Business · Economy · 23 hrs ago
Swiss doctor saves about 6,000 francs a month but cannot yet buy a home
A senior doctor at a regional hospital in Switzerland earns nearly 20,000 francs net each month and has shared his family budget.
He is in his early 40s, lives in canton Zurich with his wife and two children, and his wife works part-time.
Their monthly expenses are about 15,000 francs, covering items such as taxes, housing, childcare, food and travel.
His wife contributes around 1,000 francs a month, and he says the family can save about 6,000 francs.
They spend about 2,200 francs monthly on nursery and after-school care, and take three holidays a year.
They want to buy a home but do not yet have enough equity; he estimates they would need about 600,000 francs to buy a property worth 2 million.
He expects buying a home may become possible in five to ten years, and says owning one in Switzerland is a luxury.
A Swiss doctor in his early 40s says his family saves about 6,000 francs a month but cannot yet buy a home because they lack the required equity.
He earns just under 20,000 francs net per month and reports household expenses of around 15,000 francs.
His wife works part-time and contributes about 1,000 francs a month.
The family has two children and spends around 2,200 francs a month on childcare and after-school care.
They rent a 160-square-metre, 5.5-room apartment in the canton of Zurich for 3,800 francs a month.
- Who
- J., a doctor in his early 40s who is a senior physician at a regional hospital, and his family.
- What
- He says the family saves about 6,000 francs a month but cannot yet buy a home because they lack the required equity.
- When
- The budget was published on November 7, 2026; the family’s finances are described on a monthly basis.
- Where
- The family lives in the canton of Zurich, Switzerland.
- Why
- They do not yet have the equity they estimate is needed to buy a home worth two million francs.
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- Monthly net salary
- Just under 20,000 francs
- Monthly expenses
- Around 15,000 francs
- Monthly savings
- Around 6,000 francs
- Home price considered
- 2 million francs
- Estimated equity needed
- 600,000 francs, or 30 percent of the home’s value
- Current rent
- 3,800 francs a month for a 5.5-room apartment in the canton of Zurich
What people are saying
I earn just under 20,000 francs net. Against that, we have monthly expenses of around 15,000 francs.
We can save around 6,000 francs a month.
We would like to buy a home, but at the moment we still lack the equity.
I think being able to afford a home of your own is a luxury in Switzerland.