This paper argues for the views that (i) toponyms constitute cultural values; (ii) characteristic habitation names taken from genetically unrelated languages, when examined in the framework of cognitive linguistics, can reveal the concept of SETTLEMENT evolved by people belonging to different cultures; and (iii) human conceptualization of such entities as settlements is as much culture-specific as universal. The concept of SETTLEMENT encoded in the observed name forms has been detected to comprise (presumably) universal domains (highlighting mostly central, often spatial features of habitations, e.g. type, size, shape, age, position); culture-specific domains (highlighting various peripheral features of habitations, e.g. religion, market, e...