Cost of Living: Athens vs Lugano (2026)
Greece vs Switzerland — relocation comparison
Your passport:
Athens
Lugano
$737/mo
Rent
1BR centre
$1,813/mo
−$4k/yr
Take-home savings
At each city's local median pay
$61k/yr
5 yr
PR path
10 yr
50% Foreign Income Exemption (Art. 5C), Non-Dom Regime (Art. 5A)
Tax breaks
Open incentive regimes for newcomers
Lump-Sum Taxation (Forfait Fiscal) (Limited), Expatriate Deductions (ExpaV), Cantonal Tax Competition
Freelance setup
Self-employed
- VAT-free under €10k
- 27% social
- €700/yr accountant
WiseStripe
Einzelfirma
- VAT-free under €93k
- 11% social
- €2000/yr accountant
WiseStripe
Sourced from Numbeo · Updated June 2026
TL;DRAthens is 59% cheaper on rent ($737/mo vs $1,813/mo). Greece gets you to permanent residency 5 years faster (5 vs 10 years). Both countries will let you complain about the government in public — and mean it.
Lugano edges ahead 82 to 74. Athens isn't far behind — it depends what matters to you.
How the livability score breaks down
Athens
Lugano
21.8/25
💰 Affordability
11.4/25
13.9/15
🔒 Violent Crime
14.4/15
4.5/10
🛡️ Perceived Safety
7.8/10
7.4/15
⚡ Internet
15/15
12.1/15
🗳️ Democracy
14/15
8.1/10
🗣️ English
7.1/10
6.7/10
☀️ Climate
9/10
7.3/10
📊 Stability
8.9/10
7.5/10
🚗 Road Safety
10/10
6.9/10
🕊️ Geopolitical Safety
8.8/10
Verdict delivered. Your move.
Household
Athens
Metric
Lugano
✓$599/mo
🛒
Living costs (no rent)
lower is better
$1096/mo
✓$3,701
🧳
Cost to land
lower is better
$11,966
76 / 100
🛡️
Settler safety
higher is better
92 / 100✓
1.1 / 100k
🔒
Homicides
lower is better
0.6 / 100k✓
7.3 / 100k
🚗
Road deaths
lower is better
2.4 / 100k✓
45 / 100
🚨
Safety Index
higher is better
78 / 100✓
90°F
☀️
Summer high
personal taste
81°F
43°F
❄️
Winter low
personal taste
36°F
98 Mbps
⚡
Internet speed
higher is better
306 Mbps✓
12.3 μg/m³
🌬️
Air quality (PM2.5)
lower is better
—
77 / 100
🏥
Healthcare
higher is better
86 / 100✓
8.1 / 10
🗳️
Democracy
higher is better
9.3 / 10✓
3.3 / 9
🤝
Migrant acceptance
higher is better
6.4 / 9✓
✓71 / 100
🏳️🌈
Rainbow Index
higher is better
50 / 100
✓61/100
🗣️
Street English
higher is better
51/100
$44k
💼
GDP per capita (PPP)
higher is better
$96k✓
2.7% · Boringly steady
📈
Inflation
lower is better
1.1% · Boringly steady✓
75/100 — Mostly stable
⚡
Grid reliability
higher is better
—
85/100
🗽
Freedom House
higher is better
96/100✓
A median Software Engineer in Athens takes home $1,983/mo under Standard employee. In Lugano: $9,854/mo under Standard employee.
$7,872/mo more in Lugano
Each city pays its own median — Software Engineer gross via Levels.fyi / Eurostat. Moving changes your salary too; that's the point.
$34k
💰
Gross income
$159k
−$5k
🏛️
Income tax
Standard employee
−$31k
−$5k
🛡️
Social contributions
−$10k
$24k/yr
$2k/mo
💵
Take-home pay
$118k/yr✓
$10k/mo
−$28k
🏠
Cost of living
−$57k
−$4k/yr