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Tax at standard household profiles, health insurance premiums, rents, safety and naturalisation rules, read from federal and cantonal sources and set side by side.
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The short answer
For the same household, the total income tax bill depends heavily on the commune. At the profile Married, 2 children, CHF 150,000, the official federal calculator gives totals from CHF 2,884 to CHF 19,783 across the communes we track. Health premiums and rents vary as well, so a move is best judged on all of them together.
Evidence: Official source · Machine-readable data · As of 23 October 2026
All 26 cantons
Each row shows the cantonal capital. Tax is the total federal, cantonal and communal income and wealth tax for the stated profile, without church tax. Open a canton for every tracked commune and all eleven profiles.
| Canton | Capital | Married, 2 children, CHF 150,000 | Single, CHF 250,000 | Median health premium per month | Average rent per m² per month | Naturalisation residence: canton / commune (years) |
|---|---|---|---|---|---|---|
| Aargau | Aarau | CHF 11,933 | CHF 53,112 | CHF 599 | 16.7 | 5 / 3 |
| Appenzell Ausserrhoden | Herisau | CHF 16,604 | CHF 57,077 | CHF 556 | 13.9 | - / 3 |
| Appenzell Innerrhoden | Appenzell | CHF 11,973 | CHF 42,014 | CHF 466 | 15.4 | 5 / - |
| Basel-Landschaft | Liestal | CHF 17,695 | CHF 69,818 | CHF 656 | 18.2 | 5 / - |
| Basel-Stadt | Basel | CHF 15,583 | CHF 57,068 | CHF 734 | 19.7 | - / 2 |
| Bern | Bern | CHF 18,314 | CHF 65,526 | CHF 597 | 16.1 | see canton page |
| Fribourg | Fribourg | CHF 17,086 | CHF 67,113 | CHF 587 | 15.8 | see canton page |
| Geneva | Geneva | CHF 12,177 | CHF 65,275 | CHF 771 | 21.1 | 2 / - |
| Glarus | Glarus | CHF 14,927 | CHF 53,925 | CHF 553 | 14.7 | - / 3 |
| Graubünden | Chur | CHF 10,600 | CHF 53,576 | CHF 536 | 16.5 | - / 5 |
| Jura | Delémont | CHF 17,815 | CHF 65,035 | CHF 704 | 12.3 | - / 2 |
| Lucerne | Lucerne | CHF 11,949 | CHF 46,352 | CHF 536 | 17.0 | see canton page |
| Neuchâtel | Neuchâtel | CHF 19,783 | CHF 70,395 | CHF 730 | 13.7 | see canton page |
| Nidwalden | Stans | CHF 11,951 | CHF 45,146 | CHF 513 | 17.0 | 5 / 5 |
| Obwalden | Sarnen | CHF 13,696 | CHF 42,406 | CHF 518 | 15.9 | 5 / 5 |
| Schaffhausen | Schaffhausen | CHF 11,450 | CHF 49,885 | CHF 579 | 14.6 | - / 2 |
| Schwyz | Schwyz | CHF 8,405 | CHF 37,071 | CHF 545 | 18.2 | - / 5 |
| Solothurn | Solothurn | CHF 16,764 | CHF 63,106 | CHF 624 | 14.9 | - / 2 |
| St. Gallen | St. Gallen | CHF 14,391 | CHF 59,985 | CHF 534 | 15.5 | 5 / 5 |
| Thurgau | Frauenfeld | CHF 13,832 | CHF 52,972 | CHF 569 | 14.9 | 5 / 3 |
| Ticino | Bellinzona | CHF 13,515 | CHF 62,038 | CHF 711 | 14.6 | 5 / 3 |
| Uri | Altdorf | CHF 13,102 | CHF 43,932 | CHF 514 | 14.0 | 5 / 5 |
| Valais | Sion | CHF 11,483 | CHF 67,007 | CHF 537 | 15.2 | - / 3 |
| Vaud | Lausanne | CHF 18,325 | CHF 69,897 | CHF 678 | 19.1 | 2 / - |
| Zug | Zug | CHF 2,925 | CHF 33,572 | CHF 444 | 21.5 | - / 3 |
| Zurich | Zurich | CHF 12,506 | CHF 56,015 | CHF 570 | 21.3 | - / 2 |
Tax: ESTV tax calculator, tax year 2026. Premiums: Federal Office of Public Health, premium year 2027, adult with accident cover and CHF 300 deductible, lowest premium region of the canton. Rent: Federal Statistical Office, 2024. Naturalisation: cantonal law and official cantonal pages.
Move comparisons
These are the moves our clients ask about most. Each comparison sets the two communes side by side at every household profile; the difference is computed from the official figures, never estimated.
Difference in total tax at Married, 2 children, CHF 150,000: CHF -9,293 per year.
See the comparisonDifference in total tax at Married, 2 children, CHF 150,000: CHF -9,252 per year.
See the comparisonDifference in total tax at Married, 2 children, CHF 150,000: CHF -9,581 per year.
See the comparisonDifference in total tax at Married, 2 children, CHF 150,000: CHF -6,696 per year.
See the comparisonDifference in total tax at Married, 2 children, CHF 150,000: CHF -12,515 per year.
See the comparisonDifference in total tax at Married, 2 children, CHF 150,000: CHF 2,112 per year.
See the comparisonDifference in total tax at Married, 2 children, CHF 150,000: CHF 4,863 per year.
See the comparisonDifference in total tax at Married, 2 children, CHF 150,000: CHF -9,618 per year.
See the comparisonDifference in total tax at Married, 2 children, CHF 150,000: CHF -1,228 per year.
See the comparisonDifference in total tax at Married, 2 children, CHF 150,000: CHF 2,885 per year.
See the comparisonDifference in total tax at Married, 2 children, CHF 150,000: CHF -9,024 per year.
See the comparisonDifference in total tax at Married, 2 children, CHF 150,000: CHF -694 per year.
See the comparisonDifference in total tax at Married, 2 children, CHF 150,000: CHF -573 per year.
See the comparisonDifference in total tax at Married, 2 children, CHF 150,000: CHF -2,303 per year.
See the comparisonHow to read this
Swiss cantons and communes set their own tax rates, so the same income is taxed very differently a short drive apart. Tax residence for the whole year generally follows where you live on 31 December, which is why the timing of a move matters.
Health insurance premiums, rents, schooling, commuting and the language of the canton weigh on the decision too, and naturalisation rules change when you move, because most cantons and communes require a period of local residence. Our consultants help you weigh these together for your own household.
Questions
It depends on the household and the commune, not only the canton. At the profile Married, 2 children, CHF 150,000, the official ESTV calculator gives total tax between CHF 2,884 and CHF 19,783 across the communes we track. The comparison table shows which commune leads on this metric for each profile.
For a married couple with two children and one income of CHF 150,000, the official calculator shows CHF 9,293 less total tax per year in Baar than in the city of Geneva, and the median adult health premium is CHF 327 lower per month in the canton of Zug. Rents and other costs differ too.
As a rule, the canton where you are resident on 31 December taxes your income and wealth for the whole year. A move in December therefore counts for the full year, while a move in January leaves the old canton in charge for the year just ended. Confirm the details with the cantonal tax office.
Yes. Federal law requires ten years in Switzerland, but each canton also sets a minimum period of residence in the canton, and many communes add their own. Moving can restart the local clock, so plan a move with your naturalisation timeline in mind.
No. They are standard household profiles computed with the official federal calculator. Your own bill depends on deductions, the type of income and your assets. For a personal calculation use the ESTV calculator with your own figures or speak to a tax adviser.
Information, not tax or legal advice. Figures are published standard profiles for the stated year from official sources; a personal calculation needs the official ESTV calculator or a tax adviser.
Our consultants combine tax, schooling, housing and residence rules into one plan for your household.
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