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Appenzell AI – CHF 44,959/year Lugano TI – CHF 52,882/year Fribourg FR – CHF 59,652/year Schwyz SZ – CHF 45,252/year Aarau AG – CHF 53,537/year Neuchâtel NE – CHF 61,003/year Altdorf UR – CHF 46,011/year St. Gallen SG – CHF 55,566/year Basel BS – CHF 63,430/year Glarus GL – CHF 48,465/year Luzern LU – CHF 56,461/year Bern BE – CHF 65,703/year Sarnen OW – CHF 48,569/year Zug ZG – CHF 56,503/year Zürich ZH – CHF 69,126/year Herisau AR – CHF 50,347/year Solothurn SO – CHF 56,527/year Lausanne VD – CHF 73,440/year Frauenfeld TG – CHF 51,091/year Sion VS – CHF 56,831/year Genève GE – CHF 90,100/year Chur GR – CHF 52,404/year Winterthur ZH – CHF 58,417/year Appenzell AI – CHF 44,959/year Lugano TI – CHF 52,882/year Fribourg FR – CHF 59,652/year Schwyz SZ – CHF 45,252/year Aarau AG – CHF 53,537/year Neuchâtel NE – CHF 61,003/year Altdorf UR – CHF 46,011/year St. Gallen SG – CHF 55,566/year Basel BS – CHF 63,430/year Glarus GL – CHF 48,465/year Luzern LU – CHF 56,461/year Bern BE – CHF 65,703/year Sarnen OW – CHF 48,569/year Zug ZG – CHF 56,503/year Zürich ZH – CHF 69,126/year Herisau AR – CHF 50,347/year Solothurn SO – CHF 56,527/year Lausanne VD – CHF 73,440/year Frauenfeld TG – CHF 51,091/year Sion VS – CHF 56,831/year Genève GE – CHF 90,100/year Chur GR – CHF 52,404/year Winterthur ZH – CHF 58,417/year

Total cost per year – single person, CHF 150,000, rentingCost per year · single, 150,000, renting

Compare. Decide. Move in.

Your ideal place to live.
At the best price.

Compare the total annual cost of living in 2,110 Swiss municipalities – including housing costs, taxes and health insurance. Tailored to your household and your personal wishes. Free and without registration.

  1. Compare costsHousing costs, taxes and health insurance for your individual household – in every municipality.
  2. Set your wishesFilter by commute, education, public transport and character of the place.
  3. Discover the best placesMatching municipalities in a ranking – sorted by total cost.
Your Situation

So we can calculate the right tax profiles and costs for you.

Household

Single
Couple

Children

None
1 child
2 children
3+ children

Housing Preference

In m². Leave empty = average for your household (FSO). Larger homes cost a little less per m² – this is taken into account.

Income including investment income such as dividends and interest.

Net wealth: savings, securities and property (at tax value) minus debts and mortgages. If given, wealth tax is included in the taxes; allowances are taken into account.

Does not apply if your spouse is Swiss or holds a C permit. Cross-border commuters are not covered.

Canton of residence (optional)

Primary Residence Only
Excludes tourist municipalities with >20% second home share
Find: ranking of all municipalities by total costs & various other criteria. Compare: put specific municipalities side by side.
2,110Municipalities
9Criteria
over 50%TAX GAP AT ANY INCOME
CHF 3,400PREMIUM GAP PER ADULT/YEAR
Frequently Asked Questions
How does the municipality comparison work?

You enter your personal situation (marital status, children, income, housing preference) and the finder calculates the annual total costs in francs for all Swiss municipalities – income tax, rent or purchase costs and health insurance premiums. Municipalities are sorted by total cost.

What data is used for the comparison?

The finder evaluates nine criteria from official data sources: tax burden (FTA 2026), health insurance premiums (FOPH Priminfo 2027), rent and purchase prices, commute time (2027 timetable, NPVM 2023), education (FSO 2023), internationality, population growth, family-friendliness and second home share (ARE 2026). All data is regularly updated.

What do the total costs per year mean?

The total costs are the sum of income tax (optionally with wealth tax), annual housing costs (rent or purchase, calculated for a household-typical living area) and health insurance premiums – a concrete figure in francs per year. The cheapest municipalities are shown in green, the most expensive in red.

How current is the tax data?

Tax data comes from the most recent tax burden statistics of the Swiss Federal Tax Administration (FTA), currently for tax year 2026. It covers federal, cantonal and municipal taxes, excluding church tax. The finder calculates the effective tax burden individually based on marital status, number of children and income level – giving you a tax burden tailored to your situation rather than a general tax multiplier.

All deductions that can be claimed without proof are included. Deductions that depend on your actual expenses – such as commuting or childcare costs – are not included, so your actual tax may be lower.

Can I also compare properties to buy?

Yes – select «Buy» under «Housing Preference». The finder then shows purchase prices per m² instead of rents. The max. price filter refers to the purchase price per m² in this mode.

How is commute time calculated?

Public-transport commute times are pre-computed for all municipalities from the official 2027 timetable (opentransportdata.swiss) – they appear instantly. Shown is the fastest connection on a weekday morning (departure 6–9 am) from the best-connected stop in your home municipality to the workplace's main station, incl. transfers. Not included are the walk to the stop and waiting before departure; how often the train or bus runs is not counted. Car times come from the NPVM 2023 national transport model (ARE) and include typical traffic. If there is no morning connection, «–» is shown.

Why does the choice of municipality matter?

In Switzerland, the tax burden varies considerably: while Zug municipalities with around 8–9% are among the cheapest, Neuchâtel municipalities average around 23%. For a single person with CHF 150,000 gross income, this means a difference of several thousand francs per year.

Add to this the differences in health insurance premiums: depending on the premium region, the average adult premium differs by up to around CHF 3,400 per year (FOPH Priminfo 2027).

Tax-favourable municipalities in Switzerland

The most tax-favourable cantons are Zug, Schwyz and Nidwalden. With the Immoskop municipality comparison you can directly compare all Swiss municipalities according to your personal criteria.

Comparing Swiss municipalities: What matters?

Beyond taxes, many other factors matter: how high are rent and purchase prices? What is the educational environment for families? And how high are health insurance premiums? Immoskop bundles all this information – free and without registration.

Sources

Taxes FSTA 2026 · Premiums FOPH 2027 · Population and education FSO · Commute times ARE · Property prices third-party market data

All information without guarantee. Not investment advice.