How Much Does It Cost to Live in Bern, Switzerland?

Bern is a small city located in Switzerland with a metropolitan area population of 130,015. A couple could live a moderate lifestyle in Bern on a budget of $4,557 per month, or $54,687 per year.

Cost of Living in Bern, Switzerland

As noted above, the cost of living in Bern, Switzerland is $4,557 per month for a couple living a moderate lifestyle. This budget consists of $2,269 for housing related costs, $948 for food, and $1,340 for other costs, all of which will be broken down below.

Housing

  • A one-bedroom apartment in the city center of Bern is estimated to cost $1,958
  • Basic utilities including electricity, water, and gas will run about $239
  • High-speed internet averages $72

Food

  • Typical grocery costs of $731 per month include things like bread, eggs, milk, cheese, rice, chicken breast, bottled water, fruits, and vegetables
  • Alcohol including beer and wine for moderate home consumption costs about $96
  • Frequent coffees in a neighborhood café are estimated to be about $122

Other

  • Meals out are estimated to be $817 per month, including 4 meals in mid-range restaurants and 8 in inexpensive restaurants
  • Transportation costs of $215 for public transport passes and occasional taxis
  • Fitness center memberships of $208
  • Cinema tickets of $101 include several outings for international releases

Note that Bern, Switzerland is a very walkable city with a Walk Score of 99/100, which means you won’t need a car if you are living in the city center and you may even save some money by not using public transportation and taxis very often.

Amount of Money Needed to Retire in Bern, Switzerland

Many people searching the internet for the cost of living in Bern, Switzerland are doing so to see if and when they can quit their jobs and retire. A popular and easy way to calculate your retirement number is using the 4% Rule.

The 4% Rule estimates that a person(s) could withdraw 4% of their retirement nest egg and never run out of money. Using this calculation, a couple would need an investment portfolio of $1,367,175 to live a moderate lifestyle in Bern, Switzerland.

Annual expenses of $54,687 ÷ 4% = $1,367,175 portfolio needed.

Of course, everyone’s financial situation is different, and the above calculation could change based on any other sources of passive income and social security income.

Summary

Overall, the cost of living in Bern, Switzerland is affordable coming in at $4,557 for a couple living a moderate lifestyle. Those seeking to retire could do so comfortably with a retirement portfolio of $1,367,175.