My nearest lowest tier rail bound mass transit system is the S-Bahn Hannover which uses Stadler FLIRT XL 3 at a top speed of 160km/h, yet they only serve Hannover and its immediate surroundings.

This is also the case with the S-Bahn Bern (using Stadler KISS), parts of the S-Bahn Rhine-Ruhr, the S-Bahn Bremen, S-Bahn Mitteldeutschland (Leipzig Halle), S-Bahn Dresden, S-Bahn Zurich and Wiener Schnellbahnen.

If you live near a big(ger) city in the DACH Region but not directly in it (meaning out of range of its Tram system) this is absolutely not uncommon.