With Turkey increasingly regarded as an attractive destination for expats, many people want clear, practical information about living in Turkey permanently. It’s understandable—the country offers a compelling lifestyle—but it’s not without challenges. For me, relocating from the UK improved my quality of life. I didn’t own property at home and found work quickly in the holiday industry here. When I arrived, regulations were looser and many long-term holiday workers found informal ways to stay. Those days are largely over: Turkey now has clearer rules and a regulated path for moving and residing here. Experiences vary, so below is a practical starting guide.
Guide to Living in Turkey Permanently
1: Work or Retire in Turkey
Money and costs are central to any move. If you plan to retire or already have a reliable income such as a pension, you’ve solved the main obstacle. Keep in mind that Turkey’s exchange rate can be volatile, so build a buffer into your budget to cover currency fluctuations and rising costs.
When transferring funds to Turkey, use a reputable foreign exchange service rather than traditional banks to benefit from better exchange rates and lower fees. If you hold significant savings, consider converting some funds to Turkish lira and placing them in local high-interest savings accounts, taking account of taxes and monthly withdrawals. Be cautious: interest rates change over time, and what looks attractive now may not last.
If you need paid work, secure a job before you arrive. Illegal or informal employment is no longer a safe option. Employers must now apply for work permits for foreign staff. Typical roles for foreigners include holiday or airport representative, hotel entertainment, au pair, and teaching English—especially in large cities such as Istanbul, Ankara and Izmir. Seek legitimate employers who will sponsor a proper work permit.
2: Find Property to Rent or Buy
It’s usually easier to find rental accommodation once you’re in the area. Local Facebook groups, classifieds and estate agents are the most reliable sources. Walk around neighbourhoods you like and meet landlords in person. Always get a written contract, clarify the deposit conditions and agree on maintenance and utilities before signing.
If you plan to buy property, deal with reputable agencies and get legal advice. Property transactions are regulated, and a professional agent can help navigate paperwork, title checks and the tax implications of buying real estate in Turkey.
3: Where to Live in Turkey?
Where you choose to live depends on your priorities. Professionals and younger expats typically gravitate to large cities such as Istanbul, Ankara and Izmir for work opportunities and services. Retirees often prefer coastal towns along the Aegean and Mediterranean where tourism supports English-friendly communities and a relaxed lifestyle. People from the Middle East may favour northern regions for cultural familiarity.
Popular locations among expats include:
Alanya: Once a small fishing town, Alanya has grown into a lively coastal centre with strong rental and property markets and neighbourhoods popular with foreign residents.
Antalya City Centre: The city offers beaches like Konyaaltı and Lara alongside urban amenities, combining seaside living with city services.
Kalkan: Known for high-end villas and dramatic sea views, Kalkan attracts buyers seeking luxury in a scenic setting.
Fethiye: A family-friendly hub of the Turkish Riviera with boat access, nearby beaches and towns such as Ölüdeniz, Çalış and Hisarönü.
Bodrum: A creative, cosmopolitan coastal town with a long history as a haven for artists and international visitors.
Yalıkavak: Home to a major marina and a high-profile destination on the Bodrum peninsula while still retaining pockets of traditional town character.
4: Healthcare and Residency Permit
After arrival you have 90 days before you must apply for a residence permit. Expats are required to hold health insurance to obtain residency. Many choose private policies, while others join the government social security scheme (SGK). SGK gives access to public health services; costs rise periodically and are the same for individuals and couples. Decide which option suits your health needs and budget.
For residency, Turkish authorities require proof of financial means and proof of address. Submit your application online and, if approved initially, you’ll typically receive a one-year permit followed by a two-year renewal option. Expect permit fees to change annually, and plan ahead for renewals.
5: Learn About Turkey
Living in Turkey is different from visiting as a tourist. Give yourself time to adjust and explore beyond your immediate area—travelling within Turkey helps you learn about its history, culture and regional differences. Language matters: if you plan to work in Turkey you will need at least a conversational level of Turkish. Many retirees in tourist towns manage without Turkish because local communities and businesses often speak English, German or Russian, but learning even small amounts of Turkish will improve daily life, expand your social circle and increase the likelihood of staying long-term.
