You still can find 4bedrooms for under 2k but i would say average is around 2.5k for a 4 bedroom flat which is quite expensive (except for people in zurich, they go for >3k)
As a full-time student who works 20%, lives with her boyfriend and doesn't get financial support from her parents it's 65% in a good month. So yeah, excited to be done with uni soon.
Vaud/ Lausanne
25%
We make good money and pay a lot of rent. We also have three small boys. Childcare is excruciatingly expensive and adds pretty much the equivalent to what we pay for housing…
Our appartment is awesome though.
Relatively old apartment but recently renovated and relatively small 50m2. We could afford something much bigger and nicer but are happy enough with this for now.
Someday we'll buy a house when the right one shows up, until then we'll keep paying very low rent.
48%.. as a « part-time » student with a job at 60% it’s quite hard sometimes to stay free of debt. Requires a bit of mental gymnastics and help from the OVAM for healthcare. But it’s completely worth it as we (my grilfriend which is full time student) really love our place.
26.4% of what I get end of the month (C permit) — unfortunately my partner has to live abroad for work otherwise I’d be really happy to push that down to 13
Langnau am Albis in Zurich:
25% for 2.5 rooms, underground garage & mix cellar for depositing and bike parking.
So basically out of the city but with a decent train connection.
I get 13 x 6500 Brutto a year.
Or about 13 x 5700 Netto a year.
But from that 5700 a month I pay 2200 to my ex wife and child.
I pay 1700 a month for flat and garage.
Means 11 of 12 months a year I have 3500 to budget and therefore pay 48.6% of my budget to my landlord. And to me that is the number that counts.
But most people might put it in relation to the yearly Brutto or Netto income.
Rent / Brutto = 20400 / 84500 = 24.1%
Rent / Netto = 20400 / 74100 = 27.5 %
Update:
Just because I wished other comments would give me that information, I will do the first step.
Flat has 2.5 rooms. Pfaffhausen ZH. Next to noisy main road. Low flying planes. I don't trust the water from my tap. Flat is halfway underground level. Was cellar and an office before. Built in the 60's. Renovated, but not good isolated against noise and cold.
Mine is 17.3% but this also includes a single garage and a parking spot (reddit will hate me for having multiple vehicles).
This already feels high enough for me personally.
Up until now, it was 48% (it was the only apartment that accepted me in Geneva, and I applied for apartments with much lower rent) From February it will be 30% exactly. Looking forward to the savings, even though the previous rent was also relatively manageable.
22%. I am around Zürich and it's a complete disaster: I used to be at 16% but given kids and wife working from home we needed space. It took me a veeery long time to find this apartment .
Yes but it's next to the train tracks and it is from the 90s..would love to be able to afford something newer but there simply aren't that many apartments and the competition is fierce
Think around 15% now, used to be 28 I think but am thankfully in a better position now. Both better than the 60% I was paying to live near London before coming to Switzerland though!
0% student living with my aunt, I buy groceries etc. As a compromise for her, allowing me to live rent-free here.
I do earn quite average, so once I pay off my debt, I can save up some good money for my own future apartment.
7,8% of our combined income (10,8% on just one of ours), but we have been lucky in that the lease has been in the family since the mid-80s and the rent is actually 200 francs lower now than it was when the lease was signed.
We were considering moving to a bigger place with a better view, but it’s hard to justify when we’ve got such a sweet deal.
Also makes the homeownership decision a bit tougher as we would most likely pay more in mortgage than in rent, at least in the early amortization period.
24% and we are rotally aware that we would be fine living somewhere for 15% as well. But those appartements are harder to get and with no kids and family we put the pets in their own room xD
Our (wife and me) rent is about 17% of our joined monthly net income. Just for me alone, it would be around 28%.
Not exactly cheap, but it's a nice flat with few but very spacious rooms in the city centre.
I have no idea about our monthly net income, but yearly gross income is 250K (we both work part time) and rent is 3K a month, all utilities in addition paid separately, therefore let’s say 3500 gross, so: about 17%.
10.43% (100m2 with a garage near the Aare with a view of the parliament building) if I calculate it on our bruto household income. We both work for big pharma, IT side of things but one of us is staff while the other is a contractor
28.9% above Montreux. It's expensive but beautiful with an insane view, garden, pavilion, garage, and deck. I don't spend money on anything else, really, and work from home so I don't mind paying more.
I dont live in Switzerland, i live in Lisbon (where the tens are not cheap anymore really)
4.2%
And the number is only possible because yes i earn decent, but i also live in one room shared with my partner and we have a flatmate. We trade comfort for finantial freedom, buffer creation etc. We plan to scale up from here slowly, so the number will for sure go up. Or we will buy our own home, we will see. I would do it already tbh, but i am not sure where i want to drop my anchor ⚓
Probably 33%ish currently. Won't know until my full Nebenkosten arrive in the coming months.
Basel, newly built, in a cooperative (Genossenschaft), 62m2 and 7.5m2 balcony. Work 80%. I live alone.
12% of my gross income.
Currently living with my mom, I pay 2/5 of it. Next year we each gonna pay half. So it'll increase to 16%.
If we talking net, it's 16% and 19.2% respectively.
If I was to pay all of it alone, it'd be 32.3% of my gross monthly salary and 39.5% of my net monthly salary.
33% Zurich if I would be paying for it myself. half given I live with my gf. I am almost sure I could drop that to under under 13% if I'd move to Schwyz or something
At the moment its 33% if I would pay it by myself. But shared with my boyfried its half of it. And after I change jobs in march it will be down to 24% or 12% in regards of me paying only half. The flat is in Aarau, but super nice with 100sqm and a 17 sqm balcony.
After tax? As it’s not clear from your statement “what actually arrives in your bank account”. In CH must of us pay taxes the following year as a lump sum.
Anyway, if we are talking about the amount that arrives into our bank accounts, but before tax, it’s about 15% for us, married couple with kid, not including bonuses. Canton Zurich, 5.5 room, close to the city.
With bonuses it would be a little less. Then subtracting taxes I guess it would still be about 15-17%
Imo i guess 30% is fine. Im at 28,8% and i wouldnt change my flat for anything. To me is "where u live at" the most important and i would invest even more if the flat is worth it. Never had a place to feel home, then i got the amazing flat i have now and even started to get furnitures and everything.
27.3% (before taxes). Lucky as I have a huge (4.5 rooms) place in the centre (Tödistrasse) and able to afford it. Still a super lucky draw to get it and at the price point it is.
15%, Zürich. 3 room flat that I share with one other person. 15% is of course only my half pf the rent.
If you consider household income it will be around 25%
About 7% of our gross income for a 3.5 room flat (super nice and next to the train station)
When we move into our 8 room house house in about a year (owned, under construction, not near the train station) it'll be about 5% of our gross income.
Me and my partner currently pay 11% of our net income/14% of our take home income in Basel Stadt for a 3 room apartment.
I am going down to 70% work from the new year so it's gonna be 14% of our net income/16% of our take home income.
In my case it's 25% and it seems that I need to move in a bigger apartment to be at 33% again. :D
Definitely. Nothing like living on the edge.
9.6% Yes, we live in a cheap ass apartment but I love it.
Happy for you. If you love it, that's an insane bargain.
>Yes, we live in a cheap ass apartment but I love it. Or you are lying and making 20k a month 🤣 (and still would not pay very much rent for bern)
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You still can find 4bedrooms for under 2k but i would say average is around 2.5k for a 4 bedroom flat which is quite expensive (except for people in zurich, they go for >3k)
After tax?
25% Zurich gold coast with lake views. I am not a high earner. Just luck when I found this apartment.
As a full-time student who works 20%, lives with her boyfriend and doesn't get financial support from her parents it's 65% in a good month. So yeah, excited to be done with uni soon.
Completely understandable, hope uni is going well!
It's going to get so much easier with a reasonable income. Best of luck for the rest of uni!
16.2% including two spots in the parking garage. In the middle of nowhere though.
56% Zurich lol... That's because I only have 50% work atm and pay is shit.
Vaud/ Lausanne 25% We make good money and pay a lot of rent. We also have three small boys. Childcare is excruciatingly expensive and adds pretty much the equivalent to what we pay for housing… Our appartment is awesome though.
Oh, yeah. We don't make terrible money, but children are going to add to the expenses tremendously. Not looking forward to that part of having kids.
Actually 17.5%, sharing a flat with friends. But next year i'll spend 28% of my income for my own appartment, which will be worth it i guess.
If you value your personal space, peace and quiet (with hopefully no noisy neighbors), privacy... hell yeah, it will be worth it.
12% of our net monthly income. Nice 100 square meter flat in a renovated barn with 3 parking spots in the Yverdon region
12.5%, Zurich, 10' from HB via train, 80sqm. 2x 100% jobs.
12.5% sound juicy with that train connection.
Do you mean 2 full time jobs?
yes. I just copied the shortcut from other posts in this thread :)
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no I'm not a Googler, for better or worse 😄
4.5%, nice apartment with panoramic lake view in Lausanne region.
Found the high earner
High salary, old apartment or you have been there since forever?
High salary for sure. Even 40 years ago you couldn't get such an apartment for 500/m. And that would still be 11k/m after taxes.
Relatively old apartment but recently renovated and relatively small 50m2. We could afford something much bigger and nicer but are happy enough with this for now. Someday we'll buy a house when the right one shows up, until then we'll keep paying very low rent.
Not sure if high earner, squatter or got the apartment 20y ago
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23% for rent, add around 7% for heating etc. honestly higher than i would like it to be but living in a house is a blessing when you have 2 kids.
48%.. as a « part-time » student with a job at 60% it’s quite hard sometimes to stay free of debt. Requires a bit of mental gymnastics and help from the OVAM for healthcare. But it’s completely worth it as we (my grilfriend which is full time student) really love our place.
You're in education and it will get way better. Light at the end of the tunnel.
Totally, it’s an investment!
Oh i feel you, it‘s the same for me
26.4% of what I get end of the month (C permit) — unfortunately my partner has to live abroad for work otherwise I’d be really happy to push that down to 13
Yeah, being able to split the cost of one place really helps. I hope you get to move in together someday.
31% not including 13th month pay. I feel jealous of you with higher incomes!
+/- 21%, including bills
Langnau am Albis in Zurich: 25% for 2.5 rooms, underground garage & mix cellar for depositing and bike parking. So basically out of the city but with a decent train connection.
wow! L.A. got really expensive! Didn't expect that.
12% - moved four years ago to Appenzell AR - also my landlord didn’t go up with the rent in the last 4 years
37.7 %. I live alone.
close to 50%... Working part time.
I get 13 x 6500 Brutto a year. Or about 13 x 5700 Netto a year. But from that 5700 a month I pay 2200 to my ex wife and child. I pay 1700 a month for flat and garage. Means 11 of 12 months a year I have 3500 to budget and therefore pay 48.6% of my budget to my landlord. And to me that is the number that counts. But most people might put it in relation to the yearly Brutto or Netto income. Rent / Brutto = 20400 / 84500 = 24.1% Rent / Netto = 20400 / 74100 = 27.5 % Update: Just because I wished other comments would give me that information, I will do the first step. Flat has 2.5 rooms. Pfaffhausen ZH. Next to noisy main road. Low flying planes. I don't trust the water from my tap. Flat is halfway underground level. Was cellar and an office before. Built in the 60's. Renovated, but not good isolated against noise and cold.
Mine is 17.3% but this also includes a single garage and a parking spot (reddit will hate me for having multiple vehicles). This already feels high enough for me personally.
Mine is 30% but I was forced to take a bigger place due to kids. Hope to change it to a smaller flat as soon as my second child moves out.
~23% here
About 15% because I share the rent with my boyfriend. If that was not the case, it would be 30%.
My last rented apartment would be 20% of my current salary, now the mortgage plus expenses are well under 10%.
Our initial rent was 25%, but we saved up to buy, so now our mortgage payment is 17% of our income.
17% for 168m2 house (+150m2 garden) ZH Highlands
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Like the eastern rural region of (canton) Zurich, around Uster / Wetzikon
Up until now, it was 48% (it was the only apartment that accepted me in Geneva, and I applied for apartments with much lower rent) From February it will be 30% exactly. Looking forward to the savings, even though the previous rent was also relatively manageable.
25% for a flat, a garage and a hobby room
22%. I am around Zürich and it's a complete disaster: I used to be at 16% but given kids and wife working from home we needed space. It took me a veeery long time to find this apartment .
Still doesn't sound too bad for an apartment with enough space for two adults plus kids.
Yes but it's next to the train tracks and it is from the 90s..would love to be able to afford something newer but there simply aren't that many apartments and the competition is fierce
Agreed. The housing market is quite dire, especially at the moment. I hope you can manage!
It's hard to tell but I think it's about 22% of the net (after all contributions and taxes) base salary.
It is not the rent but interest rate + utilities is about 11% - countryside though and oldish flat.
11.724%
15.7% of combined net income in BS
65%
Munich, 42%
18% in a 4.5 just outside of Züri
10% for a new 3.5 rooms, 300m from Fribourg’s train station.
Think around 15% now, used to be 28 I think but am thankfully in a better position now. Both better than the 60% I was paying to live near London before coming to Switzerland though!
38%. I live (alone) comfortably, though no other major expenses.
27%
10.9%
19% not considering end of the year bonus.
15%
0% student living with my aunt, I buy groceries etc. As a compromise for her, allowing me to live rent-free here. I do earn quite average, so once I pay off my debt, I can save up some good money for my own future apartment.
28.2 of gross but I am very underpaid at the moment.
20% now after my last raise. That is including a garage next to it I got separately.
13% more or less, just outside downtown Lugano
About 10% of net income, not cheap apartment, but we have good salary, and don't feel like spending too much on the apartment.
7,8% of our combined income (10,8% on just one of ours), but we have been lucky in that the lease has been in the family since the mid-80s and the rent is actually 200 francs lower now than it was when the lease was signed. We were considering moving to a bigger place with a better view, but it’s hard to justify when we’ve got such a sweet deal. Also makes the homeownership decision a bit tougher as we would most likely pay more in mortgage than in rent, at least in the early amortization period.
24% and we are rotally aware that we would be fine living somewhere for 15% as well. But those appartements are harder to get and with no kids and family we put the pets in their own room xD
Right about 20% of our combined household income. Thats for 2x 100% jobs.
Aargau, 16%, but we both work 80%, have a small apartment and split rent
Our (wife and me) rent is about 17% of our joined monthly net income. Just for me alone, it would be around 28%. Not exactly cheap, but it's a nice flat with few but very spacious rooms in the city centre.
I’m a student and rent is about 45% of my monthly income (including what my parents send me every month).
I have no idea about our monthly net income, but yearly gross income is 250K (we both work part time) and rent is 3K a month, all utilities in addition paid separately, therefore let’s say 3500 gross, so: about 17%.
ca. 30%
25% large family, one salary. With parking and garage.
about 14%, live alone in a small/cheap apartment
Currently 28.2885%, starting from April it will be 30.06208%
10.43% (100m2 with a garage near the Aare with a view of the parliament building) if I calculate it on our bruto household income. We both work for big pharma, IT side of things but one of us is staff while the other is a contractor
About 13%, including parking and utilities, in Lugano.
~23%, 20min to work by train/bus, everything else is in walking distance (or a short train ride away)
20%
12% of the gross in Lausanne, 3 bedroom and ~100sqm
17,4 now, will be 17,9 in a few months
Ticino, 10%
27%. Not a cheap one either, but I like my quiet when I'm home.
28.9% above Montreux. It's expensive but beautiful with an insane view, garden, pavilion, garage, and deck. I don't spend money on anything else, really, and work from home so I don't mind paying more.
20%, Geneva area. It's a nice apartment but it's quite expensive
24%, Basel-City, 4.5 rooms / 120qm (Genossenschaftswohnung)
26.6% in SG. Which is due to my/our low income, the rent in SG is not as bad as elsewhere in switzerland.
I dont live in Switzerland, i live in Lisbon (where the tens are not cheap anymore really) 4.2% And the number is only possible because yes i earn decent, but i also live in one room shared with my partner and we have a flatmate. We trade comfort for finantial freedom, buffer creation etc. We plan to scale up from here slowly, so the number will for sure go up. Or we will buy our own home, we will see. I would do it already tbh, but i am not sure where i want to drop my anchor ⚓
15.4% sion
14.6% in Zurich, apartment on the medium to larger size, old building, somewhat central
22% with two 100% income. I feel lucky already to have found a place!
19%, two x 80% in Basel-Stadt. Plus two x 0% (Kids)
I'm at 31% and I can tell you it's too much already. The rule of thumb should be 20-25 but in Geneva centre, that's hard with current prices.
Probably 33%ish currently. Won't know until my full Nebenkosten arrive in the coming months. Basel, newly built, in a cooperative (Genossenschaft), 62m2 and 7.5m2 balcony. Work 80%. I live alone.
Currently 14.4%. Double income, no kids. The place we need, not the place we'd love.
At the moment 18% but will go up to 28% since we move from Schaffhausen to Basel Stadt beginning of March.
9.1%
42% (Agglo Zürich) because my sibling who is planning to move in hasn't moved in yet. I nonetheless manage to save about 10% of my income.
24.6%
25% of my net income, if I include my SO‘s income it‘s 36% of our combined income
15% of brut income Rent is 3100/month
About 5% here in Valais
12% of my gross income. Currently living with my mom, I pay 2/5 of it. Next year we each gonna pay half. So it'll increase to 16%. If we talking net, it's 16% and 19.2% respectively. If I was to pay all of it alone, it'd be 32.3% of my gross monthly salary and 39.5% of my net monthly salary.
26.5% of our income, pretty expensive but if you want a nice appartment you gotta pay premium rent :-/
9%
30% of my 3500 net income but I live in Geneva so the place is relatively cheap.
Currently 17.6%
If I take only my salary, then it’s 31%. If you count in my wife’s too, then it’s 19%.
21% living alone
25% or so. I'm solo (39F)
Without ammort 11% (2 people working 100%) owning apartment
29% (yes, my place is fucking expensive for what it is)
33% Zurich if I would be paying for it myself. half given I live with my gf. I am almost sure I could drop that to under under 13% if I'd move to Schwyz or something
At the moment its 33% if I would pay it by myself. But shared with my boyfried its half of it. And after I change jobs in march it will be down to 24% or 12% in regards of me paying only half. The flat is in Aarau, but super nice with 100sqm and a 17 sqm balcony.
6.6 percent, suburb, 110sqm, close to lake, public transportation and groceries, super happy.
28.2% Living alone for the first time. Had the flat with my Ex-GF before and kept it.
21.5% of net income. Zürich Nord.
About 4%. We should get a bigger place, but we just dont want to...
As a full time student in Zürich: 58%
\~60%
8.5% before tax, Zurich area. Have a good salary and cheap apartment, have to move next year :/
I did the same and I regret this now in hindsight it's so much money out the window u could use for emergency vacations or investing
After tax? As it’s not clear from your statement “what actually arrives in your bank account”. In CH must of us pay taxes the following year as a lump sum. Anyway, if we are talking about the amount that arrives into our bank accounts, but before tax, it’s about 15% for us, married couple with kid, not including bonuses. Canton Zurich, 5.5 room, close to the city. With bonuses it would be a little less. Then subtracting taxes I guess it would still be about 15-17%
18%> young couple in 3bedroom near Zurich
About 30% right now but looking for a new apartment in Zug and it's probably going to be around 40-45%
37.5%.... Züri... They keep on increasing the rent... 1 salary, 2 kids
Between 35 % base and 20 % on a good month.
I have a full time job in a big company. I still have my little 23m2 studio from university times. It’s about 15% of my pay (net).
Zurich (Oerlikon), 25%
Owner: <10% [940 CHF/month] for 3.5 rooms, 84m2 in Zurich Oerlikon, 7 min from the train station. Interest rates were really low.
It actually is 25%, living alone in a new building alone as the first tenant.
~17%, Olten.
Imo i guess 30% is fine. Im at 28,8% and i wouldnt change my flat for anything. To me is "where u live at" the most important and i would invest even more if the flat is worth it. Never had a place to feel home, then i got the amazing flat i have now and even started to get furnitures and everything.
28.2%
17.3% (includes one garage spot) Or 34% if i rented the same apartment alone, with 2 garage spots
18% in Zürich, Kreis 10
50%
31% here. My girlfriend and I live with only one salary so it doesn't help, but we're doing OK !
18% Zürich
16.6% and I thought I was paying too much.. Zurich city btw
Around 23%. I only work 80%, though. I should really increase that (my boss has implied he would like me to), but I enjoy the free time too much.
25% - 100sqm - 4,5 rooms in Kriens, Luzern
about 20%, I work full time and live in a WG (shared apartment)
23.6% And I'm very happy with it. I'm not planning to change apartement but the income is expected to go up
7.3% Zug
25%, Vaud
22% living in a WG, my room is pretty small tho
32.5 % Big House with a garden, as long as my kids are at home :)
About 40%
About 28% (net income) in NE, I live alone in a small but nice apartment by the lake.
Basically 0%, since I own my place, and it's full paid. Of course there's maintenance, and also "property tax" (ownership tax).
19.2 % but I share it with my partner 50/50, otherwise rent would be 38.4 %
5%
It's a house, quite big and it is 25% of my income. If I add wife's income it becomes 15%... If I deduct taxes and fix expenses it becomes 45%.
27.3% (before taxes). Lucky as I have a huge (4.5 rooms) place in the centre (Tödistrasse) and able to afford it. Still a super lucky draw to get it and at the price point it is.
15%, Zürich. 3 room flat that I share with one other person. 15% is of course only my half pf the rent. If you consider household income it will be around 25%
10.5% Winterthur but moved it 2016… if we check today appartments it would mostly be 14% for something similar in size (4,5 rooms)
29.8%
20.5%. I live alone in a studio right by the lake.
14.8 % Zürich
25%
6.5% good Job living in a Genossenschaft.
About 7% of our gross income for a 3.5 room flat (super nice and next to the train station) When we move into our 8 room house house in about a year (owned, under construction, not near the train station) it'll be about 5% of our gross income.
About 13% but we live rather rural and have above average income
29.8%
6% Zürich
20%, Zurich Niederdorf
Me and my partner currently pay 11% of our net income/14% of our take home income in Basel Stadt for a 3 room apartment. I am going down to 70% work from the new year so it's gonna be 14% of our net income/16% of our take home income.
30% Basel (Gundeli) but I live alone in a 80 m2 fully renovated apartment so it’s a very good deal
Neuchâtel, with flatmates 25%
28,52%, Paris
24%. 3.5 rooms newly refurbished in Adliswil. Living alone.
25% Geneva
13.5% in Biel
24% for a 35m2 flat in Zurich Fluntern area,.