Living in Zurich
Your comprehensive guide to Switzerland's economic powerhouse. Discover why Zurich consistently ranks among the world's most livable cities.
Introduction to Zurich
Zurich stands as Switzerland's economic powerhouse and largest city, serving as a global hub for banking, insurance, and innovation. While compact in size, Zurich consistently ranks among the world's most livable cities, offering an exceptional quality of life that combines urban sophistication with proximity to natural beauty.
For professionals and families relocating to Zurich, the city presents a unique blend of opportunities and challenges. With its efficient infrastructure, excellent healthcare, world-class education, and vibrant cultural scene, Zurich offers an exceptional living environment. However, navigating its competitive housing market, understanding the nuances of Swiss regulations, and adapting to local customs requires specialized knowledge and support.
Understanding Zurich's Districts
Zurich is divided into 12 districts (Kreis 1-12), each with its own distinct character and advantages. Understanding these neighborhoods is crucial for finding the right fit for your lifestyle and preferences.
Kreis 1 (City Center)
Character:
Historic old town (Altstadt) and financial district
Advantages:
Central location, shopping, restaurants, cultural attractions
Ideal for:
Singles and couples who prioritize urban lifestyle and minimal commute
Housing:
Primarily apartments, higher price point, historic buildings
Kreis 2 (Enge, Wollishofen)
Character:
Upscale residential area along the western lakeshore
Advantages:
Lake access, green spaces, excellent schools, good transport
Ideal for:
Families and executives seeking premium housing
Housing:
Mix of luxury apartments and single-family homes
Kreis 3 (Wiedikon)
Character:
Diverse, increasingly trendy area
Advantages:
Good value, central location, multicultural
Ideal for:
Young professionals and families seeking urban convenience with better value
Housing:
Varied options, from renovated older buildings to new developments
Kreis 4 (Langstrasse, Aussersihl)
Character:
Former industrial area, now vibrant and multicultural
Advantages:
Nightlife, cultural diversity, trendy restaurants
Ideal for:
Young professionals and creatives embracing urban living
Housing:
Primarily apartments, increasingly gentrified
Kreis 5 (Industriequartier)
Character:
Former industrial zone transformed into creative and cultural hub
Advantages:
Trendy atmosphere, cultural venues, innovative businesses
Ideal for:
Creative professionals and those seeking an alternative vibe
Housing:
Converted industrial spaces, modern apartments
Kreis 6 (Unterstrass, Oberstrass)
Character:
Residential area near the university
Advantages:
Proximity to university, good schools, quieter atmosphere
Ideal for:
Academics, families, and professionals seeking balance
Housing:
Mix of apartments and some single-family homes
Kreis 7 (Fluntern, Hottingen, Zürichberg)
Character:
Prestigious hillside residential area
Advantages:
Spectacular views, proximity to nature, exclusive atmosphere
Ideal for:
Executives and families seeking premium living
Housing:
Luxury apartments and villas, higher price point
Kreis 8 (Riesbach, Seefeld)
Character:
Upscale area along the eastern lakeshore
Advantages:
Lake access, parks, upscale shopping and dining
Ideal for:
Professionals and families seeking premium location
Housing:
Primarily upscale apartments
Kreis 9-12 (Outer Districts)
Character:
More residential, family-oriented areas
Advantages:
More space, better value, greener environment
Ideal for:
Families prioritizing space and value over central location
Housing:
Mix of apartments and houses, better value per square meter
Navigating Zurich's Housing Market
Zurich's housing market presents significant challenges for newcomers. Understanding these realities is crucial for a successful relocation.
Extremely Low Vacancy Rates
Often below 1%, making quality properties highly competitive
High Demand
Properties in desirable areas receive dozens of applications
Substantial Costs
Among the highest rental costs in Europe
Competitive Process
Landlords typically select tenants with local references and stable Swiss employment
How Prime Relocation Helps
Our certified expertise in Zurich's housing market provides crucial advantages:
Privileged Access to Listings
We receive property notifications before public listings
Professional Application Management
We prepare compelling applications that stand out
Landlord Relationships
Our established connections with property managers increase success rates
Neighborhood Expertise
We match your needs with the right location based on lifestyle, commute, and priorities
Negotiation Support
We secure the best possible terms for your lease
Typical Housing Costs (2025)
Additional Housing Considerations:
- • Utilities: Typically not included in rent (add 10-15%)
- • Deposits: Usually 2-3 months' rent
- • Furnishing: Most properties are unfurnished (including light fixtures and kitchen appliances)
- • Notice periods: Typically 3 months, with specific termination dates
Education Options in Zurich
Zurich offers excellent education options for relocating families, from high-quality public schools to prestigious international institutions.
Public Schools
High standard of education with instruction in Swiss German (written German). Free and based on residence location.
Consideration: Ideal for younger children who can adapt quickly to language immersion
International Schools
American/international curriculum and International Baccalaureate programs.
Schools:
- • Zurich International School (ZIS): American/international curriculum
- • Inter-Community School Zurich (ICS): International Baccalaureate program
- • Swiss International School (SIS): Bilingual education
Costs: CHF 25,000-35,000 per year
Consideration: Provides continuity for temporary assignments or older children
Bilingual Options
Good compromise between international curriculum and local integration.
Options:
- • Bilingual public school programs: Available in some districts
- • Private bilingual schools: Several options combining German with English or French
Consideration:
Higher Education
University of Zurich
Comprehensive university with programs in German and English
ETH Zurich
World-renowned technical university
ZHAW
Zurich University of Applied Sciences with practice-oriented programs
Immigration and Work Permits
The immigration process differs significantly depending on nationality. Understanding these differences is crucial for planning your move.
EU/EFTA Nationals
Process:
Relatively straightforward registration process
Timeline:
Usually 2-4 weeks
Requirements:
Valid employment contract, passport, proof of accommodation
Family:
Spouses and children can accompany with minimal requirements
Non-EU/EFTA Nationals
Process:
More complex work permit application
Timeline:
8-12 weeks (or longer)
Requirements:
Employer sponsorship, proof of qualification, demonstration that no suitable Swiss/EU candidate was available
Family:
Additional requirements for family reunification
Note: Subject to annual quota limitations
How Prime Relocation Helps
Permit Strategy
We determine the optimal permit category
Documentation Preparation
We ensure complete and accurate applications
Authority Relationships
Our established connections facilitate processing
Timeline Management
We coordinate with employers and authorities to prevent delays
Health Insurance and Healthcare
Mandatory Health Insurance
Switzerland requires all residents to obtain health insurance within three months of arrival. For expatriates relocating to Zurich, navigating the numerous providers and plans can be challenging.
Healthcare System
- Quality: World-class medical facilities and specialists
- Access: Comprehensive coverage with freedom to choose providers
- Language: Many medical professionals speak English
- Emergency care: Excellent emergency services (call 144)
Key Hospitals in Zurich
- • UniversitätsSpital Zürich: University hospital with comprehensive services
- • Klinik Hirslanden: Leading private hospital
- • Kinderspital Zürich: Specialized children's hospital
Banking and Finance
As a global financial center, Zurich offers sophisticated banking services with extensive experience serving international clients.
Banking Options
- • Major banks: UBS, Credit Suisse, Raiffeisen
- • Cantonal bank: Zürcher Kantonalbank (ZKB)
- • International banks: Various options catering to expatriates
- • Online banks: Increasingly popular alternatives
Account Setup
- • Requirements: Passport, residence permit, employment contract
- • Consideration: Some services require C permit or longer residency
- • Multi-currency accounts: Available and recommended for expatriates
Financial Considerations
- • Currency: Swiss Franc (CHF)
- • Taxation: Complex system with federal, cantonal, and municipal taxes
- • Cost of living: Among the highest globally, requiring careful budgeting
Transportation in Zurich
Zurich boasts one of the world's most efficient public transportation systems, making it easy to navigate the city and surrounding areas.
Public Transport Network
Comprehensive network of trams, buses, trains, and boats with integrated ZVV ticketing
Driving in Zurich
Congested during peak hours with limited and expensive parking in central areas
Cycling Infrastructure
Extensive bike lane network throughout the city with multiple sharing options
Daily Life and Integration
Shopping and Retail
- Major retailers: Migros, Coop, Manor, Globus
- Hours: Most stores close by 8 PM and remain closed on Sundays
- Specialty shops: Abundant for high-quality goods
- Markets: Weekly farmers' markets in various neighborhoods
Cultural Adaptation
- Languages: Swiss German dominates, but English is widely spoken in business
- Punctuality: Highly valued in all aspects of life
- Recycling: Comprehensive and mandatory system
- Noise regulations: Strict rules about quiet hours
Social Life and Recreation
- Outdoor activities: Abundant options for hiking, swimming, skiing
- Cultural venues: Museums, theaters, concert halls
- Seasonal events: Festivals throughout the year
- Expatriate communities: Active international groups and networks
Prime Relocation's Zurich Expertise
With over a decade of specialized experience in Zurich relocations, Prime Relocation offers comprehensive support for both corporate clients and individuals.
Neighborhood Knowledge
Detailed understanding of all 12 districts
Housing Market Advantages
Privileged access to listings before public availability
Administrative Connections
Established relationships with key authorities
Local Network
Vetted service providers for all relocation needs
Our Certifications
EuRA Global Quality Seal Plus
The highest level of certification from the European Relocation Association
EuRA Premium Member
Adherence to strict code of conduct and ethical business practices
Services for Corporate Clients
- Customized relocation solutions tailored to your company's needs
- Policy development for the Zurich market
- Cultural integration programs
- Privileged access to competitive housing market
- Specialized solutions for large-scale relocations
Services for Individuals
- Personalized orientation tours
- Access to properties before public market
- Expert guidance through permit processes
- Comprehensive support for all setup needs
- Continued support throughout your stay
Frequently Asked Questions
How far in advance should I start planning my relocation to Zurich?
We recommend beginning the process 3-6 months before your intended move date, particularly for non-EU nationals who require work permits.
What is the average time needed to find suitable housing in Zurich?
With professional support, expect 4-6 weeks. The timeline can extend to 2-3 months for specific requirements or during peak seasons.
Are there any neighborhoods particularly suitable for families with children?
Kreis 2, 6, 7, and parts of the outer districts (9-12) are especially family-friendly, offering good schools, green spaces, and family-oriented infrastructure.
How difficult is it to find pet-friendly housing in Zurich?
While not impossible, pet-friendly options are more limited and may require additional deposits. Our specialists can target pet-friendly properties.
What support does Prime Relocation provide after the initial move?
We offer ongoing assistance throughout your stay in Zurich, including lease renewals, utility management, and guidance for any relocation-related challenges that arise.
Make Zurich Your Home
Relocating to Zurich offers exceptional professional and lifestyle opportunities, but navigating its unique challenges requires specialized expertise. Prime Relocation's certified specialists combine deep local knowledge with personalized service to ensure a smooth transition to your new life in Zurich.
Whether you're a corporate HR professional managing employee relocations or an individual planning your move, our team is ready to provide the guidance and support you need for a successful relocation experience.
