Colombia for remote workers
OECD member in the Andes with a flat, low-rate freelancer regime (Régimen Simple, 5.9% on gross for professional services) layered over mandatory self-paid health and pension contributions, and a dedicated two-year digital-nomad visa (Visa V). Low living costs and a large Venezuelan migrant community are offset by a high homicide rate and modest English proficiency.
Verified
At a glance
The headline numbers for Colombia — each with its own source and freshness. A live official figure is not the same as a survey estimate or a 30-year climate normal.
i
DANE — línea de pobreza y clasificación por ingreso 2025 (basket anchor), CPI-consistent
Curated by SettleMetric
- Data as of
- Dec 31, 2025
- Verified
- Jul 4, 2026
- Method
- Curated single-person non-rent basket (food, utilities, urban transport, mobile+internet, modest leisure and misc.) for a foreign remote worker in a major Colombian city, anchored on DANE 2025 income bands (national poverty line 482,041 COP/mo; middle-class per-capita spending 853,608–4,596,352 COP/mo) and typical published utility/transport/mobile tariffs. Estimated ≈ 2,360,000 COP/mo ÷ 3,349.7 COP/USD (ECB EUR/COP 3,817.83 ÷ EUR/USD 1.1399, fx-rates 2026-07-02) ≈ 705 USD. Curated estimate — DANE has not published a 2025/2026 one-person-household consumption line comparable to Poland's GUS figure; to be refined from ENPH microdata.
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SettleMetric — population-weighted average of covered cities (Bogotá, Medellín)
Curated by SettleMetric
- Data as of
- Jun 30, 2026
- Verified
- Jul 4, 2026
- Method
- Population-weighted mean of the rent-breakdown matrices of Bogotá, Medellín; each cell averages the cities that report it. See each city page for its exact local matrix.
/mo
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Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 4, 2026
- Method
- Best eligible scheme co-rst-professional at €60,000 = 229,069,800 COP (3,817.83 COP/EUR), ≈ 4,374 UVT → SIMPLE professional-services band 0–6,000 UVT = 5.9% of gross = 13,515,118; plus mandatory independent social security on IBC = 40% of income: health 12.5% of IBC = 5% of gross = 11,453,490 and pension 16% of IBC = 6.4% of gross = 14,660,467. Total = 39,629,075 COP → 17.3%. Consistent with the co-rst-professional worked examples. Note: at this income IBC ≈ 4.36 SMMLV ≥ 4, so the Fondo de Solidaridad Pensional adds ≈ 0.4% (all-in ≈ 17.7%); and the SIMPLE pension discount, if claimed, would lower it further — both unmodeled, so 17.3% is the modeled, conservative-of-those figure.
i
UNODC data portal — intentional homicide victims per 100,000 (Colombia national series)
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 4, 2026
- Notes
- UNODC national series: 24.9 per 100k (2023), down slightly from 24.9 in 2022. Colombian official sources for 2025 are higher: Instituto Nacional de Medicina Legal ≈ 28.2 per 100k (14,780 cases, DANE population base) and Policía Nacional 26.1 per 100k — a recent uptick. Homicide is heavily concentrated in specific regions and involves organized crime; risk to a foreign remote worker in major-city residential areas is lower than the national rate implies but the country-level figure is genuinely high.
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M-Lab NDT country aggregates for Colombia
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 4, 2026
- Method
- Mean of the daily country median download (download_MED) values in M-Lab's public statistics API for Colombia; the published file covers the first 16 days of 2023 (≈181,872 tests), mean ≈ 17.4 Mbps; the 2024 file (first 16 days) is consistent at ≈ 16.9 Mbps.
- Notes
- M-Lab NDT is single-stream and reads well below Ookla-style figures — comparable only within this criterion. M-Lab's public stats API exposes only a partial-year window for Colombia, so this is a limited-coverage figure to be refined via BigQuery. Urban fibre plans advertise 100–900 Mbps; the M-Lab median reflects the mixed national access base.
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EF EPI 2025 — Colombia rank 76/123, score 480 (Low Proficiency band)
Research
- Data as of
- Nov 1, 2025
- Verified
- Jul 4, 2026
- Notes
- Own band informed by EF EPI 2025 (attribution: EF Education First); score 480 sits in EF's 'Low Proficiency' band. Spanish is the working language for government, healthcare and most services; English is workable in tourist/expat pockets of Bogotá and Medellín and in tech/BPO circles but not broadly across daily life.
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Curated by SettleMetric
- Data as of
- Jul 4, 2026
- Verified
- Jul 4, 2026
- Method
- Comprehensive private cover in Colombia layers on top of the mandatory contributory system (EPS): a 'medicina prepagada' or voluntary health plan (Sura, Colsanitas, Coomeva) with outpatient + inpatient access for a healthy 35-year-old runs roughly 250,000–450,000 COP/month; midpoint ≈ 350,000 COP/mo ≈ 4,200,000 COP/yr ≈ 1,254 USD at 3,349.7 COP/USD (range ≈ $895–$1,610). Curated market midpoint — Colombian prepaid-medicine premiums are age/plan-banded and quoted on request, not from a public engine.
- Notes
- Residents affiliated to an EPS already have universal contributory cover; prepaid medicine buys faster access, private hospitals and broader networks. Premiums exclude the mandatory 12.5% health contribution (counted in the tax burden), not an insurance premium. International (IPMI) plans cost several times more.
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DIAN — Concepto Unificado 100202208-1621 de 2023 sobre criptoactivos (tratamiento tributario)
Official source
- Data as of
- Jan 8, 2026
- Verified
- Jul 4, 2026
- Notes
- Crypto is legal to hold/trade but is not legal tender (Banco de la República); the DIAN treats it as an intangible asset. Gains taxed as ordinary income (up to 39%) if held <2 years, or as ganancia ocasional (15%) if held ≥2 years; holdings must be declared. From tax-year 2025 the DIAN (Resolución 000240) requires registered virtual-asset service providers to report Colombian users' operations; the SFC administers a PSAV registry. No consumer ban; banking access can be uneven.
What it costs you per month
A planning estimate: real asking rent plus a cost-of-living basket scaled to your household. Not a quote.
≈ $14,280 / year
- Rent (1-bed)$485
- Food & groceries$230
- Restaurants & eating out$110
- Recreation & culture$90
- Household & personal care$85
- Utilities (electricity, water, gas)$75
- Transport (urban)$70
- Mobile & home internet$45
- Living costs$705
Rent from the asking-rent matrix below. Living costs scale a one-person basket ($705/mo) by household size and lifestyle; the equivalence factors are our assumption. Schooling and one-off setup are excluded.
Cost of living
What a single person spends each month — food, utilities, transport, eating out and the rest — excluding rent.
| Criterion | Value | Score |
|---|---|---|
| Cost of living (single, excl. rent) | 705USD/month, single person, excluding rentiDANE — línea de pobreza y clasificación por ingreso 2025 (basket anchor), CPI-consistent Curated by SettleMetric
| 9.0 |
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DANE income/spending bands 2025 (basket anchor)
Curated by SettleMetric
- Data as of
- Dec 31, 2025
- Verified
- Jul 4, 2026
- Method
- Illustrative split of the ≈$705/mo single-person non-rent basket into typical urban categories, anchored on DANE 2025 income bands and published utility/transport/mobile tariffs, converted at 3,349.7 COP/USD. Categories sum to ≈$705. Curated estimate, not a DANE household-budget survey line; national/major-city average — El Poblado-tier neighbourhoods run higher.
Colombia's single-person household-budget basket, excluding rent.
Housing
What it costs to rent, by apartment type and location.
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SettleMetric — population-weighted average of covered cities (Bogotá, Medellín)
Curated by SettleMetric
- Data as of
- Jun 30, 2026
- Verified
- Jul 4, 2026
- Method
- Population-weighted mean of the rent-breakdown matrices of Bogotá, Medellín; each cell averages the cities that report it. See each city page for its exact local matrix.
| Apartment | Central | Outside centre |
|---|---|---|
| Studio | 587 USD/mo | 395 USD/mo |
| 1-bedroom | 713 USD/mo | 485 USD/mo |
| 2-bedroom | 992 USD/mo | 679 USD/mo |
| 3-bedroom | 1,348 USD/mo | 916 USD/mo |
Safety
How safe daily life is, from official crime statistics.
| Criterion | Value | Score |
|---|---|---|
| Homicide rate | 24.9intentional homicides per 100,000/yeariUNODC data portal — intentional homicide victims per 100,000 (Colombia national series) Open data
| 0.3 |
Healthcare
What comprehensive private medical cover costs.
| Criterion | Value | Score |
|---|---|---|
| Private healthcare cost | 1,250USD/year, comprehensive private insurance premium, healthy 35-year-oldiCurated by SettleMetric
| 7.9 |
Money & crypto
Crypto rules and how freely personal money moves.
| Criterion | Value | Score |
|---|---|---|
| Crypto regulation | Legal regulatediDIAN — Concepto Unificado 100202208-1621 de 2023 sobre criptoactivos (tratamiento tributario) Official source
| 8.0 |
| Financial control level | ModerateiOfficial source
| 7.0 |
Infrastructure
Internet speed and how parcels get to your door.
| Criterion | Value | Score |
|---|---|---|
| Domestic delivery quality | GoodiCurated by SettleMetric
| 7.0 |
| International delivery ease | Significant frictioniDIAN — modalidad de tráfico postal y envíos urgentes; de minimis USD 200 (Decreto 1090 de 2020) Official source
| 4.0 |
| Internet speed | 17.4Mbps, median fixed downloadiM-Lab NDT country aggregates for Colombia Open data
| 0.9 |
Language
How far English gets you in daily life and services.
| Criterion | Value | Score |
|---|---|---|
| English proficiency | LowiEF EPI 2025 — Colombia rank 76/123, score 480 (Low Proficiency band) Research
| 2.0 |
Demographics
Who else lives here — the share of foreign residents and the largest national communities, from official statistics.
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Migración Colombia (Venezuelan migrants registered) over DANE 2025 population projection
Curated by SettleMetric
- Data as of
- Aug 31, 2025
- Verified
- Jul 4, 2026
- Method
- Venezuelan migrants registered in Colombia = 2,830,000 (Migración Colombia, 31 Aug 2025; of these ≈1.9M hold the PPT temporary-protection permit, ≈385,000 irregular). Divided by DANE 2025 population projection of 52,695,952 = 5.4%. Adding non-Venezuelan foreign residents (a much smaller number) brings the total foreign-national share to ≈5.6%. Basis includes the temporary-protection population because they live in Colombia while the status is active; the pure valid-visa/cédula-de-extranjería count is far lower. Approximate — the two migration statistics are not published on one consistent resident register.
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Migración Colombia — Informe de migrantes venezolanos en Colombia
Curated by SettleMetric
- Data as of
- Aug 31, 2025
- Verified
- Jul 4, 2026
- Method
- Migración Colombia publishes the Venezuelan migrant total (2,830,000 at 31 Aug 2025) as by far the dominant foreign community — an estimated ≈96% of the foreign-national population. Colombia does not publish a full official by-citizenship breakdown of all foreign residents comparable to Eurostat's; other nationalities (US, other Latin American, European) exist in much smaller numbers but are not enumerated here for lack of an official consolidated series.
- Notes
- Only the officially published dominant group (Venezuelans) is listed; the shares of smaller foreign communities are not available from a single official source. Counts include Venezuelans on temporary protection (PPT), who live in Colombia while the status is active.
Only the officially published dominant group (Venezuelans) is listed; the shares of smaller foreign communities are not available from a single official source. Counts include Venezuelans on temporary protection (PPT), who live in Colombia while the status is active.
Your tax options
Full schemes, examples & calculatorSee what you would keep
Your income against Colombia's real tax schemes — the same engine as the full calculator.
- 1 Régimen Simple (SIMPLE) — professional services (grupo 3)49,620 EURnet/year17.3% burden
- 2 Renta ordinaria — cédula general (progressive, art. 241 ET)43,215 EURnet/year28.0% burden
Your legalization options
Requirements, fees & citizenship filter- Visa V — Nómada digital (digital nomad)Digital nomad visaAll citizenshipsincome ≥ 5,252,715 COP/monthPassport from a country exempt from Colombian short-stay visas (Resolución 5477/2022 art. 46)2 yrs +
- Visa M — Profesional independiente (self-employed professional)Temporary residenceAll citizenshipsincome ≥ 8,754,525 COP/monthAim to exercise, independently and without an employment relationship, a regulated profession or an unregulated activity of interest to Colombia3 yrs +→ PR path
- Visa M — Socio o propietario (business owner / shareholder)Business visaAll citizenshipsincome ≥ 175,090,500 COP/yearInvestment or capital participation in a Colombian commercial company of at least 100 SMMLV, registered in the Cámara de Comercio and reflected in the company's capital3 yrs +→ PR path
- Visa-free entry / Permiso de Ingreso (short stay)Visa-free stayUS citizens, UK citizens, EU citizensPassport from a country exempt from Colombian short-stay visas (US, UK, EU/Schengen and many others)3 mo +
- Visa R — Residente por tiempo acumulado (permanent residence)Temporary residenceAll citizenshipsHave held an accumulating Visa M (worker, independent professional, business owner/shareholder, investor, etc.) continuously for 5 years, OR 2 years as spouse/permanent partner of a Colombian national5 yrs +→ PR path
- Estatuto Temporal de Protección (ETPV / PPT) — Venezuelan migrantsSpecial programVenezuelan citizensVenezuelan citizenship and enrolment in the Registro Único de Migrantes Venezolanos (RUMV) under the ETPV (created 2021)63 mo→ PR path
Who is Colombia for?
The same place reads differently depending on why you move. Each lens pulls the facts that matter most for that plan — with sources, and the trade-offs stated plainly.
Contract or freelance in tech, billing clients abroad.
Works in your favour
i
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 4, 2026
- Method
- Best eligible scheme co-rst-professional at €60,000 = 229,069,800 COP (3,817.83 COP/EUR), ≈ 4,374 UVT → SIMPLE professional-services band 0–6,000 UVT = 5.9% of gross = 13,515,118; plus mandatory independent social security on IBC = 40% of income: health 12.5% of IBC = 5% of gross = 11,453,490 and pension 16% of IBC = 6.4% of gross = 14,660,467. Total = 39,629,075 COP → 17.3%. Consistent with the co-rst-professional worked examples. Note: at this income IBC ≈ 4.36 SMMLV ≥ 4, so the Fondo de Solidaridad Pensional adds ≈ 0.4% (all-in ≈ 17.7%); and the SIMPLE pension discount, if claimed, would lower it further — both unmodeled, so 17.3% is the modeled, conservative-of-those figure.
i
DANE — línea de pobreza y clasificación por ingreso 2025 (basket anchor), CPI-consistent
Curated by SettleMetric
- Data as of
- Dec 31, 2025
- Verified
- Jul 4, 2026
- Method
- Curated single-person non-rent basket (food, utilities, urban transport, mobile+internet, modest leisure and misc.) for a foreign remote worker in a major Colombian city, anchored on DANE 2025 income bands (national poverty line 482,041 COP/mo; middle-class per-capita spending 853,608–4,596,352 COP/mo) and typical published utility/transport/mobile tariffs. Estimated ≈ 2,360,000 COP/mo ÷ 3,349.7 COP/USD (ECB EUR/COP 3,817.83 ÷ EUR/USD 1.1399, fx-rates 2026-07-02) ≈ 705 USD. Curated estimate — DANE has not published a 2025/2026 one-person-household consumption line comparable to Poland's GUS figure; to be refined from ENPH microdata.
i
Curated by SettleMetric
- Data as of
- Jun 30, 2026
- Verified
- Jul 4, 2026
- Method
- Composite of the national operator (4-72 / Servicios Postales Nacionales) plus the dominant private networks (Servientrega, Coordinadora, Interrapidísimo, TCC, Envía) that provide dense nationwide door-to-door and office-pickup coverage with tracking; 1–3 day delivery between major cities is standard, longer to rural/remote municipalities. Parcel-locker networks are limited compared with Europe. Rated 'good' (reliable major-city coverage, not next-day-everywhere with dense lockers).
Watch-outs
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M-Lab NDT country aggregates for Colombia
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 4, 2026
- Method
- Mean of the daily country median download (download_MED) values in M-Lab's public statistics API for Colombia; the published file covers the first 16 days of 2023 (≈181,872 tests), mean ≈ 17.4 Mbps; the 2024 file (first 16 days) is consistent at ≈ 16.9 Mbps.
- Notes
- M-Lab NDT is single-stream and reads well below Ookla-style figures — comparable only within this criterion. M-Lab's public stats API exposes only a partial-year window for Colombia, so this is a limited-coverage figure to be refined via BigQuery. Urban fibre plans advertise 100–900 Mbps; the M-Lab median reflects the mixed national access base.
i
EF EPI 2025 — Colombia rank 76/123, score 480 (Low Proficiency band)
Research
- Data as of
- Nov 1, 2025
- Verified
- Jul 4, 2026
- Notes
- Own band informed by EF EPI 2025 (attribution: EF Education First); score 480 sits in EF's 'Low Proficiency' band. Spanish is the working language for government, healthcare and most services; English is workable in tourist/expat pockets of Bogotá and Medellín and in tech/BPO circles but not broadly across daily life.
Relocating with a partner and school-age children.
Works in your favour
i
Curated by SettleMetric
- Data as of
- Jul 4, 2026
- Verified
- Jul 4, 2026
- Method
- Comprehensive private cover in Colombia layers on top of the mandatory contributory system (EPS): a 'medicina prepagada' or voluntary health plan (Sura, Colsanitas, Coomeva) with outpatient + inpatient access for a healthy 35-year-old runs roughly 250,000–450,000 COP/month; midpoint ≈ 350,000 COP/mo ≈ 4,200,000 COP/yr ≈ 1,254 USD at 3,349.7 COP/USD (range ≈ $895–$1,610). Curated market midpoint — Colombian prepaid-medicine premiums are age/plan-banded and quoted on request, not from a public engine.
- Notes
- Residents affiliated to an EPS already have universal contributory cover; prepaid medicine buys faster access, private hospitals and broader networks. Premiums exclude the mandatory 12.5% health contribution (counted in the tax burden), not an insurance premium. International (IPMI) plans cost several times more.
Watch-outs
i
UNODC data portal — intentional homicide victims per 100,000 (Colombia national series)
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 4, 2026
- Notes
- UNODC national series: 24.9 per 100k (2023), down slightly from 24.9 in 2022. Colombian official sources for 2025 are higher: Instituto Nacional de Medicina Legal ≈ 28.2 per 100k (14,780 cases, DANE population base) and Policía Nacional 26.1 per 100k — a recent uptick. Homicide is heavily concentrated in specific regions and involves organized crime; risk to a foreign remote worker in major-city residential areas is lower than the national rate implies but the country-level figure is genuinely high.
i
EF EPI 2025 — Colombia rank 76/123, score 480 (Low Proficiency band)
Research
- Data as of
- Nov 1, 2025
- Verified
- Jul 4, 2026
- Notes
- Own band informed by EF EPI 2025 (attribution: EF Education First); score 480 sits in EF's 'Low Proficiency' band. Spanish is the working language for government, healthcare and most services; English is workable in tourist/expat pockets of Bogotá and Medellín and in tech/BPO circles but not broadly across daily life.
Optimising tax, banking and crypto rules.
Works in your favour
i
DIAN — Concepto Unificado 100202208-1621 de 2023 sobre criptoactivos (tratamiento tributario)
Official source
- Data as of
- Jan 8, 2026
- Verified
- Jul 4, 2026
- Notes
- Crypto is legal to hold/trade but is not legal tender (Banco de la República); the DIAN treats it as an intangible asset. Gains taxed as ordinary income (up to 39%) if held <2 years, or as ganancia ocasional (15%) if held ≥2 years; holdings must be declared. From tax-year 2025 the DIAN (Resolución 000240) requires registered virtual-asset service providers to report Colombian users' operations; the SFC administers a PSAV registry. No consumer ban; banking access can be uneven.
i
Official source
- Data as of
- Feb 26, 2026
- Verified
- Jul 4, 2026
- Method
- Composite: the COP is convertible and there are no hard capital controls, but Colombia keeps a foreign-exchange regime (régimen cambiario) in which certain operations (external credit, foreign investment, some import/export) must be channelled through the regulated exchange market (IMC or a Banco de la República compensation account) with a declaración de cambio; residents may hold foreign accounts and compensation accounts. Service-export income (freelancer earnings) is not subject to mandatory channelling but reporting/traceability rules apply. Standard AML/UIAF and tax-reporting scope. Rated 'moderate' (freer than capital-control regimes, more paperwork than fully open EU/OECD peers).
i
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 4, 2026
- Method
- Best eligible scheme co-rst-professional at €60,000 = 229,069,800 COP (3,817.83 COP/EUR), ≈ 4,374 UVT → SIMPLE professional-services band 0–6,000 UVT = 5.9% of gross = 13,515,118; plus mandatory independent social security on IBC = 40% of income: health 12.5% of IBC = 5% of gross = 11,453,490 and pension 16% of IBC = 6.4% of gross = 14,660,467. Total = 39,629,075 COP → 17.3%. Consistent with the co-rst-professional worked examples. Note: at this income IBC ≈ 4.36 SMMLV ≥ 4, so the Fondo de Solidaridad Pensional adds ≈ 0.4% (all-in ≈ 17.7%); and the SIMPLE pension discount, if claimed, would lower it further — both unmodeled, so 17.3% is the modeled, conservative-of-those figure.
Prioritising safety, air, and an easy daily life.
Works in your favour
i
DANE — línea de pobreza y clasificación por ingreso 2025 (basket anchor), CPI-consistent
Curated by SettleMetric
- Data as of
- Dec 31, 2025
- Verified
- Jul 4, 2026
- Method
- Curated single-person non-rent basket (food, utilities, urban transport, mobile+internet, modest leisure and misc.) for a foreign remote worker in a major Colombian city, anchored on DANE 2025 income bands (national poverty line 482,041 COP/mo; middle-class per-capita spending 853,608–4,596,352 COP/mo) and typical published utility/transport/mobile tariffs. Estimated ≈ 2,360,000 COP/mo ÷ 3,349.7 COP/USD (ECB EUR/COP 3,817.83 ÷ EUR/USD 1.1399, fx-rates 2026-07-02) ≈ 705 USD. Curated estimate — DANE has not published a 2025/2026 one-person-household consumption line comparable to Poland's GUS figure; to be refined from ENPH microdata.
i
Curated by SettleMetric
- Data as of
- Jun 30, 2026
- Verified
- Jul 4, 2026
- Method
- Composite of the national operator (4-72 / Servicios Postales Nacionales) plus the dominant private networks (Servientrega, Coordinadora, Interrapidísimo, TCC, Envía) that provide dense nationwide door-to-door and office-pickup coverage with tracking; 1–3 day delivery between major cities is standard, longer to rural/remote municipalities. Parcel-locker networks are limited compared with Europe. Rated 'good' (reliable major-city coverage, not next-day-everywhere with dense lockers).
Watch-outs
i
UNODC data portal — intentional homicide victims per 100,000 (Colombia national series)
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 4, 2026
- Notes
- UNODC national series: 24.9 per 100k (2023), down slightly from 24.9 in 2022. Colombian official sources for 2025 are higher: Instituto Nacional de Medicina Legal ≈ 28.2 per 100k (14,780 cases, DANE population base) and Policía Nacional 26.1 per 100k — a recent uptick. Homicide is heavily concentrated in specific regions and involves organized crime; risk to a foreign remote worker in major-city residential areas is lower than the national rate implies but the country-level figure is genuinely high.