How to live a successful expat life in Turkey

Living the expat life in Turkey is an amazing experience; we only need to look at existing expat communities to realise this. Turkey hosts many expats from European countries and other global enclaves. Some arrive to work, some to study at universities, and others to retire here. They are lured in by the adventure, filled with excitement, and a rich culture, uncertainty, and endless possibilities that easily match Western standards.

Now, matching the likes of Spain, Portugal, and France as ideals for overseas living, Turkey presents an intriguing and captivating choice with ancient and modern dynamism, making the country ideal for both cultural richness and contemporary conveniences.

Overall, Turkey's allure lies in diversity. The country caters to different lifestyle preferences, from bustling Istanbul, where centuries-old mosques coexist with contemporary skyscrapers, to the serene Mediterranean and Aegean beaches. Expats experience lively urban life, the tranquillity of coastal towns, and the charm of rural villages, all within a single day's journey.

Additionally, Turks are renowned for their warmth and friendliness, often making newcomers feel at home. This welcoming nature is deeply rooted in the culture, with hospitality being a significant aspect of Turkish life. From drinking tea with neighbours to family dinner invites, expats forge meaningful connections and friendships.

However, living as an expat involves adapting to new customs. The daily rhythm varies significantly from what foreigners are used to. Markets are bustling hubs of activity, street vendors offer fresh produce and local delicacies, and the call to prayer marks the passing of time in a uniquely Turkish way. Practical aspects of expat life, like finding housing, navigating healthcare systems, and understanding local laws, are made easier with the support of expat communities and numerous online resources.

But for most, this journey is about personal growth and discovery. It's about learning to navigate a new environment, forging new relationships, and creating a home away from home. The profound challenges and rewards offer a chance to live fully and authentically in a place as diverse and dynamic as its history. But here is our advice on what to expect when moving to Turkey.

Making Expat Life in Turkey Work for You

1: Hospitals and Healthcare Matters

Having healthcare insurance ensures expats' access to quality healthcare services. Don't underestimate Turkey's healthcare system. With places like Izmir Hospital and University being ranked as one of the world's best, there are professionals in all fields of medical health. Additionally, new hospitals are being built nationwide to replace outdated ones.

To access healthcare, though, insurance is essential unless you don't mind hefty bills. Every year, we read about holidaymakers who come to Turkey without insurance and end up with bills they cannot pay.

Healthcare insurance provides financial protection by covering medical expenses, hospitalisation costs, and other healthcare-related expenses. Expats buying insurance have peace of mind knowing they are covered for any health issues or medical emergencies that may arise. In Turkey, expats choose between social or private healthcare services.

The social system, known as the Universal Health Insurance System (Genel Sağlık Sigortası), provides coverage to Turkish citizens and legal residents. Expats living and working here for a certain period may be eligible for coverage under this system. The social system is funded by employee, employer, and government contributions.

On the other hand, expats can opt for private health insurance. Private healthcare services offer shorter waiting times, access to English-speaking medical professionals, and comfort and privacy. While private healthcare insurance may come at an additional cost, some expats choose this for convenience and specialised care.

2: Residence Permits are a Top Priority

Expats wishing to live in Turkey for an extended period must obtain a residency permit. This permit allows them to legally reside here and enjoy benefits like access to healthcare, education, and the ability to open bank accounts and sign contracts. The type of permits varies from family residence permits to long-term residence permits, and your personal circumstances will dictate which one you get.

To obtain a Turkish residency permit, expats must first apply at the nearest Foreigners' Police Department in their city of residence. The application process typically involves providing documentation like a valid passport, proof of income, health insurance, and rental agreement or title deed.

In addition, expats may need medical examinations to ensure they are healthy. Once the application is submitted and all required documents are provided, expats typically receive a residence permit card within a few weeks. Don't forget to comply with Turkish immigration laws and regulations regarding residency permits to avoid any legal issues or potential deportation.

3: International Schools in Turkey

In Turkey, the schooling system is divided into public and private schools, with most students attending public schools. Public schools are funded by the government and provide education to Turkish students according to the national curriculum set by the Ministry of Education. Public schools are free for Turkish citizens, but expats may be required to pay a fee if they enrol their children in a public school.

On the other hand, private education places are independently run institutions that charge tuition fees for attendance and have smaller class sizes, allowing for individualised attention and support for students. These schools offer an alternative to public education, providing students with personalised and often higher-quality education. Private schools usually offer internationally recognised curricula and qualifications, like the International Baccalaureate (IB) or Cambridge International Examinations (CIE), which benefits expat families who may eventually move to another country.

Expats who enrol their children privately benefit from networking with a diverse and international student body, helping them develop a global mindset and understanding of different cultures. Overall, while both options have advantages, private schools allow expat families to access a high-quality education recognised internationally, preparing students for future academic and career opportunities on a global scale.

4: Learn About the Culture and Turkish People

Learning about Turkish culture is one key factor in settling in and adjusting quickly. Understanding and respecting the customs, traditions, and way of life will make your transition smoother and allow you to build stronger relationships with locals.

From greetings to dining etiquette, knowing the cultural norms will prevent misunderstandings and help you avoid unintentionally offending anyone. Additionally, it shows respect for the local customs and demonstrates your willingness to integrate into the community.

You'll have a deeper appreciation for the history, art, and traditions, and you'll be able to participate in local events and celebrations with a greater understanding. This leads to meaningful connections with your Turkish neighbours and coworkers, making you feel at home in your new environment. Embracing the local customs and traditions with an open mind will enrich your time and make your transition smoother and rewarding. (What to know about Turkish traditions.)

5: Talking Turkish for a Better Quality of Life

Living in a foreign country like Turkey presents challenges, especially when speaking Turkish. Turkish is the official language spoken, and while there are English speakers in larger cities, rural areas, and smaller towns, communicating effectively without knowing Turkish is challenging.

Expats can enrol in Turkish language classes or hire a private tutor to overcome the language barrier. Online resources and apps are available to help you learn Turkish, which is convenient for those with busy schedules. Immersing oneself in local traditions and practising with native speakers helps improve language skills.

However, in popular coastal resorts and tourist destinations, many Turks speak foreign languages like English, German, or Russian because tourists visit these areas. While the language barrier may pose challenges for foreign expats, there are ways to overcome it through language learning resources, practice, and multilingual environments in coastal resorts. (Easy ways to learn Turkish.)

6: Banking Solutions and Money Matters

Banking considerations are essential aspects of daily life for both locals and expats, whether you are looking at daily expenses, currency rates, or the vast range of banking services online.  Individuals should have a budget to manage costs effectively and ensure financial stability. Still, they should watch currency exchange rates, which are up and down like a yo-yo every week.

For expats, bank accounts are essential for managing their finances. There are several central Turkish banks, including Türkiye İş Bankası, Akbank, Garanti Bankası, and Yapı Kredi Bankası. These banks offer services tailored to expats, like multilingual customer support, online banking facilities, and international money transfers.

Additionally, with a Turkish bank account, expats efficiently receive their salaries, pay bills, and make day-to-day transactions hassle-free. Overall, understanding banking matters, having a budget, and being mindful of currency exchange rates is crucial for financial stability and success. (About expat banking.)

7: Turkish Citizenship by Investment Program

If you plan to live permanently in Turkey or want to invest significantly to build your generational wealth, look at Turkey's Citizenship by Investment Program. Applicants must be at least 18 years old and have valid passports. Once the application is submitted, obtaining Turkish citizenship typically takes 3-6 months. The only requirement is buying property worth $400,000 and keeping it for at least 3 years. A specialised lawyer will talk you through the process and handle the application. Read about the criteria here.

8: Should You Rent Property in Turkey?

Whether drawn by Istanbul's bustling streets, the Aegean and Mediterranean coasts, or the unique landscapes of Cappadocia, foreigners looking to live in Turkey must decide whether to rent or buy a home. Renting offers flexibility to acclimatise without a long-term commitment. With rental agreements typically ranging from six to 12 months, expats can move if circumstances change.

Another advantage is the lower initial financial outlay. Unlike purchasing an apartment or villa, which requires a substantial down payment, legal fees, and often a mortgage, renting generally involves a security deposit and the first month's rent. This makes the transition financially manageable.

Maintenance and major repairs are typically the landlord's responsibility. This saves expats time and money, allowing them to focus on enjoying their new surroundings rather than dealing with the hassles of home upkeep. Renting will enable expats to live in different neighbourhoods and decide where to live based on personal experiences rather than market predictions.

The fully furnished rental properties are excellent for expats who may not want to invest in furniture and household items immediately. This simplifies the moving process and reduces initial setup costs.

However, one primary downside of renting is the lack of long-term security. Rental agreements are terminated, or rent is increased, leaving tenants uncertain about their future housing situation. While renting may have lower upfront costs, over the long term, it is more expensive than buying. Rental prices do not build equity, and regular rent increases add up, making renting a less economical option in the long run.

Renters often face limitations on personalising or modifying their living space. Most landlords may have rules against painting walls, installing fixtures, or making significant changes. Navigating rental markets is challenging because of the different languages and unfamiliarity with Turkish rental laws and customs. Misunderstandings arise from lease agreements and negotiations, potentially leading to disputes. Expats might need a local agent or lawyer to ensure everything is in order, which adds to the overall cost.

Experiences with landlords vary widely. Some expats encounter landlords who are unresponsive or unwilling to address maintenance issues promptly. Additionally, there may be differences in expectations regarding tenant responsibilities, leading to potential conflicts.

Overall, renting property offers flexibility, lower initial costs, and reduced maintenance responsibilities. It provides opportunities to experience life in different areas. It is convenient for those who are not ready to commit to purchasing a home. However, it comes with challenges like limited long-term security, potentially higher costs over time, and the need to navigate legal and language barriers. It is purely a personal decision, but take your finances into account.

9: Buying Turkish Property

Situated at the crossroads of Europe and Asia, Turkey is an attractive destination for property buyers due to its strategic location, vibrant culture, and dynamic real estate market. Turkey stands out for many reasons, including blended Eastern and Western influences, which make everyone feel at home and embark on a new chapter of their life. Which is reflected in its diverse architecture, lifestyle, and opportunities.

The Turkish government has implemented favourable policies to encourage foreign investment in real estate, such as offering residency permits and citizenship opportunities for property buyers. This has made buying property relatively straightforward for international investors and those looking to live here. Additionally, living costs are comparatively lower than in European countries, providing excellent value for money.

Expect several options, from luxurious apartments in Istanbul to serene villas along the Mediterranean and Aegean coasts. The country's robust infrastructure, modern amenities, and continuous development projects enhance the appeal of owning property, and the growing economy and increasing tourist influx ensure promising returns for investments. (About buying somewhere to call your home in Turkey.)

10: The Importance of Travel

Turkey offers blended East and West vibes, ancient history, and modern vibrancy, and expats who want an easy transition into their new life would do well to put travel at the forefront of their daily lives. Exploring the country's diverse regions provides a deeper understanding and appreciation of Turkey as you come across stunning landscapes and rich cultural heritage. Travel also helps expats settle in by connecting them with local people.

From ancient Ephesus to rock formations and cave churches of Cappadocia, Turkey is one big treasure chest of historical value, and these sites are a great way to learn about the diverse history of this country. Turkey's warm climate and adjacent beaches make it an ideal destination for sun and sea. The Turquoise Coast, stretching along the Mediterranean, has beautiful beaches and crystal-clear waters. Places like Patara Beach, Olu Deniz, and the secluded coves of the Lycian Way offer idyllic spots for relaxation and adventure.

Beyond beaches, Turkey's diverse landscapes, from rugged Black Sea mountains to lush forests of the Marmara region, impress everyone and give expats plenty of opportunities for outdoor hobbies and pursuits. Travelling around Turkey is not just about seeing new places; it's a journey that helps expats understand and integrate. From the vibrant streets of Istanbul City Centre to the serene southern coasts, the country's historical sites, beautiful landscapes, and warm climate provide endless opportunities for exploration and discovery. (Beautiful places to visit in Turkey.)

Where are the Best Places for Expats to Live?

Expats are predictable, and we tend to gravitate toward the same places. Working expats typically head to the major cities, like Istanbul, Ankara, and Izmir, the three most significant and prominent. Meanwhile, retired expats settle in coastal resorts on the Aegean and Mediterranean coasts.

The Antalya region, known for stunning natural beauty, vibrant nightlife, and historical attractions, attracts many foreigners. The mild Mediterranean climate and varied amenities are perfect for mixed relaxation and entertainment. Expats have many destinations to choose from within this region. Alanya City is becoming just as famous on its own right now. Belek, the golfing capital of Turkey, has a small community of expats. Side promotes historical value with the ancient ruins, where Kalkan on the outskirts earns admiration for the large, luxury villas.

For quieter and more authentic experiences, Dalyan ranks highly. Home to Iztuzu beach, the Lycian rock tombs and the famous mud baths, expect delightful rustic vibes. Nearby is the Fethiye region, which boasts the Blue Lagoon, Kayakoy ghost village and Butterfly Valley. Expats buy in Calis Beach, Hisaronu, Ovacik and the city centre.

For upmarket living, head to the Bodrum peninsula. Places like Yalikavak often attract the super-rich sailing in on their mega yachts. At the same time, down-to-earth Gumusluk revolves around a tranquil atmosphere that resembles old-world charm.

The Delightful Charm of Major Turkish Cities

Istanbul City Centre: Istanbul, Turkey's largest city, straddles two continents across the Bosphorus Strait. The city centre is where modern skyscrapers stand alongside ancient mosques and palaces. Expats explore historical landmarks like the UNESCO World Heritage Hagia and the Blue Mosque. The vibrant Grand Bazaar and culinary delights of Turkish cuisine further enhance the Istanbul experience.

Capital City of Ankara: The Turkish city of Ankara offers a pace different from Istanbul's frenetic energy. Known for political and administrative significance, Ankara boasts wide boulevards, government buildings, and cultural institutions like the Museum of Anatolian Civilizations. Expats will appreciate the city's orderly layout and the opportunity to delve into Turkey's modern history.

Beautiful Izmir: Lastly, Izmir, one of Turkey's major cities along the Aegean coast, is renowned for its relaxed atmosphere and beautiful seafront. The southern coasts, including popular destinations like Antalya and Bodrum, are famous for their gorgeous beaches and warm climate. These areas are perfect for leisurely lifestyles by the sea, with water sports, beachfront cafes, and stunning sunsets.

More About Us – Property Turkey

We are Property Turkey, and we have helped many expats buy a home and settle into their new life. Additionally, we sell holiday homes and help investors looking to add to their global portfolio. You have options if you would like to learn more about expat life in Turkey. See our blog about Turkey, which talks about places, culture, traditions, and living here.

For those who want to buy property, our portfolio will be of interest. Each listing contains all the information. Use the contact details to find out more via email or telephone or to arrange viewings. Lastly, call and chat with an agent if you have any more questions about investing in property in the lovely country of Turkey.