In 2025, Switzerland is a top destination for professionals, students, and families, thanks to its world-class healthcare, stable economy, and stunning natural scenery. Cities like Zurich, Geneva, and Lausanne are recognized as global centers of finance, diplomacy, and innovation. However, this high standard of living comes at a cost.
The cost of living in Switzerland in 2025 is one of the highest globally, driven by rising housing demand and ongoing inflation in daily expenses. Whether you’re moving for work, study, or a better lifestyle, understanding the monthly costs of living in Zurich and other major cities will give you a better chance of making it work. This Remitly guide breaks down the latest financial requirements, including average Swiss housing costs, groceries, healthcare, transportation, and education.
Housing costs in Switzerland
Like anywhere else, if you’re budgeting for relocation to Switzerland, housing will be a top priority. Switzerland’s popularity as a destination means its housing market in 2025 is very competitive. High demand and limited options are driving up rental prices, especially in the major cities and most popular ski resorts.
Rental prices in Swiss cities
We’ve picked out some of the main cities for our examples, and at time of writing one dollar was worth about 0.82 Swiss francs. All the prices given are in US dollars.
Zurich
At 430,000 inhabitants, Switzerland’s largest city is a lively, diverse hub of the finance industry and an important cultural center, consistently ranked among the very best in the world for international residents. So it’s not a cheap place to live; rent for a one-bedroom apartment in the city center usually starts at $2,700 monthly, while a three-bedroom place will cost $4,900 or more. If you’re buying property, prices will start from around $2,200 per square foot.
Geneva
A world center for diplomacy with spectacular views of the Alps, Geneva is unsurprisingly home to a huge number of international residents. You can expect to pay at least $2,300 per month for a one-bedroom apartment, and from $4,600 and up for a three-bedroom. Purchase prices start at $1,850 per square foot.
Basel
On the Rhine, Basel is a contrasting mix of old and new, its 15th-century old town sharing the city with ultra-modern architecture. A rented one-bedroom apartment will set you back at least $2,000 per month, while a three-bedroom unit will start at $3,600. Purchase prices are around $1,400 per square foot.
Bern
While Switzerland doesn’t have an official capital, Bern is the nation’s administrative and governmental center. Monthly rent for a one-bedroom apartment usually starts at around $1,900, while three-bedroom places cost from $3,300. Property prices per square foot range start from $1,355.
Lausanne
On the shore of Lake Geneva, Lausanne is a bit smaller and quieter than the other big Swiss cities, with around 140,000 inhabitants. But that doesn’t mean it’s cheap; a one-bedroom apartment typically rents from around $1,800 per month, while a three-bedroom unit costs around $3,500. If you’re buying, you’re looking at $1,800 per square foot or more.
Utilities
Just like rent, for a 900 ft2 apartment the average monthly utility costs (electricity, heating, water, and garbage collection) in these locations varies.
- Zurich: $250
- Geneva: $250
- Basel: $290
- Bern: $320
- Lausanne: $320
Internet connection will cost you between $50 and $80 per month depending on the provider and whether you have fiber-optic connection in your area. There’s also a mandatory fee of around $400 per year for TV and radio in Switzerland, though this is gradually being reduced.
Food and groceries
There’s so much more to Swiss food than fondue and great chocolate. Unfortunately, though, their high-quality produce does come at a bit of a premium.
Monthly grocery costs
Grocery expenses can vary monthly by location, dietary habits, seasonal availability and your own shopping preferences, of course. But to give you a guide:
- For an individual for a month, expect to spend the equivalent of about $660
- For a family of four, that’s going to be around $2,000 or more
If you’re having to keep a tight rein on your budget in Switzerland, consider shopping at discount chains like Aldi or Lidl, as premium stores like Globus and Manor tend to be more expensive.
Dining out costs
If your budget stretches to eating out, you’ll pay around $40 to $50 each for a meal at a traditional gasthaus, with prices up into the hundreds per head in the country’s finest dining establishments.
Keep in mind that prices can be higher in tourist-heavy areas or popular ski resorts.
Transportation and commuting
Switzerland has a highly efficient and very reliable public transport system of trains, buses and boats. A monthly pass for unlimited travel within one of the major cities will typically cost between $80 to $100.
Car ownership
The average annual cost of owning a car in Switzerland is around $12,750 if you include depreciation, insurance, taxes, gas, and maintenance. And that excludes the “motorway vignette” which lets you use the nation’s expressways for around $48 per year.
Car ownership offers flexibility, especially in rural areas. However, the high costs and efficient transport system often make public transportation an economical choice in urban areas. You might find you need different tires for summer and winter, too—so keep that in mind.
Healthcare costs
Switzerland attracts people from a huge number of countries, with its high-quality and efficient healthcare system being one of the big draws. Residents must obtain basic health insurance within three months of moving to the country.
Mandatory health insurance
In Switzerland, basic health insurance (LaMal) is compulsory for all residents. This insurance covers various medical services, from hospital stays to general practitioner visits and prescribed medications. Residents can choose from various insurance companies, with premiums varying based on factors such as age, which canton you live in, and how high you set your deductible cost.
Average premiums in 2025
Health insurance premiums in Switzerland have seen a consistent rise over the years. In 2025, approximate average monthly premiums are going up again, by about 6%:
- Adults, 26 years and older: $550
- Young adults, 19 to 25: $380
- Children, up to 18 years: $140
Out-of-pocket expenses
Even if you’ve got pretty comprehensive coverage, there will still be some out-of-pocket expenses.
Deductible: Annually, adults choose a deductible between about $365 and $3,000. This is the amount you pay before insurance starts covering medical expenses.
Coinsurance: Even after paying the deductible, you still pay 10% of subsequent medical costs, up to a maximum of around $850 per year. For under 18s, the maximum is half that.
These prices can vary based on the chosen insurance plan and healthcare services, and as they’re so high, they’re an important part of budgeting before you make the move.
Education and childcare
Public education in Switzerland is free. Children usually begin with compulsory education at age four, starting with kindergarten. The curriculum and structure vary between cantons, but the overall standard is internationally recognized as being high.
Private and international schools
Private and international schools cater to families seeking specific curricula or language instruction, often focusing on high-quality international education. Tuition fees vary, but you can expect to pay a minimum of $15,000 per year for your youngest children, right up to $120,000 per year for secondary education at the very best international schools.
International students in Switzerland may also pay additional costs for enrollment, materials, and extracurricular activities.
Childcare costs
Childcare expenses in Switzerland are among the highest in Europe, and costs again depend on the type of care you need and where you live.
To help parents cope with the costs, the Swiss government has approved a childcare allowance for children up to eight years old, providing a minimum of about $120 monthly, with additional amounts based on care needs.
Additional living costs
We’ve been adding up all the costs of living, but we haven’t got to the fun stuff yet. We can’t talk about living in Switzerland without mentioning skiing.
Skiing costs: A week-long ski vacation for a couple in early March 2025 will cost approximately $6,550, a 13% increase from the previous year. Ouch!
Lift ticket prices: Tickets for mountain cable cars and ski lifts have risen by 3.3% over the last year and are 10% more expensive than five years ago.
If the slopes aren’t your thing, typical monthly entertainment expenses for students range from $85 to $250. Couples may spend between $250 and $400 while families’ expenses could reach $600 a month or more, if you have expensive tastes.
Tips for budgeting and saving in Switzerland
You can manage the high cost of living in Switzerland in 2025 effectively with strategic planning:
Opt for smaller cities or cross-border living
While major cities like Zurich and Geneva are expensive, the average Swiss housing costs are lower in smaller towns. Consider living in smaller cities, or even across the border in neighboring countries, to benefit from lower living costs.
Follow the one-third (1/3) budgeting rule
Whether you’re earning the Swiss minimum wage or a higher salary, consider allocating your monthly income as follows:
- One-third of your income for housing or rent
- One-third of your income for essential costs (groceries, insurance, taxes, and transportation)
- One-third of your income for leisure, savings, and investments
These budgeting rules can help you maintain a financial balance and avoid overspending.
Cook at home and shop smart
Dining out in Switzerland is costly. Planning and preparing meals at home and shopping at budget-friendly supermarkets can make a big difference to your food bill.
Use budgeting tools and set financial goals
Effective budgeting means tracking income and expenses; using apps or spreadsheets can help you keep a detailed record to understand your spending habits.
Set clear financial goals by defining your short-term and long-term objectives. This keeps you motivated and focused on what matters most financially. And choose a budgeting method that fits your lifestyle and is easy for you to stick with. These habits can help you avoid unnecessary purchases and lead to better financial management and savings.
Final takeaway
Despite offering an excellent quality of life, the cost of living in Switzerland in 2025 is high. From housing and groceries to healthcare, childcare, and transportation, daily expenses can add up quickly. However, the country’s efficiency, safety, and strong public services make it well worth the cost, if you can afford it.
With smart financial planning, such as careful budgeting and considering less expensive cities or housing options, you can live comfortably in Switzerland. Knowing what to expect and preparing in advance can make your transition smoother and more rewarding.
FAQs
Is Switzerland more expensive than other European countries in 2025?
Yes, Switzerland is one of the most expensive countries in Europe, due to its currency value, high wages, and quality services. Cities like Zurich and Geneva regularly top global cost-of-living rankings.
Can I save money by living outside major Swiss cities?
Absolutely, smaller towns or rural areas in Switzerland often offer more affordable housing and lower daily expenses while still providing access to quality infrastructure and public transport.
Is public healthcare free in Switzerland?
No, Swiss residents buy mandatory health insurance from private companies. On average, monthly premiums range from around $365 to $600 per adult, depending on coverage and the deductible you choose.
What’s a good way to reduce daily expenses in Switzerland?
Use public transport instead of owning a car, cook at home more often. Shop at discount supermarkets, and take advantage of free public amenities such as parks, lakes, and walking trails.