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Ubivo Cost-of-Living Index 2025

Switzerland’s cheapest municipalities to live in 2025

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 2,098 Swiss municipalities from the same official sources as our address-level location reports.

CHF 17,491

That is what separates Baar (ZG, CHF 14,185) 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 2025), FOPH (health insurance 2026), ElCom (electricity 2026), 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 13,273
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 13,473
2ZugZGCHF 13,489
3WalchwilZGCHF 13,497
4ChamZGCHF 13,505
5OberägeriZGCHF 13,505
6UnterägeriZGCHF 13,505
7SteinhausenZGCHF 13,520
8RischZGCHF 13,521
9HünenbergZGCHF 13,589
10MenzingenZGCHF 13,639

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 14,23511
2Schwyz (SZ)CHF 19,64130
3Appenzell I.Rh. (AI)CHF 20,3994
4Nidwalden (NW)CHF 20,57511
5Graubünden (GR)CHF 21,13199
6Uri (UR)CHF 22,01219
7Zürich (ZH)CHF 22,372157
8Schaffhausen (SH)CHF 22,76726
9Aargau (AG)CHF 22,857195
10Thurgau (TG)CHF 22,94080
11St. Gallen (SG)CHF 22,99274
12Luzern (LU)CHF 23,35080
13Obwalden (OW)CHF 23,3587
14Glarus (GL)CHF 23,4843
15Wallis (VS)CHF 23,725120
16Appenzell A.Rh. (AR)CHF 24,25520
17Freiburg (FR)CHF 25,490117
18Basel-Landschaft (BL)CHF 25,69985
19Tessin (TI)CHF 26,741103
20Basel-Stadt (BS)CHF 26,7423
21Genf (GE)CHF 27,14845
22Solothurn (SO)CHF 27,458104
23Jura (JU)CHF 28,44749
24Bern (BE)CHF 28,563334
25Waadt (VD)CHF 29,243298
26Neuenburg (NE)CHF 31,42224

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 14,185
2Schwyz (SZ)FreienbachCHF 17,773
3Graubünden (GR)RongellenCHF 17,931
4Appenzell I.Rh. (AI)AppenzellCHF 19,123
5Nidwalden (NW)Hergiswil (NW)CHF 19,625
6St. Gallen (SG)BalgachCHF 20,442
7Luzern (LU)MeggenCHF 20,895
8Aargau (AG)Oberwil-LieliCHF 20,916
9Zürich (ZH)RüschlikonCHF 21,072
10Schaffhausen (SH)BuchbergCHF 21,217
11Thurgau (TG)Warth-WeiningenCHF 21,231
12Wallis (VS)ZwischbergenCHF 21,382
13Uri (UR)Seedorf (UR)CHF 21,658
14Obwalden (OW)SarnenCHF 22,338
15Freiburg (FR)GrengCHF 22,590
16Appenzell A.Rh. (AR)Teufen (AR)CHF 22,683
17Glarus (GL)GlarusCHF 23,235
18Solothurn (SO)KammersrohrCHF 24,762
19Tessin (TI)BedrettoCHF 24,866
20Basel-Landschaft (BL)RamlinsburgCHF 25,169
21Bern (BE)Walliswil bei NiederbippCHF 25,670
22Genf (GE)ColognyCHF 26,458
23Basel-Stadt (BS)BettingenCHF 26,542
24Jura (JU)Les BreuleuxCHF 26,831
25Waadt (VD)EclépensCHF 27,813
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.