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St. Gallen, Switzerland: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in St. Gallen | Expat Exchange
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St. Gallen, 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 St. Gallen, 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 St. Gallen?

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

"St. Gallen is a city in northeastern Switzerland known for its rich history, beautiful landscapes, and high quality of life. Before moving to St. Gallen, expats should be aware that the official language is German, and while many people speak English, it is beneficial to learn some basic German phrases. The cost of living in St. Gallen is high, as it is in most parts of Switzerland, so expats should be prepared for this. The city is known for its excellent public transportation system, so owning a car is not necessary. St. Gallen has a strong economy with a focus on services, especially in the financial and health sectors, and it is home to several multinational corporations. The job market is competitive, so it's advisable to secure employment before moving. The city has a high standard of education, with public, private, and international schools, as well as the University of St. Gallen, one of Europe's leading business schools. Healthcare in St. Gallen is of a high standard, but it's mandatory to have health insurance in Switzerland. Expats should ensure they have adequate coverage before moving. St. Gallen has a rich cultural scene, with numerous museums, galleries, and theaters, as well as the famous St. Gallen Abbey, a UNESCO World Heritage Site. The city also hosts several festivals throughout the year. Swiss people value their privacy and personal space, so it's important to respect this when interacting with locals. They also appreciate punctuality and directness, so it's important to be on time and straightforward in your communications. Switzerland has four distinct seasons, and St. Gallen is no exception. Winters can be cold and snowy, while summers are generally warm and sunny. Finally, it's important to note that Switzerland is not part of the European Union, so different rules may apply for visas and work permits. It's advisable to check the latest regulations before planning your move," wrote a member in St. Gallen.

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.

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 expat who made the move to St. Gallen.

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," said one expat who made the move to St. Gallen.

What should I bring when moving to St. Gallen?

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

"When moving to St. Gallen, 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 also essential due to the frequent rain. Don't forget to pack your important documents such as passport, visa, work permit, and any necessary medical records. It's also a good idea to bring copies of these documents. If you're planning on cooking, consider packing some of your favorite non-perishable food items, as they may be hard to find in Switzerland. Pack your electronics, but remember that Switzerland uses type J plugs, so you may need to bring adapters. If you're bringing any expensive items, make sure they are properly insured before you move. Bring any prescription medications you need, along with a copy of the prescription. Pack personal items that will make your new place feel like home, such as photos, decorations, or a favorite blanket or pillow. If you're moving with pets, don't forget to pack their essentials like food, toys, and bedding. Lastly, consider packing a Swiss-German phrasebook or dictionary to help you navigate your new surroundings," remarked one expat who made the move to St. Gallen.

Where should I setup a bank account in St. Gallen?

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

"Before retiring in St. Gallen, expats should know that the cost of living is high compared to other countries. They should also be aware that Switzerland has a mandatory health insurance policy, which can be quite expensive. Expats should understand that St. Gallen is a German-speaking city, so learning the language will be beneficial. However, English is also widely spoken. St. Gallen is known for its high quality of life, with excellent healthcare and public transportation systems. It is also a safe city with a low crime rate. Switzerland has a high standard of education, and St. Gallen is home to one of the country's top universities. This could be a factor if retirees are considering further education or have family members who will be attending school. The Swiss tax system is complex and varies from canton to canton, so it's advisable to seek professional advice before moving. 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 obtain a residence permit. St. Gallen has a temperate climate, with warm summers and cold winters. It's also located near the Swiss Alps, which offers opportunities for outdoor activities. Swiss cuisine is diverse and influenced by its neighboring countries. St. Gallen is particularly known for its sausages and breads. Finally, expats should be aware that Swiss people value punctuality and respect for rules and regulations. Understanding and adapting to these cultural norms will help ensure a smooth transition," remarked one expat living in St. Gallen, Switzerland.

What do expats in St. Gallen appreciate most about the local culture?

"Expats in St. Gallen often appreciate the city's rich history and well-preserved architecture, which includes the Abbey of Saint Gall, a UNESCO World Heritage Site. They also value the local culture's emphasis on punctuality, efficiency, and cleanliness, which is reflected in the city's well-maintained public spaces and reliable public transportation. The locals' respect for privacy and personal space is another aspect that expats appreciate, as it allows them to integrate at their own pace. Additionally, expats enjoy the city's vibrant arts scene, which includes numerous museums, galleries, and music festivals. The local cuisine, particularly the traditional Swiss dishes and world-renowned chocolates and cheeses, is another highlight for many expats. Lastly, the city's location in the heart of Europe makes it easy for expats to travel and explore other European destinations," remarked one expat living in St. Gallen, Switzerland.

What do expats find most challenging?

"Expats in St. Gallen often find the local language to be a significant challenge. The local dialect, Swiss German, is quite different from standard German and can be difficult to understand and learn. Another challenge is the Swiss culture of privacy and reserve. Swiss people are known for being somewhat reserved and private, which can make it difficult for expats to make friends and feel integrated into the community. The cost of living in Switzerland is also high, which can be a shock for many expats. Everything from groceries to rent can be significantly more expensive than in other countries. Additionally, the Swiss are known for their punctuality and adherence to rules, which can be a challenge for expats from more relaxed cultures. Finally, the Swiss work culture can also be a challenge. The Swiss tend to separate their work and personal lives, and the workday can be long and intense. This can be a difficult adjustment for expats used to a more balanced lifestyle," said one expat in St. Gallen.

Is there a lot of crime in St. Gallen?

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

"St. Gallen, generally has a low crime rate, similar to many other Swiss cities. The city is known for its safety and security, with violent crimes being particularly rare. Petty crimes such as pickpocketing or minor theft can occur, especially in crowded areas, but they are not common. The local police force is efficient and responsive, contributing to the overall safety of the city. However, like any other city, it is always advised for residents and visitors to take basic precautions to protect their personal safety and belongings," said one expat who made the move to St. Gallen.

What are the schools in St. Gallen like?

"1. The International School Rheintal (ISR) is a highly reputable international school located near St. Gallen, in Buchs, Switzerland. The school offers the International Baccalaureate (IB) program for students aged 3 to 18 years. The curriculum is taught in English, with German language classes also provided. The school is known for its small class sizes, which allows for personalized attention for each student. More information can be found on their website: [https://www.isr.ch/](https://www.isr.ch/) 2. The Swiss School St. Gallen is a bilingual school that offers a Swiss curriculum taught in both German and English. The school caters to students from kindergarten to secondary school. The school is known for its emphasis on individual learning and its commitment to fostering a multicultural environment. More information can be found on their website: [https://www.swiss-school.sg/en/](https://www.swiss-school.sg/en/) 3. The Institut auf dem Rosenberg is a prestigious international boarding school located in St. Gallen. The school offers a variety of curricula, including the American High School Diploma, British IGCSE and A-levels, and the International Baccalaureate (IB) Diploma. The school is known for its emphasis on personalized learning and its wide range of extracurricular activities. More information can be found on their website: [https://www.instrosenberg.ch/](https://www.instrosenberg.ch/) 4. The Montessori School St. Gallen is a bilingual school that offers a Montessori curriculum taught in both German and English. The school caters to students from ages 3 to 12. The school is known for its emphasis on individual learning and its commitment to fostering a nurturing and inclusive environment. More information can be found on their website: [https://www.montessori-sg.ch/](https://www.montessori-sg.ch/)," said one expat in St. Gallen with children at .

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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