Cyprus vs. Greece
Cyprus va por delante en impuestos, dinero y cripto. Greece va por delante en coste de vida, vivienda, infraestructura. Abajo, los datos criterio por criterio.
Verificado
Marcador
Las cifras clave cara a cara, con el lado más fuerte señalado. La puntuación global es decorativa; lo que importa es qué datos encajan contigo.
Resultado principal
Greece va por delante en 4 de 6
Cyprus
1
Greece
4
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- CYSTAT HBS 2023 gives mean annual consumption €43,263 per household (avg 2.6 persons, government-controlled area). A single-person, rent-excluded basket matching the criterion (food, transport, utilities, mobile+internet, modest leisure, personal care, out-of-pocket health) was built from the COICOP categories: food 6,254 + transport 5,004 + utilities (30% of the 11,884 housing category ≈ 3,565) + info&comm 1,468 + recreation 1,870 + half of restaurants (2,389) + personal care 2,075 + half of health (1,093) = ≈23,717/household/yr; ÷2.6 persons ×1.12 single-person economies-of-scale uplift = €851/mo; × ECB EUR/USD 1.1399 (2026-07-02) = ≈$970. Rent and imputed rent excluded. This is a curated estimate — CYSTAT does not publish a one-person-household table in the summary release, and housing utilities were split from rent using the ~30% ratio implied by Eurostat HICP weights for Cyprus.
ELSTAT — Household Budget Survey 2023
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2023
- Verificado
- 15 jul 2026
- Método
- ELSTAT HBS 2023: average annual expenditure per person = €8,358.24 = €696.52/month (monetary purchases, excludes imputed owner rent). Subtracted the actual-rent component (~€24.6/person) → €671.9/person excl. rent × 1.1399 = $766. Same low-reading per-capita HBS basis as peers.
- Notas
- Greek monetary household consumption is genuinely depressed (ELSTAT reports it ~20.5% below 2008), so the per-capita figure lands near Czechia despite Greece feeling pricier in tourist zones. Rent shown separately.
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best (and only) eligible self-employed scheme cy-self-employed-pit at €60,000 revenue with 10% deductible expenses (profit €54,000): social insurance 16.6% × 54,000 = 8,964; GHS 4% × 54,000 = 2,160; both deducted from the PIT base → chargeable 42,876; PIT on the 2026 bands (tax-free to 22,000; 20% 22–32k = 2,000; 25% 32–42k = 2,500; 30% on 876 = 262.80) = 4,762.80. Total levies 15,886.80 ÷ 60,000 = 26.5%. Non-dom status and the 50% first-employment exemption do not reduce self-employment trading income. Note: if the Income Tax Law Art.14 1/5 (20%) cap on the deductibility of contributions is applied strictly, the burden rises to ~27.7%; the full-deduction figure (common practitioner treatment) is used here.
SettleMetric tax engine over official 2026 rules (Law 5246/2025 income-tax scale + e-EFKA Class 1)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 15 jul 2026
- Método
- Standard freelancer scheme at €60,000, single (scheme gr-freelancer-standard): EFKA Class 1 = 3,006/yr (deductible); income tax on 56,994 via the 2026 scale (9/20/26/34/39%) = 15,528. Levies 18,534 → 30.9%. NOTE: a relocating new tax resident gets the 50% income-tax exemption (Article 5C, scheme gr-freelancer-newresident-50) for 7 years, cutting this to ≈13.5% — but the 30.9% standard figure is the unconditional, steady-state burden shown as the headline.
Eurostat — police-recorded intentional homicide (ICCS0101, per 100k)
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- 2024 = 0.93 per 100,000 (latest year). Small-population volatility: the series swings year to year (2022: 0.77; 2023: 1.05; 2024: 0.93). Covers the government-controlled area.
Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB, geo=EL)
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 15 jul 2026
- Notas
- Police-recorded intentional homicide, 2024 (0.78). Very low by global standards (world average ~5.8) and down over the series (1.29 in 2008 to 0.68–0.88 recently). One of the safer countries in the set.
M-Lab NDT country aggregates for Cyprus
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Método
- Median of 343 daily country-level download medians (download_MED) for 2023 — the latest full year in M-Lab's public stats API (2024 has only ~86 days; 2025/2026 not yet published).
- Notas
- M-Lab NDT is single-stream and reads well below Ookla-style figures — comparable only within this criterion. Cyprus fixed broadband is largely VDSL/FTTH; real retail speeds are much higher than this test-based median.
M-Lab NDT country aggregates for Greece
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 15 jul 2026
- Método
- Median of the 343 daily country-median download values for GR in 2023 = 37.3 Mbps (268,076 download tests; daily medians ranged 21.3–47.3). M-Lab NDT is single-stream and reads below Ookla-style tests — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
- Notas
- Greece's fixed broadband is improving as fibre rolls out; the single-stream M-Lab median is used only for cross-country comparability on one consistent method.
EF EPI 2025 (Cyprus rank 40, score 537 — 'Moderate' band) + official language/service-sector reality
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Our band 'high'. English is very widely usable in daily life across Cyprus — a former British colony where English is common in business, tourism, banking, private healthcare and among the large expat community, and is widely taught. We place it one band above EF EPI's 2025 'Moderate' (score 537, dropped 21 points from 2024) because EF measures adult test-takers rather than the service-sector prevalence a resident actually encounters; government paperwork is primarily in Greek. Attribution: EF Education First.
EF EPI 2025 — Greece (score 592, rank 20/123, High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 15 jul 2026
- Notas
- Own band informed by EF EPI 2025 (attribution: EF Education First): Greece scores 592, rank 20/123 — top of the 'High' band, just below the 'Very High' threshold (~600); global average 488. English is widely functional in tourism, services and among younger Greeks, though the score slipped 10 points from the prior edition.
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Comprehensive plans covering BOTH inpatient and outpatient care for a healthy 35-year-old (e.g. top-tier plans from Eurolife/Medica, TruCare, Bupa Global local) run ≈ €80–150/month ≈ €960–1,800/yr; healthy-35 midpoint ≈ €1,200/yr ≈ $1,370 at 1.1399 EUR/USD. Chosen on the with-inpatient comprehensive basis to be comparable across countries. Premiums are quoted on request (insurers do not publish full tables), so this is a curated market midpoint, not an engine quote. Cheaper inpatient-only or outpatient-only plans exist (≈ €500–720/yr). Residents are also covered by the public GHS/GeSY.
Recopilado por SettleMetric
- Datos a fecha de
- 15 jul 2026
- Verificado
- 15 jul 2026
- Método
- Midpoint of local comprehensive (inpatient + outpatient) annual premiums for a healthy 35-year-old, €600–1,800 from major Greek insurers (mid-range €100–180/month) → ~€1,200/yr × 1.1399 = $1,368.
- Notas
- Public cover exists via EOPYY (funded through EFKA contributions), but waiting lists and gaps drive a large private market. Local plans run cheaper than international/expat plans ($2,000–4,000+/yr). Greek insurers raised premiums ~14% in 2025 — a rising curated midpoint, not a firm quote.
Veredicto
Cada perspectiva pondera solo los datos que importan a ese plan y dice a qué lado favorece.
Informática remota / autónomo
Contrato o trabajo por cuenta propia en tecnología, facturando a clientes de fuera.
Greece encaja mejor: 2 de 5
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best (and only) eligible self-employed scheme cy-self-employed-pit at €60,000 revenue with 10% deductible expenses (profit €54,000): social insurance 16.6% × 54,000 = 8,964; GHS 4% × 54,000 = 2,160; both deducted from the PIT base → chargeable 42,876; PIT on the 2026 bands (tax-free to 22,000; 20% 22–32k = 2,000; 25% 32–42k = 2,500; 30% on 876 = 262.80) = 4,762.80. Total levies 15,886.80 ÷ 60,000 = 26.5%. Non-dom status and the 50% first-employment exemption do not reduce self-employment trading income. Note: if the Income Tax Law Art.14 1/5 (20%) cap on the deductibility of contributions is applied strictly, the burden rises to ~27.7%; the full-deduction figure (common practitioner treatment) is used here.
SettleMetric tax engine over official 2026 rules (Law 5246/2025 income-tax scale + e-EFKA Class 1)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 15 jul 2026
- Método
- Standard freelancer scheme at €60,000, single (scheme gr-freelancer-standard): EFKA Class 1 = 3,006/yr (deductible); income tax on 56,994 via the 2026 scale (9/20/26/34/39%) = 15,528. Levies 18,534 → 30.9%. NOTE: a relocating new tax resident gets the 50% income-tax exemption (Article 5C, scheme gr-freelancer-newresident-50) for 7 years, cutting this to ≈13.5% — but the 30.9% standard figure is the unconditional, steady-state burden shown as the headline.
M-Lab NDT country aggregates for Cyprus
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Método
- Median of 343 daily country-level download medians (download_MED) for 2023 — the latest full year in M-Lab's public stats API (2024 has only ~86 days; 2025/2026 not yet published).
- Notas
- M-Lab NDT is single-stream and reads well below Ookla-style figures — comparable only within this criterion. Cyprus fixed broadband is largely VDSL/FTTH; real retail speeds are much higher than this test-based median.
M-Lab NDT country aggregates for Greece
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 15 jul 2026
- Método
- Median of the 343 daily country-median download values for GR in 2023 = 37.3 Mbps (268,076 download tests; daily medians ranged 21.3–47.3). M-Lab NDT is single-stream and reads below Ookla-style tests — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
- Notas
- Greece's fixed broadband is improving as fibre rolls out; the single-stream M-Lab median is used only for cross-country comparability on one consistent method.
EF EPI 2025 (Cyprus rank 40, score 537 — 'Moderate' band) + official language/service-sector reality
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Our band 'high'. English is very widely usable in daily life across Cyprus — a former British colony where English is common in business, tourism, banking, private healthcare and among the large expat community, and is widely taught. We place it one band above EF EPI's 2025 'Moderate' (score 537, dropped 21 points from 2024) because EF measures adult test-takers rather than the service-sector prevalence a resident actually encounters; government paperwork is primarily in Greek. Attribution: EF Education First.
EF EPI 2025 — Greece (score 592, rank 20/123, High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 15 jul 2026
- Notas
- Own band informed by EF EPI 2025 (attribution: EF Education First): Greece scores 592, rank 20/123 — top of the 'High' band, just below the 'Very High' threshold (~600); global average 488. English is widely functional in tourism, services and among younger Greeks, though the score slipped 10 points from the prior edition.
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- CYSTAT HBS 2023 gives mean annual consumption €43,263 per household (avg 2.6 persons, government-controlled area). A single-person, rent-excluded basket matching the criterion (food, transport, utilities, mobile+internet, modest leisure, personal care, out-of-pocket health) was built from the COICOP categories: food 6,254 + transport 5,004 + utilities (30% of the 11,884 housing category ≈ 3,565) + info&comm 1,468 + recreation 1,870 + half of restaurants (2,389) + personal care 2,075 + half of health (1,093) = ≈23,717/household/yr; ÷2.6 persons ×1.12 single-person economies-of-scale uplift = €851/mo; × ECB EUR/USD 1.1399 (2026-07-02) = ≈$970. Rent and imputed rent excluded. This is a curated estimate — CYSTAT does not publish a one-person-household table in the summary release, and housing utilities were split from rent using the ~30% ratio implied by Eurostat HICP weights for Cyprus.
ELSTAT — Household Budget Survey 2023
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2023
- Verificado
- 15 jul 2026
- Método
- ELSTAT HBS 2023: average annual expenditure per person = €8,358.24 = €696.52/month (monetary purchases, excludes imputed owner rent). Subtracted the actual-rent component (~€24.6/person) → €671.9/person excl. rent × 1.1399 = $766. Same low-reading per-capita HBS basis as peers.
- Notas
- Greek monetary household consumption is genuinely depressed (ELSTAT reports it ~20.5% below 2008), so the per-capita figure lands near Czechia despite Greece feeling pricier in tourist zones. Rent shown separately.
Cyprus Post (national operator) + ACS Courier / DHL (largest domestic carrier) official pages
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Classified from the national postal operator's and the largest private courier's official service/coverage data: Cyprus Post (~51 service points, EMS, tracking) plus ACS Courier (largest domestic courier, DHL's exclusive Cyprus parcel partner, cash-on-delivery, Saturday delivery) and DHL/UPS/FedEx cover the whole government-controlled area. Typically 1–3 day to-door delivery with tracking and common cash-on-delivery, but parcel-locker density is low compared with locker-first markets → 'good' rather than 'excellent'.
- Notas
- Small-island logistics; government-controlled area.
Greek carrier networks (ELTA, ACS, BoxNow) — composite
Recopilado por SettleMetric
- Datos a fecha de
- 15 jul 2026
- Verificado
- 15 jul 2026
- Método
- Dense mainland-city coverage: national couriers (ELTA post, ACS, Geniki Taxydromiki, Speedex) plus one of SE Europe's largest parcel-locker networks (BoxNow) and Skroutz Last Mile; cash-on-delivery ('αντικαταβολή') is mainstream. Athens/Thessaloniki are excellent, but ELTA's financial troubles and ferry-dependent island last-mile keep the national rating at 'good' rather than 'excellent'.
Familia
Mudarse con pareja e hijos en edad escolar.
Greece encaja mejor: 2 de 3
Eurostat — police-recorded intentional homicide (ICCS0101, per 100k)
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- 2024 = 0.93 per 100,000 (latest year). Small-population volatility: the series swings year to year (2022: 0.77; 2023: 1.05; 2024: 0.93). Covers the government-controlled area.
Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB, geo=EL)
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 15 jul 2026
- Notas
- Police-recorded intentional homicide, 2024 (0.78). Very low by global standards (world average ~5.8) and down over the series (1.29 in 2008 to 0.68–0.88 recently). One of the safer countries in the set.
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Comprehensive plans covering BOTH inpatient and outpatient care for a healthy 35-year-old (e.g. top-tier plans from Eurolife/Medica, TruCare, Bupa Global local) run ≈ €80–150/month ≈ €960–1,800/yr; healthy-35 midpoint ≈ €1,200/yr ≈ $1,370 at 1.1399 EUR/USD. Chosen on the with-inpatient comprehensive basis to be comparable across countries. Premiums are quoted on request (insurers do not publish full tables), so this is a curated market midpoint, not an engine quote. Cheaper inpatient-only or outpatient-only plans exist (≈ €500–720/yr). Residents are also covered by the public GHS/GeSY.
Recopilado por SettleMetric
- Datos a fecha de
- 15 jul 2026
- Verificado
- 15 jul 2026
- Método
- Midpoint of local comprehensive (inpatient + outpatient) annual premiums for a healthy 35-year-old, €600–1,800 from major Greek insurers (mid-range €100–180/month) → ~€1,200/yr × 1.1399 = $1,368.
- Notas
- Public cover exists via EOPYY (funded through EFKA contributions), but waiting lists and gaps drive a large private market. Local plans run cheaper than international/expat plans ($2,000–4,000+/yr). Greek insurers raised premiums ~14% in 2025 — a rising curated midpoint, not a firm quote.
EF EPI 2025 (Cyprus rank 40, score 537 — 'Moderate' band) + official language/service-sector reality
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Our band 'high'. English is very widely usable in daily life across Cyprus — a former British colony where English is common in business, tourism, banking, private healthcare and among the large expat community, and is widely taught. We place it one band above EF EPI's 2025 'Moderate' (score 537, dropped 21 points from 2024) because EF measures adult test-takers rather than the service-sector prevalence a resident actually encounters; government paperwork is primarily in Greek. Attribution: EF Education First.
EF EPI 2025 — Greece (score 592, rank 20/123, High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 15 jul 2026
- Notas
- Own band informed by EF EPI 2025 (attribution: EF Education First): Greece scores 592, rank 20/123 — top of the 'High' band, just below the 'Very High' threshold (~600); global average 488. English is widely functional in tourism, services and among younger Greeks, though the score slipped 10 points from the prior edition.
Dinero y cripto
Optimizar impuestos, banca y normas sobre cripto.
Cyprus encaja mejor: 2 de 3
Central Bank of Cyprus — MiCAR (Markets in Crypto-Assets Regulation, EU 2023/1114)
Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Notas
- Holding, trading and cashing out crypto are legal for individuals under standard EU rules. Cyprus applies MiCAR (supervised by CySEC and, for e-money/asset-referenced tokens, the Central Bank of Cyprus); the former national CASP register (CySEC) is being wound down — CASPs must be MiCA-authorised by 27 Feb 2026 and legacy registrations expire by 1 Jul 2026. Individual crypto gains are generally taxed under normal rules (badges-of-trade test); no crypto-specific individual tax break was found on official pages at verification.
Fuente oficial
- Datos a fecha de
- 10 abr 2025
- Verificado
- 15 jul 2026
- Notas
- EU MiCA applies and was transposed by Law 5193/2025 (10 April 2025), with CASP licensing and EU passporting, supervised by HCMC and the Bank of Greece. Individual crypto capital gains are taxed at a flat 15% (from 1 Jan 2025), with a €500 annual tax-free threshold and 5-year loss carry-forward. Fully legal and now clearly regulated/taxed rather than a grey area.
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Composite: Cyprus is a euro-area EU member — the euro is fully convertible with free movement of capital across the EU/EEA; the 2013 capital controls were fully lifted in April 2015 and none apply today. Non-residents can open bank accounts (subject to standard AML/KYC). No FBAR-style foreign-account self-declaration for residents; standard EU CRS automatic exchange applies via banks. Non-dom residents are exempt from Special Defence Contribution on dividends/interest, reducing the reporting burden on passive income. No cash-transaction limit as restrictive as some EU states. Classified 'low' state control over personal money flows.
Fuente oficial
- Datos a fecha de
- 31 dic 2025
- Verificado
- 15 jul 2026
- Método
- Composite: EUR (eurozone), full EU free movement of capital; the 2015 crisis-era capital controls were fully lifted on 1 September 2019, so funds move abroad without restriction. Offsetting this: Greece has the STRICTEST cash-payment cap in the EU (€500 for consumer transactions; breaches fined at double the amount) plus routine AML/CASP reporting. The open capital account alone reads 'low', but the €500 everyday-cash restriction pulls the composite up to 'moderate'.
- Notas
- A 2025–26 proposal to cut the cap to €200 was withdrawn; the €500 limit remains.
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best (and only) eligible self-employed scheme cy-self-employed-pit at €60,000 revenue with 10% deductible expenses (profit €54,000): social insurance 16.6% × 54,000 = 8,964; GHS 4% × 54,000 = 2,160; both deducted from the PIT base → chargeable 42,876; PIT on the 2026 bands (tax-free to 22,000; 20% 22–32k = 2,000; 25% 32–42k = 2,500; 30% on 876 = 262.80) = 4,762.80. Total levies 15,886.80 ÷ 60,000 = 26.5%. Non-dom status and the 50% first-employment exemption do not reduce self-employment trading income. Note: if the Income Tax Law Art.14 1/5 (20%) cap on the deductibility of contributions is applied strictly, the burden rises to ~27.7%; the full-deduction figure (common practitioner treatment) is used here.
SettleMetric tax engine over official 2026 rules (Law 5246/2025 income-tax scale + e-EFKA Class 1)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 15 jul 2026
- Método
- Standard freelancer scheme at €60,000, single (scheme gr-freelancer-standard): EFKA Class 1 = 3,006/yr (deductible); income tax on 56,994 via the 2026 scale (9/20/26/34/39%) = 15,528. Levies 18,534 → 30.9%. NOTE: a relocating new tax resident gets the 50% income-tax exemption (Article 5C, scheme gr-freelancer-newresident-50) for 7 years, cutting this to ≈13.5% — but the 30.9% standard figure is the unconditional, steady-state burden shown as the headline.
Vida tranquila
Priorizar la seguridad, el aire y una vida diaria sencilla.
Greece encaja mejor: 2 de 2
Eurostat — police-recorded intentional homicide (ICCS0101, per 100k)
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- 2024 = 0.93 per 100,000 (latest year). Small-population volatility: the series swings year to year (2022: 0.77; 2023: 1.05; 2024: 0.93). Covers the government-controlled area.
Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB, geo=EL)
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 15 jul 2026
- Notas
- Police-recorded intentional homicide, 2024 (0.78). Very low by global standards (world average ~5.8) and down over the series (1.29 in 2008 to 0.68–0.88 recently). One of the safer countries in the set.
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- CYSTAT HBS 2023 gives mean annual consumption €43,263 per household (avg 2.6 persons, government-controlled area). A single-person, rent-excluded basket matching the criterion (food, transport, utilities, mobile+internet, modest leisure, personal care, out-of-pocket health) was built from the COICOP categories: food 6,254 + transport 5,004 + utilities (30% of the 11,884 housing category ≈ 3,565) + info&comm 1,468 + recreation 1,870 + half of restaurants (2,389) + personal care 2,075 + half of health (1,093) = ≈23,717/household/yr; ÷2.6 persons ×1.12 single-person economies-of-scale uplift = €851/mo; × ECB EUR/USD 1.1399 (2026-07-02) = ≈$970. Rent and imputed rent excluded. This is a curated estimate — CYSTAT does not publish a one-person-household table in the summary release, and housing utilities were split from rent using the ~30% ratio implied by Eurostat HICP weights for Cyprus.
ELSTAT — Household Budget Survey 2023
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2023
- Verificado
- 15 jul 2026
- Método
- ELSTAT HBS 2023: average annual expenditure per person = €8,358.24 = €696.52/month (monetary purchases, excludes imputed owner rent). Subtracted the actual-rent component (~€24.6/person) → €671.9/person excl. rent × 1.1399 = $766. Same low-reading per-capita HBS basis as peers.
- Notas
- Greek monetary household consumption is genuinely depressed (ELSTAT reports it ~20.5% below 2008), so the per-capita figure lands near Czechia despite Greece feeling pricier in tourist zones. Rent shown separately.
Detalles
Impuestos
01+−Freelancer tax burden% effective burden at €60k/year self-employed profileCyprusmejor26,5Greece30,9
Qué mide esto
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.
Cyprus
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best (and only) eligible self-employed scheme cy-self-employed-pit at €60,000 revenue with 10% deductible expenses (profit €54,000): social insurance 16.6% × 54,000 = 8,964; GHS 4% × 54,000 = 2,160; both deducted from the PIT base → chargeable 42,876; PIT on the 2026 bands (tax-free to 22,000; 20% 22–32k = 2,000; 25% 32–42k = 2,500; 30% on 876 = 262.80) = 4,762.80. Total levies 15,886.80 ÷ 60,000 = 26.5%. Non-dom status and the 50% first-employment exemption do not reduce self-employment trading income. Note: if the Income Tax Law Art.14 1/5 (20%) cap on the deductibility of contributions is applied strictly, the burden rises to ~27.7%; the full-deduction figure (common practitioner treatment) is used here.
Greece
SettleMetric tax engine over official 2026 rules (Law 5246/2025 income-tax scale + e-EFKA Class 1)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 15 jul 2026
- Método
- Standard freelancer scheme at €60,000, single (scheme gr-freelancer-standard): EFKA Class 1 = 3,006/yr (deductible); income tax on 56,994 via the 2026 scale (9/20/26/34/39%) = 15,528. Levies 18,534 → 30.9%. NOTE: a relocating new tax resident gets the 50% income-tax exemption (Article 5C, scheme gr-freelancer-newresident-50) for 7 years, cutting this to ≈13.5% — but the 30.9% standard figure is the unconditional, steady-state burden shown as the headline.
Legalización
01+−Remote-work legalization easeCyprusDedicated nomad visaGreeceDedicated nomad visa
Qué mide esto
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.
Cyprus
Cyprus Migration Department (Civil Registry & Migration) — Digital nomads and family members
Fuente oficial
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Notas
- Cyprus operates a dedicated Digital Nomad Visa (Council of Ministers scheme): third-country nationals working remotely for foreign employers or clients, minimum net monthly income €3,500, 1-year residence renewable up to 3 years, family included, quota 500 permits. The official gov.cy Migration Department page is the source; it sits behind an Azure WAF that blocked automated fetch, so the €3,500 / 3-year / 500-quota figures were cross-checked against multiple secondary sources reproducing that page — re-verify the live figures from a browser next cycle.
Greece
Hellenic Republic MFA — Digital Nomad Visa (Law 4825/2021)
Fuente oficial
- Datos a fecha de
- 1 ene 2026
- Verificado
- 15 jul 2026
- Notas
- Greece runs a dedicated digital-nomad visa (Law 4825/2021): a 12-month visa then a 2-year residence permit for non-EU remote workers earning ≥ €3,500/month net from abroad. Paired with the 50% new-resident income-tax exemption it is one of the EU's most marketed relocation deals for mid-income freelancers, though the income bar is higher than in Albania or Bulgaria. EU citizens simply register.
Coste de vida
01+−Cost of living (single, excl. rent)USD/month, single person, excluding rentCyprus970Greecemejor766
Qué mide esto
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.
Cyprus
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- CYSTAT HBS 2023 gives mean annual consumption €43,263 per household (avg 2.6 persons, government-controlled area). A single-person, rent-excluded basket matching the criterion (food, transport, utilities, mobile+internet, modest leisure, personal care, out-of-pocket health) was built from the COICOP categories: food 6,254 + transport 5,004 + utilities (30% of the 11,884 housing category ≈ 3,565) + info&comm 1,468 + recreation 1,870 + half of restaurants (2,389) + personal care 2,075 + half of health (1,093) = ≈23,717/household/yr; ÷2.6 persons ×1.12 single-person economies-of-scale uplift = €851/mo; × ECB EUR/USD 1.1399 (2026-07-02) = ≈$970. Rent and imputed rent excluded. This is a curated estimate — CYSTAT does not publish a one-person-household table in the summary release, and housing utilities were split from rent using the ~30% ratio implied by Eurostat HICP weights for Cyprus.
Greece
ELSTAT — Household Budget Survey 2023
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2023
- Verificado
- 15 jul 2026
- Método
- ELSTAT HBS 2023: average annual expenditure per person = €8,358.24 = €696.52/month (monetary purchases, excludes imputed owner rent). Subtracted the actual-rent component (~€24.6/person) → €671.9/person excl. rent × 1.1399 = $766. Same low-reading per-capita HBS basis as peers.
- Notas
- Greek monetary household consumption is genuinely depressed (ELSTAT reports it ~20.5% below 2008), so the per-capita figure lands near Czechia despite Greece feeling pricier in tourist zones. Rent shown separately.
Gasto mensual por categoría (sin alquiler)
CYSTAT Household Budget Survey 2023, single-person basket curated
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- CYSTAT HBS 2023 mean household spending by COICOP category, per-capita (÷2.6) with a 1.12 single-person uplift, converted at 1.1399 EUR/USD (ECB 2026-07-02). Housing shown as the utilities slice only (~30% of the housing category); rent and imputed rent excluded. Categories sum to ≈$972, matching the ~$970 cost-of-living aggregate. National average (government-controlled area); Limassol runs higher.
ELSTAT — Household Budget Survey 2023, Table 1 (COICOP shares)
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2023
- Verificado
- 15 jul 2026
- Método
- ELSTAT HBS 2023 Table 1 per-household monthly amounts, with €59.5 rent removed from the Housing line, each divided by household size 2.42 and converted at 1.1399. Items sum to ≈$766. Housing here is utilities/energy/water/maintenance only (rent excluded); Greek energy costs are relatively high, keeping that line large.
Vivienda
Alquiler por tipo de vivienda
Alquiler de oferta: precio en el centro, con el de fuera del centro entre paréntesis ($/mes).
SettleMetric — population-weighted average of covered cities (Limassol, Nicosia)
Recopilado por SettleMetric
- Datos a fecha de
- 3 jul 2026
- Verificado
- 4 jul 2026
- Método
- Population-weighted mean of the rent-breakdown matrices of Limassol, Nicosia; each cell averages the cities that report it. See each city page for its exact local matrix.
SettleMetric — population-weighted average of covered cities (Athens, Thessaloniki)
Recopilado por SettleMetric
- Datos a fecha de
- 31 mar 2026
- Verificado
- 15 jul 2026
- Método
- Population-weighted mean of the rent-breakdown matrices of Athens, Thessaloniki; each cell averages the cities that report it. See each city page for its exact local matrix.
Seguridad
01+−Homicide rateintentional homicides per 100,000/yearCyprus0,9Greecemejor0,8
Qué mide esto
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).
Cyprus
Eurostat — police-recorded intentional homicide (ICCS0101, per 100k)
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- 2024 = 0.93 per 100,000 (latest year). Small-population volatility: the series swings year to year (2022: 0.77; 2023: 1.05; 2024: 0.93). Covers the government-controlled area.
Greece
Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB, geo=EL)
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 15 jul 2026
- Notas
- Police-recorded intentional homicide, 2024 (0.78). Very low by global standards (world average ~5.8) and down over the series (1.29 in 2008 to 0.68–0.88 recently). One of the safer countries in the set.
Sanidad
01+−Private healthcare costUSD/year, comprehensive private insurance premium, healthy 35-year-oldCyprus1370Greecemejor1368
Qué mide esto
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.
Cyprus
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Comprehensive plans covering BOTH inpatient and outpatient care for a healthy 35-year-old (e.g. top-tier plans from Eurolife/Medica, TruCare, Bupa Global local) run ≈ €80–150/month ≈ €960–1,800/yr; healthy-35 midpoint ≈ €1,200/yr ≈ $1,370 at 1.1399 EUR/USD. Chosen on the with-inpatient comprehensive basis to be comparable across countries. Premiums are quoted on request (insurers do not publish full tables), so this is a curated market midpoint, not an engine quote. Cheaper inpatient-only or outpatient-only plans exist (≈ €500–720/yr). Residents are also covered by the public GHS/GeSY.
Greece
Recopilado por SettleMetric
- Datos a fecha de
- 15 jul 2026
- Verificado
- 15 jul 2026
- Método
- Midpoint of local comprehensive (inpatient + outpatient) annual premiums for a healthy 35-year-old, €600–1,800 from major Greek insurers (mid-range €100–180/month) → ~€1,200/yr × 1.1399 = $1,368.
- Notas
- Public cover exists via EOPYY (funded through EFKA contributions), but waiting lists and gaps drive a large private market. Local plans run cheaper than international/expat plans ($2,000–4,000+/yr). Greek insurers raised premiums ~14% in 2025 — a rising curated midpoint, not a firm quote.
Dinero y cripto
01+−Crypto regulationCyprusLegal regulatedGreeceLegal regulated
Qué mide esto
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.
Cyprus
Central Bank of Cyprus — MiCAR (Markets in Crypto-Assets Regulation, EU 2023/1114)
Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Notas
- Holding, trading and cashing out crypto are legal for individuals under standard EU rules. Cyprus applies MiCAR (supervised by CySEC and, for e-money/asset-referenced tokens, the Central Bank of Cyprus); the former national CASP register (CySEC) is being wound down — CASPs must be MiCA-authorised by 27 Feb 2026 and legacy registrations expire by 1 Jul 2026. Individual crypto gains are generally taxed under normal rules (badges-of-trade test); no crypto-specific individual tax break was found on official pages at verification.
Greece
Fuente oficial
- Datos a fecha de
- 10 abr 2025
- Verificado
- 15 jul 2026
- Notas
- EU MiCA applies and was transposed by Law 5193/2025 (10 April 2025), with CASP licensing and EU passporting, supervised by HCMC and the Bank of Greece. Individual crypto capital gains are taxed at a flat 15% (from 1 Jan 2025), with a €500 annual tax-free threshold and 5-year loss carry-forward. Fully legal and now clearly regulated/taxed rather than a grey area.
02+−Financial control levelCyprusmejorLowGreeceModerate
Qué mide esto
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.
Cyprus
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Composite: Cyprus is a euro-area EU member — the euro is fully convertible with free movement of capital across the EU/EEA; the 2013 capital controls were fully lifted in April 2015 and none apply today. Non-residents can open bank accounts (subject to standard AML/KYC). No FBAR-style foreign-account self-declaration for residents; standard EU CRS automatic exchange applies via banks. Non-dom residents are exempt from Special Defence Contribution on dividends/interest, reducing the reporting burden on passive income. No cash-transaction limit as restrictive as some EU states. Classified 'low' state control over personal money flows.
Greece
Fuente oficial
- Datos a fecha de
- 31 dic 2025
- Verificado
- 15 jul 2026
- Método
- Composite: EUR (eurozone), full EU free movement of capital; the 2015 crisis-era capital controls were fully lifted on 1 September 2019, so funds move abroad without restriction. Offsetting this: Greece has the STRICTEST cash-payment cap in the EU (€500 for consumer transactions; breaches fined at double the amount) plus routine AML/CASP reporting. The open capital account alone reads 'low', but the €500 everyday-cash restriction pulls the composite up to 'moderate'.
- Notas
- A 2025–26 proposal to cut the cap to €200 was withdrawn; the €500 limit remains.
Infraestructura
01+−Domestic delivery qualityCyprusGoodGreeceGood
Qué mide esto
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.
Cyprus
Cyprus Post (national operator) + ACS Courier / DHL (largest domestic carrier) official pages
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Classified from the national postal operator's and the largest private courier's official service/coverage data: Cyprus Post (~51 service points, EMS, tracking) plus ACS Courier (largest domestic courier, DHL's exclusive Cyprus parcel partner, cash-on-delivery, Saturday delivery) and DHL/UPS/FedEx cover the whole government-controlled area. Typically 1–3 day to-door delivery with tracking and common cash-on-delivery, but parcel-locker density is low compared with locker-first markets → 'good' rather than 'excellent'.
- Notas
- Small-island logistics; government-controlled area.
Greece
Greek carrier networks (ELTA, ACS, BoxNow) — composite
Recopilado por SettleMetric
- Datos a fecha de
- 15 jul 2026
- Verificado
- 15 jul 2026
- Método
- Dense mainland-city coverage: national couriers (ELTA post, ACS, Geniki Taxydromiki, Speedex) plus one of SE Europe's largest parcel-locker networks (BoxNow) and Skroutz Last Mile; cash-on-delivery ('αντικαταβολή') is mainstream. Athens/Thessaloniki are excellent, but ELTA's financial troubles and ferry-dependent island last-mile keep the national rating at 'good' rather than 'excellent'.
02+−International delivery easeCyprusMinor frictionGreecemejorSeamless
Qué mide esto
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.
Cyprus
Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Notas
- Intra-EU shipping is frictionless (single market; DHL/ACS/UPS/FedEx all operate). Non-EU imports: the €150 duty-free threshold was removed on 2026-07-01, with a temporary €3/item flat duty on ≤€150 consignments until 2028; VAT (19%) applies from checkout via IOSS or on import. As an island, Cyprus has slightly longer transit and occasional customs handling, but clearance is predictable — 'minor-friction'.
Greece
EU single market / customs union membership (Greece) + integrator coverage
Recopilado por SettleMetric
- Datos a fecha de
- 15 jul 2026
- Verificado
- 15 jul 2026
- Método
- Qualitative rating from EU membership: as an EU/Schengen customs-union member, intra-EU parcels move without customs or border VAT, so the bulk of European e-commerce is frictionless, and all major integrators (DHL, FedEx, UPS, ACS/Aramex) operate → 'seamless'. Minor caveats (not enough to downgrade): Greece is geographically peripheral (a day or two longer than core-EU hubs), non-EU imports clear customs normally, and island delivery adds domestic delay.
- Notas
- Intra-EU frictionless; the geographic periphery and islands add some transit time but not customs friction.
03+−Internet speedMbps, median fixed downloadCyprus16,8Greecemejor37,3
Qué mide esto
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.
Cyprus
M-Lab NDT country aggregates for Cyprus
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Método
- Median of 343 daily country-level download medians (download_MED) for 2023 — the latest full year in M-Lab's public stats API (2024 has only ~86 days; 2025/2026 not yet published).
- Notas
- M-Lab NDT is single-stream and reads well below Ookla-style figures — comparable only within this criterion. Cyprus fixed broadband is largely VDSL/FTTH; real retail speeds are much higher than this test-based median.
Greece
M-Lab NDT country aggregates for Greece
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 15 jul 2026
- Método
- Median of the 343 daily country-median download values for GR in 2023 = 37.3 Mbps (268,076 download tests; daily medians ranged 21.3–47.3). M-Lab NDT is single-stream and reads below Ookla-style tests — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
- Notas
- Greece's fixed broadband is improving as fibre rolls out; the single-stream M-Lab median is used only for cross-country comparability on one consistent method.
Idioma
01+−English proficiencyCyprusHighGreeceHigh
Qué mide esto
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.
Cyprus
EF EPI 2025 (Cyprus rank 40, score 537 — 'Moderate' band) + official language/service-sector reality
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Our band 'high'. English is very widely usable in daily life across Cyprus — a former British colony where English is common in business, tourism, banking, private healthcare and among the large expat community, and is widely taught. We place it one band above EF EPI's 2025 'Moderate' (score 537, dropped 21 points from 2024) because EF measures adult test-takers rather than the service-sector prevalence a resident actually encounters; government paperwork is primarily in Greek. Attribution: EF Education First.
Greece
EF EPI 2025 — Greece (score 592, rank 20/123, High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 15 jul 2026
- Notas
- Own band informed by EF EPI 2025 (attribution: EF Education First): Greece scores 592, rank 20/123 — top of the 'High' band, just below the 'Very High' threshold (~600); global average 488. English is widely functional in tourism, services and among younger Greeks, though the score slipped 10 points from the prior edition.
En profundidad: impuestos en Cyprus ·impuestos en Greece ·calculadora de ingreso neto