Basel vs St. Gallen on CHF 100,000: take-home pay, rent and cost of living in 2026
On a gross salary of CHF 100,000 a year, a single employee takes home CHF 6,292 a month in Basel (75% of gross) and CHF 6,527 a month in St. Gallen (78%), after income tax and social security contributions.
St. Gallen is 1% more expensive than Basel overall (cost-of-living index 78.2 vs 77.8, New York = 100). A one-bedroom flat in the city centre rents for about CHF 1,472 a month in St. Gallen and CHF 1,654 in Basel, which leaves CHF 5,055 and CHF 4,637 of take-home pay after rent. Keeping the same standard of living and saving 15% of your pay would cost about CHF 5,375 a month in St. Gallen — this salary leaves CHF 1,151 a month on top.
By category, groceries cost 7% more in St. Gallen than in Basel, eating out 1% less and rent 9% less.
| Basel | St. Gallen | |
|---|---|---|
| Gross salary per year | CHF 100,000 | CHF 100,000 |
| Take-home pay per month | CHF 6,292 | CHF 6,527 |
| One-bedroom rent, city centre | CHF 1,654 | CHF 1,472 |
| Left after rent | CHF 4,637 | CHF 5,055 |
| Cost-of-living index (New York = 100) | 77.8 | 78.2 |
How each figure is taxed: Switzerland tax calculator and Switzerland tax calculator. Single employee without children; rent and price data from Numbeo, refreshed monthly.
Questions about Basel vs St. Gallen
Is St. Gallen, Switzerland more expensive than Basel, Switzerland?
St. Gallen, Switzerland is 1% more expensive than Basel, Switzerland overall. On a gross salary of CHF 100,000 a year, you take home CHF 6,292 a month in Basel, Switzerland and CHF 6,527 a month in St. Gallen, Switzerland after income tax and social contributions.
How much can I save living in St. Gallen, Switzerland vs Basel, Switzerland?
Keeping the same standard of living as in Basel, Switzerland, you could save about CHF 1,151 a month (CHF 13,818 a year) in St. Gallen, Switzerland on this salary, after rent and living costs.
What taxes will I pay in Switzerland vs Switzerland?
On CHF 100,000 gross a year you take home CHF 6,292 a month in Switzerland and CHF 6,527 a month in Switzerland. The calculation applies each country's 2026 income tax and social security rules for a single employee.