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Real Estate in St. Gallen, Switzerland | Digital Nomad Exchange
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Real Estate in St. Gallen, Switzerland

By Betsy Burlingame

Last updated on Jul 12, 2024

Summary: People living in St. Gallen, Switzerland offer advice about real estate. How do you find a home in St. Gallen? Should you buy or rent? What is the cost of housing?

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How do I find a place to live in St. Gallen?

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

"Finding a place to live in St. Gallen, involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from a single room in a shared apartment to a family-sized house. Next, you should start your search online. Websites like Homegate, ImmoScout24, and Comparis are popular real estate platforms in Switzerland where you can find listings for apartments, houses, and shared accommodations. You can filter your search based on your preferences such as location, price, size, and type of property. Another option is to check local newspapers and bulletin boards in supermarkets or community centers, as they often have listings for rental properties. You can also consider hiring a real estate agent to help you find a place to live. They can provide you with options that match your criteria, arrange viewings, and assist with the rental application process. Once you've found a place you're interested in, you'll need to submit an application. This typically involves providing proof of income, a copy of your passport or ID, and possibly a reference from a previous landlord. If your application is accepted, you'll then sign a rental agreement. Make sure to read it carefully and understand all the terms and conditions before signing. Finally, before moving in, you'll likely need to pay a security deposit and the first month's rent. It's also common in Switzerland to have a mandatory liability insurance, so make sure to arrange that as well. Remember, finding a place to live can take time, so start your search well in advance of when you plan to move," said one expat in St. Gallen.

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What is a typical expat home or apartment like in St. Gallen?

"A typical expat home or apartment in St. Gallen, is often located in a quiet, residential area, surrounded by beautiful Swiss landscapes. 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. Many apartments also come with a balcony or a small garden, offering stunning views of the city or the nearby mountains. The interiors are typically furnished with high-quality furniture and appliances, including a dishwasher, washing machine, and dryer. The homes are often well-insulated, with central heating for the colder months and large windows that let in plenty of natural light. Many expat homes in St. Gallen are located within walking distance of local amenities such as supermarkets, restaurants, and public transportation. Some are even close to international schools, making them ideal for families. Despite being in a city, many homes offer a sense of tranquility and privacy, thanks to Switzerland's strict noise regulations. Additionally, safety is rarely a concern in St. Gallen, as Switzerland is known for its low crime rates. In terms of cost, rental prices can vary greatly depending on the location, size, and amenities of the home. However, expats often find that the high quality of life, excellent public services, and beautiful surroundings make the cost worthwhile. In conclusion, a typical expat home in St. Gallen, Switzerland, offers a comfortable, modern living space in a safe and convenient location, surrounded by the natural beauty of the Swiss landscape," said one person in St. Gallen.

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What is the average cost of housing in St. Gallen?

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

"The average cost of housing in St. Gallen can vary greatly depending on the type and size of the property. For a one-bedroom apartment in the city center, the monthly rent can be around 1,000 to 1,500 Swiss Francs. For the same type of apartment outside the city center, the cost can drop to around 800 to 1,200 Swiss Francs. If you're looking at larger apartments, a three-bedroom in the city center can cost around 2,000 to 2,500 Swiss Francs per month, while the same outside the city center can cost around 1,500 to 2,000 Swiss Francs. If you're looking to buy property, the price per square meter in the city center can be around 7,000 to 10,000 Swiss Francs, and outside the city center, it can be around 5,000 to 7,000 Swiss Francs. These prices can fluctuate based on the exact location, the condition of the property, and the current market conditions," explained one person living in St. Gallen, Switzerland.

Should I buy or rent a home in St. Gallen?

If you have not spent a lot of time in St. Gallen, you should rent before even thinking about buying. We asked expats there about the buy vs. rent decision:

"The decision to buy or rent a home in St. Gallen, largely depends on your personal circumstances, financial situation, and long-term plans. If you plan to stay in St. Gallen for a long period, buying a home could be a good investment. Owning a home allows you to build equity over time and could provide financial stability in the future. However, buying a home also comes with significant upfront costs, including a down payment, closing costs, and maintenance expenses. It also requires a long-term commitment, as selling a home can take time and effort. On the other hand, renting a home in St. Gallen offers more flexibility. It's a good option if you're not sure how long you'll stay in the area or if you prefer not to deal with the responsibilities of homeownership. Renting can also be more affordable in the short term, as it doesn't require a large upfront investment. However, renting doesn't build equity and rental rates can increase over time. You also have less control over your living situation, as landlords can decide to sell the property or not renew your lease. In conclusion, both buying and renting a home in St. Gallen have their pros and cons. It's important to carefully consider your financial situation, lifestyle, and future plans before making a decision. Consulting with a real estate professional or financial advisor could also be beneficial," remarked one member in St. Gallen.

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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