Cost map by canton

Cost of living in the canton of St. Gallen: every municipality compared

Balgach is the cheapest municipality in the canton of St. Gallen: CHF 20,874 per year for taxes, health insurance and electricity. The most expensive is St. Gallen at CHF 25,337, a spread of CHF 4,463 per year.

Calculated for a couple without children with a gross income of CHF 100,000 (health insurance with CHF 300 deductible, electricity standard household H4). This is the same household as on the municipality pages. The values are approximations at municipality level; what a household pays depends on deductions, wealth and address.

Map of the canton of St. Gallen

Coloured by annual cost within the canton. Every municipality leads to its page.

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With your own household and income: open the interactive map →

All 75 municipalities in the canton of St. Gallen

Annual cost for the standard profile, from cheapest to most expensive. Each column names its source and data year; the total mixes years and therefore carries no year of its own.

Rank	Municipality	Total per yearsum of the three	TaxesFTA 2026	Health insuranceFOPH 2027	ElectricityElCom 2027
1	Balgach	CHF 20,874	CHF 6,820	CHF 12,816	CHF 1,238
2	Sennwald	CHF 21,301	CHF 7,140	CHF 12,816	CHF 1,345
3	Widnau	CHF 21,321	CHF 7,350	CHF 12,816	CHF 1,155
4	Mörschwil	CHF 21,480	CHF 7,030	CHF 13,296	CHF 1,154
5	Rapperswil-Jona	CHF 21,609	CHF 7,280	CHF 13,296	CHF 1,033
6	Diepoldsau	CHF 21,903	CHF 7,670	CHF 12,816	CHF 1,417
7	Berneck	CHF 21,964	CHF 7,920	CHF 12,816	CHF 1,228
8	Tübach	CHF 22,012	CHF 7,460	CHF 13,296	CHF 1,256
9	Thal	CHF 22,273	CHF 7,810	CHF 13,296	CHF 1,167
10	Oberriet (SG)	CHF 22,284	CHF 8,020	CHF 12,816	CHF 1,448
11	Grabs	CHF 22,535	CHF 8,200	CHF 12,816	CHF 1,519
12	Marbach (SG)	CHF 22,546	CHF 8,270	CHF 12,816	CHF 1,460
13	Bad Ragaz	CHF 22,553	CHF 7,920	CHF 13,296	CHF 1,337
14	Altstätten	CHF 22,602	CHF 8,440	CHF 12,816	CHF 1,346
15	Eichberg	CHF 22,682	CHF 8,340	CHF 12,816	CHF 1,526
16	Rüthi (SG)	CHF 22,741	CHF 8,510	CHF 12,816	CHF 1,415
17	Goldach	CHF 22,769	CHF 8,160	CHF 13,296	CHF 1,313
18	Amden	CHF 22,793	CHF 8,160	CHF 13,296	CHF 1,337
19	Au (SG)	CHF 22,816	CHF 8,160	CHF 13,296	CHF 1,360
20	Nesslau	CHF 22,843	CHF 8,690	CHF 12,816	CHF 1,337
21	Rebstein	CHF 22,860	CHF 8,480	CHF 12,816	CHF 1,564
22	Bütschwil-Ganterschwil	CHF 22,904	CHF 8,870	CHF 12,816	CHF 1,218
23	Gommiswald	CHF 22,933	CHF 8,300	CHF 13,296	CHF 1,337
24	Wildhaus-Alt St. Johann	CHF 22,983	CHF 8,830	CHF 12,816	CHF 1,337
25	St. Margrethen	CHF 23,003	CHF 8,510	CHF 13,296	CHF 1,197
26	Neckertal	CHF 23,031	CHF 8,900	CHF 12,816	CHF 1,315
27	Rorschacherberg	CHF 23,096	CHF 8,370	CHF 13,296	CHF 1,430
28	Quarten	CHF 23,110	CHF 8,270	CHF 13,296	CHF 1,544
29	Zuzwil (SG)	CHF 23,183	CHF 7,390	CHF 14,376	CHF 1,417
30	Gams	CHF 23,206	CHF 8,730	CHF 12,816	CHF 1,660
31	Schmerikon	CHF 23,246	CHF 8,650	CHF 13,296	CHF 1,300
32	Vilters-Wangs	CHF 23,304	CHF 8,800	CHF 13,296	CHF 1,208
33	Kaltbrunn	CHF 23,311	CHF 8,550	CHF 13,296	CHF 1,465
34	Wattwil	CHF 23,317	CHF 9,220	CHF 12,816	CHF 1,281
35	Mosnang	CHF 23,325	CHF 9,220	CHF 12,816	CHF 1,289
36	Uznach	CHF 23,331	CHF 8,730	CHF 13,296	CHF 1,305
37	Andwil (SG)	CHF 23,355	CHF 8,650	CHF 13,296	CHF 1,409
38	Weesen	CHF 23,363	CHF 8,730	CHF 13,296	CHF 1,337
39	Walenstadt	CHF 23,365	CHF 8,550	CHF 13,296	CHF 1,519
40	Lichtensteig	CHF 23,387	CHF 9,220	CHF 12,816	CHF 1,351
41	Muolen	CHF 23,393	CHF 8,760	CHF 13,296	CHF 1,337
42	Eschenbach (SG)	CHF 23,433	CHF 8,800	CHF 13,296	CHF 1,337
43	Oberuzwil	CHF 23,451	CHF 8,800	CHF 13,296	CHF 1,355
44	Buchs (SG)	CHF 23,454	CHF 8,830	CHF 13,296	CHF 1,328
44	Kirchberg (SG)	CHF 23,454	CHF 8,900	CHF 13,296	CHF 1,258
46	Häggenschwil	CHF 23,458	CHF 8,730	CHF 13,296	CHF 1,432
47	Benken (SG)	CHF 23,478	CHF 8,800	CHF 13,296	CHF 1,382
48	Rheineck	CHF 23,481	CHF 8,650	CHF 13,296	CHF 1,535
49	Ebnat-Kappel	CHF 23,539	CHF 9,570	CHF 12,816	CHF 1,153
50	Wittenbach	CHF 23,572	CHF 8,870	CHF 13,296	CHF 1,406
51	Mels	CHF 23,610	CHF 9,080	CHF 13,296	CHF 1,234
52	Uzwil	CHF 23,621	CHF 8,970	CHF 13,296	CHF 1,355
53	Untereggen	CHF 23,647	CHF 8,870	CHF 13,296	CHF 1,481
54	Rorschach	CHF 23,679	CHF 9,220	CHF 13,296	CHF 1,163
55	Flawil	CHF 23,714	CHF 9,150	CHF 13,296	CHF 1,268
56	Jonschwil	CHF 23,753	CHF 9,220	CHF 13,296	CHF 1,237
57	Steinach	CHF 23,762	CHF 8,970	CHF 13,296	CHF 1,496
58	Sevelen	CHF 23,768	CHF 8,830	CHF 13,296	CHF 1,642
59	Flums	CHF 23,770	CHF 9,080	CHF 13,296	CHF 1,394
60	Degersheim	CHF 23,836	CHF 9,540	CHF 12,816	CHF 1,480
61	Waldkirch	CHF 23,846	CHF 8,970	CHF 13,296	CHF 1,580
62	Sargans	CHF 23,853	CHF 9,220	CHF 13,296	CHF 1,337
63	Eggersriet	CHF 23,862	CHF 8,900	CHF 13,296	CHF 1,666
64	Berg (SG)	CHF 23,907	CHF 9,010	CHF 13,296	CHF 1,601
65	Schänis	CHF 23,948	CHF 9,080	CHF 13,296	CHF 1,572
66	Lütisburg	CHF 24,072	CHF 10,130	CHF 12,816	CHF 1,126
67	Pfäfers	CHF 24,093	CHF 9,460	CHF 13,296	CHF 1,337
68	Oberbüren	CHF 24,104	CHF 8,200	CHF 14,376	CHF 1,528
69	Gaiserwald	CHF 24,151	CHF 8,160	CHF 14,376	CHF 1,615
70	Gossau (SG)	CHF 24,376	CHF 8,760	CHF 14,376	CHF 1,240
71	Wil (SG)	CHF 24,473	CHF 8,730	CHF 14,376	CHF 1,367
72	Wartau	CHF 24,640	CHF 9,780	CHF 13,296	CHF 1,564
73	Niederbüren	CHF 24,740	CHF 8,760	CHF 14,376	CHF 1,604
74	Niederhelfenschwil	CHF 24,778	CHF 8,340	CHF 14,376	CHF 2,062
75	St. Gallen	CHF 25,337	CHF 9,540	CHF 14,376	CHF 1,421

Premium regions in the canton of St. Gallen

The canton is divided into 3 premium regions. That is why the health insurance premium also varies within the canton.

Median monthly premium for one adult, standard model with accident cover, CHF 300 deductible, FOPH 2027.

Do you pay tax at source, for example on a B permit? Then differences between municipalities in a canton only matter to you under a subsequent ordinary assessment.

The deduction from your salary is the same in every municipality of a canton. From a gross salary of CHF 120,000 a year you are assessed under the ordinary procedure automatically, below that on application by 31 March of the following year; your municipality’s tax rate then applies. Tax at source and where you live

How we calculate

Total cost adds up income tax (FTA: federal + cantonal + municipal + church), the health insurance premium (FOPH premium region, standard model with CHF 300 deductible) and electricity (ElCom, standard household H4). All values are per year, for standard profiles. Municipality level is an approximation; your exact amount depends on deductions, wealth, deductible choice and your address. If a component is missing for a municipality, it stays grey and is never guessed.

Children calculated as insurers do: 1st and 2nd child usually at the full child rate, from the 3rd child with a sibling discount at many insurers. Calculated per insurer, then the median across all insurers.

All data sources

Cost of living in the canton of St. Gallen: every municipality compared

Map of the canton of St. Gallen

All 75 municipalities in the canton of St. Gallen

Premium regions in the canton of St. Gallen

Other cantons