Zurich, Switzerland
Zurich, Switzerland
Last updated on Apr 22, 2023
Summary: People describe Zurich, Switzerland as a vibrant, cosmopolitan city with a stunning natural landscape. Expats love the city's high quality of life, excellent public transportation, and the fact that it is a safe and secure place to live. The weather in Zurich is generally mild, with temperatures ranging from the mid-30s to the mid-60s Fahrenheit (0-20 Celsius). The average cost of living for an expat is quite high, with estimates ranging from $3,000 to $5,000 USD per month. The cost of a one bedroom apartment in Zurich is typically around $2,000 USD per month, while a two bedroom apartment can cost up to $3,500 USD per month. The approximate population of Zurich is 400,000 people.
What do I need to know about living in Zurich?
When we asked people what advice they would give someone preparing to move to Zurich, they said:
"Before retiring in Zurich, it is important to research the cost of living and compare it to your expected income. As Switzerland is known for its high cost of living, it is important to take into account things like housing, transportation, food and medical costs. It is also important to have an understanding of the tax system in Switzerland and ensure that you are prepared to comply with it while living in the country. When retiring in Zurich, it is also important to learn about Switzerland's retirement laws and pension systems before settling down. It can be beneficial to also research the healthcare system and find out what type of coverage is available and whether you qualify for public or private health insurance. Finally, it is important to consider the quality of life Zurich has to offer and the amenities that you enjoy. Consider whether the city can provide activities and services to suit your lifestyle and needs. Learning some of the language, customs, culture and laws of the city is also recommended," said one expat who made the move to Zurich.
"LEARN GERMAN,and make sure that you can get a tax specialist who speaks your langauge if you mother tongue is not German, French or Italian," explained one expat living in Zurich, Switzerland.
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What do I need to know before moving to Zurich?
When we asked people what advice they would give someone preparing to move to Zurich, they said:
"1. Before moving to Zurich it is important to be familiar with the climate. Zurich is known for its mild weather, with average summer temperatures around 22°C and winter temperatures around 1°C. 2. Research the housing situation in Zurich. Rent in Zurich is generally quite high, so it can be a challenge to find an affordable place to live. 3. Make sure you have the right documents to be able to move to Zurich. Citizens of EU countries, Switzerland and the European Free Trade Association (EFTA) countries do not need a visa or work permit to work and live in Zurich. For non-EU citizens, a valid work permit or a residency permit is required to stay in Zurich. 4. Research and learn some of the local language. Zurich is situated in the German-speaking part of Switzerland, so being able to speak the language might come in handy. 5. Consider the cost of living and healthcare. Zurich is known to be one of the most expensive cities to live in. Healthcare and social insurance are offered through public schemes in Switzerland, so make sure you and your family can receive the necessary health coverage when you move. 6. Plan and research transportation options in advance. Zurich has a good public transportation network, which includes trams, buses and trains," explained one expat living in Zurich, Switzerland.
"Aside from trying to adjust to a Continental move, the public school system gave me the most grief. I would suggest a person read up on how it works in CH before deciding to put your children into their system. If you don't like it, or it's not a good fit for your child or children it's almost impossible to move them to the private school system even with the money for tuition," said one expat in Zurich.
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How do I find a place to live in Zurich?
We asked expats how they chose their neighborhood and found a place to live. They answered:
"Finding a place to live in Zurich can be challenging due to the high demand for housing. It is advised to start your search in advance to give yourself enough time to find a suitable place. Research your options and budget carefully, as a variety of housing options are available, ranging from apartments, to flats and studios. Consider using a real estate agent or a relocation service to increase your chances of finding a place quickly. Online property search websites like Immoscout24, Homegate and Home.ch can also be helpful for listing available properties and getting an understanding of the local housing market. Ensure that you have your documents ready, such as employment contract, reference letter from your bank and proof of financial resources, which may be required during the tenancy application process," said one expat in Zurich.
"It was very difficult with a zero vacancy rate, our decision was dictated by what was available," said one expat who made the move to Zurich.
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What is a typical expat home or apartment like in Zurich?
"A typical expat home or apartment in Zurich will be modern, spacious and comfortable, with a high level of amenities. Generally, these apartments and homes feature a mix of contemporary decor and furnishing and classic design and living elements. There is usually a generous amount of space along with plenty of natural light, high ceilings and often access to a balcony. Common amenities and facilities include a fully-equipped kitchen, multiple bathrooms with modern and stylish fixtures, large closets and sometimes a separate laundry room. Many expat apartments also offer access to a shared pool, a gym and a range of concierge services. Parking, or at least a parking permit, is also often available," remarked one expat who made the move to Zurich.
"Share farm house. And no, I don't think this is normal, but it suited me very well. I think most expats would prefer the city. It was a share farm house with 2 blokes. However, take on board that public transport is very reliable and comfortable in Switzerland. Much better than my own country," explained one expat living in Zurich, Switzerland.
What is the average cost of housing in Zurich?
If you are thinking about moving to Zurich, cost of living in probably a key consideration. Expats commented about the cost of housing:
"As in this share (country village) situation, it was cheaper. There is more competition for utilities than in my country (Australia). However, in my experience, renting a whole apartment was much more expensive than my home country," wrote one member in Zurich.
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How do I meet people in Zurich?
When we asked people living in Zurich about club and activities where newcomers can meet others, they responded:
"Take the "Living in Zurich" mini course offered in October (every Friday for 6 weeks) by the American Women's Club of Zurich," said one expat in Zurich.
"There are many international clubs, so my advice is to get involved in as many international clubs here as possible," said one expat who made the move to Zurich.
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What should I bring when moving to Zurich?
People living in Zurich were asked what three things they wish they had brought and three they wish they had left behind. They wrote:
"Wish to have left home = sandals, not so many skimpy summer clothes Wish to have brought with me = good walking boots, better camera, vegemite," said one expat who made the move to Zurich.
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Where should I setup a bank account in Zurich?
We asked expats in Zurich what banks they use and there advice about banking. They advised:
"The best way to setup a bank account in Zurich is to visit a branch of a local bank in the city. Many major international banks such as UBS, Credit Suisse and Zürcher Kantonalbank have branches in Zurich, and they all offer a wide range of services including bank accounts and investment products. Additionally, there are many smaller Swiss banks that provide services exclusive to the Swiss market. It is highly recommended to do research prior to visiting a branch to determine which bank best meets your needs," explained one expat living in Zurich, Switzerland.
Will I be able to find a job in Zurich?
When we asked people about industries and career opportunities in Zurich, they reponded:
"Banking and insurance jobs abound; teaching English is possible but not that profitable; women have a tough time finding jobs (better to have one before you come); children in the public schools come home for lunch every day making it impossible for mom to work (private schools run over 20,000CHF); most jobs require knowledge of high German," said one expat in Zurich.
"The main industry is finance - banking, wealth management, etc. Career opportunities are good but Switzerland is suffering like everywhere else around the world, following Sept. 11 with rising unemployment. As well as employment agencies, you can find jobs via the internet or newspapers," said one expat who made the move to Zurich.
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What is life like in Zurich?
When we asked people living in Zurich what life is like and how people spend their time, they said:
"Life revolves around money and family. The more money you can get, the more closed your group becomes, until it becomes your family. Switzerland is not the place if you want a great American-style, social life. That said, the nature parks and mountains are way cool!!," commented one expat who made the move to Zurich.
"In general life revolves around the family for the Swiss. If your a foreigner join a club to get to know people - especially iy ouare single. It's difficult to get to meet people outside of work," remarked one expat living in Zurich, Switzerland.
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What do expats in Zurich appreciate most about the local culture?
"Expats in Zurich appreciate the high quality of life, the safe and clean environment, the reliable and efficient transportation system, the availability of good healthcare, the variety of entertainment options, the beauty of the Swiss Alps, the availability of international foods and restaurants, and the friendliness of the local people. They also enjoy the cultural diversity of the city and appreciate the mix of old and new architecture. Additionally, Zurich's renowned museums, galleries, and festivals offer a diverse range of cultural activities to explore," explained one expat living in Zurich, Switzerland.
"The air is clean, we can ski on weekends in winter. You see the mountains. But that's about it. I personally appreciate Asia much more," said one expat in Zurich.
What do expats find most challenging?
"Expatriates often find adjusting to a new cultural environment challenging. Making friends and gaining access to a strong social network can be difficult. Additionally, language barriers can make communicating and navigating everyday tasks difficult. The bureaucracy associated with visas and residency permits can also be overwhelming. Other issues faced by expats include homesickness, loneliness and struggling to understand the nuances of local customs and etiquette," said one expat in Zurich.
Is there a lot of crime in Zurich?
We asked people if there is a lot of crime. They answered:
"No, there is not a lot of crime in Zurich. Zurich is generally considered to be one of the safest cities in the world. The overall crime rate is low, and the city is well-equipped to deal with any instances of crime that do occur," remarked one expat who made the move to Zurich.
Is there a lot of diversity? Are people in Zurich accepting of differences?
"As long as you are rich, you will be fine. As a black woman from the US, it's a shame to see so many badly behaved blacks AGAIN in a country. I work in IT, and I wish I could meet more professional people. Once you behave badly in the Swiss country, you are making a reputation for others who look like you. That is not necessarily racism as it is the 21st century mentality that people are responsible for their behavior," remarked one expat living in Zurich, Switzerland.
"There is cultural diversity in Zurich although I'm not sure how accepting the Swiss are in the short time I have been here. As a single working mother and black, I feel somewhat isolated. It's not so easy to meet people. Also being a black professional I am disappointed that I haven't seen any black professionals around. I hope to be proved wrong," wrote one member in Zurich.
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What are the schools in Zurich like?
"Schools in Zurich vary, providing an array of educational opportunities for their students. There are public Canton schools, international schools, and private schools available. Public Canton schools are free of charge and teach classes in both Swiss German and English. International schools typically offer the International Baccalaureate or have their own curriculum, and some school tuition costs can be high. Private schools also offer a range of curriculums, capitalizing on their individual school mission. Different schools have different approaches to learning, and no two schools have the same level of educational excellence," remarked one parent with kids at in Zurich.
"Get in touch with the head of school, Mr. Remo Kaspar by phone or mail or arrange a personal meeting. For more information see: www.bilingual-middleschool.ch," explained one expat living in Zurich, Switzerland.
What are the pros and cons of living in Zurich?
Expats, digital nomads and retirees living in Zurich responded:
"Expats and digital nomads living in Zurich appreciate the city's high quality of life, excellent public transportation system, and stunning natural beauty. They also enjoy the city's vibrant cultural scene, with its many museums, galleries, and theaters. On the downside, expats and digital nomads may find the cost of living in Zurich to be quite high, and the city can be quite crowded during peak tourist season. Additionally, the language barrier can be a challenge for those who don't speak German," mentioned an expat living in Zurich.
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What type of social life can someone expect in Zurich?
When we asked expats and global nomads about their social experiences in Zurich, they replied:
"Expats, retirees and digital nomads living in Zurich typically have an active social life. There are many opportunities to meet people from all over the world, as well as locals, through various activities such as language classes, sports clubs, and social events. Zurich also has a vibrant nightlife, with plenty of bars, clubs, and restaurants to explore. Additionally, there are many cultural activities to enjoy, such as visiting museums, attending concerts, and exploring the city's many parks and green spaces," said an expat in Zurich.
"Zurich is a vibrant city with a lively social scene. There are plenty of bars, clubs, and restaurants to explore, as well as a variety of cultural activities and events. The city is also home to a number of festivals throughout the year, such as the Street Parade and the Zurich Film Festival. Zurich is also known for its nightlife, with a range of bars, clubs, and live music venues to choose from. The city also has a thriving art and culture scene, with a number of galleries, museums, and theatres to explore," remarked one expat in Zurich.
What advice to expats in Zurich have about housing?
"Expats in Zurich advise to research the different neighborhoods and areas of the city before committing to a rental agreement. It is also important to consider the cost of living in Zurich, as it is one of the most expensive cities in the world. Additionally, it is recommended to look for a place that is close to public transportation, as this will make it easier to get around the city. Finally, it is important to be aware of the rental laws in Switzerland, as they can be quite different from other countries," mentioned an expat living in Zurich.
What are medical services in Zurich like?
When we asked expats and global nomads about the quality of medical care in Zurich, they replied:
"Zurich is home to a wide range of medical services, ranging from general practitioners to specialized clinics and hospitals. The city is well-known for its high quality of medical care, with many of its hospitals and clinics being internationally accredited. Patients can expect to receive comprehensive care from experienced and highly qualified medical professionals. Additionally, Zurich is home to a number of research institutes and universities, which provide access to cutting-edge treatments and technologies. The city also offers a wide range of health insurance plans, allowing residents to access the medical services they need," remarked one expat living in Zurich.
Are healthcare and health insurance expensive in Zurich?
"Healthcare and health insurance in Zurich can be expensive. The cost of healthcare services, such as doctor visits and hospital stays, can be high, and health insurance premiums can also be costly. However, the Swiss government subsidizes healthcare costs for those who are eligible, and there are also a variety of private health insurance plans available that can help to reduce the cost of healthcare," commented one expat living in Zurich, Switzerland.
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Why do people move to Zurich?
When we asked people why foreigners move to Zurich, they responded:
"Zurich is an attractive destination for expats due to its high quality of life, excellent infrastructure, and vibrant cultural scene. The city is known for its stunning natural beauty, with the Alps providing a stunning backdrop to the city. Zurich is also a major financial and business hub, with many international companies having their headquarters in the city. The city is also home to a number of world-class universities, making it an ideal destination for those looking to further their education. Additionally, Zurich is a safe and secure city, with a low crime rate and excellent public transportation system. All of these factors make Zurich an attractive destination for expats looking to relocate," wrote one expat living in Zurich.
About the Author
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.
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