Living costs in Switzerland are among the highest in the world, but the purchasing power afforded by high salaries means that they remain affordable.
An individual’s particular living costs depend on their personal needs and activities. To give you a better idea of average monthly costs, we have prepared two sample budgets: One for a couple with two children (family), and one for a single person.
Both examples are based on figures from the Budgetberatung Schweiz advisory service, as well as on empirical costs.
|Fixed costs||Family||Single person|
|Housing (approx. 25% of income)||
2,000 – 2,800
|1,800 – 2,200|
|Tax (dependent on place of residence)*||
|Health insurance premiums||
|Household/personal liability insurance||
|Telephones (landline and mobile), internet, TV and radio fees||
|Energy (electricity, gas)||
|Transport (public transport)||
|Media subscriptions, memberships||
*) The tax rate for families is an average of 9 %; for single people it is an average of 22 %.
|Household, personal expenses||Family||Single person|
|Food, non-alcoholic beverages||1,150||600|
|Cleaning products, waste disposal, personal hygiene, medication||200||100|
|Clothing, footwear, hairdressing, leisure||800||600|
|Doctor (annual deductible and co-payment), dentist, optician||160||60|
|Repairs, gifts, minor purchases||300||250|
This does not take into account personal expenses for vacations, private schools, childcare, supplementary insurance, a private car or major purchases.