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Location profile for

Horw

Lucerne · 15'817 inhabitants
…
estimated total cost per year
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TaxesHealth Ins.PTCarNatureEducationSafetyFamilies2nd Home
Quality of lifeCosts & commute
HorwCanton LUCH Ø
Further out always means better — for costs and commutes: cheaper or faster.
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Location profile

Key location factors for Horw at a glance.

Costs

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Tax burden
14.6 %
↓ Low
Effective tax burden — roughly CHF 21,874 on an income of CHF 150,000. Rank 7 of 79 municipalities in Lucerne.
CH median 19.8 %
8 % 16.5 % 25 %
Single, without church tax · FTA 2025
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Health insurance
CHF 446
≈ CH median
Average monthly premium for adults 2027. CHF 446 / month.
CH median ca. CHF 450
CHF 300 CHF 450 CHF 600
ChildCHF 117 Young adultCHF 310
FOPH Priminfo 2027 · average premium across all deductibles and models

Property prices

Rent (apartment)
High
More expensive than 88 % of all municipalities in Switzerland and 94 % in LU.
Typical range CHF 25–38 per m² / month · median
Buy (apartment)
Very high
More expensive than 94 % of all municipalities in Switzerland and 95 % in LU.
Typical range CHF 9–14k per m² · median
Buy (house)
Very high
More expensive than 96 % of all municipalities in Switzerland and 97 % in LU.
Typical range CHF 10–16k per m² · median
House prices vary considerably depending on plot, buildability and location within the municipality.

Source: third-party market data · July 2026 · asking rents from listings

Vacant homes
0.3 %
Tight market
0.3 % of all homes are vacant — 25 units, as of 1 June 2025. Below 1 % the market counts as tight, from 2 % as loose.
0 %1.5 %3 %
Source: FSO, vacant dwelling count

Commutes

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Public Transport
ZugZG48 min
OltenSO65 min
Wohlen (AG)AG70 min
Luzern LU 18 min
Zürich ZH 78 min
Bern BE 94 min
NPVM 2023 · ARE
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Car commute
ZugZG34 min
OltenSO49 min
Wohlen (AG)AG58 min
Luzern LU 10 min
Zürich ZH 52 min
Bern BE 91 min
Normal traffic · NPVM 2023

Quality of life

Land use
42.4 %
42.4 % forest, 28.3 % built-up area, 27.3 % farmland. The nearest forest edge is a median 100 metres away.
Source: FSO, land use statistics
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Safety
32.5 ‰
Very safe
32.5 offences per 1,000 residents (Swiss Criminal Code, 2025). Rated against municipalities of the same size class (10,000–20,000, median 52.0) — not the national average.
Median of size class
Excludes narcotics and immigration law (enforcement-driven offences) · FSO Police Crime Statistics 2025
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Education
49 %
↑ Above average
Tertiary level · CH Ø 35 %
Tertiary level
49 %
Upper secondary
40 %
Compulsory
11 %
FSO Structural Survey 2023
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Demographics
15'817 inhabitants
Children
16.7 %
Seniors 65+
21.5 %
Foreign nat.
18.6 %
Growth 5yr
+11.1 %
STATPOP 2024 · FSO
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Second homes
8.8 %
✓ No restriction
Share of second homes in housing stock (8,056 units total). Below the 20% threshold — no second-home restrictions.
20 % threshold
0 % 30 % 60 %
Primary residence share 91.16 % · ARE 2025
Building structure
Single-family house
50 %
Building with 2 units
15 %
Multi-family house
33 %
1988 Median build year 39 % of which pre-1980 15 % Heat pump (from 2015) 3.6 Avg. rooms 102 m² Avg. floor area

Horw has a mixed building structure: 50 % single-family, 33 % multi-family and 15 % 2-unit buildings.

The median build year 1988 is close to the Swiss average (1991). 39 % of buildings date from before 1980.

Heat pumps are recorded in 15 % of updated GWR entries (from 2015).

FSO Register of Buildings and Dwellings (GWR) 2026

Is Horw right for you? Compare all 2,110 municipalities

Taxes, health insurance, housing costs and commute times — for every Swiss municipality.

What speaks for Horw

What to watch in Horw

Frequently asked questions

Wie teuer ist Wohneigentum in Horw im Vergleich zu anderen Gemeinden?

Der Kaufpreis für Wohnungen liegt bei CHF 11'391 pro m2, was höher ist als in 94% aller Schweizer Gemeinden. Auch die Mieten mit CHF 30.70 pro m2 und Monat liegen über dem Niveau von 88% aller Gemeinden.

Wie stehen die Chancen, in Horw eine Wohnung zu finden?

Der Wohnungsmarkt gilt mit einer Leerwohnungsziffer von 0.31% (2025) als knapp. Das Angebot an verfügbaren Wohnungen ist entsprechend eingeschränkt.

Wie hoch ist die Steuerbelastung in Horw?

Bei einem Bruttoeinkommen von CHF 150'000 (alleinstehend, ohne Kirchensteuer) liegt die Steuerbelastung bei 14.6%, das entspricht CHF 21'874. Damit ist Horw günstiger als 95% aller Schweizer Gemeinden.

Wie naturnah ist die Umgebung von Horw?

Im Umkreis von Horw gibt es mehr unversiegelte Fläche als bei 84% aller Schweizer Gemeinden, zudem liegt die Gemeinde an einem Grossee. Innerhalb der Gemeinde selbst sind 42% Wald, 27% Landwirtschaft und 28% Siedlungsfläche.

Wie setzt sich die Bevölkerung in Horw zusammen?

Horw zählt 15'817 Einwohner, wobei 16.7% unter 15 Jahren und 21.5% ab 65 Jahren alt sind. In den letzten 5 Jahren ist die Bevölkerung um 11.1% gewachsen.

What do these prices mean?

Rents in the range of CHF 28-34/m²/mo. serve as a reference value for market-rate listings in Horw. Individual listings may vary significantly depending on location, condition, and floor.

Prices & location in Horw — quick answers

What does a rental apartment in Horw cost per month?

Rental prices in Horw are currently typically in the range CHF 28-34 per m² per month (range depending on location, condition and floor). A 70 m² apartment thus comes to roughly CHF 2,000–2,300 per month — the effective market range starts lower for small apartments and rises disproportionately for large ones.

What does an owner-occupied apartment in Horw cost per m²?

The m² price for owner-occupied apartments in Horw is typically in the range CHF 10'800-12'000 per m². The actual range depends heavily on location, year built, finish standard and views.

What does a single-family house in Horw cost?

The m² price for houses in Horw is typically in the range CHF 11'200-14'400 per m² (defensive range ±12 %). House prices vary considerably depending on plot size, buildability and micro-location within the municipality — a direct m² comparison serves only as an initial orientation.

How high is the tax burden in Horw?

The effective tax burden in Horw is 14.6 % on income — for a gross income of CHF 150,000 (single, without church tax) this amounts to roughly CHF 21,874 per year. The Swiss median is 19.8 %; the burden in Horw is below. Source: Swiss Federal Tax Administration tax burden statistics 2025.

Are there second-home restrictions in Horw?

No — in Horw the share of second homes is 8.8 %, below the 20 % threshold. The second-home law does not apply here, and new second homes are generally permitted. Source: Federal Office for Spatial Development (ARE), 2025.

How can I estimate a property's value in Horw?

A first reference point is the local price per square metre: in Horw the median is around CHF 11'391 per m² for condominiums. A realistic estimate also factors in location, year of construction, condition, fit-out quality and view. How the price compares with other municipalities is shown by the Immoskop municipality comparison: all 2’110 municipalities by housing costs, taxes and health insurance premiums — as guidance, not a substitute for an official or bank-verified valuation.

Property prices nearby

Municipalities nearby, ordered by driving time — purchase price difference to Horw colour-coded.

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