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Old 24.04.2020, 11:33
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Find the balance between city and nature?(with baby)

Hi dear,

I'm looking for an apartment for our new born baby,but we don't have any idea where is the best place to live:

1.friendly to baby:with playground around and without steep hill(because of the stroller)

2.close to nature:my husband and me all like jogging,we would like to go jogging with the stroller.

3.Lower Tax area:we want to save some Tax for a bigger apartment

4.within 30 mins to zurich HB(including less than 10mins walking distance)

Do any one has good recommendation that could meet our requires?
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Old 24.04.2020, 11:48
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Re: Find the balance between city and nature?(with baby)

Lower tax area often means higher rent?

Good luck with the search
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Old 24.04.2020, 12:42
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Re: Find the balance between city and nature?(with baby)

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Hi dear,

I'm looking for an apartment for our new born baby,but we don't have any idea where is the best place to live:

1.friendly to baby:with playground around and without steep hill(because of the stroller)

2.close to nature:my husband and me all like jogging,we would like to go jogging with the stroller.

3.Lower Tax area:we want to save some Tax for a bigger apartment

4.within 30 mins to zurich HB(including less than 10mins walking distance)

Do any one has good recommendation that could meet our requires?
Close to nature by definition means you should look up pretty much all areas on the outskirts of the city. This also fits your metric of 30 mins to HB.

Regarding 3, Zurich already has one of the lowest taxes in the surroundings. Only golden coast and Zug can offer better option, but the gains in lower tax will be offset by higher rents. I was considering moving to Zollikon once, but rents there were some 10-20% higher than in Zurich which would wipe out all tax gains for me. Of course if you earned mid-six or seven digits than this would make sense for you.

Coming back to the original question, places in Zurich which are reasonably priced yet close to nature are:
Höngg (but it is pretty much a steep hill)
Altstetten and further in the direction of Schlieren/Urdorf/Birmensdorf (quite flat there, also Uetliberg and countryside are within walking distance)
Triemli - same as above, some elevated amount of COVID in the area due to the hospital tho
Stettbach/Dubendorf/Schwerzenbach - behind Zuriberg, very affordable area, lots of green and pretty flat. Stettbach has a direct S-bahn to HB, just 10 minutes.
Affoltern(ZH)/Regensdorf(ZH) - behind Hoenggerberg, also pretty flat and green. S6 brings you to HB in some 15 mins.

Outside Zurich:

Bremgarten am Reuss is pretty cute. It may be a bit too remote though (45 min to HB with a change. Direct bus to Sihlcity ca. 30 min)
Affoltern am Albis - direct train, 30 min to HB.
Lenzburg/Brugg/Baden - direct IR connection (20-25 mins), plenty of countryside, rents significantly lower than in ZH. Higher taxes in Aargau, though. Also, Baden is one big hillside, whereas Lenzburg and Brugg are more flat.

Last edited by LifeStrain; 24.04.2020 at 12:54.
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Old 24.04.2020, 14:20
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Re: Find the balance between city and nature?(with baby)

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Regarding 3, Zurich already has one of the lowest taxes in the surroundings. Only golden coast and Zug can offer better option, but the gains in lower tax will be offset by higher rents.
Not true- Schwyz has actually the lowest taxes. Wollerau, Bäch, Pfäffikon all fit the bill. Moving from ZH City there cut our taxes in half while the rents, especially in Pfäffikon are not or not much higher than in Zurich. I posted this at least 20 times on here as every single time somebody asks about the low tax places somebody who hasn’t actually lived there jumps in and claims that the rents are high. They are at the Gold Coast because it’s a desirable place to live, not because of the tax rate. Besides the rent level being similar to Zurich did I personally find it much easier to actually secure a place in Schwyz as the competition in the city for a nice flat is bad...
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Old 24.04.2020, 14:51
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Re: Find the balance between city and nature?(with baby)

The tax is one big chunk you pay, the other (apart from the rent) is the health insurance, the premiums in zurich are pretty high, so somewhere else you might be able to save something, that will offset the tax, that you will pay more then in zurich (city).
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Old 24.04.2020, 15:17
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Re: Find the balance between city and nature?(with baby)

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Hi dear,

I'm looking for an apartment for our new born baby,but we don't have any idea where is the best place to live:

1.friendly to baby:with playground around and without steep hill(because of the stroller)

2.close to nature:my husband and me all like jogging,we would like to go jogging with the stroller.

3.Lower Tax area:we want to save some Tax for a bigger apartment

4.within 30 mins to zurich HB(including less than 10mins walking distance)

Do any one has good recommendation that could meet our requires?
Just as a 2 cents drop, the area around Rhine/Glatt (Eglisau, Bülach, ...) has great nature, obviously, ok tax rates (slightly lower than Zürich city I think), and significantly cheaper health costs (possible monthly premiums of ~200). Direct train to Zürich HB is also ~30 minutes twice per hour.
But there are some slopes :<
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Old 24.04.2020, 15:32
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Re: Find the balance between city and nature?(with baby)

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Not true- Schwyz has actually the lowest taxes. Wollerau, Bäch, Pfäffikon all fit the bill. Moving from ZH City there cut our taxes in half while the rents, especially in Pfäffikon are not or not much higher than in Zurich. I posted this at least 20 times on here as every single time somebody asks about the low tax places somebody who hasn’t actually lived there jumps in and claims that the rents are high. They are at the Gold Coast because it’s a desirable place to live, not because of the tax rate. Besides the rent level being similar to Zurich did I personally find it much easier to actually secure a place in Schwyz as the competition in the city for a nice flat is bad...
Ditto. It‘s getting a bit boring to have to keep correcting this and it‘s normally the same people saying it and thanking them for saying it.

I‘d go further and say the rents are cheaper in Pfäffikon and the surrounding areas. It‘s also far enough down and round the lake that it‘s not in shadow like people say about closer to Zurich on that side. Plenty of nature and places to go jogging, cycling etc, as well as our own house mountain the Etzel and in the winter you are already closer to the ski slopes, if that interests you.
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Old 24.04.2020, 19:37
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Re: Find the balance between city and nature?(with baby)

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Not true- Schwyz has actually the lowest taxes. Wollerau, Bäch, Pfäffikon all fit the bill.
Wow, you opened my eyes. I buy a car and move to Küssnacht SZ. Seriously. I was actually hiking there last year and though "what a place, two lakes, Rigi and Pilatus at the doorstep, as well as all ski resorts and gottard pass to Italy"
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Old 25.04.2020, 14:18
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Re: Find the balance between city and nature?(with baby)

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Ditto. It‘s getting a bit boring to have to keep correcting this and it‘s normally the same people saying it and thanking them for saying it.

I‘d go further and say the rents are cheaper in Pfäffikon and the surrounding areas. It‘s also far enough down and round the lake that it‘s not in shadow like people say about closer to Zurich on that side. Plenty of nature and places to go jogging, cycling etc, as well as our own house mountain the Etzel and in the winter you are already closer to the ski slopes, if that interests you.
The Höfe are probably less tax-expensive for singles (subject to details), but a couple with kids is likely to fare better in Kanton Zug. And travel time from Zug and Baar to Zürich HB by train looks shorter, too. Rents - no idea.
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Old 25.04.2020, 15:17
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Re: Find the balance between city and nature?(with baby)

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Hi dear,

I'm looking for an apartment for our new born baby,but we don't have any idea where is the best place to live:

1.friendly to baby:with playground around and without steep hill(because of the stroller)

2.close to nature:my husband and me all like jogging,we would like to go jogging with the stroller.

3.Lower Tax area:we want to save some Tax for a bigger apartment

4.within 30 mins to zurich HB(including less than 10mins walking distance)

Do any one has good recommendation that could meet our requires?
I live in Greifensee, which is a 15-minute train ride to and from central Zurich, and it seems to fit all your criteria. There is a gorgeous lake here by the same name (Greifensee), and the lake has trails all around it for biking or walking and jogging (a paved trail as well as a stone trail) and also little swimming spots and fire pits, etc. all around the lake. It's a great lake for swimming (very clean) and there are no hills around here. It also has absolutely stunning sunsets, over the lake. There are also a lot of pools nearby which you can easily get to via foot or by bike. I wasn't sure about the taxes here, but just asked my husband, and he said that he's pretty sure they are a bit lower than average here.
The village of Greifensee has a really charming central area on the shore of the lake, with nice little cafes, etc. And the schools here are awesome. It's extremely safe and clean and wonderful for raising kids. It also has it's only little shopping complex, with two small-ish grocery stores, a pharmacy and and a post office, which is nice and easy to walk to. There are some large apartment complexes here -- all with playground areas for kids -- including many apartments that have private gardens.
Sorry to ramble so much. I just absolutely love it here. Feel free to send me a message if you have any questions or anything.
Hope you can find a lovely new home.
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Old 25.04.2020, 15:40
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Re: Find the balance between city and nature?(with baby)

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The Höfe are probably less tax-expensive for singles (subject to details), but a couple with kids is likely to fare better in Kanton Zug. And travel time from Zug and Baar to Zürich HB by train looks shorter, too. Rents - no idea.
I just put our joint income into the Homegate.ch tax comparator, made us married and added a couple of kids (no church tax) and Baar was 8% more tax. I seem to recall property being more expensive too. Train takes the same time to Zurich HB as from Pfäffikon. That’s not to say Baar isn’t a bad shout though.

ETA I just halved our income and in that case Baar would be 11% cheaper, but I don’t think that’s enough in absolute terms to make up for the higher rent.
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Old 25.04.2020, 22:38
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Re: Find the balance between city and nature?(with baby)

I prefer the official stuff , unfortunately it can't do 2019 yet (the one most people are about to or have filed recently).

Sure, with 500k you get taxed less in Höfe, but up to 250-300k you're taxed less in Zug.

Not sure why you say that train travel time to Zürich HB is the same from Pfäffikon SZ. With the connections I get shown (for June) Baar is 5mins faster by train, Zug 10mins, than Pfäffikon SZ. The schedule is reduced due to Covid-19, right now the differences may differ.
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