Buy a 5-bedroom-apartment
Buying a 5-room flat or larger in Switzerland
Spacious flats with 5 or more rooms offer space for family, guests, an office – with room to spare for future stages of life or hobbies that take up a lot of space. Owner-occupiers who are also buying property as an investment will benefit from stable demand and generally solid appreciation in value.
5-room properties or larger: the most important information at a glance
The vacancy rate for 5-room properties is 0.72%.
The vacancy rate for 6-room or larger properties is 0.84%.
In the last 5 years, 26'158 new 5-room apartments and 10'938 new 6-room or larger apartments have been added.
Currently, there are 715'989 5-room apartments and 442'814 6-room or larger apartments.
The total number of apartments is 4'840'096.
The average yearly income is CHF 81'875.
The unemployment rate is 1.47%.
The population change over the last 5 years is 3.57%.
The foreigner rate is 27.4%.
The current population is 9'051'029.
The average price for a single-family home is CHF 1'250'000, with the 25th percentile at CHF 890'000 and the 75th percentile at CHF 1'800'000.
The average price for an apartment is CHF 802'000, with the 25th percentile at CHF 567'500 and the 75th percentile at CHF 1'211'865.
The average rental price is CHF 1640, with the 25th percentile at CHF 1300 and the 75th percentile at CHF 2070.
The tax burden for a married couple with 2 children and a gross income of CHF 175,000 is 12.38%.
The tax burden for a married couple with 2 children and a gross income of CHF 125,000 is 12.38%.
The tax burden for a childless married couple with a gross income of CHF 200,000 is 12.38%.
The tax burden for a childless single person with a gross income of CHF 150,000 is 12.38%.
The tax burden for a childless single person with a gross income of CHF 100,000 is 12.38%.
Suitable for families, couples who work from home or multi-generational households.
Versatile: room for work, hobbies, or caring for a family member without compromising on space.
Low vacancy rates and consistent demand make these properties an interesting prospect for investors.
More expensive to purchase and maintain, but enormous benefits in terms of use and flexibility.
Market overview: 5-room properties or larger in Switzerland
- The vacancy rate for 5-room properties is 0.72%.
- The vacancy rate for 6-room or larger properties is 0.84%.
- In the last 5 years, 26'158 new 5-room apartments and 10'938 new 6-room or larger apartments have been added.
- Currently, there are 715'989 5-room apartments and 442'814 6-room or larger apartments.
- The average price for a 5-room apartment is CHF 802'000, ranging from CHF 567'500 to CHF 1'211'865.
- The average price for a 6-room or larger apartment is CHF 802'000, ranging from CHF 567'500 to CHF 1'211'865.
- The median monthly rent for a 5-room apartment is CHF 1640, with a quarter renting for CHF 1300 or less and three quarters for CHF 2070 or less.
- The median monthly rent for a 6-room or larger apartment is CHF 1640, with a quarter renting for CHF 1300 or less and three quarters for CHF 2070 or less.
- The tax burden for a married couple with 2 children and a gross income of CHF 175k is 12.38%.
- The tax burden for a married couple with 2 children and a gross income of CHF 125k is 12.38%.
- The tax burden for a childless married couple with a gross income of CHF 200k is 12.38%.
- The tax burden for a childless single person with a gross income of CHF 150k is 12.38%.
- The tax burden for a childless single person with a gross income of CHF 100k is 12.38%.
The market for large units is tight. Over the last five years, 26'158 new 5-room flats and 10'938 properties with at least 6 rooms have been built. The vacancy rate is well below the overall average of 1.3%: 5-room flats have a vacancy rate of 0.72%, while properties with more than 5 rooms have a vacancy rate of 0.84%. This indicates limited availability in city centres; in suburbs and rural areas, the selection is broader and prices are often more moderate.
Costs involved in buying a 5-room flat
The total price includes the purchase price and ancillary costs: notary and land registry fees and – depending on the canton – potentially also a transfer tax. For individual flats within blocks of flats (STWEG), contributions to the renovation fund and communal maintenance costs are incurred on top. The purchase is usually financed by a mortgage with a sufficient deposit and an affordable level of debt. For tax purposes, the imputed rental value, mortgage interest deduction and cantonal property taxes are taken into account. If you plan to let the property out, you will need to observe the provisions of tenancy law regarding rent pricing and tenant protection.
A step-by-step guide to deciding whether a five-room flat is right for you
Clarify your needs: rooms, floor plan, potential for expansion.
Review your budget and financing; obtain preliminary approval.
Choose a location: schools, infrastructure, commute.
Inspect the property: year of construction, energy efficiency, required renovations, land registry.
Legal issues: building rights/leasehold, easements, rules governing the property (STWEG).
Compare offers and prepare your purchase decision with complete documentation.
Next steps: find a suitable 5-room flat or larger today
Start your search for 5-room flats or larger properties now. We have listings in cities, suburbs and rural areas. Plan viewings early, compile your financing documents and contact the seller quickly – this will increase your chances in a competitive market.
