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Old 15.05.2015, 22:39
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Family Life in Zurich

Hi All,

I am being interviewed for a job in Zurich paying between 150,000 - 190,000 CHF per year. I am married with two children under the ages of 4. We currently live in Munich, and it's obvious to say that living in Zurich, seems a lot more expensive, even with the lower taxes. Do things even out, or do people generally find living in Zurich so expensive, you have to watch what you do, where you shop etc.? Everything seem so much more, is it worth it? Sorry if these questions are so broad, but it's a big decision to up sticks, and move.

I read stories about people having dental work in Germany, or driving to France for supermarket shopping - seems like a lot of hassle, but understand if people HAVE to do these to save and make ends meet.

I look forward to your guidance. Thanking you in advance.

All the best.

Gary
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Old 15.05.2015, 22:56
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Re: Family Life in Zurich

Gazza, welcome.

On 150 you can support a family of 4 or 5 in Zurich. You cannot afford international school - this is about 30k per year per kid, but you can sometimes work it into the package.

Your wife may have issues adjusting, but there are enough mums groups around, and if she is EU and university qualified, she'll find a fabulous job too.

The kids will be fine.

Health insurance is manageable, and the 3rd kid is free with many insurers.

You may want to live outside the city, but if you are used to Munich inner city life, with the sproglettes, Zurich will be a "walk in the park/ by the lake.."

Everything is more expensive, but thats why we get paid the big bucks - to afford the expensive things. Quality of life... well... you can choose to spend a lot of a little. You can rent a place for 1500 a month in Baden, or 10,000 a month in Zurich. And everything in between.

People go to Germany and France because they want to (save a wee bit of cash), not because they have to!
Kindergarten & School give you 50CHF towards your dental visit - which coincidentally costs 50chf, if you dont want any extras.
The "extras" are detectable from your health insurance if you choose "option B" instead of "A". (Just an example)

Welcome to the forum.
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Old 15.05.2015, 23:02
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Re: Family Life in Zurich

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Hi All,

I am being interviewed for a job in Zurich paying between 150,000 - 190,000 CHF per year. I am married with two children under the ages of 4. We currently live in Munich, and it's obvious to say that living in Zurich, seems a lot more expensive, even with the lower taxes. Do things even out, or do people generally find living in Zurich so expensive, you have to watch what you do, where you shop etc.? Everything seem so much more, is it worth it? Sorry if these questions are so broad, but it's a big decision to up sticks, and move.

I read stories about people having dental work in Germany, or driving to France for supermarket shopping - seems like a lot of hassle, but understand if people HAVE to do these to save and make ends meet.

I look forward to your guidance. Thanking you in advance.

All the best.

Gary
This salary absolute shite, no way you can live on this in Zurich, suggest you stay where you are.
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Old 15.05.2015, 23:26
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Re: Family Life in Zurich

Expats is at least 250k...
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Old 16.05.2015, 00:23
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Re: Family Life in Zurich

Ignore the trolls OP. What was your salary in Munich so that a better comparison in lifestyle can take place?
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Old 16.05.2015, 00:46
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Re: Family Life in Zurich

Base 133K Euro. Cheers.
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Old 16.05.2015, 17:34
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Re: Family Life in Zurich

To be honest, the jump from your very good salary in Munich to a good salary in Zurich doesn't seem as drastic as it should be. The net salary/housing cost ratio seems to be actually higher in Zurich (more purchase power given the higher net salary) than Munich. This was based on my particular job/apartment search so I was comparing a net salary in Munich vs. a net salary in Zurich for my particular job (mileage will vary of course) and found that I would have to pay roughly 25% of my combined family salary on rent in Zurich, compared to roughly 33% in Munich.

For everything else, though, food, clothing, services (e.g., bike, car repair) and all the other things we forget about when budgeting, the net salary/purchase price ratio will be way higher in Munich.

Add to this the cost of child care in Zurich vs. (assuming public) child care in Munich, and your Munich situation starts to look more attractive...
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