Growing older in Switzerland: Should you buy or rent your Home in retirement?

Retirement marks a new chapter in life — a time to focus on well-being, security, and quality of life. In Switzerland, retirees have several attractive housing options, but one essential question arises: is it better to buy or rent your home during retirement? Here’s what you need to consider.

Buying: stability and long-term value

Many Swiss retirees choose to own their home. And for good reason — buying offers long-term security:

• No rent increases or unwanted relocations.

• Full control to adapt and personalize your home (accessibility, smart features, comfort).

• A tangible asset to pass on to your heirs.

However, buying requires planning and foresight:

• Upkeep costs, potential renovations, and property taxes.

• Immobilized capital that won’t be available for other needs.

• Choosing a property that remains accessible in case of mobility loss.

Renting: simplicity and flexibility

More and more seniors are choosing to rent for a simpler, more flexible lifestyle:

• The ability to relocate more easily, depending on health or proximity to family.

• Many senior residences offer helpful services like housekeeping or on-site care.

• No major maintenance costs, and a more predictable monthly budget.

That said, renting can also mean:

• Less freedom to renovate or adapt the space to your preferences.

• Potential rent increases over time.

A personal decision

Ultimately, the choice between buying or renting depends on many factors: your financial situation, future plans, health, and lifestyle preferences. There is no one-size-fits-all solution — only the one that suits you best.