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Zug, Switzerland: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Zug | Expat Exchange
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Zug, Switzerland

Zug, Switzerland

By Betsy Burlingame

Last updated on Apr 21, 2023

Summary: The approximate population of Zug, Switzerland is 30,000. People describe Zug as a picturesque, affluent, and safe city. Expats love the high quality of life, the proximity to Zurich, and the low taxes. The weather in Zug is generally mild with temperatures ranging from the mid-30s to the mid-70s Fahrenheit (2-24 Celsius). The average cost of living in Zug for an expat is around $3,000 USD per month. The cost of a one bedroom apartment is around $1,500 USD per month and a two bedroom apartment is around $2,000 USD per month.

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What do I need to know about living in Zug?

When we asked people what advice they would give someone preparing to move to Zug, they said:

"Expats considering retiring in Zug should be aware that the cost of living is high, and that the city is known for its low taxes. It is important to research the local housing market and to be aware of the language requirements for living in the area. Additionally, expats should be aware of the healthcare system in Switzerland, and the requirements for obtaining a residence permit. Finally, it is important to research the local culture and customs to ensure a smooth transition into life in Zug," explained one expat living in Switzerland.

"Pack your bags and get on over here!!! Seriously - make sure you get a good agent to help you before you start - the help we got before we came was invaluable and she is still helping us on and off now when we have questions (Nicky at Le Concierge); talk to your kids a lot in advance so they are in on the adventure from the start and try to get them to understand that things will be different and their favorite peanut butter may not be available (tip: Gourmet Garage in Zürich can be a lifesaver!); be prepared to spend a lot of energy at the beginning making new friends and getting involved - after a while you'll find one or two good friends and the effort will be worth it; above all keep an open mind, be patient with yourselves and the experience and don't worry if you have homesick days," said one expat in Switzerland.

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What do I need to know before moving to Zug?

When we asked people what advice they would give someone preparing to move to Zug, they said:

"Zug is a small city in Switzerland with a population of around 30,000 people. It is known for its low taxes and high quality of life. Expats should be aware that the cost of living in Zug is high, and that the city is very safe and secure. Expats should also be aware that the majority of the population speaks German, so it is important to learn the language before moving to Zug. Additionally, expats should be aware that the city is very small and there are limited job opportunities. Finally, expats should be aware that Zug is a very traditional city and that there are certain cultural norms that should be respected," said one expat who made the move to Switzerland.

"Get help from a good relocation agent before you come!!!! Ask as many questions as you can think of (no question is too small or silly), try to learn a bit of German (although the Swiss love to practice their english), get involved in a local networking club even if you are not a club-type person - there is a Women's Club in Zug (www.ziwc.ch) which is OK - many different types of activities and people and you can pick and choose. Let your agent advise you on areas - but try to find something not too far away from the school your child will go to - helps the child as well as increasing the chances for car pools!!," explained one expat living in Switzerland.

How do I find a place to live in Zug?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"Finding a place to live in Zug can be done by searching online for rental listings, contacting a local real estate agent, or attending a local housing fair. Additionally, many expats in Zug use online forums to connect with other expats and find housing opportunities. It is also possible to find housing through word of mouth, by asking friends and colleagues if they know of any available apartments or houses," remarked one expat living in Switzerland.

"Had help from an excellent relocation agent, Le Concierge. We found her and her company completely by chance (through the school magazine) and would highly, highly recommend not only her but this way of doing things - she thought of everything and asked a lot of excellent questions about us which made us re-evaluate our attitudes to moving in part," wrote one member in Switzerland.

What is a typical expat home or apartment like in Zug?

"Expat homes and apartments in Zug are typically modern and spacious, with large windows that let in plenty of natural light. Many of the apartments have balconies or terraces, offering stunning views of the surrounding mountains and lakes. The interiors are often decorated with contemporary furnishings and feature high-end appliances. Expats in Zug can also enjoy access to a variety of amenities, such as swimming pools, fitness centers, and saunas," said one expat who made the move to Switzerland.

"4 1/2 room (3 bedrooms) apartment. Very typical. Costs SFr. 2,500 per month plus utilities of SFr. 300.- and garage SFr. 150.-," explained one expat living in Switzerland.

What is the average cost of housing in Zug?

If you are thinking about moving to Zug, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The cost of housing in Zug is generally quite high. Renting an apartment in the city can cost anywhere from 1,500 to 3,000 Swiss Francs per month, while buying a property can cost upwards of 1 million Swiss Francs," wrote a member in Switzerland.

"On the whole housing cost is higher but we are paying lower taxes and my husband's salary is better ehre than in the UK so overall we now have a slightly higher standard of living," commented one expat who made the move to Switzerland.

How do I meet people in Zug?

When we asked people living in Zug about club and activities where newcomers can meet others, they responded:

"Even if you are not a "club" person join the Zug international Women's Club or the Men's Club.- You don't have to join in everything but you will meet a lot of different people - our relocation agent got us membership which was great. Hang out at the park in Cham on nice days - loads of expat mums down there and easy to meet others esp. if you have littel children (park is called Villette btw.)," remarked one expat who made the move to Switzerland.

"Expats living in Zug can join a variety of clubs and activities, such as sports clubs, language clubs, and cultural clubs. Expats can also join local meetup groups, which are a great way to meet people with similar interests. Additionally, many expats find that attending local events, such as festivals, concerts, and art exhibitions, is a great way to meet people and learn more about the local culture. Finally, expats can also join online forums and social media groups to connect with other expats living in Zug," explained one expat living in Switzerland.

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What should I bring when moving to Zug?

People living in Zug were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"Should have brought: 1. Standing lamps - there were no light fittings in the apartmnet when we moved in 2. Books - English books are expensive here 3. More favourite toiletries - took me a while to find ones I like here. Could have left: 1. Back-dated magazines! 2. Plants 3. Most of the photo albums - it is SO beautiful here you'll take photos everytime you go out!!," said one expat in Switzerland.

"When moving to Zug, it is important to pack warm clothing, as the climate is cold and wet. It is also important to bring a good raincoat and umbrella, as well as sturdy shoes for walking in the rain. Additionally, it is a good idea to bring a few items of formal clothing, as Zug is a business hub and many people dress formally for work. Finally, it is important to bring any necessary documents, such as a passport, visa, and work permit," said one expat who made the move to Switzerland.

Where should I setup a bank account in Zug?

We asked expats in Zug what banks they use and there advice about banking. They advised:

"Expats considering retiring in Zug should be aware that the cost of living is high, and that the city is known for its low taxes. It is important to research the local housing market and to be aware of the language requirements for living in the area. Additionally, expats should be aware of the healthcare system in Switzerland, and the requirements for obtaining a residence permit. Finally, it is important to research the local culture and customs to ensure a smooth transition into life in Zug," wrote a member in Switzerland.

Will I be able to find a job in Zug?

When we asked people about industries and career opportunities in Zug, they reponded:

"Foreigners often have jobs in Zug in a variety of industries, such as finance, technology, and hospitality. Many foreigners work in banking, accounting, and other financial services. There are also many opportunities in the technology sector, such as software engineering, web development, and IT support. Additionally, there are many hospitality jobs available, such as hotel and restaurant staff, tour guides, and event planners," wrote one member in Switzerland.

"Mostly financial positions and no heavy industry. Lots of international firms have offices here (varying sizes) and many have English as their first language. Career opportunities are better for Europeans than us as they have less visa and work-permit restrictions now due to new bi-lateral agreements. Plenty of job-agencies in town and we got a list form our relo lady when I siad I might want to work. She also helped us with some advertising. There is a weekly paper with stacks of ads in as well which is quite effective and not too expensive," remarked one expat who made the move to Switzerland.

What is life like in Zug?

When we asked people living in Zug what life is like and how people spend their time, they said:

"Zug has very low personal and corporate taxation and most people are just here because of tehir jobs (expats that is). However, standard of living is good - lots of international restaurants, good train connections to other cities and areas, very nice local people once they get used to you - and we found that it really helped to learn a bit of German - the locals are REALLY keen to practice their English but we found a few stumbling words in German always broke the ice. Seem very sporty as well - lots of cyclists and in-line skaters out on the streets and MANY people swim in the lakes regulary. Walking is of course a big thing - who couldn't get hooked with the gorgeous mountains right on the doorstep!!," remarked one expat living in Switzerland.

"Living in Zug as an expat or digital nomad can be an incredibly rewarding experience. The city is known for its low taxes, high quality of life, and excellent infrastructure. Expats and digital nomads in Zug can enjoy a wide range of activities, from exploring the city's many parks and lakes to taking advantage of the city's vibrant cultural scene. The city is also home to a large international community, making it easy to meet people from all over the world. Additionally, Zug is well-connected to the rest of Switzerland and Europe, making it easy to travel and explore the region. All in all, Zug is an ideal destination for expats and digital nomads looking for a safe, comfortable, and exciting place to live," wrote one member in Switzerland.

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What do expats in Zug appreciate most about the local culture?

"Expatriates in Zug appreciate the city's small-town charm and its close proximity to larger cities like Zurich and Lucerne. They also enjoy the city's low taxes, excellent public transportation, and high quality of life. Additionally, expats appreciate the city's diverse cultural offerings, including its many festivals, museums, and galleries. The city's friendly locals and welcoming atmosphere also make it a great place for expats to settle down and call home," commented one expat who made the move to Switzerland.

What do expats find most challenging?

"Expats in Zug often find the language barrier to be the most challenging aspect of the local culture. As German is the official language, many expats find it difficult to communicate with locals and to access services. Additionally, the Swiss culture is known for its formality and reserve, which can be difficult for expats to adjust to. Furthermore, the cost of living in Zug is high, making it difficult for expats to find affordable housing and other necessities," wrote a member in Switzerland.

Is there a lot of crime in Zug?

We asked people if there is a lot of crime. They answered:

"Zug is known for being one of the safest cities in Switzerland, with crime levels being very low. Criminals tend to avoid the city due to its tight security and punishment for any offenses. While there are some crimes that occur, particularly around tourist hotspots, these are usually quite minor," wrote one member in Switzerland.

Is there a lot of diversity? Are people in Zug accepting of differences?

"Yes, there is a lot of diversity in Zug. The city is home to people from many different countries, cultures, and backgrounds. People in Zug are generally accepting of differences and are welcoming to newcomers. The city is known for its open-mindedness and tolerance of different cultures and beliefs," wrote a member in Switzerland.

"Whilst I have sometimes felt that there could be more general racial tolerance in this area we have never felt discriminated against personally. There seems to be more objection to people who are here as asylum seekers. We feel very comfortable here and our children have integrated well (they are now 8 and 10). They've picked up some German from the neighbourhood kids - and taught them a thing or two. Overall I'd say, take it slowly, be polite and not too pushy and you'll soon be invited into the neighbour's gardens for drinks. To be invited into one of their homes takes a bit longer though! Also - make sure YOU introduce yourself to your new neighbours - don't wait for them to come to you. This was a tip from our relo lady and it really helped," commented one expat who made the move to Switzerland.

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What are the schools in Zug like?

"The International School of Zug and Luzern (ISZL) is one of the best international schools in Zug. It is a private, non-profit, co-educational day school offering an international curriculum for students from pre-kindergarten to grade 12. The school is accredited by the Council of International Schools (CIS) and the New England Association of Schools and Colleges (NEASC). ISZL offers a rigorous academic program, with a strong emphasis on the development of critical thinking skills, creativity, and global citizenship. The International School of Central Switzerland (ISOCS) is another excellent international school in Zug. It is a private, non-profit, co-educational day school offering an international curriculum for students from pre-kindergarten to grade 12. The school is accredited by the Council of International Schools (CIS) and the New England Association of Schools and Colleges (NEASC). ISOCS offers a comprehensive academic program, with a strong emphasis on the development of critical thinking skills, creativity, and global citizenship. The International School of Zug and Luzern (ISZL) also offers a bilingual program for students from pre-kindergarten to grade 12. The bilingual program is designed to provide students with a strong foundation in both English and German, and to develop their language skills in both languages. The school is accredited by the Council of International Schools (CIS) and the New England Association of Schools and Colleges (NEASC). ISZL offers a rigorous academic program, with a strong emphasis on the development of critical thinking skills, creativity, and global citizenship," wrote an expat with kids at in Zug.

"ISOZug is actually convenient both for families living in Luzern area and Zurich area. We are in Zimmerberg region of Zurich and find the drive to ISOZug actually shorter and easier for us than if we were to be at Zurich Intl. School. ISOZug is also all on one (charming) campus, with a large astro-turf field, play ground, farmland surrounding (complete with a few cows and sheep). The influence is not so predominantly American at ISOZug and the mix of students is quite good, including Swiss in I think every grade level. THe Head of School, Martin Latter, is a sincere man and a man of action and determination. He has personally taken the time to telephone me concerning questions I had and each time the matter was dealt with to my satisfaction," commented one expat when asked about International School of Zug in Switzerland.

What are the pros and cons of living in Zug?

Expats, digital nomads and retirees living in Zug responded:

"Expats and digital nomads living in Zug appreciate the city's high quality of life, with its low crime rate, excellent public transportation, and beautiful scenery. They also enjoy the city's vibrant cultural scene, with its many festivals, museums, and galleries. Additionally, the city's proximity to Zurich and other major cities in Switzerland makes it an ideal base for those who need to travel frequently. On the downside, the cost of living in Zug is quite high, and the city can be quite crowded during peak tourist season," commented one expat living in Switzerland.

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What type of social life can someone expect in Zug?

When we asked expats and global nomads about their social experiences in Zug, they replied:

"Expats, retirees and digital nomads living in Zug typically have an active social life. There are many opportunities to meet people and make friends, such as joining local clubs and organizations, attending events and festivals, and taking part in outdoor activities. The city also has a vibrant nightlife, with plenty of bars, restaurants and cafes to explore. Additionally, the city is home to a large international community, making it easy to find people with similar interests and backgrounds," said one expat.

"The social scene in Zug is vibrant and diverse. There are plenty of activities to do, from outdoor activities such as hiking and biking to cultural events like concerts and theatre performances. There are also plenty of bars, restaurants, and cafes to explore, as well as a lively nightlife. Zug is also home to a number of international companies, which means there are plenty of opportunities to meet people from all over the world. The city is also known for its friendly and welcoming atmosphere, making it a great place to socialize and make new friends," remarked one expat in Switzerland.

What advice to expats in Zug have about housing?

"Expats in Zug recommend researching the area thoroughly before committing to a rental property. It is important to consider the location, size, and amenities of the property, as well as the cost of living in the area. Additionally, it is important to be aware of the local rental laws and regulations, as well as the availability of public transportation. It is also recommended to visit the property in person before signing a lease, and to ask for references from previous tenants. Finally, it is important to budget for additional costs such as utilities, insurance, and taxes," commented one expat who moved to Switzerland.

What are medical services in Zug like?

When we asked expats and global nomads about the quality of medical care in Zug, they replied:

"Zug offers a wide range of medical services to its residents. The canton of Zug has a comprehensive network of hospitals, clinics, and medical centers that provide a variety of medical services, including general and specialized care. The canton also has a number of specialized medical centers, such as the Zug University Hospital, which offers advanced medical care and research. Additionally, Zug has a number of private medical practices that provide a range of services, including general practice, family medicine, and specialist care. The canton also has a number of pharmacies and health centers that provide a range of services, including prescription medications, vaccinations, and health advice," said one expat living in Switzerland.

Are healthcare and health insurance expensive in Zug?

"Healthcare and health insurance in Zug can be expensive. The cost of healthcare in Switzerland is among the highest in the world, and health insurance is mandatory for all residents. Health insurance premiums vary depending on the type of coverage and the age of the insured, but they can be quite costly. Additionally, many medical services are not covered by health insurance, and patients must pay out of pocket for these services," said one expat living in Switzerland.

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Is the cost of living in Zug high?

We asked people about the cost of living in Zug, they wrote:

"The cost of living in Zug is generally considered to be high. Rent for a nice 1 bedroom apartment in Zug can range from around $1,500 to $2,500 USD per month, while a nice 2 bedroom apartment can range from around $2,000 to $3,500 USD per month. Eating dinner at a moderately priced restaurant in Zug can cost around $30 USD per person," said one expat.

What are the visa & residency requirements in Zug?

"In order to obtain a visa to enter Zug, an individual must first apply for a Schengen visa from the Swiss Embassy or Consulate in their home country. This visa will allow the individual to stay in Switzerland for up to 90 days. To apply for a Schengen visa, the individual must provide a valid passport, a completed application form, two passport-sized photographs, proof of travel insurance, and proof of sufficient funds. In order to apply for residency in Zug, Switzerland, an individual must first obtain a residence permit. This permit is issued by the cantonal migration office and is valid for a period of one year. To apply for a residence permit, the individual must provide a valid passport, a completed application form, two passport-sized photographs, proof of health insurance, proof of sufficient funds, and proof of accommodation. The individual must also provide evidence of their purpose for staying in Switzerland, such as a job offer or a study permit," said one expat.

Why do people move to Zug?

When we asked people why foreigners move to Zug, they responded:

"Zug is an attractive destination for expats due to its high quality of life, excellent infrastructure, and low taxes. The city is known for its stunning natural beauty, with its picturesque lake and mountains providing a stunning backdrop. Additionally, Zug is home to a diverse and vibrant international community, making it a great place to meet new people and make new connections. The city also offers a wide range of cultural activities, from museums and galleries to music and theater. Finally, Zug is conveniently located close to major cities such as Zurich and Lucerne, making it easy to explore the rest of Switzerland," said an expat in Switzerland.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

Zug, Switzerland

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