Cost Of Living in Geneve 2025

Average monthly spending for singles, couples, students, and families in Geneve
Whether you're living in Geneve or planning to move there, it is very important to know the cost of living and the prices of things. Here we list the average spending for the four main population groups.
Average Monthly Expenditure
Currency: CHF

Monthly Expenditure ▶ Single
Currency: CHF

Monthly Expenditure ▶ Couple
Currency: CHF

Monthly Expenditure ▶ Family
Currency: CHF

Monthly Expenditure ▶ Student
Currency: CHF
The figures displayed here are inclusive of everything: housing, travel, groceries, healthcare, etc.
Singles
The average monthly expense for a single person living in Geneve is 5,500 CHF. Expenses can range from 790 CHF at the minimum level to 61,000 CHF at the highest end.
Couples
The average monthly spending of couples in Geneve is 8,100 CHF. Expenditure can range from 1,300 CHF to 75,000 CHF per month.
Families
The average cost of living for families in Geneve is 9,600 CHF per month. Families spend anywhere from 1,900 CHF to 96,000 CHF.
Students
The average monthly expenditure for students in Geneve is 3,900 CHF. Students spend from 600 CHF to 43,000 CHF per month.
Spending behavior can change drastically from one person to another. It is best to consider the minimum, average, and maximum spending together.

Financial goals of people in Geneve
In an attempt to understand the economic situation in Geneve, we asked participants about their financial targets. By knowing what the population in general is trying to achieve, we can shed light on the economic outlook, cost of living, and quality of life in general.
Financial Goal | % People |
---|
Emergency Fund | 6% |
Debt Reduction | 31% |
Retirement Savings | 7% |
Education Funding | 9% |
Homeownership | 16% |
Investing | 9% |
Travel or Lifestyle | 12% |
Healthcare Expenses | 8% |
Financial Independence | 9% |
Around 6% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 31% said their number one priority is to pay off high-interest debt or loans and improve credit. 7% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 9% reported that their priority is saving for the tuition fees and education costs of their children while 16% choose to buy a home or pay off existing mortgage before other things. 9% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 12% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 8% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.
Expenditure to Income Ratio in Geneve
One of the most definite ways to determine how affordable a place is measuring the ratio of expenses to salary. A high expense-to-income to ratio indicates a high cost-of-living index while a low expenditure-to-salary ratio means the place is affordable to live in.

Spending to Income Ratio
89%
78% to 100%
( expenditure / income ) x 100
Expense to income distribution levels
Spending To Income Ratio | % People |
---|
< 50% | 6% |
50% - 60% | 12% |
60% - 70% | 19% |
70% - 80% | 27% |
80% - 90% | 15% |
90% - 100% | 9% |
100% - 110% | 5% |
110% - 120% | 3% |
120% - 130% | 2% |
130% - 140% | 2% |
> 140% | 1% |
Interpretation and Analysis
The average spending-to-salary ratio in Geneve is 89%
This means that on average, people spend around 89% of their income for living.
According to the distribution table, 19% of the population spend approximately 60% to 70% of their income every month.
How can spending be more than income?
A value higher than 100% means that the expenditure of those people is higher than their income. They are spending more than what they earn. This is possible in two scenarios. They are either borrowing from their savings to survive or they are borrowing from other sources (relatives, friends, banks, etc.). More about this in the debt section.
Individual
82%
Spending-Income-Ratio
72%
92%
Couple
88%
Spending-Income-Ratio
77%
99%
Family
92%
Spending-Income-Ratio
81%
100%

How do people spend their money in Geneve?
We asked thousands of people about their spending habits and expenditure breaks. Below are their answers.
The percentage figures in this section are percentages of total spending not income. If you would like to see the percentage of expenses as related to income or salary, see other sections.
Housing Expenditure27%
27% of total expenses on average (16% to 35%)
LOW | $200 180 CHF |
AVERAGE | $2,000 1,800 CHF |
HIGH | $31,000 27,000 CHF |
| Per Month |
People living in Geneve typically spend from 16% to 35% of their total monthly expenditure on housing with 27% being the average. The average spend on housing is 1,800 CHF with expenditure ranging from 180 CHF to 27,000 CHF. This cost mainly goes for rent but it also includes other accommodation-related expenses. Housing costs are highest for families and lowest for students as expected.
Utilities, Electricity, Water, Internet, Mobile6%
6% of total expenses on average (3% to 10%)
LOW | $31 27 CHF |
AVERAGE | $310 270 CHF |
HIGH | $4,600 4,100 CHF |
| Per Month |
Utility expenditure like electricity, water, and gas in Geneve ranges from 3% to 10% of total expenses with 6% being the average. The average monthly cost of utilities is 270 CHF with 27 CHF and 4,100 CHF being the upper and lower limits.
Transport, Fuel, Commute9%
9% of total expenses on average (4% to 13%)
LOW | $66 58 CHF |
AVERAGE | $660 580 CHF |
HIGH | $9,800 8,700 CHF |
| Per Month |
Fuel consumption and cost of transport depend heavily on whether you live near your work or school, but roughly speaking you would expect to spend from 58 CHF to 8,700 CHF on commuting with 580 CHF being the norm for most people in one month. This means that money spent on transport constitutes about 9% of total spending on average but can go as low as 4% or as high as 13%.
Food and Groceries Cost26%
26% of total expenses on average (18% to 32%)
LOW | $160 140 CHF |
AVERAGE | $1,600 1,400 CHF |
HIGH | $24,000 21,000 CHF |
| Per Month |
The average outlay on groceries in a month in Geneve is 1,400 CHF. The cost of groceries can range between 140 CHF to 21,000 CHF. People spend on average about 26% on food and groceries with upper and lower bounds of 18% and 32% respectively.
Healthcare and Medical Services8%
8% of total expenses on average (3% to 11%)
LOW | $41 36 CHF |
AVERAGE | $410 360 CHF |
HIGH | $6,100 5,400 CHF |
| Per Month |
People in Geneve allocate 3% to 11% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 8%. The range of medical expenses range from 36 CHF to 5,400 CHF with 360 CHF being the norm.
Leisure and Shopping6%
6% of total expenses on average (3% to 10%)
LOW | $26 23 CHF |
AVERAGE | $260 230 CHF |
HIGH | $3,900 3,400 CHF |
| Per Month |
This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 23 CHF to 3,400 CHF with 230 CHF being the average. Speaking of percentages, that equates to 3% to 10% of total expenses with an average of 6% for most residents.
Education and Schooling6%
6% of total expenses on average (4% to 12%)
LOW | $39 34 CHF |
AVERAGE | $390 340 CHF |
HIGH | $5,800 5,100 CHF |
| Per Month |
Spending on education can vary drastically between different people. While working singles can spend 0% on education, families and students' expenditure can reach up to 22%. On average, education constitutes 6% of the monthly expenditure with 4% and 12% being the lower and upper bounds respectively. The average reported education cost is 340 CHF per month with 34 CHF being the minimum spent amount and 5,100 CHF being the maximum.
Other Expenses12%
12% of total expenses on average (7% to 19%)
LOW | $87 77 CHF |
AVERAGE | $870 770 CHF |
HIGH | $13,000 12,000 CHF |
| Per Month |

Debt, loans, and mortgages in Geneve
Percentage of people who are in debt
According to the survey, 20% of the people in Geneve have some kind of debt, loan, mortgage, or credit card payments while 80% reported that they don't have financial obligations to banks.

Debt-to-income ratio in Geneve
Debt to income ratio
25%
15% to 35%
( monthly debt payment / monthly income ) x 100
Interpretation
The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 25% of the people's monthly income in Geneve goes to debt settlement.
Debt levels23>Monthly debt settlement payment as percentage of monthly income
Debt-to-income ratio | % People |
> 60% | 3% |
50% - 60% | 10% |
40% - 50% | 11% |
30% - 40% | 13% |
20% - 30% | 16% |
10% - 20% | 20% |
0% - 10% | 28% |
According to our data, 3% of the debtors in Geneve pay 60%+ of their income as debt settlement while 10% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 11% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 13% dedicated 30% to 40% of income for same. Things are looking brighter for 16% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.
Distribution by type of debt in Geneve
Debt | % People |
Real Estate Mortgage | 14% |
Auto Loan | 24% |
Student Loan | 3% |
Credit Card | 24% |
Personal Loan | 35% |
14% of debtors in Geneve confirm that real estate mortgages constitutes the main part of their outstanding debt while 24% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 24% of people and personal loans rose at 35%. Lastly, student loans are the main source of debt for 3% of debtors in Geneve.
About credit score and debt managementManaging debt is a critical aspect of maintaining a favorable credit score. Debt reduction is the first thing you should do improve your financial situation. Getting rid of debt takes precedence over saving money because of interest rates.
Good debt vs. Bad debt
Not all debt is bad. Good debt typically refers to borrowing money for investments that can increase in value or generate income over time like purchasing a home or acquiring student loans. On the other hand, bad debt involves borrowing for things that fail to generate lasting value like high-interest credit card debt used for non-essential expenses like luxury items or vacations.
Loan Affordability Index in Geneve
Besides measuring the loan-to-income ratio, we asked residents how many times in a year they defaulted or were unable to pay their due credit card or loan payments on time. Understanding how often people default on their due payments is one of the indicators of the cost of living and economic situation.
Frequency and percentage of people who failed to pay their monthly credit card or loan payments on time last year.
Frequency | % People |
Never | 56% |
Once a year | 22% |
Twice a year | 11% |
Three times a year | 8% |
Four times a year | 4% |

Affordable living in Geneve
Income and cost of living compatibility
We asked residents one simple question and recorded their answers.
Is it affordable or economical to live in Geneve?
Around 85% of surveyed residents think that living in Geneve is affordable with proper budgeting while 15% reported that it is just too expensive and not affordable even with frugality and thriftness.
Monthly costs and expenses of energy and basic utilities in Geneve
Utilities expenditure can vary slightly between different areas and locations.
Energy, electricity, water, gas, internet, and mobile cost in Geneve
Utility Bill Cost / Electricity + Water + Gas / Individual
Utility Bill Cost / Electricity + Water + Gas / Couple
Utility Bill Cost / Electricity + Water + Gas / Family
Internet and cable cost
Mobile phone bill and charges
Because most utility bills club electricity, water, and gas costs in one bill, we can't provide a breakup for each type of utility and will display electricity, gas, and water as single cost.
The average monthly expenditure for individuals on electricty, water, and gas in Geneve ranges between 42 CHF and 3,300 CHF with average being 300 CHF, meanwhile the expenditure of couples is slightly higher at 320 CHF with 44 CHF and 3,600 CHF being the upper and lower limits respectively. As expected, the energy and water consumption of families is the highest among the three groups with an average of 410 CHF. The cost of internet and WiFi is unchanged among the three groups and ranges from 40 CHF to 110 CHF with 80 CHF being the average internet bill. Finally, the average monthly mobile charges is around 45 CHF but can range between 27 CHF and 140 CHF depending on consumption. Mobile charges include both calling minutes as well as data packages.
Energy / Utility expense to income ratio
( monthly utility expenses / monthly income ) x 100
The average utility-to-income ratio in Geneve is around 4.6%. This means that people pay 4.6% of their income for energy, water, internet, and mobile charges. Those figures can range from 1.1% to 9.1% depending on salary and location.

Typical saving choices for people in Geneve
Where do people choose to put their savings?
Saving Type | % People |
---|
Emergency Funds | 10% |
Gold | 9% |
Savings Accounts | 17% |
Retirement Accounts | 12% |
Cash Savings | 15% |
Real Estate | 10% |
Investment | 6% |
Stocks | 6% |
Bonds | 7% |
Mutual Funds | 3% |
Certificates of Deposit | 3% |

A typical and healthy budgeting structure
The 50/30/20 rule
Spending among different people can vary significantly based on factors such as their income, lifestyle,
location, and personal preferences. A commonly used guideline for budgeting is the 50/30/20 rule,
which suggests allocating your income into three main categories in the following percentages.
50% for needs and financial obligations
This category includes essential expenses like housing, utilities, groceries, transportation, and healthcare.
30% for wants and discretionary spending
This category covers discretionary spending on non-essential items, such as dining out, entertainment, travel, and other lifestyle choices.
20% for savings and emergency fund
This is the percentage that must be allocated to savings, emergency funds, and retirement accounts.
About financial planning, money management, and household budgeting
The 50/30/20 rule is used as a general guideline but may not be the best choice for all people. There are in fact many budgeting plans out there like the 70/20/10 and the 60/20/20 rules, all claiming to be the best. More important than all of this is to establish financial discipline by creating a budget tailored to your specific financial goals and situation. It is very important that your financial outflow be less than your income to maintain a healthy cash flow.

Low-cost alternatives in Geneve
People are always looking for ways to cut down expenses and reduce expenditures. The hallmark of any affordable place is the availability of discount stores, bargain deals, smart or secondhand shopping, refurbished items, and couponing. We asked residents how easily cost-cutting is and the answers were distributed as follows:
Plenty of low-cost options65%
Few low-cost options35%
Based on the survey, 65% of the people living in Geneve have no problem finding low-cost alternatives to support a frugal lifestyle while 35% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Saving Challenges in Geneve
Reasons that make it difficult for people to save money
We wanted to understand what is stopping people from maximizing their savings in Geneve. Listed below are the answers given by the survey participants.
Reason | % People |
---|
Low Income | 7% |
High Expenses | 10% |
Debt and Loans | 19% |
Lack of Budgeting Skills | 10% |
Impulsive Spending | 9% |
Financial Emergencies | 6% |
Living the moment | 7% |
Will do it later | 16% |
Inflation | 10% |
Social Pressure | 3% |
Market Instability | 3% |
Around 7% of the people said that their salary is too low to accommodate a portion for savings while 10% said that the high cost of living leaves little room for savings. 19% of the residents said that they are burdened with debt and find it challenging to save money. 10% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 9% blamed impulsive spending as the reason for saving inability. Around 6% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 7% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 16% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 10% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 3% blamed market instability and price fluctuations.
Retirement, pension plans, and life after work in Geneve
What does the retirement lifestyle look like in Geneve and how much retirement savings are required?
Retirement age
The retirement age for most employees in is 65 years. Specific retirement ages can vary based on factors like occupation, gender, years of contribution, and location. It is not entirely unlikely for people to retire either before or after this age.
Retirement planning and savings
There are many retirement saving options, some are personally initiated and others are government-sponsered. Regardless of the source of savings, the minimum amount of money that needs to be put aside to ensure a peaceful and comfortable retirement at each age can be found in the table below. This data is largely approximated and can vary drastically based on individual needs and situations. Treat these figures as a general guideline.
The typical saved amount of money you should have at every age as multiples of monthly salary:Age | Amount |
---|
25 | 5x monthly salary at age 25 |
30 | 10x monthly salary at age 30 |
35 | 15x monthly salary at age 35 |
40 | 25x monthly salary at age 40 |
45 | 32x monthly salary at age 45 |
50 | 48x monthly salary at age 50 |
55 | 56x monthly salary at age 55 |
60 | 64x monthly salary at age 60 |
65 | 78x monthly salary at age 65 |
The typical average saved amount of money you should have at every age in Geneve:Age | Amount |
---|
25 | 15,000 CHF |
30 | 30,000 CHF |
35 | 54,000 CHF |
40 | 78,000 CHF |
45 | 110,000 CHF |
50 | 160,000 CHF |
55 | 190,000 CHF |
60 | 240,000 CHF |
65 | 270,000 CHF |
Retirement Income Distribution
We asked residents about their retirement income sources and below are the results.
Source | % People |
---|
Pensions | 14% |
Savings | 21% |
Investments | 14% |
Social Security | 9% |
Annuities | 9% |
Part-time Job | 9% |
Real Estate | 16% |
Dividends and Interest | 9% |
Retirement Monthly Expenses in Geneve 440 CHF $500 | 4,000 CHF $4,500 | 44,000 CHF $50,000 |
Emergency Funds
An emergency fund is a financial safety net comprised of easily accessible savings set aside to cover unexpected expenses or financial emergencies, typically amounting to three to six months' worth of living expenses. We asked residents whether they have an emergency fund and the answers were as follows.
Yes85%
No15%
Based on the survey, 15% of the people living in Geneve said that they don't have an emergency fund while 85% said that they do.
Prices and cost of goods and services in Geneve

Dining, food, and beverages costs
Fast food combo meal
Restaurant meal for one
Fine dining meal for one
Cappuccino or latte
Grocery and market costs
Milk large bottle
12 eggs
Fresh whole chicken
Pack of beef
Medium bag of rice
Bag of tomatos
Bag of apples

Commute, travel, and transportation costs
20 minutes taxi ride
Average car full tank
Average car 1-day rental
Average car price
19,000 CHF | 37,000 CHF | 49,000 CHF |
Bus ticket one way
Car Service

Utility cost (monthly)
Utility Bill - Individual
Utility Bill - Couple
Utility Bill - Family
Internet and cable
Mobile phone charges
Leisure and activities costs
Movie ticket
One month gym membership

Cloths and accessories costs
Pair of jeans or pants
Woman dress
Woman shoes
Men's shoes
Men suit
Regular t-shirt

Housing costs / monthly rent
Studio apartment
720 CHF | 1,100 CHF | 2,900 CHF |
1-bedroom apartment
1,100 CHF | 1,800 CHF | 4,400 CHF |
2-bedroom apartment
1,500 CHF | 2,200 CHF | 6,000 CHF |
Housing costs / Buying
Studio apartment
150,000 CHF | 220,000 CHF | 450,000 CHF |
$170,000 | $250,000 | $510,000 |
1-bedroom apartment
180,000 CHF | 300,000 CHF | 1.1M CHF |
2-bedroom apartment
290,000 CHF | 860,000 CHF | 1.7M CHF |

Furniture Costs
King Size Bed
760 CHF | 950 CHF | 1,300 CHF |
Double Bed
Single Bed
Living Room
900 CHF | 1,200 CHF | 4,000 CHF |
Dining Table
Sofa or Couch
520 CHF | 710 CHF | 1,600 CHF |

Electronics and House Appliance Costs
TV Set
520 CHF | 780 CHF | 1,600 CHF |
Fridge or Freezer
Washing Machine
580 CHF | 830 CHF | 1,500 CHF |
Stove or Cooker
Mobile Phone
650 CHF | 780 CHF | 1,100 CHF |
Laptop or Computer
720 CHF | 880 CHF | 1,600 CHF |

Housing costs, accommodation, and housing affordability in Geneve
Rental costs and house/apartment prices can vary drastically between different areas and locations.
Rent Cost in Geneve
Monthly Rent Prices
Studio apartment monthly rent cost
720 CHF | 1,100 CHF | 2,900 CHF |
1-bedroom apartment monthly rent cost
1,100 CHF | 1,800 CHF | 4,400 CHF |
2-bedroom apartment monthly rent cost
1,500 CHF | 2,200 CHF | 6,000 CHF |
3-bedroom apartment monthly rent cost
1,800 CHF | 3,000 CHF | 8,300 CHF |
Furnished apartment monthly rent cost
3,500 CHF | 8,800 CHF | 18,000 CHF |
Townhouse monthly rent cost
2,900 CHF | 4,300 CHF | 12,000 CHF |
House monthly rent cost
3,500 CHF | 8,800 CHF | 18,000 CHF |
Villa monthly rent cost
4,300 CHF | 11,000 CHF | 17,000 CHF |
The monthly rental cost of a studio apartment in Geneve ranges between 720 CHF and 2,900 CHF, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 1,100 CHF to 4,400 CHF. Two-bedroom rentals rate ranges between 1,500 CHF and 6,000 CHF per month. The monthly rental for a three-bedroom apartment ranges from 1,800 CHF to 8,300 CHF. The average rent of a townhouse in Geneve is around 4,300 CHF while house rental costs can be as high as 8,800 CHF per month. Finally, if you want to rent a villa, expect to pay anywhere from 4,300 CHF to 17,000 CHF per month.
Apartment and house prices in Geneve
Cost of buying a property
Studio apartment price
150,000 CHF | 220,000 CHF | 450,000 CHF |
$170,000 | $250,000 | $510,000 |
1-bedroom apartment price
180,000 CHF | 300,000 CHF | 1.1M CHF |
2-bedroom apartment price
290,000 CHF | 860,000 CHF | 1.7M CHF |
3-bedroom apartment price
980,000 CHF | 1.5M CHF | 4.4M CHF |
Townhouse price
House price
1.5M CHF | 9.2M CHF | 13M CHF |
Villa price
The average price of a studio apartment in Geneve can range from 150,000 CHF to 450,000 CHF depending on location. One bedroom cost can be anywhere from 180,000 CHF to 1.1M CHF. A villa can cost you 10M CHF on average with prices ranging from 1.8M CHF to 15M CHF.
If you're leasing or purchasing, housing costs in Geneve will probably constitute your biggest expenditure, yet it's an area where you wield considerable influence. This is due to the substantial variance in housing prices across communities. Keep in mind the location of your workplace and the accessibility of essential amenities to prevent negating the savings from lower rental rates with increased transportation expenses.
House / apartment prices to income ratio
Property price to income ratio
( average property price / average monthly income ) x 100
64 | x192 monthly income | 294 |
Property prices in Geneve can be x192 to x294 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x192 multiples of the average monthly salary in Geneve.
Rent to income ratio
Rent to income ratio
( monthly rental / monthly income ) x 100
The average rent-to-income ratio in Geneve is around 41%. This means that people pay 41% of their income for rent. Those figures can range from 29% to 52% depending on the salary, location, and type of property.
The housing-to-income ratio is a very important metric to evaluate and measure how affordable living is in a particular area, city, or country since housing comprises the biggest chunk of expenditure. A higher housing to income ratio means that the place is relatively expensive. The figure by itself does tell much. It only starts to make sense when comparing the housing to income ratio across different locations.
Housing affordability index
The housing affordability index measures how affordable accommodation is in a particular place. This can measured in multiple ways, the most common being housing expenditure to total expenditure ratio and the rent to income ratio. The housing expenditure ratio is a figure reported by individuals on the percentage they allocate for housing. Rent to income ratio is calculated by dividing the average monthly rent by the average income. Because these values are both percentages, we can find their average and get the best of the two worlds.
Housing Affordability Index
33% Property Taxes
Real estate owners pay property taxes to local tax authorities, which are determined by the assessed value of their property. Typically, these taxes are paid once a year. Property tax funds contribute to community development, financing infrastructure improvements, public services, and local education initiatives.
Home Maintenance Costs
Home maintenance costs encompass various expenses associated with the upkeep and repair of a residence. These expenditures include regular tasks such as lawn care, pest control, and HVAC system servicing, as well as occasional repairs and renovations like fixing leaks, painting, or replacing appliances.
Urban vs. rural living costs
Urban living typically entails higher housing and transportation costs due to demand and limited space, while rural areas generally offer lower housing expenses but may have higher prices for goods and services. The differnce in rental rates between urban areas and rural areas can be as high as 300% in some cases.

How much money can you save in Geneve every month?
We asked thousands of people what percentage of their income can they save in a month. Below are the answers.
What percentage of people in Geneve manage to save money from their income every month?
Almost 82% of the surveyed people in Geneve said that they can save some money at the end of each month while 18% said that aren't saving anything.
Percentage of people saving money by population group in Geneve
Group | Savers | Non Savers |
---|
Singles | 82% | 18% |
Couples | 80% | 20% |
Families | 71% | 29% |
Savings-to-Income Ratio
The savings-to-income ratio is measured as the percentage of income that people save over a specific period and it is simply calculated by dividing the saved money by total income and then multiplying the result by 100. (Savings / Income) x 100.

Saving to Income Ratio
Average Monthly Saved Amount
270 CHF $310 | 2,700 CHF $3,100 | 41,000 CHF $46,000 |
For most people, 17% to 40% of their monthly income is what they can allocate to their savings, with 29% being the average. The amount of money that people can save is approximately 2,700 CHF on average with savings ranging from 270 CHF to 41,000 CHF.
82% of surveyed singles reported some of their income going to savings while 80% of couples said the same. 71% of families confirmed their ability to save money.
How much money do people actually save in Geneve?
The amount of money that people can afford to save depends hugely on their income. It is better to focus on the percentage when trying to understand saving patterns.
Singles
Saving to Income Ratio
Average Monthly Saved Amount
260 CHF $300 | 2,400 CHF $2,700 | 26,000 CHF $30,000 |
Savings to income distribution levels for singles
Saving To Income Ratio | % Singles |
---|
0% - 10% | 28% |
10% - 20% | 22% |
20% - 30% | 16% |
30% - 40% | 17% |
40% - 50% | 13% |
> 50% | 4% |
Interpretation and Analysis
Singles who can afford to save reported that they allocate from 21% to 42% of their monthly income to savings, with 33% being the average for most singles. The average amount of money that singles are able to save is 2,400 CHF with 260 CHF and 26,000 CHF being the minimum and maximum respectively.
Couples
Saving to Income Ratio
Average Monthly Saved Amount
540 CHF $610 | 3,500 CHF $3,900 | 32,000 CHF $36,000 |
Savings to income distribution levels for couples
Saving To Income Ratio | % Couples |
---|
0% - 10% | 32% |
10% - 20% | 24% |
20% - 30% | 19% |
30% - 40% | 12% |
40% - 50% | 10% |
> 50% | 3% |
Interpretation and Analysis
Couples who confirmed their ability to save reported saving equivalent to 19% to 42% of their monthly income, with 31% being the average for most couples. The average amount of money that couples can save is 3,500 CHF with 540 CHF and 32,000 CHF being the minimum and maximum respectively.
Families
Saving to Income Ratio
Average Monthly Saved Amount
820 CHF $930 | 4,100 CHF $4,600 | 41,000 CHF $46,000 |
Savings to income distribution levels for families
Saving To Income Ratio | % Families |
---|
0% - 10% | 35% |
10% - 20% | 27% |
20% - 30% | 20% |
30% - 40% | 9% |
40% - 50% | 7% |
> 50% | 2% |
Interpretation and Analysis
Families in Geneve can save anywhere between 15% to 35% of their monthly income, with 25% being the average for most families. The average amount of money that families can put aside is 4,100 CHF with 820 CHF and 41,000 CHF being the minimum and maximum respectively.
Food Prices, Dining Expenses, and Grocery Costs in Geneve
Grocery / Food expenditure and prices can vary drastically between different areas and locations.
Prices and cost of goods and services in Geneve
Dining out, food, and beverages costs. Price variations for common food items.
Fast food combo meal price
The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Geneve is approximatly 15 CHF with meal cost ranging from 7.7 CHF to 26 CHF. The typical combo meal consists of a burger, french fries, and a drink.
Restaurant meal for one price
If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 26 CHF and 79 CHF with 40 CHF being the average price of a plate for one person at a regular restaurant in Geneve.
Fine dining meal for one price
The price range of a meal at fine-dining restaurant is 51 CHF to 310 CHF with the average cost being 77 CHF for one person. This is what you would expect to pay a top-tier diner in Geneve.
Beverage prices, cappuccino, latte etc..
The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Geneve is around 10 CHF. Price ranges between 6.5 CHF and 16 CHF depending on the type of beverage, the size, and optional add-ons.
Grocery and market costs
Large bottle of milk price
The average price of a large bottle of milk in Geneve is 6.4 CHF. The maximum what you would pay for milk is 7.9 CHF and the minimum being 5.3 CHF depending on the brand of milk and other properties.
12 eggs price
A dozen eggs costs around 5.1 CHF on average with 3.8 CHF and 7.6 CHF being the lower and upper limits respectively.
Fresh whole chicken price
The price range of a fresh whole chicken in Geneve is between 9.1 CHF and 17 CHF depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 12 CHF.
Pack of beef price
The price of a regular pack of beef or meat is around 16 CHF. A pack of beef contains around 1Kg or 1lb depending on packing.
Medium bag of rice price
A bag of rice in Geneve costs around 5.6 CHF on average with prices rangeing between 4.1 CHF and 7.9 CHF depending on the brand and quality.
Bag of tomatos price
A bag of tomatoes costs anywhere from 1.5 CHF to 3.9 CHF. A bag of tomatoes denotes 1Kg or 1lb depending on location.
Bag of apples price
A bag of apples costs 3.6 CHF on average. A bag of apples denotes 1Kg or 1lb depending on location.
Grocery and food expenditure to income ratio
( monthly grocery expenses / monthly income ) x 100
The average grocery-to-income ratio in Geneve is around 27%. This means that people spend 27% of their income on grocery and basic household items. The expenditure can range from 18% to 34% depending on salary and location.
Expenditure on food and grocery for every population group
A single person living alone spends approximately 820 CHF per month on grocery and food with expenditure fluctuating between 120 CHF and 9,100 CHF depending on location and the type of person. The average cost of food and groceries for a couple is around 1,000 CHF per month. That number can be get as low as 160 CHF or a high as 9,600 CHF. Families' spending on grocery ranges from 310 CHF to 15,000 CHF with the location, income, and size of the family being the most determinite factors.

Financial Literacy in
Financial literacy is the knowledge of concepts and principles related to personal finance that allow individuals to make informed decisions regarding their money such as budgeting, saving, investing, borrowing, managing debt, financial risk management, and planning.
Financial Leteracy80%
We asked residents of whether they acquired any adequate personal financial training in their lives. Approximately 20% of the people who participated in the survey said that they are not well informed about the topics of budgeting, saving, etc., and just manage things based on their own experience, while 80% said that they know about the general principles of personal finance from sources other than their own experience.
Difficulty in Budgeting and Financial Planning
We wanted to understand whether residents of have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 10% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 90% said that they have everything under control.
Struggles with finance10%
Easily manages finances90%
Cost of living comparison by city
#1 Biel
The average cost of living in Biel is 3,600 CHF, which is 50% less than the country average. Biel is ranked first in Switzerland in terms of expendenture and cost of living.
#2 Lugano
The average cost of living in Lugano is 3,900 CHF, which is 50% less than the country average. Lugano is ranked second in Switzerland in terms of expendenture and cost of living.
#3 St. Gallen
The average cost of living in St. Gallen is 4,200 CHF, which is 33% less than the country average. St. Gallen is ranked third in Switzerland in terms of expendenture and cost of living.
#4 Luzern
The average cost of living in Luzern is 4,400 CHF, which is 33% less than the country average. Luzern is ranked fourth in Switzerland in terms of expendenture and cost of living.
#5 Winterthur
The average cost of living in Winterthur is 4,700 CHF, which is 33% less than the country average. Winterthur is ranked fifth in Switzerland in terms of expendenture and cost of living.
#6 Bern
The average cost of living in Bern is 5,000 CHF, which is 17% less than the country average. Bern is ranked sixth in Switzerland in terms of expendenture and cost of living.
#7 Lausanne
The average cost of living in Lausanne is 5,400 CHF, which is 17% less than the country average. Lausanne is ranked seventh in Switzerland in terms of expendenture and cost of living.
#8 Basel
The average cost of living in Basel is 5,700 CHF, which is 17% less than the country average. Basel is ranked eighth in Switzerland in terms of expendenture and cost of living.
#9 Geneve
The average cost of living in Geneve is 6,000 CHF, which is same as the country average. Geneve is ranked ninth in Switzerland in terms of expendenture and cost of living.
#10 Zurich
The average cost of living in Zurich is 6,400 CHF, which is same as the country average. Zurich is ranked tenth in Switzerland in terms of expendenture and cost of living.
Published: July 19, 2024 Last Update: April 16, 2025