Relocating to Schwyz: tax, health premiums, rent and naturalisation

Tax

Income and wealth tax in Schwyz

Total federal, cantonal and communal tax per year for each tracked commune in Schwyz, tax year 2026, computed with the official ESTV calculator. No church tax is included.

Standard profiles: gross employment income with the calculator's standard deductions. Single: one adult aged 35. Married: couple aged 40 and 38, one earner, two children aged 10 and 8. The asset profile adds net taxable wealth to the married profile.

Health insurance

Health insurance premiums in Schwyz

Federal Office of Public Health, premium year 2027: adult aged 26 or over, accident cover included, standard model, CHF 300 deductible, CHF per month.

Housing and safety

Rent and safety in Schwyz

Rent: Federal Statistical Office structural survey, 2024, net rent excluding service and heating charges. Safety: police crime statistics, 2025; rates in cantons with large city centres reflect visitors and commuters as well as residents.

Cantonal rules

Inheritance, lump-sum taxation, schools and family in Schwyz

Inheritance tax for children

Schwyz levies no inheritance tax on children.
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Inheritance tax for spouses

Schwyz levies no inheritance tax on the spouse.
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Gift tax

Schwyz: gift tax: no tax.
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Lump-sum taxation

Schwyz allows expenditure-based taxation for non-Swiss persons arriving for the first time or after at least ten years abroad, with no gainful work in Switzerland.
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Lump-sum minimum tax base

Schwyz income minimum base is the highest of CHF 600,000, seven times annual rent or rental value, or three times the annual board-and-lodging price; the wealth base is at least 20 times the income base.
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Wealth tax

Schwyz wealth tax is a proportional 0.6 per mille of taxable wealth.
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Childcare fees in Freienbach

Freienbach states cantonal childcare contributions are available up to an entitling income of CHF 153,215 under the Schwyz KiBeG in force since 1 June 2024.
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Family allowance per child

Schwyz monthly child allowance per child: CHF 230.
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Naturalisation

Becoming Swiss in Schwyz

Federal law sets the national minimum. The canton and the commune add their own residence periods, language levels and tests, and they decide on cantonal and communal citizenship.

Residence in the commune

Schwyz requires five years of uninterrupted residence in the commune, alongside ten years in Switzerland (ages 8 to 18 count double) and a C permit.
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Spoken language

Schwyz requires oral German at B2, above the federal B1.
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Written language

Schwyz requires written German at B1, above the federal A2.
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Knowledge test

In Schwyz basic civic knowledge is assessed in the commune's interview or by a test at a recognised institution such as the BBZ in Pfäffikon or Goldau, paid by the applicant.
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Interview

Schwyz provides a personal hearing of the applicant as part of the communal examination.
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Who decides

In Schwyz the commune assembly decides in an open vote (or a delegated body), the Departement des Innern checks the file, and the Kantonsrat grants cantonal citizenship.
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Cantonal and communal fees

The 2012 Schwyz ordinance sets cantonal fees of CHF 100 to 500 for an individual and CHF 100 to 1,000 for couples and families, with communal fees set separately.
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All 26 cantonal requirements compared

Move comparisons

Moves to and from Schwyz

Back to all 26 cantons · Methodology and sources

Questions

Living in Schwyz: common questions