Municipality profile
Taxes & Cost of Living in Horgen
Horgen · Canton of ZH
Here is how expensive life in Horgen is compared to all ~2,100 municipalities in Switzerland — income tax, health insurance premium and electricity in one honest annual figure, calculated with the same engine as our address-precise location reports.
Total-cost rank 436 of 2,124 in Switzerland for a couple without children — about CHF 22,453 per year for tax, health insurance and electricity.
Tax rate Horgen
90 % (municipal tax multiplier excluding church tax, applied to the simple state tax)
Municipal tax rate 2026 as published by the canton. Tax rates are not comparable across cantons — the label states what the figure refers to. The amount in francs is in the table below.
Total annual cost by profile
Tax + health insurance + electricity per year for four standard households, with the rank among all Swiss municipalities and within the canton.
| Household | Total cost/year | Rank CH | Rank canton |
|---|---|---|---|
Single · CHF 80,000 Tax CHF 6,992 · health insurance 6,996 · electricity 1,171 | CHF 15,159 | 134 / 2,124 | 55 / 160 |
Couple, no children · CHF 100,000 Tax CHF 7,290 · health insurance 13,992 · electricity 1,171 | CHF 22,453 | 436 / 2,124 | 117 / 160 |
Family, 1 income · CHF 100,000 Tax CHF 3,620 · health insurance 16,656 · electricity 1,171 | CHF 21,447 | 650 / 2,124 | 135 / 160 |
Retired couple · CHF 80,000 Tax CHF 5,744 · health insurance 13,992 · electricity 1,171 | CHF 20,907 | 409 / 2,124 | 130 / 160 |
Tax split: municipality versus canton
How income tax is split across the levels of government — the municipal share is the lever that moving home shifts.
- Federal
- CHF 1,701
- Canton
- CHF 4,494
- Municipality
- CHF 4,257
- Church
- CHF 0
- Poll tax
- CHF 24
FTA reference profile: single earner with CHF 100,000 gross income, in CHF per year.
Tax-burden trend 2018 → 2026
9.3 % → 10.5 % of income
Up 1.17 percentage points
Reference profile of the FTA index: single, CHF 100,000 gross income. Shows where this municipality’s tax burden has moved — across Switzerland 1,605 municipalities became more expensive and 419 cheaper. Your own burden depends on income and household; the location report computes it.
Health insurance premium
CHF 583 per month
Premium region 2
Adults, standard model with deductible 300, median across all insurers (2026).
Electricity price
26.02 cent./kWh — CHF 1,171 per year
Standard household H4 (4,500 kWh), median of local grid operators, ElCom 2026.
Vacancy rate
0.39% vacant dwellings
FSO vacant-dwelling count, reference date 1 June 2025.
Second homes
9.8 % second-home share
Below the 20 % threshold at which the Second Homes Act blocks new second homes.
Source: ARE, housing inventory, second-home share.
Population & demographics
24,641 residents
+10.2% over ten years (2015 → 2025)
16% children · 19% aged 65+
Source: FSO (2025).
Climate and environment in the municipality
How many hot, cold, wet and foggy days per year — and how high the radon probability is. Measured at the municipal centroid.
Hot days (30 °C+)
3
Frost days (below 0 °C)
65
Rain days (1 mm+)
170
Snow days
48
Fog days (Oct–Feb)
44
Storm days (70 km/h+)
2
Heating degree days
2,422
Summer sun (kWh/m² per day)
5.2
Radon probability (%)
4
Source: Open-Meteo (ERA5 reanalysis), annual mean 2023-2025. Measured at the municipal centroid on a roughly 9 km grid — meaningful for the municipality, too coarse for a single address. The location report computes the exact value. Radon: FOPH radon map, modelled exceedance probability at the municipal centroid.
What applies in canton ZH
These three figures apply canton-wide, not just to this municipality — the data only exists at cantonal level.
Property transfer tax on purchase
None
Replacing a fossil heating system
Renewable replacement effectively mandatory
Mandatory replacement of fixed electric resistance heaters and central electric water heaters by 2030.
As of 07/2026 · checked against the cantonal primary source
Property tax
None
The canton does not levy this tax in any form (ESTV-PDF Tabelle S. 2).
As of 01.01.2025
Wealth tax structure
Progressive
The amount depends on your municipality’s tax multiplier — the location report computes it. This only shows how the canton structures the tariff.
As of 01.01.2024
Offences (canton)
65.9 per 1,000 inhabitants
FSO police crime statistics 2025, offences under the Criminal Code by canton.
Cost map of the Canton of ZH
Each municipality is coloured by its total annual cost; Horgen is highlighted.
Click any municipality to open it. Blue outline: cheaper than here.
To the interactive cost-of-living map →Cheaper neighbouring municipalities
Nearest municipalities with lower total cost for a couple without children (CHF 100,000):
Nearby municipalities
The municipalities closest to Horgen — with the same cost data.
Where Horgen stands nationally
The same figures, compared with every municipality.
Frequently asked questions about Horgen
- How high are the taxes in Horgen?
- A single earner with CHF 100,000 gross income pays an income tax of about CHF 10,476 per year in Horgen (federal, cantonal, municipal and church combined, FTA 2026).
- What does living in Horgen cost?
- For a couple without children, tax, health insurance and electricity add up to about CHF 22,453 per year in Horgen — rank 436 of 2,124 among all Swiss municipalities.
- Are there cheaper municipalities near Horgen?
- Yes: around Horgen some municipalities have a lower total cost for the same profile — the neighbour comparison on this page shows them with the annual saving.
The exact truth for your address in Horgen
Municipality values are an approximation. The Deep Report calculates address-precise — with deductions, wealth, deductible choice, commute time and over 60 location factors.
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