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Bern, Switzerland: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Bern | Digital Nomad Exchange
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Bern, Switzerland

By Betsy Burlingame

Last updated on May 02, 2024

Summary: Expats, digital nomads and retirees talk about what it is really like living in Bern, Switzerland. They offer advice about meeting people, cost of living, finding a home and more.

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What do I need to know before moving to Bern?

When we asked people what advice they would give someone preparing to move to Bern, they said:

"Bern, the capital of Switzerland, is a city rich in history and culture, known for its high quality of life, cleanliness, and safety. Before moving to Bern, expats should know that the official language is German, specifically the Swiss German dialect, although English is widely spoken in business and by younger generations. The cost of living in Bern is high, with housing, healthcare, and general expenses being significantly more expensive than in many other countries. Switzerland has a mandatory health insurance policy, so expats will need to ensure they have adequate coverage. Public transportation in Bern is efficient and reliable, with a network of trams, buses, and trains, but it's also a very walkable city with a compact and well-preserved old town. Swiss people value punctuality, privacy, and respect for rules, so it's important to be aware of these cultural norms. The Swiss education system is highly regarded, with a range of public, private, and international schools available, although spaces can be limited and fees can be high. Switzerland has a high tax rate, but it varies depending on the canton, with Bern being one of the higher taxed areas. Swiss cuisine is diverse and delicious, with a strong emphasis on dairy products, and Bern is particularly known for its Emmental cheese. The climate in Bern is temperate, with warm summers and cold, snowy winters, so expats should be prepared for a range of weather conditions. Switzerland has a strong economy and low unemployment rate, but the job market is competitive and preference is often given to Swiss nationals. Finally, Switzerland is known for its outdoor lifestyle, with plenty of opportunities for hiking, skiing, and other outdoor activities, so expats should be prepared to embrace this aspect of Swiss life," wrote a member in Bern.

How do I find a place to live in Bern?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"Finding a place to live in Bern involves several steps. First, you need to determine your budget. This will help you narrow down your options and focus on areas that are affordable for you. Next, you should research different neighborhoods in Bern to find one that suits your lifestyle and preferences. Some factors to consider include proximity to work or school, availability of public transportation, safety, and the presence of amenities such as shops, restaurants, and parks. Once you have a neighborhood in mind, you can start looking for available properties. There are several online platforms where you can find listings for apartments and houses for rent or sale in Bern, such as Homegate, ImmoScout24, and Comparis. When you find a property you're interested in, contact the landlord or real estate agent to arrange a viewing. It's important to see the property in person before making a decision. During the viewing, ask questions about the property, such as the cost of utilities, rules about pets, and any maintenance issues. If you decide to proceed with the property, you'll need to fill out an application and provide references. In Switzerland, it's common for landlords to require a deposit, which is usually equivalent to one to three months' rent. Once your application is approved, you'll sign a lease agreement. Be sure to read the lease carefully and understand all the terms before signing. Finally, before moving in, it's a good idea to document the condition of the property with photos. This can help protect you from being held responsible for any damage that was present before you moved in. Remember, finding a place to live can take time, so it's best to start your search well in advance of when you plan to move," explained one expat living in Bern, Switzerland.

What is a typical expat home or apartment like in Bern?

"A typical expat home or apartment in Bern, is often located in a quiet, residential neighborhood, close to public transportation. These homes are usually modern and well-maintained, with a blend of traditional Swiss architecture and contemporary design. They often feature spacious living areas, fully equipped kitchens, and one to three bedrooms. Some apartments may also have a balcony or a small garden, offering views of the city or the surrounding mountains. The homes are usually furnished, but unfurnished options are also available. Amenities such as high-speed internet, laundry facilities, and parking spaces are typically included. Many expat homes are also located close to international schools, supermarkets, and recreational facilities," wrote a member in Bern.

What is the average cost of housing in Bern?

If you are thinking about moving to Bern, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The average cost of housing in Bern can vary greatly depending on the location and size of the property. For a one-bedroom apartment in the city center, the monthly rent can be around 1,200 to 1,500 Swiss Francs. If the same apartment is located outside the city center, the rent can drop to approximately 1,000 to 1,300 Swiss Francs. For larger apartments or houses, the cost can significantly increase. It's also important to note that buying property in Bern can be quite expensive, with the price per square meter in the city center being around 10,000 Swiss Francs," remarked one expat living in Bern, Switzerland.

What should I bring when moving to Bern?

People living in Bern were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Bern, you should pack a variety of clothing to accommodate for the country's four distinct seasons. This includes warm clothing for the winter months, such as thermal layers, sweaters, scarves, gloves, and a heavy coat. For the summer months, pack lightweight clothing, such as t-shirts, shorts, and swimwear. You should also pack sturdy, comfortable shoes for walking, as Bern is a pedestrian-friendly city. Rain gear, such as a waterproof jacket and umbrella, is also recommended due to the frequent rainfall in Switzerland. Don't forget to pack your important documents, such as your passport, visa, driver's license, and any necessary medical records. If you take prescription medication, bring an adequate supply along with a copy of your prescription. If you plan on cooking, consider packing some of your favorite non-perishable food items, as they may be difficult to find in Switzerland. Pack a universal power adapter for your electronics, as the plug type in Switzerland may be different from your home country. Lastly, consider packing personal items that will make your new place feel like home, such as photos, favorite books, or small keepsakes," said one expat who made the move to Bern.

Where should I setup a bank account in Bern?

We asked expats in Bern what banks they use and there advice about banking. They advised:

"Expats planning to retire in Bern, should be aware that the cost of living is high, with expenses such as housing, healthcare, and groceries being significantly more expensive than in other countries. They should also know that Switzerland has a mandatory health insurance policy, which means they will need to purchase health insurance regardless of their age or health status. Switzerland is known for its high quality of life and excellent healthcare system, but these come at a cost. Expats should also be aware that the official language in Bern is German, so it would be beneficial to learn the language to help with integration. Switzerland has a high level of safety and political stability, making it an attractive place for retirement. However, it's important to understand the Swiss tax system, which can be complex and varies depending on the canton. Switzerland has a bilateral agreement with the EU, which allows EU citizens to live and work in the country. However, non-EU citizens may find it more difficult to retire in Switzerland due to stricter immigration laws. The Swiss are known for their respect for privacy and punctuality, so it's important to adapt to these cultural norms. Lastly, Switzerland has a high environmental standard, with excellent public transportation and plenty of outdoor activities, making it an ideal location for retirees who enjoy an active lifestyle," explained one expat living in Bern, Switzerland.

What do expats in Bern appreciate most about the local culture?

"Expats in Bern often appreciate the cleanliness and orderliness of the city, which is a reflection of the local culture's emphasis on respect for public spaces. They also value the Swiss punctuality and efficiency, which is evident in the public transportation system and in business dealings. The local culture's emphasis on outdoor activities and healthy living is also appreciated, with ample opportunities for hiking, skiing, and cycling. Expats also often mention the high quality of life, including excellent healthcare and education systems. The local food and drink culture, particularly the cheese and chocolate, is another aspect that expats enjoy. Lastly, many expats appreciate the Swiss people's respect for privacy and their direct but polite communication style," explained one expat living in Bern, Switzerland.

What do expats find most challenging?

"Expats in Bern often find the language barrier to be the most challenging aspect of the local culture. Although English is widely spoken, the official language is Swiss German, which is quite different from standard German. Another challenge is the Swiss people's value for privacy and personal space, which can come off as cold or distant to newcomers. It can take time to form close relationships with locals. The Swiss are also known for their punctuality and strict adherence to rules, which can be difficult for expats from more relaxed cultures. The cost of living in Bern is also high, which can be a shock for expats, especially those from countries with a lower cost of living. Additionally, the Swiss are very environmentally conscious, and there are strict rules about recycling and waste disposal, which can be confusing for newcomers. Finally, the Swiss work culture is very professional and formal, which can be a challenge for expats used to a more casual work environment," commented one expat who made the move to Bern.

Is there a lot of crime in Bern?

We asked people if there is a lot of crime. They answered:

"Bern, the capital city of Switzerland, is generally considered to be a safe city with a low crime rate. Like any other city, it does have some crime, but it is typically minor and non-violent in nature, such as petty theft or vandalism. Violent crime is relatively rare, and the city has a strong police presence and effective law enforcement. The Swiss legal system is also known for its efficiency and fairness, which contributes to the overall safety of the city. However, it is always advisable for residents and visitors to take basic precautions to protect their personal safety and belongings," wrote a member in Bern.

About the Author

Betsy Burlingame Betsy Burlingame is one of the founders of Digital Nomad Exchange and the Founder and President of Expat Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange and Digital Nomad Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

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