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Old 01.05.2017, 11:07
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Moving out of ZRH City - Your experiences of the coasts

Hello all,


Having lived in the city for 10 years, I'm thinking of selling up and moving out a bit further down the lake, having driven around a bit I have to say I found both sides very nice, and despite the reputation of the Gold Coast, prices seem to be pretty similar on both shores now.


So who has moved out the city to Kilchberg/Rüschlikon/Oberrieden (places we'd like to go on the "Pfnüselküste" side versus anyone who has moved down the lake on the other side, anywhere from city to Meilen.


How much do you miss the city - is it really quick and easy to get in and out as you please?


Any idea why the prices on both sides seem to be moving towards parity?


Have a happy May Day!
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Old 01.05.2017, 12:19
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Re: Moving out of ZRH City - Your experiences of the coasts

We lived in Zurich Friesenberg for 5 years before moving to Pfäffikon nearly 3 years ago. Further out than you are looking at admittedly. All in all it was the right move for us. Pfäffikon gets a bit of stick for being a concrete jungle, but it's not all like that e.g. the castle and lakeside areas are very pretty and I never get bored of looking over the lake from our apartment on a sunny day.

Positives
  • Lower rental prices + much lower taxes = we went from 115m2 3.5 rooms to 180m2 with 50m2 terrace and full lake view 5 min walk from the station for about the same cost net of taxes. As pay has increased it's now cheaper!
  • Great train connections - 6 an hour into Zurich. Quickest is 25 mins to the HB, but there's also the St Gallen to Luzern express that passes through. That also stops in Rapperswil and Arth-Goldau to pick up the Lugano/Milan train. Also direct train to the airport starting at 04:30
  • Near the motorway (and half an hour closer to St Bernardino)
  • Closer to skiing, be it locally or the likes of Davos
  • Good shopping locally - Seedam centre has pretty much everything, plus Lidl nearby, decent Coop, butcher and cheesemonger in the village centre
  • Badi is nice if a bit crowded
  • Good walking and biking routes
  • Good driving roads nearby and closer to the mountain passes (quite a niche positive, I admit)

Negatives
  • Can't deny that the commute is longer, but 45 minutes door to door is ok for me
  • Missing the last train during the week is an issue that can be expensive to remedy. Only happened twice in 3 years though. Night trains run at the weekend
  • Local restaurants and takeaways are a little uninspiring. Having said that the Michelin starred restaurant at the Plaza is very good, but clearly not an every day option. On the other hand, I barbecue a hell of a lot now.
  • Having a decent pub nearby would be fantastic, but appreciate that there isn't the demand for it. On the flip side the quality of my wine and spirits collection has improved. There are a couple of ok bars, but they insist on serving Feldschlösschen
  • Further away from Germany, France and Romandie.
  • Despite the good train links, having a car or at least a mobility membership makes life a lot easier. As a petrolhead it isn't a negative to me, but could see how it could be if you are used to trams/buses/bikes/walking

Regarding gold coast vs sliver coast. Personally, I wouldn't want to live on the other side of the lake. We arguably get too much sun where we are - the terrace can get unbearably hot in the summer. I also like being on the main motorway and train networks and would miss that on the other side. I think other people are coming round to this way of thinking, hence the price equalisation. Also worth noting that while the gold coast is known for low taxes within the canton, Rüschlikon and Kilchberg are also among the lowest in the canton too.
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Old 01.05.2017, 12:47
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Re: Moving out of ZRH City - Your experiences of the coasts

This is a really thorough and excellent reply, many thanks.


Certainly food for thought there. My sunlight threshold (being a pasty ginger) aligns with your thinking, as long as it is warm, I will enjoy being outside and don't need to be in direct sunlight. My partner is more keen on the sunny side though


It seems that you have a direct train to the HB which only takes 25 minutes, that's not bad at all actually, but if you miss the train at night, i guess it is a bit of a killer Checking on Uber website, around 65chf for an UberPOP or 85 for an UberX...you don't want to make that mistake too often!


I think I will perhaps consider further afield after reading your points - just one Q, I understand the Zurich tax system (in terms of Steuerfüsse), gemeindes vary from 76-135% of the standard price (with ZH City at 119%), but the Steuerfuesse in SZ seem to work differently and have values at 250-450...how is that calculated?
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Old 01.05.2017, 13:49
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Re: Moving out of ZRH City - Your experiences of the coasts

The second page of the file below should help...

The 250 relates to the total paid at cantonal, regional and community level. It's always 170 to the canton. The canton is split into regions - there are essentially 1 and a half cheap regions Höfe which includes Pfäffikon, Wollerau and Schindellegi, and half of March (Altendorf and Lachen). Then there is the community taxes. All low in the Höfe communities, only low in Altendorf and Lachen in March. The federal is on top of that and obviously standardised across the country.

https://www.sz.ch/public/upload/asse...n_Internet.pdf

Easiest thing to do is use the Comparis or Homegate tax comparator to get an idea of how much you could save.
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Old 01.05.2017, 14:03
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Re: Moving out of ZRH City - Your experiences of the coasts

When I used comparis, it was WAAAY cheaper, even than the cheapest place in Zurich, like 20-25% cheaper than even Kilchberg. Wasn't sure if that could be right!
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Old 01.05.2017, 14:13
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Re: Moving out of ZRH City - Your experiences of the coasts

Yes, that sounds about right. The gap gets bigger the more you earn IIRC.

In case it's not clear Pfäffikon isn't it's own Gemeinde, it's part of Freienbach
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Old 02.05.2017, 14:00
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Re: Moving out of ZRH City - Your experiences of the coasts

Anybody else made the daunting move out of the city and happy with the decision, or regretted it?
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Old 02.05.2017, 14:36
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Re: Moving out of ZRH City - Your experiences of the coasts

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Anybody else made the daunting move out of the city and happy with the decision, or regretted it?
Just the coasts?
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Old 02.05.2017, 14:48
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Re: Moving out of ZRH City - Your experiences of the coasts

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Just the coasts?
Well, that is where I'd like to move to, but of course your insights into the other aspects of life outside the "big smoke" would be invaluable to hear too.
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Old 02.05.2017, 14:59
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Re: Moving out of ZRH City - Your experiences of the coasts

We lived 7 years in Zurich Altstetten (the good part of it, from Lindenplatz up the hill towards Uetliberg). During that time did we get married, a bit of work experience, some promotions and overall a bigger income as DINKs. We aren't exactly the party people who go clubbing every night, so I decided that the larger five digit sum we could save a year is probably worth it. We moved to Wollerau. Then we went to Asia for five years. When we returned did we move into the exact same house in Wollerau... I guess that tells you more than anything else - it's def worth it for us.

Do we miss living in the city? Yes, at times would I love to just jump on the next tram to go home within 10 minutes. But I cannot say that moving away has ever stopped me from going to any event.
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Old 02.05.2017, 16:05
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Re: Moving out of ZRH City - Your experiences of the coasts

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We lived 7 years in Zurich Altstetten (the good part of it, from Lindenplatz up the hill towards Uetliberg). During that time did we get married, a bit of work experience, some promotions and overall a bigger income as DINKs. We aren't exactly the party people who go clubbing every night, so I decided that the larger five digit sum we could save a year is probably worth it. We moved to Wollerau. Then we went to Asia for five years. When we returned did we move into the exact same house in Wollerau... I guess that tells you more than anything else - it's def worth it for us.

Do we miss living in the city? Yes, at times would I love to just jump on the next tram to go home within 10 minutes. But I cannot say that moving away has ever stopped me from going to any event.
How do you find your commute time? How easy is it getting home at night?
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Old 02.05.2017, 17:20
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Re: Moving out of ZRH City - Your experiences of the coasts

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How do you find your commute time? How easy is it getting home at night?
We use one car and I usually drop my wife off in central Zurich - so I am in the worst jam on the Sihlhochstrasse. That worst jam is in Zurich standards maybe on average 10 minutes and in bad days 20... which means wollerau to Paradeplatz is about 35-40 minutes on an average day. Going home in the evening is no problem at all.


What I don't get is people living in Wädenswil or Richterswil - you are less than 10 minutes away from Canton Schwyz, the rental costs are not that different... so if you move out of the city go all the way to the low cost canton.
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Old 02.05.2017, 18:24
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Re: Moving out of ZRH City - Your experiences of the coasts

Definitely a valid point there. There has to be a cut off point (I think in my mind Oberrieden) where the proximity to Zurich is outweighed by the tax benefits of going to an entirely cheaper Canton.
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Old 02.05.2017, 18:29
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Re: Moving out of ZRH City - Your experiences of the coasts

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What I don't get is people living in Wädenswil or Richterswil - you are less than 10 minutes away from Canton Schwyz, the rental costs are not that different... so if you move out of the city go all the way to the low cost canton.
maybe there could be some advantage of staying in the same kanton if you're going for the passport?
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Old 02.05.2017, 18:35
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Re: Moving out of ZRH City - Your experiences of the coasts

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maybe there could be some advantage of staying in the same kanton if you're going for the passport?
Dont know. But I wasn't limiting this remark to the expat population. I know there is a huge gap in real estate prices to BUY, but the rentals seem not too different. So I don't get anyone who rents in Richti... which is otherwise a lovely village.
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Old 02.05.2017, 18:37
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Re: Moving out of ZRH City - Your experiences of the coasts

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Definitely a valid point there. There has to be a cut off point (I think in my mind Oberrieden) where the proximity to Zurich is outweighed by the tax benefits of going to an entirely cheaper Canton.
I think I'd much prefer Thalwil over Oberrieden. Much better SBB connections as more S lines and the IR trains stop there... you can hardly beat 9 mins to Zurich HB even if you live in the city.
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Old 02.05.2017, 19:06
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Re: Moving out of ZRH City - Your experiences of the coasts

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Dont know. But I wasn't limiting this remark to the expat population. I know there is a huge gap in real estate prices to BUY, but the rentals seem not too different. So I don't get anyone who rents in Richti... which is otherwise a lovely village.
it's been a while since i was in richti, but given the large number of empty flats i saw, i guess maybe not so many rent there :P
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Old 02.05.2017, 21:11
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Re: Moving out of ZRH City - Your experiences of the coasts

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What I don't get is people living in Wädenswil or Richterswil - you are less than 10 minutes away from Canton Schwyz, the rental costs are not that different... so if you move out of the city go all the way to the low cost canton.

Perhaps some people think that Wadenswil and Richterswil are simply nicer places than Wollerau and Pfaffikon and for them, the place with the lowest taxes isn't at the top of their priority list?

Public transport to Wollerau from Zurich is another 15-20 minutes more per journey than Waedenswil.

Some people I know with kids actually put a limit on the time they are prepared to travel to work each way and if that limit means they get to Wadenswil then that's the furthest they'll look to rent.
Every five minutes extra is another five minutes that you won't spend with your kids if you are working.

With all due respect, you mentioned you didn't have kids and I suppose it's natural that you seem unable to grasp the fairly simple fact that there are other things in life than money alone.
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Old 02.05.2017, 21:54
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Re: Moving out of ZRH City - Your experiences of the coasts

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We use one car and I usually drop my wife off in central Zurich - so I am in the worst jam on the Sihlhochstrasse. That worst jam is in Zurich standards maybe on average 10 minutes and in bad days 20... which means wollerau to Paradeplatz is about 35-40 minutes on an average day. Going home in the evening is no problem at all.
I can't stomach the idea of paying CHF 350-600 for a parking space near work. We're starting to keep an eye on property to buy in the area and as much as Schindellegi and Wollerau are charming me, having an extra connection puts us off somewhat. Particularly as it complicates early morning runs to the airport for a 7am flight and getting home on the night service.

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What I don't get is people living in Wädenswil or Richterswil - you are less than 10 minutes away from Canton Schwyz, the rental costs are not that different... so if you move out of the city go all the way to the low cost canton.
Wädenswil, at least, feels like a proper small town, has lots of infrastructure, some of the best views down the lake and is better connected on the train axis (Zurich-Chur/S-Bahns + SOB) than any other station on the lake apart from Thalwil. I can see the attraction. Richterswil is nice enough, but I think I'd always be frustrated that I'm that close to the magic border.


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Dont know. But I wasn't limiting this remark to the expat population. I know there is a huge gap in real estate prices to BUY, but the rentals seem not too different. So I don't get anyone who rents in Richti... which is otherwise a lovely village.
As I said, we're starting to look to buy. We aren't ruling anywhere out from Enge down. I'm not so sure that there is actually such a big price difference in Schwyz vs. the Zurich towns on a like for like basis. What I do see in Schwyz (Höfe, Atendorf, Lachen) is a lack of houses which aren't 300-1000m2 villas or built on Baurecht land.
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Old 02.05.2017, 21:57
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Re: Moving out of ZRH City - Your experiences of the coasts

One of our boxes to be ticked at that time was that a covered swimming pool with a swim team should be within walking distance.
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