Municipality profile
Taxes & Cost of Living in Horw
Horw · Canton of LU
Here is how expensive life in Horw 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 665 of 2,098 in Switzerland for a couple without children — about CHF 23,152 per year for tax, health insurance and electricity.
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 8,504 · health insurance 6,756 · electricity 1,140 | CHF 16,400 | 355 / 2,098 | 17 / 80 |
Couple, no children · CHF 100,000 Tax CHF 8,500 · health insurance 13,512 · electricity 1,140 | CHF 23,152 | 665 / 2,098 | 35 / 80 |
Family, 1 income · CHF 100,000 Tax CHF 4,630 · health insurance 16,104 · electricity 1,140 | CHF 21,874 | 797 / 2,098 | 73 / 80 |
Retired couple · CHF 80,000 Tax CHF 6,952 · health insurance 13,512 · electricity 1,140 | CHF 21,604 | 644 / 2,098 | 45 / 80 |
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 1,705
- Canton
- CHF 5,234
- Municipality
- CHF 4,896
- Church
- CHF 0
- Poll tax
- CHF 50
FTA reference profile: single earner with CHF 100,000 gross income, in CHF per year.
Health insurance premium
CHF 563 per month
Premium region 1
Adults, standard model with deductible 300, median across all insurers (2026).
Electricity price
25.33 cent./kWh — CHF 1,140 per year
Standard household H4 (4,500 kWh), median of local grid operators, ElCom 2026.
Vacancy rate
0.31% vacant dwellings
FSO vacant-dwelling count, reference date 1 June 2025.
Population & demographics
15,817 residents
+14.5% over ten years (2014 → 2024)
14% children · 22% aged 65+
Source: FSO (2017).
Cost map of the Canton of LU
Each municipality is coloured by its total annual cost; Horw is highlighted.
Cheaper neighbouring municipalities
Nearest municipalities with lower total cost for a couple without children (CHF 100,000):
Frequently asked questions about Horw
- How high are the taxes in Horw?
- A single earner with CHF 100,000 gross income pays an income tax of about CHF 11,885 per year in Horw (federal, cantonal, municipal and church combined, FTA 2025).
- What does living in Horw cost?
- For a couple without children, tax, health insurance and electricity add up to about CHF 23,152 per year in Horw — rank 665 of 2,098 among all Swiss municipalities.
- Are there cheaper municipalities near Horw?
- Yes: around Horw 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 Horw
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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