Taxes & Cost of Living in Lema
Lema · Canton of TI
Health insurance, taxes and electricity in Lema at a glance, and where it is cheaper nearby.
Costs
What you pay here per year
For a couple without children earning CHF 100,000
- Health insurance
- CHF 18,336 a year
- Taxes
- CHF 8,630 a year
- Electricity
- CHF 1,166 a year
2 adults at CHF 764 a month each · Deductible 300, median of all insurers · Premiums 2027
Compared with 2026 that is CHF 24 more per month per adult, about CHF 288 a year.
Income tax · Tax year 2026
Household using 4,500 kWh, 25.91 cent./kWh · Tariff 2027
Calculate precisely for your address
The figures above apply to the whole municipality. With your address you see what applies at exactly that spot, free and without an account.
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 6,641
- Municipality
- CHF 6,309
- Church
- CHF 0
- Poll tax
- CHF 20
FTA reference profile: single earner with CHF 100,000 gross income, in CHF per year.
Health insurance premium
CHF 764 per month
Premium region 1
Adults, standard model with deductible 300, median across all insurers (2027).
Cheapest insurers 2027
Adults, standard model, deductible 300, per month
- 1. AgrisanoCHF 713.00
- 2. GalenosCHF 726.60
- 3. AquilanaCHF 732.50
Worth switching? Compare the 2027 premiums in your region and create the cancellation letter. It must reach your insurer by 30 November 2026. Switch health insurer
Premiums since 2011
+93.1 %
cantonal premium since 2011
Canton of Ticino: CHF 390 → CHF 753 per month (2011 → 2027)
Switzerland over the same period: +79.5 %
Lema belongs to premium region Ticino 1.
Premium region Ticino 1, 2026 → 2027: CHF 24 more per month (+3.2 %)
Cantonal value, not a value for the municipality of Lema: median of all offers in the canton for one adult (standard model with accident cover, deductible 300), calculated the same way every year. There is no series per municipality.
Electricity price
25.91 cent./kWh · CHF 1,166 per year
Standard household H4 (4,500 kWh), median of local grid operators, ElCom 2027.
All together, a couple without children earning CHF 100,000 pays about CHF 28,132 a year in Lema for taxes, health insurance and electricity. That is rank 1,427 of 2,110 Swiss municipalities; rank 1 is the cheapest.
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 9,680 · health insurance 9,168 · electricity 1,166 | CHF 20,014 | 1,180 / 2,110 | 95 / 100 |
Couple, no children · CHF 100,000 Tax CHF 8,630 · health insurance 18,336 · electricity 1,166 | CHF 28,132 | 1,427 / 2,110 | 94 / 100 |
Family, 1 income · CHF 100,000 Tax CHF 3,020 · health insurance 22,284 · electricity 1,166 | CHF 26,470 | 1,392 / 2,110 | 92 / 100 |
Retired couple · CHF 80,000 Tax CHF 7,032 · health insurance 18,336 · electricity 1,166 | CHF 26,534 | 1,503 / 2,110 | 94 / 100 |
Housing & environment
Vacancy rate
1.94% vacant dwellings
FSO vacant-dwelling count, reference date 1 June 2025.
Second homes
40.1 % second-home share
Above the 20 % threshold. Under the Second Homes Act, no new second homes may be built here.
Source: ARE, housing inventory, second-home share.
Population & demographics
2,667 residents
+1.1% over ten years (2015 → 2025)
13% children · 26% aged 65+
Source: FSO (2025).
Climate and environment in the municipality
How many hot, cold, wet and foggy days there are per year, and how high the radon probability is. Climate values averaged over the lower-lying parts of the municipality, radon at the municipal centroid.
- Hot days (30 °C+)
- 7
- Frost days (below 0 °C)
- 57
- Rain days (1 mm+)
- 109
- Snow days
- 2
- Fog days (Oct–Feb)
- 18
- Storm days (70 km/h+)
- 2
- Heating degree days
- 1,974
- Summer sun (kWh/m² per day)
- 5.5
- Radon probability (%)
- 20
Source: MeteoSwiss (official climate grids, 1 km); storm days: Copernicus ERA5, data via Open-Meteo.com. Annual mean 2023-2025. Average over the municipality's 1 km cells up to 300 m above its lowest point, where people mostly live. In large mountain municipalities the main village can lie higher. That is meaningful for the municipality but 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 TI
These figures apply canton-wide, not just to this municipality. The data only exists at cantonal level.
Property transfer tax on purchase
1.20 % of the purchase price
Depending on the municipality 1.10–1.30 % (optional municipal levy).
Replacing a fossil heating system
Minimum renewable share required
At least 10 % renewable when replacing a fossil heating system in residential buildings (RUEn art. 29; LEn/RUEn amendments as of 1.1.2024); central electric heaters must be replaced by 31.12.2038.
As of 07/2026 · checked against the cantonal primary source
Property tax
Levied
1 ‰ of the taxable value
Mandatory municipal tax of 1‰ of the tax value. The cantonal property tax applies only to legal entities (1,5‰ ord., 3‰ for associations/foundations).
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)
40.1 per 1,000 inhabitants
FSO police crime statistics 2025, offences under the Criminal Code by canton.
Surroundings
Cost map of the Canton of TI
Each municipality is coloured by its total annual cost; Lema is highlighted.
Click any municipality to open it. Blue outline: cheaper than here.
To the interactive cost-of-living map →Also check these municipalities
Municipalities within 15 km as the crow flies that do clearly better than Lema on at least one point. Costs are for a couple without children earning CHF 100,000 (taxes, health insurance and electricity), the same household as above.
- Sorengo (TI)7 km as the crow flies
- about CHF 1,200 lower total annual cost
- 22 minutes shorter to the nearest major centre
- Paradiso (TI)9 km as the crow flies
- about CHF 1,400 lower total annual cost
- 19 minutes shorter to the nearest major centre
- Massagno (TI)8 km as the crow flies
- 22 minutes shorter to the nearest major centre
- Collina d'Oro (TI)7 km as the crow flies
- about CHF 1,400 lower total annual cost
- 17 minutes shorter to the nearest major centre
- Porza (TI)9 km as the crow flies
- about CHF 1,500 lower total annual cost
- 16 minutes shorter to the nearest major centre
Travel time: minutes to the nearest major centre, the better of public transport and car (ARE); your own commute may differ. Fog and snow days: mean 2023-2025 (MeteoSwiss). Rents and property prices are not included, as there is no data for each municipality.
Nearby municipalities
The municipalities closest to Lema, with the same cost data.
Working in Lema? Places within 30 minutes by public transport, sorted by cost
Where Lema stands nationally
The same figures, compared with every municipality.
Frequently asked questions about Lema
- How high are the taxes in Lema?
- A single earner with CHF 100,000 gross income pays an income tax of about CHF 14,671 per year in Lema (federal, cantonal, municipal and church combined, FTA 2026).
- What does living in Lema cost?
- For a couple without children, tax, health insurance and electricity add up to about CHF 28,132 per year in Lema. That is rank 1,427 of 2,110 among all Swiss municipalities.
- Are there cheaper municipalities near Lema?
- Yes: around Lema some municipalities have a lower total cost for the same profile. The section “Also check these municipalities” on this page lists nearby municipalities with their advantages and drawbacks in figures.
Your address in Lema, calculated precisely
Municipality values are an approximation. The Dossier calculates at address level, with deductions, wealth, deductible choice, commute time and over 60 location factors.
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