There are plenty of frontaliers who do exactly what you do, and for good reason. Life in France is generally much cheaper than life in Switzerland. Like anything, exactly how much cheaper depends a little bit on your personal circumstances. Here's some advice on what you've asked about
: - income tax (%)
For frontaliers living in France and working in Basel, you will French income tax, but Swiss social charges. This is a little bit of having your cake and eating it, too -- French income taxes (at least at the lower end of the salary range) are typically cheaper than Swiss tax, and Swiss social charges are significantly cheaper than French ones.
Exactly how much cheaper depends on your personal circumstances. The French system works on the basis of 'parts', whereby whole family income is split by the number of people in the family. This means that as your family grows, your taxes drop. An individual earning CHF100'000 per year pays far more tax in the French system than the same individual if he's married (non-working spouse) and has 2 children.
Here's a good overview of how the system works: http://france.angloinfo.com/money/in...axable-income/ - day care
Daycare is much cheaper in France than in Switzerland. It is subsidized according to income. On our Swiss salary, we are not entitled to any subsidy, but I can give you a comparison. In Switzerland, I was paying CHF2'400 per month for 5-day-a-week childcare. In France, this has dropped to EUR340 per month.
The biggest challenge is finding a place. We live in a small village, and we had to wait nearly a year for a place to open up.
Also bear in mind that children in France can begin maternelle
(nursery school) from age 3, and that is entirely paid by the state. Aside from small incidental charges, there is nothing to pay, and your child is guaranteed a place. In this area, they're offered either monolingual education in French, or bilingual education in French/German. You make your choice from the beginning, and once you've decided, you're required to stay with the choice you've selected. - health insurance
Here you have two choices: you can stay in the French system, which costs 8% of your salary (no cap), or you can go into the Swiss system, LAMal, which has fixed monthly premiums regardless of salary. Most Swiss policies also allow use of the French system. We chose the Swiss system for two reasons: first, because it's cheaper in our circumstances, and second, because in the event of a serious illness, we would much prefer to be treated at the Universitatspital / Kinderspital in Basel than the public hospitals in Mulhouse or Altkirch.
The important thing here is that you must make your choice when you move to France, and once you've elected either the French or Swiss system, you are stuck with it forever. any other significant monthly expenses that we are not aware of?
Auto insurance is about half the price in France as it is in Switzerland, and home insurance was about 20% cheaper.
The other large expense that you might not have budgeted for is the taxe d'habitation
(occupancy tax) and the taxe foncière
(property tax). These can add up to quite a sum depending on the size and location of your property. Here is more information: http://france.angloinfo.com/money/ge.../property-tax/
The final thing to note is that you'll need a reasonable level of French to survive as a frontalier. While it's easy to remain an English-speaker in Switzerland, the French system is far less adapted to offering English-language support.