Cost of Living in Switzerland in 2025: Key Insights for International Students

Thinking of studying in Switzerland? You’re not alone! 

Known for its stunning landscapes, endearing culture, world-class education, and high quality of life, Switzerland is a dream destination for many international students. But let’s not sugarcoat it – the cost of living in Switzerland can be high, especially for students on a budget.

For this reason, here’s a blog by MSM Unify to help you understand the actual cost of living in Switzerland. From rent and groceries to health insurance and entertainment, you will find everything you need to know to manage your finances effectively while enjoying your Swiss adventure.

At MSM Unify, we have already helped over 1,86,000 students turn their overseas education dreams into reality. With access to 50,000+ programs across 1,500+ campuses in 21 destinations, we can help you prepare for your journey in Switzerland. So, dive in!

Cost of living in Switzerland for international students

The average cost of living in Switzerland for international students is between CHF 2,000 and CHF 3,500 on a monthly basis in 2025. This cost estimate includes accommodation, transportation, food, utilities, as well as personal expenses. Let’s break down these expenses further for better understanding.

Accommodation costs

Finding a place to live according to the budget is one of the biggest challenges for international students. Switzerland offers various housing options as shared below:

Location	Monthly rent (CHF) (approximate)
Central apartment (1BR)	CHF 1,700 – CHF 5,000
Suburban apartment (1BR)	CHF 900 – CHF 2,000
Shared student housing	CHF 450 – CHF 800

Pro tips for saving on rent:

• Choose shared or university-provided accommodations instead of private accommodations to reduce the rent amount significantly.
• Look for shared spaces away from major city centers for more affordable housing options.
• Split the rent with roommates to cut costs, including rent, utilities, food, etc.

Food and dining costs

Food expenses vary depending on whether you cook at home or eat out regularly. On average, students spend CHF 300 to CHF 500 per month on groceries to cook at home.

Food item	Approximate cost (CHF)
Milk (1 liter)	CHF 1.50
Bread (1 loaf)	CHF 2.80
Eggs (12)	CHF 5.00

If you prefer eating out, a meal at a mid-range restaurant costs around CHF 30 to CHF 35, while a quick fast-food combo costs CHF 13 to CHF 15 approximately.

Pro tips to save on food:

• Shop at budget-friendly supermarkets. You will find them in your vicinity for sure.
• Cook your meal at home along with your friends instead of dining out frequently.

Take advantage of student discounts at eateries; be on the lookout!

 

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Health insurance

In Switzerland, health insurance is mandatory for international students as well. For non-EU/EFTA students, monthly premiums start at CHF 65 and can go up to CHF 150, depending on the health insurance provider and coverage.

Pro tips on choosing the right plan:

• Compare different plans, and consider the deductibles and the range of coverage offered.
• Ask for student discounts from insurance providers; you might get lucky.
• Consult MSM Unify overseas education consultant to find the best plans for your needs and budget.

Transportation costs

Switzerland’s public transportation system is efficient and well-connected. Most students tend to spend around CHF 100 per month on transportation.

Mode	Cost (CHF)
Monthly travel pass	CHF 100
Taxi (short ride)	CHF 20
Train ticket (Second class)	CHF 50

Pro tips for saving on transport:

• Buy a monthly travel pass for unlimited rides across various places in Switzerland.
• Walk or bike for shorter distances. Also, note that you can carry your bike on Swiss trains for commuting in combination with the bike and Swiss train.
• Use student discounts for intercity travel, and explore the beautiful landscapes.

Utilities and internet

For utilities like water, electricity, heating, etc., you can expect to pay around CHF 150 per month. Adding WiFi can cost another CHF 85 monthly.

Pro tips to save money in this category:

• Share an apartment with roommates to split utilities and internet costs.
• Most importantly, turn off appliances when not in use to save energy.

Clothing and personal expenses

Clothing is relatively expensive in Switzerland. A pair of good-quality jeans costs around CHF 125, while branded sneakers can go up to CHF 145.

Smart shopping tips:

• Buy clothing during sales or from outlet stores and thrift shops; they are actually good!
• Use student discount cards for additional savings.

Entertainment and travel

Leisure activities like skiing, hiking, paragliding, or attending cultural events add to the Swiss experience.

Activity	Cost (CHF)
Movie ticket	CHF 20
Netflix subscription	CHF 12
Paragliding (one time)	CHF 170 – CHF 220
Skiing (Daily pass)	CHF 50 – CHF 150

Pro tips to save on entertainment:

• Opt for student deals on movie tickets and event passes.
• Explore Switzerland’s natural beauty through free hiking trails.
• For paragliding, go with your group of friends for better discounts.

 

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Key tips for managing expenses in Switzerland

Here are some essential tips for managing expenses in Switzerland as suggested by MSM Unify overseas education consultants.

1. Create a budget

Track your income (through paid internships/ part-time jobs ) and expenses through apps to avoid overspending.

2. Use student discounts

Always carry your student ID to access discounts on food, travel, and shopping, and have the best study abroad experience.

3. Cook more at home

Prepare your meals more at home to save money and ensure a healthy diet. Moreover, you can enjoy your regional meals, and every homesickness!

4. Get a monthly travel pass

The train connectivity across Switzerland is incredible. So, get a monthly travel pass to save travel costs and explore the country. Furthermore, reduce transportation costs by biking or sharing rides with friends.

5. Plan ahead 

Research accommodation and insurance options before arriving in Switzerland. Plan your budget in advance.

MSM Unify overseas education consultants can assist you with budgeting, finding affordable housing, and applying for scholarships to save money and garner wonderful experiences.

 

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Conclusion

Living in Switzerland as an international student requires careful financial planning, along with planning for your academic pursuits. From housing and food to health insurance and entertainment, understanding these costs will help you prepare better for your journey.

With MSM Unify, navigating these challenges becomes easier. Having supported over 1,86,000 students, MSM Unify is your trusted partner in achieving your education goals. Explore their resources and get bespoke guidance to make your Swiss dream come true!

 

FAQs

1. What is the average cost of living in Switzerland for international students in 2025?

The average cost of living in Switzerland for international students in 2025 is CHF 2,000 to CHF 3,500 per month, covering rent, food, utilities, and personal expenses.

2. How can I save money on accommodation in Switzerland?

You can save money on accommodation in Switzerland by opting for shared housing or university dormitories, which can cost as low as CHF 450 per month.

3. Do I need health insurance as an international student in Switzerland?

Yes, health insurance is mandatory for all residents, including international students in Switzerland. Monthly premiums typically range from CHF 65 to CHF 150.

4. What is the cost of public transportation for students?

A monthly travel pass in Switzerland costs around CHF 100, offering unlimited access to buses, trains, and trams. This is the best option to commute throughout the country without burning a hole in your pocket.

5. Is Switzerland suitable for Indian students despite its high living costs?

Yes, Switzerland offers unparalleled education quality and career opportunities in Switzerland. Proper planning and MSM Unify’s expertise can help Indian students manage their expenses effectively.