Living in Turkey offers a blend of affordability, vibrant culture, and Mediterranean charm. Whether you’re an expat relocating to Istanbul, a digital nomad setting up in Antalya, or a family moving to Ankara, understanding Turkey’s cost of living is essential for managing your finances effectively.

This guide breaks down the typical expenses you can expect in 2026 and offers practical tips for keeping your budget in check.

Average Costs of Living in Turkey (Excluding Rent)

Summary:
In 2026, the average cost of living in Turkey (excluding rent) is approximately ₺15,000–₺20,000 per month for a single person and around ₺45,000–₺55,000 for a family of four.

These costs include groceries, utilities, transportation, dining, and basic leisure activities. Major cities like Istanbul, Ankara, and Izmir are more expensive than smaller towns or coastal regions, but overall, Turkey remains one of the most affordable destinations in Europe and the Middle East.

Groceries & Daily Living

Grocery prices in Turkey are reasonable, especially for locally produced items such as fruits, vegetables, grains, and dairy. Imported goods, however, can be significantly more expensive due to high import taxes.

Average monthly grocery spending: ₺5,000–₺7,000 per person.

Typical prices for common items:

• Bread (500 g): ₺10–₺15

• 1 L of milk: ₺30–₺35

• A dozen eggs: ₺55–₺70

• 1 kg of rice: ₺45–₺60

• 1 kg of chicken breast: ₺150–₺200
  
  
  

• 1 kg of cheese: ₺250–₺300

• Fresh fruits (per kg): ₺40–₺70 depending on the season

• 1 kg of onions or potatoes: ₺25–₺35

• Bottle of mid-range wine: ₺350–₺500
  
  
  

Tip: Visit local markets (pazarlar) for fresh produce and regional delicacies, prices there can be up to 30 % lower than supermarkets.

Utilities & Communication

Utility costs in Turkey vary by city, building type, and season, with electricity and gas usage rising during summer and winter due to air conditioning and heating.

Average monthly utility costs for a medium apartment: ₺2,500–₺4,000
This includes:

• Electricity: ₺1,000–₺1,800

• Gas (heating): ₺600–₺1,000

• Water: ₺250–₺400

• Garbage and maintenance fees: ₺300–₺500

• Internet: ₺600–₺800

• Mobile phone plan: ₺400–₺600
  
  
  

Tip: Newer buildings tend to be better insulated and more energy-efficient, which can reduce both heating and cooling expenses significantly

Insurance & Healthcare

Turkey’s healthcare system combines public and private options. Public healthcare is accessible through the Social Security Institution (SGK) for residents, while private health insurance offers faster service and English-speaking medical staff for expats.

Health insurance:

• Public (SGK) contribution: typically 5–7 % of income.

• Private coverage: ₺5,000–₺12,000 per year depending on age and provider.
  
  
  

Other common insurance costs:

• Car insurance: ₺4,000–₺10,000 annually (depending on the vehicle).
  
  
  

• Home insurance: ₺1,500–₺3,500 per year for standard coverage.
  
  
  

Tip: Many expats opt for hybrid coverage, SGK for general care and a private plan for specialist or English-speaking facilities.

Transportation

Turkey has an extensive and affordable public transportation network, especially in major cities. Most locals use metros, trams, and buses daily, while taxis and ride-sharing apps are also widely available.

Typical transport costs:

• One-way metro/bus ticket: ₺20–₺35

• Monthly public transport pass: ₺1,200–₺1,800 (varies by city)

• Petrol: ₺45–₺50 per litre

• Taxi start fare: ₺40–₺60
  
  
  

Tip: Using public transport cards (Istanbulkart, Ankarakart, etc.) offers discounted fares and is more cost-effective than single tickets.

Dining & Entertainment

Dining in Turkey can range from inexpensive traditional meals to upscale international cuisine. Eating out is affordable compared to Western Europe, and local street food is both delicious and budget-friendly.

Typical dining and leisure costs:

• Meal at a casual restaurant: ₺200–₺300

• Three-course dinner for two (mid-range): ₺1,000–₺1,500

• Coffee or soft drink: ₺80–₺120

• Beer (0.5 L): ₺150–₺200

• Cinema ticket: ₺250–₺300

• Gym membership: ₺800–₺1,500 per month
  
  
  

Tip: Local eateries, lokantas, and bakeries offer excellent home-style meals for a fraction of restaurant prices.

Rent Costs in Turkey

Housing prices vary widely depending on the region. Istanbul and coastal tourist cities are more expensive, while inland areas like Konya, Bursa, or Eskisehir are significantly cheaper.

Average rent prices (2026 estimates):

• 1-bedroom apartment in city center: ₺20,000–₺35,000

• 1-bedroom apartment outside center: ₺12,000–₺20,000

• 3-bedroom apartment in city center: ₺35,000–₺60,000

• 3-bedroom apartment outside center: ₺25,000–₺40,000
  
  
  

Tip: Many landlords require a deposit of one to three months’ rent. Always clarify whether utilities and maintenance fees (aidat) are included in your monthly rent.

Essential Tips for Expense Management in Turkey

1. Shop local: Traditional markets and regional shops are cheaper than international chains.

2. Use public transport: It’s reliable, safe, and much cheaper than driving.

3. Avoid imported goods: Local food and products are significantly more affordable.

4. Compare insurance providers: Rates vary widely between local and international companies.

5. Negotiate rent: Long-term tenants can often secure better rates.

6. Monitor utility use: Energy prices fluctuate seasonally; plan ahead during summer and winter.

7. Leverage exchange rates: If earning in foreign currency, monitor conversion rates to maximize your spending power.
   
   
   

Conclusion

Living in Turkey in 2026 offers an appealing balance of affordability and quality of life.
A single person excluding rent should budget ₺15,000–₺20,000 per month, while a family of four should plan for ₺45,000–₺55,000.

By shopping smartly, using public transport, and taking advantage of Turkey’s local markets and community lifestyle, you can enjoy a comfortable and fulfilling life amid the country’s rich history, cuisine, and natural beauty, without breaking the bank.