Are you ready to buy a house? This is a dream so many people want and you can find the perfect property through our database at ImmoScout24. You can easily search for a house based on the details you are most interested in, like size, cost, number of bedrooms, and much more.

You will find a number of search results when you seek a house in Switzerland. Our Internet portal will even let you do a Google search for phrases like "house for sale" and "house sale Switzerland" for even more options. If you are looking for a house, we are ready to help you find your dream home.

Buying a house in Switzerland

Whether you purchase a detached house, terraced house, semi-detached house or holiday home – owning your own home gives you space for personal growth, privacy and the freedom to organise your everyday life however you want. Owning a home is ideal for owner-occupiers who need space as well as for investors with a rental strategy.

At a glance: buying a house

• High level of privacy and plenty of space for family, hobbies and working from home

• Garden, potential for extension and renovation for better quality of life

• Property in a good location will retain value; letting is an additional option

• Please note: maintenance and utilities will be more expensive

Market overview for houses and owner-occupied homes in Switzerland

The population of Switzerland changed to 9’051’029 within three years (+3.57%), changing the pressure on the housing market. Housing stock currently stands at 4’840’096 flats; the vacancy rate is 1.01%. Even large flats with more than five rooms have a vacancy rate of only 0.84%. This shortage also holds true for single-family homes: competition remains fierce for houses in sought-after areas, while the selection is somewhat broader in the suburbs. Over the past five years, 235’897 new flats have been built, but these are often smaller units, meaning that there is limited availability of detached houses in many places.

What costs are involved in buying a house?

The purchase price depends on the location, plot, year of construction, condition, energy efficiency and any potential leasehold. In addition, the buyer will have to pay ancillary costs such as transfer tax, notary fees, land registry fees and, if applicable, valuation or estate agent fees. The imputed rental value and property tax are relevant for tax purposes. Ongoing expenses include maintenance, financial reserves, insurance and taxes. Financing is usually provided if the buyer has a deposit of at least 116.81%; amortisation can be direct, indirect or via state or private pension funds. If you build on leased land or the existing property is a leasehold, you will also have to pay interest on the lease; additionally, rental income is taxable.

A step-by-step guide to deciding whether buying your own home is right for you

1. Define your needs and desired location: check public transport, schools, commute time and zoning plan.

2. Clarify your budget and affordability; obtain confirmation of financing.

3. Filter listings; understand plot size, building rights/leasehold and plot ratio.

4. View the property; assess the building structure, damp, heating, insulation and cantonal building energy certificate (GEAK).

5. Review documents: land registry, easements, cadastre, local authority requirements.

6. Negotiate price; finalise purchase agreement and notary appointment.

7. Finalise mortgage, choose repayment plan, plan insurance and handover.

Next steps

Start by setting up search parameters, saving searches and comparing your favourites. Book viewings promptly. Download documents (floor plans, cadastral map, energy information) and share them with your bank. Apply for a mortgage and secure a preliminary decision early on.