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.
A municipal report tells you the noise is “moderate”. We tell you how loud it is at your façade.
Currently for Swiss addresses (CH + LI) · No account needed — reports are free to read.
Free report
All 64 location factors for any address — instantly, no account needed
One-time purchase, no subscription. The standard report always stays free.
Also for new-build addresses (marker on the map) and floor-by-floor comparison (3rd vs 8th). For large developments with an honest data caveat for sunlight and noise.
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 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 Deep Report (CHF 79) works this out for your address and your household — for your case, not the median.
FTA 2026 tariff data at 150k gross income, today’s rates over ten years. Rounded down to CHF 100.Compare two addresses? Open A/B comparison →
Preview
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 63 dB · Night 58 dB
Exposed — above the legal immission limit
Reliability 80 % FOEN sonBASE (official noise map)
Honest weaknesses are in the report too — every value 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
Example preview · click an address above for your real report.
What you get when you buy
From location facts to what it 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.
Deep Report only — the full calculation
When you buy
Property transfer tax in francs on your purchase price, at your canton’s rate.
Ten years of living there
Running costs, purchase costs and one heating replacement — as a single figure.
When you sell
Property gains tax by holding period, using your municipality’s multiplier.
Three numbers, one decision. CHF 79 once — against a purchase running into the hundreds of thousands.
Dossier for your purchase decision
- Tax burden calculated on your income + household
- Health-insurance premiums for your age + deductible + family
- Electricity prices for your household (flat, house, heat pump …)
- School ratings matched to your children's ages + the long-term climate over 20 years
- Search project with up to 6 addresses
- Ten-year total: running costs, purchase costs and a due heating replacement in a single figure
- Your annual location costs: taxes, health insurance, electricity and commuting as one total with municipal rank
- Documented tax dossier – tax by federal, cantonal and municipal share, quotable for a bank meeting
- Purchase costs: property transfer tax in francs on your purchase price
- Exit costs: property gains tax by holding period, using your municipality’s tax multiplier
- Heating renovation check: register entry, cantonal replacement rule and cost range
- Price context: what was actually paid in this municipality (currently canton of Zurich)
- 10-year cost comparison with your current home
- Municipal tax-burden trend (since 2018)
Comparison pool in the search project
- Compare every address with every other, all personalised
- Floor-level personalisation for noise, air, sun
- Swap an address when your search changes
- 6 months' access, one-time purchase — no subscription
Features
What Ubivo measures — 64 factors in 6 themes
of which 56 in the score · 8 as context without rating (e.g. landscape type, language region)
Every value comes from an official source and is shown in the report with reliability, data vintage and explanation. ★ = in the Dossier, additionally personalisable for your life situation.
Location & site12 factors
- Sunlight (actual)
- Altitude
- Landscape type
- Language region
- Building zone
- Rooftop solar potential
- Proximity to nature
- Building
- View / openness
- Winter sun / fog
- Lake/river proximity
- Light pollution
Noise & air15 factors
- Climate trend
- Air quality
- Long-term air pollution (NO₂/fine particles)
- Rail noise
- Road traffic load
- Aircraft noise
- Road noise
- Hot days per year
- Frost days
- Heating demand (degree days)
- Snow days
- Summer solar radiation
- Fog days
- Storm days
- Rain days
Risks10 factors
- Radon risk
- Ground & earthquakes
- Flood hazard
- High-voltage line
- Road-accident density
- Slope natural hazards
- Fire station
- Mobile-phone antennas
- Farm nearby
- Hail risk
Mobility & accessibility8 factors
- Public transport access
- Travel time to city centres
- Internet connection
- Commute time to workplace
- EV charging station
- Cycling infrastructure
- Distance to motorway entrance
- Carsharing station
Social structure & amenities14 factors
- Local amenities
- Second-home share
- Secondary school II
- Nearest hospital
- Population trend
- Vacancy rate
- Safety (crime)
- Pharmacy nearby
- Sports facilities
- Swimming pool
- Restaurant density
- Playground nearby
- Primary school nearby
- Age structure
Costs & finances5 factors
- Tax burden
- Health insurance premium
- Electricity prices
- Wealth tax
- Property tax
Ubivo draws exclusively on official, open Swiss data sources (swisstopo, FSO, FOEN, FOPH, FTA, ElCom, OFCOM, MeteoSwiss, OpenStreetMap and more). Transparent, no black box. All sources →
Who it's for
Use cases
- Apartment hunting
Before viewing a listing, see the objective values. Skip the trip to apartments with north exposure, poor public transport, or no pharmacy in the neighbourhood.
- Home purchase · Decision
Taxes + health insurance + electricity prices add up to tens of thousands of CHF over the years of ownership. The dossier calculates these three plus commute time precisely for your case.
- Relocation to Switzerland
You don't yet know your target region in detail. Ubivo gives you sober facts per address — what would otherwise take you a long time to research in a country with 26 cantons.
- Families · Retirees
Ubivo weights playground, primary school, hospital, pharmacy and safety according to your life situation (e.g. “Family”). Factor values stay objective; only the weighting adapts.
- New-build flat · Tower floor
Listing says "sunny, quiet"? Drop a marker on the map and pick your floor — you see the real values per storey for noise, air and sunlight. For large developments with transparent caveat about neighbouring buildings not yet recorded.
Questions
Frequently asked
What does Ubivo cost?
The standard report is free and complete — all 64 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 is valid for 6 months. All prices incl. VAT.
Do I need an account?
No — you can read reports anonymously. An account is only needed to save addresses, store profiles or buy a Dossier. 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 official Swiss Open Data sources: 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.
What does the “lens” in the report mean?
A preset that defines what matters to you. "Family" counts school, playground and safety more strongly, "Commuter" public transport and commute time. The measured values always stay the same — only the overall grade shifts.
Why does the wealth tax have no score?
Swiss taxes are often progressive — the rate climbs with wealth, and differently in every canton. A single estimated number would only pretend to be precise. That's why Ubivo shows these factors as "Context" — with the real multipliers each canton and municipality applies and the type of tariff — and links to the official federal tax calculator (FTA) for the exact figure. Swiss precision instead of a rough guess.
Does Ubivo rate an address?
No. Ubivo provides objective data and an overall grade weighted by your life situation (chosen lens) — 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.
Ready for your address?
Enter an address and see the full report — free, no sign-up, in 64 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").