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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. It varies hugely by municipality. We computed it for 2,110 Swiss municipalities from the same official sources as our address-level location reports.

CHF 18,106

That is what separates Baar (ZG, CHF 14,278) from Les Verrières (NE, CHF 32,384), 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 2027), ElCom (electricity 2027), FSO. See the methodology

Download data (CSV)

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 13,720
2ChamZGCHF 13,720
3OberägeriZGCHF 13,720
4RischZGCHF 13,720
5UnterägeriZGCHF 13,720
6WalchwilZGCHF 13,720
7ZugZGCHF 13,720
8SteinhausenZGCHF 13,727
9HünenbergZGCHF 13,783
10NeuheimZGCHF 13,791

The 10 cheapest municipalities for retirees

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

#MunicipalityCantonTotal cost/year
1BaarZGCHF 13,176
2WalchwilZGCHF 13,200
3UnterägeriZGCHF 13,208
4ZugZGCHF 13,208
5SteinhausenZGCHF 13,215
6ChamZGCHF 13,216
7OberägeriZGCHF 13,216
8RischZGCHF 13,216
9HünenbergZGCHF 13,271
10MenzingenZGCHF 13,312

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 14,36811
2Schwyz (SZ)CHF 19,37930
3Appenzell I.Rh. (AI)CHF 20,4765
4Nidwalden (NW)CHF 20,73011
5Graubünden (GR)CHF 21,412100
6Uri (UR)CHF 22,44519
7Zürich (ZH)CHF 22,824160
8Schaffhausen (SH)CHF 23,11326
9Aargau (AG)CHF 23,259196
10St. Gallen (SG)CHF 23,36575
11Thurgau (TG)CHF 23,46880
12Luzern (LU)CHF 23,51979
13Obwalden (OW)CHF 23,6817
14Wallis (VS)CHF 23,889122
15Glarus (GL)CHF 23,9083
16Appenzell A.Rh. (AR)CHF 24,82820
17Basel-Landschaft (BL)CHF 26,01886
18Freiburg (FR)CHF 26,150119
19Tessin (TI)CHF 27,352100
20Basel-Stadt (BS)CHF 27,4703
21Genf (GE)CHF 27,55345
22Solothurn (SO)CHF 27,589104
23Bern (BE)CHF 28,961334
24Jura (JU)CHF 28,97751
25Waadt (VD)CHF 29,508300
26Neuenburg (NE)CHF 32,12524

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 cheapest place.

#CantonMunicipalityTotal cost/year
1Zug (ZG)BaarCHF 14,278
2Schwyz (SZ)FreienbachCHF 17,762
3Graubünden (GR)RongellenCHF 18,449
4Appenzell I.Rh. (AI)AppenzellCHF 19,466
5Nidwalden (NW)Hergiswil (NW)CHF 19,650
6St. Gallen (SG)BalgachCHF 20,874
7Luzern (LU)MeggenCHF 21,147
8Aargau (AG)Oberwil-LieliCHF 21,347
9Zürich (ZH)RüschlikonCHF 21,534
10Schaffhausen (SH)BuchbergCHF 21,563
11Wallis (VS)ZwischbergenCHF 21,590
12Thurgau (TG)HornCHF 21,793
13Uri (UR)RealpCHF 22,096
14Obwalden (OW)SarnenCHF 22,721
15Appenzell A.Rh. (AR)Teufen (AR)CHF 23,084
16Freiburg (FR)GrengCHF 23,250
17Glarus (GL)GlarusCHF 23,877
18Solothurn (SO)KammersrohrCHF 24,880
19Basel-Landschaft (BL)AugstCHF 25,396
20Tessin (TI)BedrettoCHF 25,477
21Bern (BE)Walliswil bei NiederbippCHF 26,190
22Genf (GE)ColognyCHF 26,873
23Basel-Stadt (BS)BettingenCHF 27,270
24Jura (JU)Les BreuleuxCHF 27,364
25Waadt (VD)EclépensCHF 28,038
26Neuenburg (NE)La Grande BérocheCHF 31,384
Interactive map
All municipalities coloured by total cost, with your profile.
Your address, calculated precisely
The Dossier calculates at address level with deductions, wealth and 60+ factors.