Find an IB World School registry — per-school verification for Ankara
Curated by SettleMetric
- Data as of
- Aug 16, 2026
- Verified
- Aug 16, 2026
- Method
- Verified floor of 8 IB World Schools in Ankara, each confirmed on its own ibo.org registry page (school code, city, 'IB School since' date, programmes): Bilkent Laboratory and International School (000894, 1996, PYP/MYP/DP), TED Ankara College Foundation High School (001129, 1999, DP), Privatschule der Deutschen Botschaft Ankara (001418, 2002, DP), Özel Bilkent Schools (004503, 2008, PYP/MYP/DP), Nesibe Aydın Educational Institutions Ankara (049668, 2014, PYP/DP), Arı Private Anatolian High School (050616, 2015, PYP/DP), Ankara Türk Telekom Sosyal Bilimler Lisesi (051026, 2016, DP — the one state school in the list), Ankara ABC Okulları (060339, 2020, PYP/DP). ibo.org now serves a bot challenge to automated requests, so each registry page was read through its Internet Archive snapshot (2022–2025, most recent per school) while the live canonical URLs still resolve for a human reader.
- Notes
- Conservative IB-only FLOOR, and the archive route means each authorisation is confirmed as of its snapshot rather than today — a school that left the programme since would still be counted. A ninth, Jale Tezer Educational Institutions (Çankaya, ibo.org school 052560), has a live registry page but no archive snapshot to read, so it is excluded. Cambridge, CIS and other accreditors are not counted at all, so the true number of international schools is higher. Fewer than Istanbul's 12, more than Antalya's 2 — expected for a capital with a large diplomatic community.
İzmir
IB (ibo.org) Find an IB World School registry — per-school verification for İzmir
Curated by SettleMetric
- Data as of
- Sep 4, 2026
- Verified
- Sep 4, 2026
- Method
- Verified floor of 4 IB World Schools in İzmir province, each confirmed on its own current ibo.org profile on 2026-09-04: (1) American Collegiate Institute / Özel İzmir Amerikan Koleji, code 002560, IB school since 2005-11-02, Konak; (2) MEF International School İzmir, code 002731, since 2022-05-26, Gaziemir; (3) Deutsche Schule Izmir, code 049477, since 2016-03-23, Urla; (4) Işıkkent Anadolu Lisesi, code 049989, IB school since 2014-04-08 with the Diploma Programme authorised 2018-05-07, Bornova. Same accreditor and same conservative basis as tr-istanbul (12), tr-ankara (8) and tr-antalya (2).
- Notes
- Conservative IB-only FLOOR, and a floor arrived at by verifying named schools rather than by querying the registry: ibo.org still answers its school-finder search with a bot challenge, so an exhaustive İzmir list cannot be pulled and schools we did not think to name would not appear here. Individual /en/school/{code} profiles are readable again on the apex host, which is how all four were confirmed. Schools holding Cambridge, CIS or COBIS accreditation without IB are excluded, so the true provision is higher. One boundary caveat: Deutsche Schule Izmir is in Urla, about 35 km west of the city centre — inside İzmir province and its metropolitan municipality, but not a school a family living in Konak would commute to. On three, İzmir would still be far behind Istanbul and Ankara.