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Old 30.07.2008, 06:58
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Cost of living in Zug

Hello,
I have an offer from a company in Zug. I have lived in the USA my entire life. I am considering moving to Zug. I will appreciate if you can provide me with some estimates on cost of living (monthly expenditures) and standard deductions from paycheck in Switzerland. My employer does not provide health insurance. Is that standard in Switzerland?

Thank you
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  #2  
Old 30.07.2008, 07:42
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Re: Cost of living in Zug

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My employer does not provide health insurance. Is that standard in Switzerland?
Hi,
Welcome to the English Forum, you'll find many of your questions have already been answered if you search the forum. If you scroll down you'll see a box entitled "Similar Threads" which will get you started. Employers will supply you with accident insurance (for on and off the job) but health insurance will be up to you to acquire.

good luck..
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Old 30.07.2008, 08:28
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Re: Cost of living in Zug

Hi Afahmad,
Rents tend to be a little higher in Zug but you can save some money by living in in the surrounding villages.
We live in Hünenberg near Cham, in a nice but not flashy 3 bedroom apartment of 120 sq meters. I should add that this apartment took some time to find and we looked at many apartments that were not as nice for 3-400/month more. For a luxury apartment with lake view, new building, top location in Zug etc. you can easly double or triple our rent.
- Our rent is 1846/month.
- Heat and water are called "Nebencosten" and fixed at 220/month (we pay this with the rent).
- Parking space is 115/month (we pay this with the rent too).
Electricity, phone, ADSL are extra and amount to about 130/month.
- Basic Swiss health insurance for my wife and I is 260/month (1500 deductible age 46).
- Gas costs 2.10 liter or about $8/gallon but the public transport system is fantastic.
- Dinner at an inexpensive restaurant is about 20-25 CHF for the main course and a mug of beer costs about 7 CHF. Bottles of wine start at about 25 CHF.
- The income taxes in Zug are some of the lowest in Switzerland and the quality of life is very high, even by Swiss standards. Zug has a very cosmopolitan and affluent air about it.
Feel free to PM me if you need anymore info.
Good luck,
Ed McGaugh
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Old 31.07.2008, 16:41
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Re: Cost of living in Zug

You will find some more information on Zug here: www.zug4you.ch
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Old 31.07.2008, 19:44
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Re: Cost of living in Zug

Thanks gooner,
Would you mind if I posted this on Swiss Consumers Forum? http://groups.yahoo.com/group/swissconsumersforum/
I think it is very useful.
Thanks,
Ed

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Old 12.08.2008, 11:17
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Re: Cost of living in Zug

Hello Afahmad,

Since apartments or houses aren't exactly cheap in the Zug area, I'd recommend to expand your radius to the canton of Lucerne. If you're willing to drive 30 to 45 minutes, you can save a substantial amount and enjoy increased quality of life.

Besides this, the figures provided by Ed are a good indicator of the expected general costs.

BR,
Rolf
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Old 12.08.2008, 11:28
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Re: Cost of living in Zug

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Hello Afahmad,

Since apartments or houses aren't exactly cheap in the Zug area, I'd recommend to expand your radius to the canton of Lucerne. If you're willing to drive 30 to 45 minutes, you can save a substantial amount and enjoy increased quality of life.

Besides this, the figures provided by Ed are a good indicator of the expected general costs.

BR,
Rolf
I know quite a few people who do this, the money you save on tax in Zug usually seems to be offset by the ammount of rent you pay. The rents in Luzern are far cheaper.
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Old 12.08.2008, 14:44
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Re: Cost of living in Zug

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Since apartments or houses aren't exactly cheap in the Zug area, I'd recommend to expand your radius to the canton of Lucerne. If you're willing to drive 30 to 45 minutes, you can save a substantial amount and enjoy increased quality of life.
IMHO a additional 35 to 45 minute journey to work could never increase my quality of life, no matter how much money I saved on rent.

Zug is great - and has everything I need within walking distance. I have seen very good apartments come up over the years. CHF 1600 for 4 bedrooms (old building), CHF 1300 for 3.5 rooms renovated but small balcony, CHF 2000 for a 4 room flat in the old town (with no balcony but outside common space) - all 5-10 mins from the train station. My last flat is CHF 2400 a month for 120 m2, with a 50m2 lounge, 2 big balconies, fireplace and mountain view. Sadly, it went back again to an office, since it was right in the city.

Keep looking
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Old 12.08.2008, 15:22
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Re: Cost of living in Zug

Commuting does rarely increase the quality of life - but maybe a quiet place in the country with something else to see but concrete. In the end, it depends what somebody really wants: be in a city and in the middle of everything or stay a bit outside on the quiet side.
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Old 25.08.2008, 09:16
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Re: Cost of living in Zug

I like Canton Zug quite a bit aside from the taxes. There
are several lakes and nice mountains in the area.

My apartment is about 500 CHF more per month than in Horgen,
Zürich.

Good Luck!
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Old 25.08.2008, 13:30
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Re: Cost of living in Zug

insurance is expensive and mandator pays for almost nothing. unlike most american companies that offer insurance with employment.

tv bills are outrageous. you could have 3 separate bills for a tv (tax, line connection fee from management, and the cable fee from the tv company).

also there are a lot of hidden costs in an apartment, dont always trust the ad price. there is an extra fee at the end of the year that is usually the price of one months rent. ive seen some place bill people 4-5000chf for maintenance costs. for an apartment of 2000 chf rent per month.

its best to live below your means because big bills will find you later.
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Old 25.08.2008, 15:43
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Re: Cost of living in Zug

1. I pay Fr. 130/month for health insurance and the Swiss insurance companies don't ask if I smoke or about my parents health problems like American companies do. I am sure I would pay more in the US for the same coverage and the US insurance companies probably wouldn't pay if I got really sick because they discover I smoke an occasional cigar or that my dad has Parkinson’s.

2. I have lived here for 10 years and lived an half-a-dozen different apartments and I have never paid a "connection fee" from the management. Monthly cable and tax, sure, but that is normal anywhere in Europe and they certainly aren't big amounts.

3. I have never been charged a "maintenance cost" either. Not sure what you are talking about here. Do you mean damages? Maybe someone let the tub run over or punched holes in the walls.



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insurance is expensive and mandator pays for almost nothing. unlike most american companies that offer insurance with employment.

tv bills are outrageous. you could have 3 separate bills for a tv (tax, line connection fee from management, and the cable fee from the tv company).

also there are a lot of hidden costs in an apartment, dont always trust the ad price. there is an extra fee at the end of the year that is usually the price of one months rent. ive seen some place bill people 4-5000chf for maintenance costs. for an apartment of 2000 chf rent per month.

its best to live below your means because big bills will find you later.
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Old 25.08.2008, 16:32
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Re: Cost of living in Zug

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1. I pay Fr. 130/month for health insurance and the Swiss insurance companies don't ask if I smoke or about my parents health problems like American companies do. I am sure I would pay more in the US for the same coverage and the US insurance companies probably wouldn't pay if I got really sick because they discover I smoke an occasional cigar or that my dad has Parkinson’s.

2. I have lived here for 10 years and lived an half-a-dozen different apartments and I have never paid a "connection fee" from the management. Monthly cable and tax, sure, but that is normal anywhere in Europe and they certainly aren't big amounts.

3. I have never been charged a "maintenance cost" either. Not sure what you are talking about here. Do you mean damages? Maybe someone let the tub run over or punched holes in the walls.
sorry i mean the end of the year fees. i call them maintenance= building: electricity, heating, cleaning, water, gas etc... also the opt out options for things like tv and parking is not always possible, so you may have to pay for things you dont even want.

i think the big difference in Switzerland then the US is if you dont want to have things in the US you dont have to pay for it. But in switzerland you must. Bills are usually shared by a building. So if you live next to an old guy that blasts the heat during winter you will end up paying for his. bills are usually totaled for the entire building and then divided by tenants or space. For instance i pay for the gas stove even though i never use it, because others in my building do. and when that bill is comes to 4000 chf its a lot of money, for things you didnt use.

yes a few buildings make you pay the building management a monthly fee for having the tv wire come to your apartment. as if: you didnt want it, you still must pay it. i dont understand it myself.
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