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Ubivo Cost-of-Living Index 2026

Switzerland’s cheapest municipalities to live in 2026

Tax, health-insurance premium and electricity together make up a household’s real annual cost — and it varies hugely by municipality. We computed it for 2,124 Swiss municipalities from the same official sources as our address-level location reports.

CHF 17,701

That is what separates Baar (ZG, CHF 13,975) from Les Verrières (NE, CHF 31,676) — for an identical profile (couple without children, CHF 100,000 income). Purely by where you live.

Municipality level, real data: Standard profiles at municipality level, no estimates — municipalities with incomplete data are excluded. Your exact amount depends on address, deductions and wealth. Sources: ESTV (tax 2026), FOPH (health insurance 2026), ElCom (electricity 2026), FSO. See the methodology

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The 10 cheapest municipalities for families

Family with children, an income of CHF 100,000 — annual total cost (tax, health insurance, electricity), ascending.

#MunicipalityCantonTotal cost/year
1BaarZGCHF 13,273
2ChamZGCHF 13,273
3OberägeriZGCHF 13,273
4RischZGCHF 13,273
5UnterägeriZGCHF 13,273
6WalchwilZGCHF 13,273
7ZugZGCHF 13,273
8SteinhausenZGCHF 13,288
9NeuheimZGCHF 13,345
10MenzingenZGCHF 13,351

The 10 cheapest municipalities for retirees

Retired couple, CHF 80,000 income — same total-cost calculation, its own ranking.

#MunicipalityCantonTotal cost/year
1BaarZGCHF 12,873
2WalchwilZGCHF 12,897
3UnterägeriZGCHF 12,905
4ZugZGCHF 12,905
5ChamZGCHF 12,913
6OberägeriZGCHF 12,913
7RischZGCHF 12,913
8SteinhausenZGCHF 12,920
9HünenbergZGCHF 12,989
10MenzingenZGCHF 12,999

Canton ranking

Median total cost per canton (couple without children, CHF 100,000), ascending — which canton is cheapest on average.

#CantonMedian/yearMunicipalities
1Zug (ZG)CHF 14,06511
2Schwyz (SZ)CHF 18,84030
3Appenzell I.Rh. (AI)CHF 20,1335
4Nidwalden (NW)CHF 20,25511
5Graubünden (GR)CHF 21,031101
6Uri (UR)CHF 22,01219
7Zürich (ZH)CHF 22,212160
8Aargau (AG)CHF 22,573198
9Schaffhausen (SH)CHF 22,64726
10Thurgau (TG)CHF 22,92980
11St. Gallen (SG)CHF 22,96275
12Luzern (LU)CHF 23,01880
13Obwalden (OW)CHF 23,2987
14Wallis (VS)CHF 23,571122
15Glarus (GL)CHF 23,5853
16Appenzell A.Rh. (AR)CHF 24,39220
17Freiburg (FR)CHF 25,490121
18Basel-Landschaft (BL)CHF 25,69985
19Basel-Stadt (BS)CHF 26,7423
20Tessin (TI)CHF 26,757106
21Genf (GE)CHF 27,14845
22Solothurn (SO)CHF 27,186105
23Jura (JU)CHF 28,44751
24Bern (BE)CHF 28,542335
25Waadt (VD)CHF 29,173300
26Neuenburg (NE)CHF 31,41425

The cheapest municipality in every canton

Per canton, the municipality with the lowest total cost (couple without children, CHF 100,000) — sorted by total cost. Even in an expensive canton, here's the best spot.

#CantonMunicipalityTotal cost/year
1Zug (ZG)BaarCHF 13,975
2Schwyz (SZ)FreienbachCHF 17,333
3Graubünden (GR)RongellenCHF 17,821
4Appenzell I.Rh. (AI)AppenzellCHF 19,123
5Nidwalden (NW)Hergiswil (NW)CHF 19,175
6St. Gallen (SG)BalgachCHF 20,442
7Aargau (AG)Oberwil-LieliCHF 20,616
8Luzern (LU)MeggenCHF 20,645
9Zürich (ZH)RüschlikonCHF 20,922
10Schaffhausen (SH)BuchbergCHF 21,097
11Wallis (VS)ZwischbergenCHF 21,172
12Thurgau (TG)Warth-WeiningenCHF 21,351
13Uri (UR)SchattdorfCHF 21,708
14Obwalden (OW)SarnenCHF 22,338
15Freiburg (FR)GrengCHF 22,590
16Appenzell A.Rh. (AR)Teufen (AR)CHF 22,683
17Glarus (GL)Glarus SüdCHF 23,484
18Solothurn (SO)KammersrohrCHF 24,542
19Tessin (TI)BedrettoCHF 24,866
20Basel-Landschaft (BL)RamlinsburgCHF 25,169
21Bern (BE)Walliswil bei NiederbippCHF 25,660
22Genf (GE)ColognyCHF 26,458
23Basel-Stadt (BS)BettingenCHF 26,542
24Jura (JU)Les BreuleuxCHF 26,831
25Waadt (VD)EclépensCHF 27,743
26Neuenburg (NE)La Grande BérocheCHF 30,676
Interactive map
All municipalities coloured by total cost — with your profile.
The exact truth for your address
The Deep Report calculates at address level with deductions, wealth and 60+ factors.