Snow-capped mountains, chocolate-laced dreams and pristine lakes - it’s easy to romanticise life in Switzerland. But what’s it really like to build a life here as an expat? Beneath the postcard-perfect landscapes lies a culture of precision, discretion and quiet complexity.
From dealing with four national languages to adjusting to the high living costs and a reserved social culture, people are often surprised by how long it can take to settle into Swiss life. Whether you're moving for work, love or simply a fresh start, knowing what to expect can make all the difference.
A clean, safe and scenic lifestyle
Switzerland offers a unique blend of pristine natural beauty, world-class infrastructure and a strong sense of security. You’ll find that public spaces are immaculately maintained, public transport runs like clockwork and everyday life feels well-organised and calm.
Whether you’re commuting through snow-capped mountains or relaxing by a crystal-clear lake, nature is never far away. Cities like Zurich, Geneva and Bern offer the benefits of urban living without the chaos found in many other capitals.
The cultural adjustment
Swiss culture can initially seem reserved, especially if you’re used to more outgoing or spontaneous social settings. Relationships here tend to form slowly and deliberately. Spontaneous drop-ins are rare and social calendars are often planned weeks in advance.
You might find it takes some time and effort to build a community, especially outside major cities. Learning the local language can go a long way in bridging the cultural gap and easing integration. But just because it can be slow-going, don't lose heart. If you put the effort in, you will find your people.
Languages in Switzerland
Switzerland has four official languages, and where you live will determine which is the most useful to learn.
National languages and their regions
• German (63%): Used widely in Zurich, Bern, Basel and Lucerne, among others
• French (23%): Spoken in Geneva, Lausanne, and Neuchâtel, among others
• Italian (8%): Found in Ticino (Lugano, Locarno) and parts of Graubünden
• Romansh (<1%): Used in specific areas of Canton Graubünden
What about English?
In most urban areas and international workplaces, you’ll find that English is commonly spoken. However, for full integration, especially in local services, schools, or healthcare, it’s essential to learn the regional language.
The cost of living in Switzerland
Switzerland is known to have a high cost of living. But salaries, healthcare, infrastructure and public services are generally proportional to these costs. You’re paying for the quality, and for most expats, the trade-off is worth it.
Average monthly expenses
Taxation in Switzerland
Your income tax depends on your canton, marital status and salary. Effective rates vary widely. In low-tax cantons such as Zug or Schwyz you will be paying around 10%, while in higher-tax cantons, such as Geneva or Neuchâtel it may be 20% or higher.
If you’re on a B-residence permit, you’ll likely be taxed at source, meaning your employer will deduct your tax directly from your salary based on your income and place of residence.
Healthcare in Switzerland
Health insurance is mandatory. You must purchase at least basic insurance from a private provider. The coverage is standardised across providers, but prices vary.
You can also opt for supplemental insurance to cover extras like private hospital rooms, dental care, or alternative medicine. The healthcare system is private but highly regulated and of exceptional quality.
Working in Switzerland
Swiss workplaces are known for professionalism, punctuality and a strong work ethic. Hierarchies exist but are generally respectful rather than rigid. Employees are expected to work independently and produce high-quality results.
Key work statistics
- Average working hours: 40–42 per week
- Paid leave: 20 days minimum (often 25–30)
- Maternity leave: At least 14 weeks (98 days) at 80% pay
- Paternity leave: 2 weeks (since 2021)
Salaries by sector (gross monthly average)
- Median Swiss salary: 6.788 Swiss francs
- IT & Engineering: 7.500 - 9.000 Swiss francs
- Finance: 9.000 - 11.000 Swiss francs
- Healthcare: 6.000 - 8.000 Swiss francs
- Hospitality: 4.000 - 4.800 Swiss francs
Bear in mind that salaries in Switzerland vary significantly by region. Generally speaking, employers in Canton Zurich, Basel, Zug and the Lake Geneva region offer the highest wages, while those in Ticino and Jura provide the lowest.
While English is commonly used in international companies, especially in Zurich and Geneva, local language skills are often required for public sector or regionally focused roles.
Finding love in Switzerland
Swiss dating culture reflects the national personality: understated, calm and private. You’re more likely to meet someone through a language class, hiking group or mutual friend than at a bar or nightclub.
Multicultural relationships
In cities like Geneva and Zurich, you’ll find many bi-national couples. While it may take time to form close connections, they are often genuine and long-lasting.
Buying a home in Switzerland
Generally speaking, expats are allowed to purchase property in Switzerland. However, only around 37% of Swiss residents own property, which is among the lowest rates in Europe. Most expats choose to rent, at least initially.
If you are a B or C permit holder, you are allowed to purchase property, but be aware that non-residents face limitations. You will also have to face high prices for property, especially in Zurich and Geneva.
Average apartment prices (100m²)
- Geneva: 1,3–1,5 million Swiss francs
- Zurich: 1,2 - 1,4 million Swiss francs
- Lausanne: 1 - 1,2 million Swiss francs
- Smaller towns: 600.000 - 900.000 Swiss francs
Rental properties are typically well-maintained, with professional management.
Pelichet help you find housing that fits your lifestyle and budget across all cantons.
Food culture in Switzerland
Swiss cuisine reflects the country's multicultural makeup and regional diversity. Each linguistic region has its own culinary influences, so that German, French and Italian traditions blend to create a varied and hearty food culture.
You’ll find that meals often revolve around seasonal, locally-sourced ingredients. Traditional Swiss food is simple, rich and comforting - perfect for the alpine climate.
Signature dishes
- Fondue: Melted cheese served in a communal pot and eaten with bread cubes. A winter favourite and a true cultural experience.
- Raclette: Melted cheese scraped over potatoes, pickles, and onions - particularly popular in the French-speaking regions.
- Rösti: A crispy fried potato dish originally from German-speaking Switzerland, often served with eggs, cheese or meats.
- Zürcher Geschnetzeltes: Sliced veal in a creamy mushroom sauce, typically served with Rösti.
- Basler Läckerli: A spiced, honey-flavoured biscuit from Basel, made with nuts and candied peel.
Cheese, Chocolate and Sweet Treats
Switzerland is world-renowned for its cheese and chocolate, and you’ll find both play a significant role in daily life and celebrations. With over 450 varieties – including Gruyère, Emmental, Appenzeller and Sbrinz - cheese is a staple in both home cooking and social gatherings.
Swiss chocolate is famous for a reason. From big brands like Lindt and Toblerone to artisanal chocolatiers in every city, you’re never far from a sweet indulgence.
Dining out in Switzerland
Dining out is not as common as in some other countries due to the high cost of restaurant meals. That said, Swiss people do enjoy eating out, especially for special occasions or weekend meals.
- Lunch is often the main meal of the day, and many restaurants offer more affordable “menu du jour” or daily specials.
- Dinner tends to be lighter and more intimate.
- Tipping is not mandatory, but it’s customary to round up or leave 5–10% for good service.
In cities like Zurich, Geneva, and Lausanne, you’ll find a wide range of international cuisine, from Thai to Ethiopian to Italian. There’s also a strong café culture, especially in the French-speaking regions.
Relocating to Switzerland offers a safe, stable, and high-quality lifestyle. But integration takes time, and the high costs may require some adjustment. With the right support, you can build a fulfilling personal and professional life in this beautiful country. Pelichet are here to make your move seamless, so you can focus on settling in and feeling at home.