What's it really like to live here?
The location check for any Swiss address: noise, sun, taxes, commute. Plus what the place costs you over ten years and the tax due when you sell.
Currently for Swiss addresses (CH + LI) · No account needed, reports are free to read.
Or try an example:
The 2027 premiums are out. See what changes where you live.
How a report looks
Three original excerpts from the example report (Bahnhofstrasse 1, Zurich). Easy to read, without giving everything away.
Excerpt · Life-Quality Score
81 out of 100, in the strong third
Factor values stay objective. The weighting for your life situation (family, commuter …) only determines what counts for you.
Excerpt · Road noise factor
Day 60–65 dB · Night 55–60 dB
The daytime band spans the immission limit of a residential zone (60 dB). In a mixed zone the limit is 65 dB.
Reliability 80 % FOEN sonBASE (official noise map)
The report shows weaknesses too. Every value comes with source and reliability.
Excerpt · Taxes at this address
Ø CHF 11’848/year
Assumption: single, income CHF 100'000. Shown free in the report.
Range depending on income (CHF 50’000–150’000): CHF 3’253–23’926/year.
Your exact value: in the dossier
See the full example report →Example preview · click an address above for your real report.
What the location costs you in francs
The free report shows you the location objectively. The dossier calculates what this location costs you over ten years: running, on purchase and on sale. For your situation, not for the average.
Your dossier: CHF 79 one-time, one search project
What do buying and selling cost?
Property transfer tax when you move in: in francs on your purchase price, at your canton’s rate. Property gains tax when you sell: by holding period, using your municipality’s tax multiplier.
What does this location cost you every year?
Taxes, health insurance, electricity and commuting. Calculated for your household, not for the average. Plus the total over ten years. And what changes next year, as soon as the new premiums and tariffs are published.
What could get expensive later on?
Heating renovation check: register entry, cantonal replacement rule, cost range. How the climate develops over 20 years. Contaminated sites: if the plot is in the register of contaminated sites, the dossier tells you what to ask before buying. Your tax at this place since 2018, year by year, next to the Swiss average.
Which address is the better one for you?
A search project with up to 6 addresses: each one comparable with every other, all personalised, plus floor-level personalisation and address swaps. And the ten-year comparison with your current home. Plus a viewing sheet with your questions on site and a decision sheet that puts all addresses side by side.
What the location adds up to over ten years
CHF 113,600
For a single person on 150k, living in Baar (ZG) instead of the city of Zurich. Both are within commuting distance of Zurich HB. As a family with children: CHF 88,000. Both at today's rates.
And without switching canton? Muri bei Bern instead of Ostermundigen (the second-nearest municipality, same agglomeration) comes to CHF 31,000 over ten years for a single person and CHF 19,500 for a family, also at today's rates. Here the smarter address is the cheaper one; you cannot guess this.
The Dossier (CHF 79) works this out for your address and your household: your case, not the median.
FTA 2026 tariff data at 150k gross income, today’s rates over ten years. Rounded down to CHF 100.
Free tools
- Switch health insurer
Compare the 2027 premiums in your region, see the deadline and create the cancellation letter.
- Check your rent
Work out whether your rent should go down with the reference rate and create the letter to your landlord.
Frequently asked
What does Ubivo cost?
The standard report is free and complete: all 65 factors with objective values and selectable weighting by life situation (Family, Commuter …). Only if you want to personalise the cost factors (commute time, taxes, health insurance, electricity) for your situation does the Dossier cost a one-off CHF 79. No subscription. Access to a paid report does not end. After 6 months you only get a note that tariffs and timetables may have been updated since. All prices incl. VAT.
Do I need an account?
No. You can read reports anonymously, and you don’t need to sign in before buying a Dossier either: you pay directly at Stripe and see the Dossier right away. So that you can open it later on other devices, we credit the purchase to an account (existing or newly created) with the email address you enter at Stripe and send you a login link there. Otherwise, an account is only needed to save addresses or store profiles. Anonymous queries aren’t linked to account data. We keep your IP address only briefly in temporary memory, to slow down excessive requests. It is never stored permanently and is deleted automatically shortly after.
Where does the data come from?
Exclusively from open data sources, mostly official Swiss agencies: swisstopo, FSO, FOEN, FOPH, ARE, FTA, ElCom, OFCOM, MeteoSwiss, Copernicus CAMS, Open-Meteo, transport.opendata.ch and OpenStreetMap. Every value in the report shows its source, date and reliability. You can check everything yourself.
Does Ubivo rate an address?
No. Ubivo provides objective data and an overall grade weighted by your life situation. The rating is up to you. A rural address near a farm is a plus for someone escaping the city, a minus for an allergy sufferer. Ubivo shows the values, you decide.
Who's behind Ubivo?
Ubivo is built and run by one person in Switzerland. All user data is hosted in a Swiss data centre (HostBott, Untervaz GR); no advertising, no data sharing. Details in the imprint and privacy policy.
Does Ubivo work for new builds and individual floors?
Also for new-build addresses (marker on the map) and floor-by-floor comparison (3rd vs 8th). For large developments with a stated data caveat for sunlight and noise.
Ready for your address?
Enter an address and see the full report. Free, no sign-up, in 65 factors.
Ubivo doesn’t rate addresses. We provide the data, you do the rating. Source, vintage and reliability shown per value; missing data declared transparently ("never guessed").