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Old 10.12.2014, 00:58
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Salaries in Zug vs Zurich

I might be offered a position in Baar/Zug. I know that taxes are lower but expenses are higher (like downtown Zurich) if one were to live there.

But what about salaries? Is a Zug salary about the same as a Zurich one? Sorry if this has been covered, but I could not find any posts about the differences or similarities.

Thanks so much.
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Old 10.12.2014, 08:58
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Re: Salaries in Zug vs Zurich

don't expect many differences between 2 cities 30 km away from each other.
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Old 10.12.2014, 10:12
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Re: Salaries in Zug vs Zurich

Exactly, more or less the same but the less tax is matched by the higher rents. Still, I live in Baar and prefer it to Zurich as it's countryside and open. If you like cities don't come to Zug, it's very farm-like.
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Old 10.12.2014, 16:41
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don't expect many differences between 2 cities 30 km away from each other.
I guessed that but was not sure, so thanks for confirming it.

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Exactly, more or less the same but the less tax is matched by the higher rents. Still, I live in Baar and prefer it to Zurich as it's countryside and open. If you like cities don't come to Zug, it's very farm-like.
Yes, I was there on my first interview but saw lots of business parks and soulless modern builds rather than beautiful countryside. I imagine that if I were to accept the job, I would probably live in Thalwil or Zurich. But could you recommend areas around Baar/Zug to live that you like? It could not hurt to know where they are just in case.

Thanks very much.

Last edited by 3Wishes; 10.12.2014 at 17:04. Reason: merging successive posts
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Old 10.12.2014, 16:48
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Re: Salaries in Zug vs Zurich

I would advise to look at Cham and Baar by renting a car and driving around. The further from train stations the better quality.

But the soulless modern buildings are mainly in the center or Rotkreuz. Most areas are very nice to live in as they're open spaced and with nice views.

Depends where you'll work but you can also check Walchwill and the other side of the lake.
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Old 10.12.2014, 20:52
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Re: Salaries in Zug vs Zurich

The amount on income tax you pay is determined by where you live rather than where you work, so beneficial to live in Zug! You can find out tax levels on comparis.ch (https://en.comparis.ch/steuern/steue...h/default.aspx)
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Old 10.12.2014, 20:52
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Re: Salaries in Zug vs Zurich

Yes but rents are skyrocketing because of that so it's not that easy.
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Old 10.12.2014, 22:44
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Re: Salaries in Zug vs Zurich

Its interesting to look at the income tax by commune as well as by Canton actually. For example, on a yearly salary of 80K, tax is 8.5K in Walchwil (canton Zug), 8.8K in Zug, 10K in Hünenberg (canton Zug), 11.6K in Zurich- where you live can make quite a big difference.
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Old 10.12.2014, 23:18
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Re: Salaries in Zug vs Zurich

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The amount on income tax you pay is determined by where you live rather than where you work, so beneficial to live in Zug! You can find out tax levels on comparis.ch (https://en.comparis.ch/steuern/steue...h/default.aspx)
I did know that about where you live rather than work, but wasn't that a fun game! Turns out Zurich takes out less tax than where I am in Ticino. So, things are looking up for me regardless where I end up, if I do end up taking a job further north. The difference between Zug and Thalwil is minimal (but less so between Thalwil and Zurich, where Zurich is noticeably more).

Nice! Thanks.
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Old 10.12.2014, 23:27
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Re: Salaries in Zug vs Zurich

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Its interesting to look at the income tax by commune as well as by Canton actually. For example, on a yearly salary of 80K, tax is 8.5K in Walchwil (canton Zug), 8.8K in Zug, 10K in Hünenberg (canton Zug), 11.6K in Zurich- where you live can make quite a big difference.
Health insurance is notably less expensive too in the Canton of Zug. Probably a tax thing too?
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Old 11.12.2014, 00:38
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Re: Salaries in Zug vs Zurich

My health insurance is incredibly cheap- only 140CHF per month, which is cheaper than anyone else I know. I'm with Agrisano (supposed to be for farmers, but anyone can be insured by them as long as you don't want any of the 'additional packages'). I got it that cheap by doing the Hausarzt model, 2500 franchise, paying for a year in full in one go and being under 25 at the point at which I took out the insurance!
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Old 11.12.2014, 17:54
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Re: Salaries in Zug vs Zurich

Interesting tread!
A question for you guys who have chosen Zug over Zurich or the other way around: Based on your personal experience, what is the income threshold in which paying less taxes in Zug starts to offset the higher rents in Zug?

Thanks!
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Old 11.12.2014, 17:57
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Re: Salaries in Zug vs Zurich

My guess would be above 100k, the higher the better. Below that the difference wouldn't be meaningful and might even be worse to live in Zug.
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Old 12.12.2014, 12:06
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Re: Salaries in Zug vs Zurich

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My guess would be above 100k, the higher the better. Below that the difference wouldn't be meaningful and might even be worse to live in Zug.
Thanks! It's not that bad, I thought it would be a minimum of 120k-140k.
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Old 12.12.2014, 12:39
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Re: Salaries in Zug vs Zurich

I posted some graphs based on tax at source a few years ago.
You can see the differences and then look at house prices. Iirc it was around 130 to 140k where it started getting cheaper (assuming you were commuting into Zurich).

For a balance of low taxes and reasonable rent with good transport connections, take a look at Pfäffikon SZ.
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Old 12.12.2014, 12:46
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Re: Salaries in Zug vs Zurich

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My guess would be above 100k, the higher the better. Below that the difference wouldn't be meaningful and might even be worse to live in Zug.
Worse to live in Zug because you would have to pay transportation costs (if you worked in Zurich) or worse because of something else?

I just read something on another post that suggests that the varying village tax does not kick in until one makes a certain amount of money (enough to have to do a Swiss tax declaration CHF 120,000 and up?). Before then, one only pays a general cantonal tax so it does not matter anyway.

Is this correct?
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Old 12.12.2014, 12:52
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Re: Salaries in Zug vs Zurich

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Worse to live in Zug because you would have to pay transportation costs (if you worked in Zurich) or worse because of something else?

I just read something on another post that suggests that the varying village tax does not kick in until one makes a certain amount of money (enough to have to do a Swiss tax declaration CHF 120,000 and up?). Before then, one only pays a general cantonal tax so it does not matter anyway.

Is this correct?
Correct. Sometimes you win sometimes you lose if you don't have to do a tax return. Eg living in Zurich City you pay less tax under tax at source as the "village" tax is above the cantonal average. Living in Thalwil the opposite is true because the village tax is lower than the cantonal average.
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Old 12.12.2014, 12:56
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Re: Salaries in Zug vs Zurich

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Correct. Sometimes you win sometimes you lose if you don't have to do a tax return. Eg living in Zurich City you pay less tax under tax at source as the "village" tax is above the cantonal average. Living in Thalwil the opposite is true because the village tax is lower than the cantonal average.
Very interesting and thank you very much for clarifying. I found a site listing the different village taxes but what about the cantonal ones (the "average")? Where could I find them?

Also, if I were to make less than 120,000, could I opt to do a tax return to save money if I am in a village that has less tax than the cantonal one?
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Old 12.12.2014, 15:07
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Re: Salaries in Zug vs Zurich

I'm not sure to be honest. I want to say it's the arithmetic mean of all the villages, but I don't think it changes when the villages change their own rates. It may also be "100" (which is the same as the cantonal rate) whereas Zurich is 119 and Thalwil is around 80.

Zurich won't let you fill in a return if you are under 120k. If you have exceptional expenses in a year though you can write them a nice letter and ask them to take it into account. I tried this when I'd been in the country a few months and had overpaid tax due to relocation expenses and had paid a massive tuition fee, but ultimately failed as they were being purposely awkward and bureaucratic to avoid giving me a refund and I ran out of patience.
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Old 12.12.2014, 17:01
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Re: Salaries in Zug vs Zurich

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Zurich won't let you fill in a return if you are under 120k.
Is that also the case if you have a C permit?

By the way, OP, is it correct that you are under 25? You do realise that there is little to no nightlife in Zug? At your age you realy should opt for Zurich.
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