Last update: Oct 2026

Cost of Living Comparison Between Monaco and Winterthur

For one person, living is cheaper in Winterthur: $4,037 a month against $10.4K in Monaco, rent and utilities included – about $76,600 less a year. Higher rent and utilities in Monaco outweigh lower spending on other living expenses.

504

Cost of Living Index in Monaco
Learn more

Monaco Living Index
196

Cost of Living Index in Winterthur
Learn more

Winterthur Living Index

Jump to prices

Monaco

🇲🇨 Monaco

$10.4K

/mo nomad

Winterthur

🇨🇭 Switzerland

$4,037

/mo nomad

Monthly Cost of Living

How much you'll spend in Monaco and in Winterthur

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Monaco and in Winterthur actually costs, broken down by who's living it.

Monthly costs for one person with rent: $10.4K in Monaco versus $4,037 in Winterthur.

Monaco $10.4K
Winterthur $4,037

Estimated couple costs with rent: $11.9K in Monaco versus $5,873 in Winterthur.

Monaco $11.9K
Winterthur $5,873

Monthly costs for a family of three with rent: $13.4K in Monaco versus $7,709 in Winterthur.

Monaco $13.4K
Winterthur $7,709

Living in Monaco is roughly 158% more expensive than in Winterthur, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Monaco 669% above, Winterthur 198% above.

Meal at Budget Restaurant

$19.81 €17.62

$30.10 CHF 24.79

-34.19%

Three-Course Dinner for Two, Mid-Range

$166 €148

$119 CHF 97.8

39.77%

Fast Food Meal (McDonalds, etc)

$12.38 €11.01

$17.88 CHF 14.73

-30.76%

Cappuccino

$3.61 €3.21

$5.98 CHF 4.93

-39.63%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$6.11 €5.43

$5.36 CHF 4.41

13.99%

Water (0.33 liter bottle)

$4.57 €4.07

$4.78 CHF 3.94

-4.39%

Local Beer (0.5 liter draught)

$9.98 €8.87

$8.37 CHF 6.89

19.24%

Imported Beer (0.33 liter bottle)

$8.70 €7.74

$6.64 CHF 5.46

31.02%

Milk (1 liter)

$1.82 €1.62

$2.26 CHF 1.86

-19.47%

White Bread (500g)

$3.24 €2.88

$3.88 CHF 3.20

-16.49%

Rice (white) (1kg)

$4.08 €3.63

$4.56 CHF 3.76

-10.53%

Eggs

$4.97 €4.42

$7.32 CHF 6.03

-32.10%

Local Cheese (1kg)

$13.90 €12.36

$32.30 CHF 26.61

-56.97%

Chicken Fillets (1kg)

$16.91 €15.04

$29.04 CHF 23.91

-41.77%

Beef Round Steak (1kg)

$18.47 €16.43

$42.00 CHF 34.59

-56.02%

Apples (1kg)

$3.25 €2.89

$4.37 CHF 3.60

-25.63%

Banana (1kg)

$2.73 €2.43

$2.23 CHF 1.83

22.42%

Oranges (1kg)

$2.69 €2.39

$3.16 CHF 2.60

-14.87%

Tomato (1kg)

$3.57 €3.17

$6.74 CHF 5.55

-47.03%

Potato (1kg)

$2.37 €2.10

$2.50 CHF 2.06

-5.20%

Onion (1kg)

$2.85 €2.54

$2.60 CHF 2.14

9.62%

Lettuce (1 head)

$1.89 €1.68

$2.55 CHF 2.10

-25.88%

Water (1.5 liter bottle)

$7.79 €6.93

$1.22 CHF 1.01

538.52%

Cigarettes 20 Pack (Marlboro, Camel)

$14.26 €12.69

$10.72 CHF 8.83

33.02%

Wine (Bottle)

$6.61 €5.88

$12.93 CHF 10.65

-48.88%

Local Beer (0.5 liter bottle)

$1.56 €1.39

$3.24 CHF 2.67

-51.85%

Imported Beer (0.33 liter bottle)

$4.40 €3.92

$3.98 CHF 3.28

10.55%

One-way Ticket (Public Transport)

$2.27 €2.02

$5.27 CHF 4.34

-56.93%

Public Transport Monthly Pass (Regular Price)

$23.50 €20.90

$96.7 CHF 79.7

-75.70%

Taxi Start (Normal Tariff)

$5.54 CHF 4.56

Taxi (Normal Tariff) (1km)

$1.61 €1.43

$3.47 CHF 2.86

-53.60%

Taxi 1hour Waiting (Normal Tariff)

$90.6 €80.6

$61.0 CHF 50.2

48.60%

Gasoline (1 liter)

$2.23 €1.98

$2.23 CHF 1.83

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$48.8K €43.4K

$42.9K CHF 35.3K

13.78%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$38.4K €34.2K

$39.6K CHF 32.7K

-3.12%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$424 €377

$426 CHF 351

-0.67%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$42.44 €37.75

$32.07 CHF 26.42

32.34%

Internet (50+ Mbps, Unlimited Data)

$62.7 €55.7

$76.3 CHF 62.9

-17.93%

Gym Membership (Monthly)

$229 €204

$82.3 CHF 67.8

178.20%

Tennis Court (1 Hour on Weekend)

$52.6 €46.74

$33.66 CHF 27.72

56.12%

Cinema Ticket

$13.53 €12.03

$27.64 CHF 22.76

-51.05%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$2,155 €1,917

$1,810 CHF 1,491

19.02%

International Primary School, 1 Child (Yearly)

$44.4K €39.5K

$33.2K CHF 27.3K

33.86%

Jeans (Levis 501 Or Similar)

$152 €136

$184 CHF 152

-17.15%

Summer Dress (H&M, Zara, etc)

$82.0 €72.9

$145 CHF 119

-43.44%

Sport Shoes (Adidas, Nike)

$170 €151

$202 CHF 166

-15.77%

Men's Leather Business Shoes

$722 €642

$458 CHF 377

57.62%

1-bedroom Apartment, City Center (Monthly)

$9,333 €8,302

$2,266 CHF 1,866

311.94%

1-bedroom Apartment, Outside City Center (Monthly)

$8,266 €7,353

$1,671 CHF 1,376

394.69%

3-bedroom Apartment, City Center (Monthly)

$16.5K €14.7K

$3,710 CHF 3,056

345.66%

3-bedroom Apartment, Outside City Center (Monthly)

$8,429 €7,498

$2,498 CHF 2,058

237.41%

Buy Apartment in City Center (m2)

$72.1K €64.2K

$23.2K CHF 19.1K

211.31%

Buy Apartment Outside City Center (m2)

$55.0K €48.9K

$17.0K CHF 14.0K

223.06%

Average Monthly Net Salary (After Tax)

$8,751 €7,784

$6,453 CHF 5,314

35.62%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.25

2.48

31.05%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Monaco: October 19, 2026

Last update for Winterthur: October 17, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Monaco

$8.3K 79.3%

Winterthur

$1.7K 41.4% 79.8% $6.6K

Monthly Utilities & Internet

Monaco

$529 5.1%

Winterthur

$535 13.3% 1.2% $6.2

Clothing & Footwear

Monaco

$507 4.9%

Winterthur

$445 11% 12.2% $62

Groceries & Markets

Monaco

$473 4.5%

Winterthur

$646 16% 36.5% $173

Eating Out

Monaco

$349 3.4%

Winterthur

$462 11.4% 32.4% $113

Sport & Entertainment

Monaco

$256 2.5%

Winterthur

$138 3.4% 46.3% $118

Getting Around

Monaco

$41 * 0.4%

Winterthur

$141 3.5% 246% $100

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $9,333 in Monaco and $2,266 in Winterthur. Housing cost is often the main lever when comparing two cities.

Monaco pays 36% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $166 in Monaco vs $119 in Winterthur. Groceries flip the comparison at $473 vs $646, with Monaco cheaper for home cooking.

Good to know

🇲🇨 Monaco

🇨🇭 Winterthur

🕒 Local time

13:36 1:36 PM

Same time as Monaco

🌤 Weather

👥 Population

39,050 Capital

108,044

💱 Currency

Euro EUR €

Swiss Franc CHF Fr

📈 Exchange rate

1 EUR = 1.12 USD

1 CHF = 1.21 USD

1 CHF = 1.08 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Monaco Winterthur 430 km

From you

Monaco
Winterthur

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Monaco vs Winterthur: Cost of Living - Frequently Asked Questions

Monaco and Winterthur differ by about 158% in total monthly costs ($10.4K vs $4,037 including rent). Winterthur is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 36% higher in Monaco, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $9,333 in Monaco versus $2,266 in Winterthur. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Winterthur – a meal for two runs $119 versus $166 in Monaco. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $10.4K per month in Monaco versus $4,037 in Winterthur – a 158% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $5,000. Winterthur is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Monaco and Winterthur are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Winterthur gentler on the wallet – expenses run 158% less than in Monaco. Beyond cost, consider language, visa policies, and how big the international community is in each city.