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Lucerne, Switzerland: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Lucerne | Expat Exchange
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Lucerne, Switzerland

By Betsy Burlingame

Last updated on Apr 07, 2024

Summary: Expats, digital nomads and retirees talk about what it is really like living in Lucerne, 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 Lucerne?

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

"Lucerne is a city in central Switzerland, known for its preserved medieval architecture and stunning views of snowcapped mountains on Lake Lucerne. The official language in Lucerne is German, but English is widely spoken, especially in the business sector. However, learning some basic German phrases would be beneficial for daily life. The cost of living in Lucerne is high, with housing, groceries, and dining out being more expensive than in many other European cities. It's important to budget accordingly and be prepared for these costs. Switzerland has a high standard of healthcare, and health insurance is mandatory for all residents, including expats. You should arrange for health insurance as soon as possible after your arrival. Public transportation in Lucerne is efficient and reliable, with a network of buses and trains that make it easy to get around the city and the surrounding region. Owning a car is not necessary for most people living in Lucerne. Swiss people value punctuality, so it's important to always be on time for appointments and meetings. They also value their privacy and may not be as open or friendly as people in other cultures, but they are generally polite and helpful. Switzerland has a high level of safety and low crime rate, but it's still important to take basic precautions to protect your personal safety and belongings. The Swiss are known for their love of outdoor activities, and Lucerne offers plenty of opportunities for hiking, skiing, and boating. It's a great place for people who enjoy an active lifestyle. Swiss cuisine is hearty and diverse, with influences from Germany, France, and Italy. Cheese and chocolate are two of the country's most famous products, and you'll find a wide variety of both in Lucerne. The Swiss education system is highly regarded, and there are several international schools in Lucerne for expat families. Switzerland has a high standard of environmental protection, and recycling is taken very seriously. Be prepared to sort your waste and follow the local recycling rules. Finally, it's important to understand that Switzerland is a neutral country with a strong tradition of peace and diplomacy. This is reflected in the Swiss way of life and their attitudes towards politics and international relations," said one expat in Lucerne.

How do I find a place to live in Lucerne?

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

"Finding a place to live in Lucerne 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 research the different neighborhoods in Lucerne to find one that suits your lifestyle and preferences. Some popular areas include the Old Town, which is full of historic charm, and the more modern and bustling district of Neustadt. Once you have a clear idea of what you're looking for, you can start your search. There are several online platforms that list available properties in Lucerne, such as Homegate, ImmoScout24, and Comparis. These websites allow you to filter results based on your preferences, such as location, size, price, and type of property. In addition to online listings, you can also contact local real estate agencies. They can provide you with more personalized assistance and may have access to properties that aren't listed online. When you find a property you're interested in, you'll need to arrange a viewing. This is an important step, as it allows you to assess the condition of the property and the surrounding area. If you decide to proceed with a property, you'll need to submit an application. This typically involves providing proof of income and references. In Switzerland, it's common for landlords to require a deposit, which is usually equivalent to one to three months' rent. Finally, if your application is successful, you'll sign a lease agreement. This document outlines the terms and conditions of your tenancy, so it's important to read it carefully. Once the lease is signed and the deposit is paid, you can move into your new home in Lucerne," remarked one expat living in Lucerne, Switzerland.

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

"A typical expat home or apartment in Lucerne, is often located in a quiet, residential area, surrounded by the city's stunning natural beauty. These homes are usually modern and well-maintained, with a blend of traditional Swiss architecture and contemporary design elements. The living spaces are generally spacious, with large windows that let in plenty of natural light and offer breathtaking views of the surrounding mountains and lakes. The apartments often feature open-plan living and dining areas, fully equipped kitchens with high-quality appliances, and comfortable bedrooms with ample storage space. Some homes may also have a balcony or a small garden, providing a private outdoor space for relaxation. The interiors are typically furnished with a mix of classic and modern pieces, creating a cozy and stylish living environment. High-speed internet, cable TV, and other essential utilities are usually included. Many expat homes in Lucerne are located within walking distance of local amenities such as shops, restaurants, and public transportation, making it convenient for daily living. Some may also have access to shared facilities like a gym, swimming pool, or a communal garden. Despite being in a foreign country, the homes are designed to provide a comfortable and familiar living environment for expats. They offer a peaceful retreat from the city's hustle and bustle, while still being close enough to enjoy all that Lucerne has to offer," remarked one expat who made the move to Lucerne.

What is the average cost of housing in Lucerne?

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

"The average cost of housing in Lucerne can vary greatly depending on the location and size of the property. For a one-bedroom apartment in the city center, you can expect to pay around 1,500 to 2,000 Swiss Francs per month. If you're looking for a three-bedroom apartment in the same area, the cost can increase to around 2,500 to 3,500 Swiss Francs per month. Outside the city center, the prices can drop significantly, with one-bedroom apartments costing around 1,200 to 1,500 Swiss Francs per month and three-bedroom apartments ranging from 2,000 to 2,500 Swiss Francs per month. Please note that these are estimated prices and actual costs may vary," said one expat who made the move to Lucerne.

What should I bring when moving to Lucerne?

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

"When moving to Lucerne, you should pack a variety of clothing to accommodate for the changing seasons, including warm clothing for the winter months and lighter clothing for the summer. Waterproof jackets and shoes are essential due to the frequent rain. Don't forget to pack your swimsuit for the summer months when you can swim in Lake Lucerne. Pack all your necessary documents such as passport, visa, work permit, and any other identification. Also, bring copies of your medical records and prescriptions, if necessary. If you're planning to work or study, bring any necessary materials related to your job or course. This might include textbooks, professional attire, or specific equipment. Remember to pack your electronics, including your laptop, phone, chargers, and adapters. Switzerland uses type J plugs, so you may need a converter. Pack personal items that will make your new place feel like home. This could include photos, favorite books, or small keepsakes. If you have a favorite brand of toiletries that might not be available in Switzerland, consider bringing a supply with you. Don't forget to pack any necessary items for your hobbies or pastimes. If you enjoy sports, for example, you might want to bring your equipment. Lastly, bring some Swiss Francs for immediate expenses upon arrival, although credit cards are widely accepted," wrote a member in Lucerne.

Where should I setup a bank account in Lucerne?

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

"Lucerne is a beautiful city known for its high quality of life, but it's important for expats to understand a few things before deciding to retire there. Firstly, the cost of living in Switzerland is quite high, including housing, healthcare, and everyday expenses. Switzerland has four official languages: German, French, Italian, and Romansh. In Lucerne, the most commonly spoken language is German, so it would be beneficial to learn some basic German phrases. Switzerland has a mandatory health insurance policy, known as LaMal (L'Assurance Maladie). Every resident in Switzerland is required to have health insurance, and you can choose from several insurance companies. Switzerland is known for its efficient and reliable public transportation system. Lucerne is no exception, with buses, trains, and boats that can take you anywhere you need to go. Switzerland has a high standard of healthcare. However, it's important to note that healthcare in Switzerland is expensive, and you will usually need to pay upfront and then be reimbursed by your insurance company. Swiss people value their privacy and personal space. They are generally reserved and formal, especially in their interactions with people they do not know well. Switzerland has a high level of safety and low crime rate. However, it's still important to take standard precautions to protect yourself and your belongings. Switzerland has a strong economy and stable political environment, which can be a draw for many retirees. However, it's important to understand the Swiss taxation system, which can be complex and varies depending on the canton. Switzerland is known for its outdoor activities, with plenty of opportunities for hiking, skiing, and boating. Lucerne, with its beautiful lake and proximity to the mountains, offers plenty of opportunities for outdoor recreation. Finally, it's important to understand the Swiss immigration process. To retire in Switzerland, you will need to apply for a residence permit, which can be a lengthy and complex process," wrote one member in Lucerne.

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

"Expats in Lucerne 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 admire 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, such as hiking and skiing, is also appreciated by expats who enjoy an active lifestyle. Many expats also value the local culture's respect for privacy and personal space, which allows them to integrate at their own pace. The Swiss tradition of direct democracy, where citizens can influence political decisions through referendums, is also admired by many expats. Lastly, the local culture's appreciation for quality, whether in food, goods or services, is something that many expats in Lucerne come to appreciate and enjoy," said one expat in Lucerne.

What do expats find most challenging?

"Expats in Lucerne often find the language barrier to be the most challenging aspect of the local culture. While many Swiss people speak English, the primary language in Lucerne is Swiss German, which can be difficult to learn and understand. Another challenge is the Swiss emphasis on punctuality and orderliness. This can be a difficult adjustment for expats from cultures where time is viewed more flexibly. The Swiss are also known for their reserved and private nature, which can make it difficult for expats to form social connections and feel integrated into the community. Additionally, the cost of living in Lucerne is very high, which can be a significant challenge for expats, particularly those from countries with a lower cost of living. Finally, the Swiss have a strong sense of tradition and local customs, which can be difficult for expats to navigate and understand. This can lead to feelings of isolation or misunderstanding," wrote a member in Lucerne.

Is there a lot of crime in Lucerne?

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

"Lucerne, is generally considered a safe city with a low crime rate. Like any city, it has occasional instances of petty crime such as pickpocketing or minor theft, particularly in tourist-heavy areas. However, violent crime is extremely rare. The local police force is efficient and responsive, contributing to the overall safety of the city. Residents and visitors alike often comment on the sense of security they feel while in Lucerne. The city's safety is one of the factors that make it a popular destination for tourists and expatriates," said one expat in Lucerne.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat 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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