Geneva 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 6,221 a month in Geneva (75% of gross) and CHF 6,527 a month in St. Gallen (78%), after income tax and social security contributions.
St. Gallen is 9% cheaper than Geneva overall (cost-of-living index 78.2 vs 85.9, New York = 100). A one-bedroom flat in the city centre rents for about CHF 1,472 a month in St. Gallen and CHF 2,336 in Geneva, which leaves CHF 5,055 and CHF 3,885 of take-home pay after rent. Keeping the same standard of living and saving 15% of your pay would cost about CHF 4,814 a month in St. Gallen — this salary leaves CHF 1,713 a month on top.
By category, groceries cost 7% more in St. Gallen than in Geneva, eating out 1% less and rent 33% less.
| Geneva | St. Gallen | |
|---|---|---|
| Gross salary per year | CHF 100,000 | CHF 100,000 |
| Take-home pay per month | CHF 6,221 | CHF 6,527 |
| One-bedroom rent, city centre | CHF 2,336 | CHF 1,472 |
| Left after rent | CHF 3,885 | CHF 5,055 |
| Cost-of-living index (New York = 100) | 85.9 | 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 Geneva vs St. Gallen
Is St. Gallen, Switzerland more expensive than Geneva, Switzerland?
St. Gallen, Switzerland is 9% cheaper than Geneva, Switzerland overall. On a gross salary of CHF 100,000 a year, you take home CHF 6,221 a month in Geneva, 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 Geneva, Switzerland?
Keeping the same standard of living as in Geneva, Switzerland, you could save about CHF 1,713 a month (CHF 20,559 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 6,221 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.