@digitalnomadintr
appreciate your view and estimates 鈥 I agree Istanbul has many strong points for remote work.
That said, I think budgets of USD鈥1,500鈥2,000 usually describe basic short鈥憈erm living, and tend to exclude several major long鈥憈erm cost categories, especially rent and healthcare.
Rent alone is typically the largest expense for nomads. In Istanbul (and even in secondary locations), a decent, well鈥憀ocated apartment easily adds EUR鈥600鈥1,200+ per month, which already pushes total costs beyond headline figures.
For context, I live in Alanya (Mahmutlar) with my wife. We own our apartment, so rent = zero, which puts us at a significant advantage compared to most nomads. Even so, when we list all recurring costs 鈥 including food, utilities, residency (ikamet), private healthcare insurance, taxes, depreciation of appliances/IT, and daily living 鈥 the numbers add up quickly.
One commonly overlooked item is healthcare. In our case, comprehensive private health insurance is about EUR鈥1,000/month. This is age鈥 and coverage鈥慸ependent, and younger people may postpone it, but for longer stays or residency it becomes hard to avoid.
Restaurants, for example, have also become noticeably more expensive. A meal for two (starter + main, no alcohol) now costs roughly EUR鈥30鈥70, so we budget around EUR鈥500/month, offset somewhat by grocery savings.
Below is our realistic monthly cost breakdown (before rent). I鈥檇 genuinely welcome it if others could share a similar breakdown, explicitly including rent and healthcare, so we鈥檙e comparing complete, like鈥慺or鈥憀ike budgets rather than lifestyle impressions.
Not saying lower budgets are impossible 鈥 just that 鈥渃omfortable living鈥 means very different things once rent, healthcare, and time horizon are included.
Healthcare insurance (private, comprehensive):聽 聽 聽 EUR 1,000
Restaurants (2 people, no alcohol):聽 聽 聽 聽 聽 聽 聽 聽 聽 EUR聽 聽500
Groceries聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽EUR聽 聽350
Alcohol (wine & whisky)聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 EUR聽 聽500
Smoking (3 packs/day)聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 EUR聽 聽200
Utilities (electricity, water):聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 EUR聽 聽 50
Bottled water (drinking/cooking):聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 EUR聽 聽 40
Phone & internet聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽EUR聽 聽 50
Aidat (HOA):聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽EUR聽 聽 50
Local taxes & mandatory insurance聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 EUR聽 聽 30
Ikamet extension (incl. support):聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 EUR聽 聽 40
Depreciation (appliances / IT):聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 EUR聽 聽150
Clothes & shoes聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 EUR聽 聽100
Transport (taxi & bus):聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 EUR聽 聽 40
Small repairs聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 EUR聽 聽 30
Bank costs (remittances):聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 EUR聽 聽 15
Subscriptions (Netflix / Audible):聽 聽 聽 聽 聽 聽 聽 聽 聽 聽EUR聽 聽 20
Other聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 EUR聽 聽100
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TOTAL (before rent):聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 聽 EUR 3,265
Important notes:
Rent is not included. Nomads should add current market rent (typically EUR鈥600鈥1,200+ depending on city and location).
Healthcare insurance shown is private, comprehensive, and age鈥慸ependent 鈥 often omitted in nomad budgets.
No holidays, flights, or pension accumulation included.