Switzerland is known for high salaries, clean cities, and strong worker rights. Many migrant workers see it as a dream destination in Europe. But along with good pay comes a high cost of living. Rent, food, insurance, and daily expenses are higher than in most EU countries. For foreign workers, the real question is not only “How expensive is Switzerland?” but “Can I live comfortably with my salary?” This article explains the real costs, typical wages, and smart ways migrant workers manage their budget in Switzerland.
Average Income vs Living Costs
Salaries in Switzerland are among the highest in Europe. Even blue-collar and service jobs often pay more than professional jobs in other countries. However, expenses rise at the same speed.
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Minimum monthly living cost for one person: CHF 2,000 – 2,800
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Average net salary for migrant workers: CHF 3,500 – 4,800
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Skilled workers salary: CHF 5,000 – 7,500+
Most migrants can save money, but only if they plan their spending carefully. Without budgeting, it is easy to feel that Switzerland is very expensive.
Main Expenses for Migrant Workers
Housing
Rent is the biggest expense in Switzerland.
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Shared room: CHF 600 – 900
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Studio apartment: CHF 1,000 – 1,600
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Family apartment: CHF 1,800 – 2,800+
Cities like Zurich, Geneva, and Basel are the most expensive. Smaller towns are cheaper and many workers choose to live outside the city and commute.
Health Insurance
Health insurance is mandatory for everyone.
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Basic insurance: CHF 250 – 400 per month
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Additional coverage: CHF 20 – 80 extra
Unlike some EU countries, this is not deducted from salary. Workers must pay it separately.
Food and Groceries
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Monthly groceries: CHF 300 – 450
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Eating at a restaurant: CHF 20 – 30 per meal
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Coffee: CHF 4 – 5
Shopping in discount supermarkets and cooking at home helps reduce costs.
Transport
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Monthly public transport pass: CHF 70 – 120
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Train between cities: CHF 25 – 60 per trip
Public transport is excellent but not cheap. Many employers provide travel support.
How Migrant Workers Manage Costs
Many foreign workers live well in Switzerland by following simple strategies:
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Sharing apartments with other migrants
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Living in border towns or smaller cities
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Cooking at home instead of eating out
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Using second-hand shops for furniture
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Choosing employer accommodation when available
With these steps, saving CHF 800 – 1,500 per month is realistic for many workers.
Is Switzerland Worth It for Foreign Workers?
Yes, for most migrants Switzerland is still worth it. Even after high expenses, take-home savings are usually better than in Southern or Eastern Europe. Working conditions are safe, overtime is paid, and contracts are stable. The country also offers clean environment, good schools, and strong public services.
The key point: Switzerland is expensive, but salaries are designed to match those costs.
Who May Find It Difficult?
Switzerland can feel costly for:
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Workers earning below CHF 3,500
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People supporting large families
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Those living alone in big cities
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New arrivals without budgeting knowledge
For these groups, planning and location choice are very important.
Final Verdict
Switzerland is one of the most expensive countries in Europe, but also one of the best paying. For migrant workers, life can be comfortable if income, rent, and lifestyle are balanced. Understanding real costs before moving helps avoid surprises and builds a successful migration journey.