Economic Research

Disposable Income in Swiss Municipalities MAY 2011 FLÜHLI (LU) Map of Municipality Regional Overview

Municipality Facts

Canton LU Mandatory charges

District Entlebuch low high Population (2009) 1'942 Fixed costs Swiss average Population growth (1999-2009) 1.1% low high Employed persons (2008) 703

The fixed costs comprise: living costs, ancillary expenses, charges for water, sewers and waste collection, cost of commuting to nearest center. The mandatory charges comprise: Income and wealth taxes, social security contributions, mandatory health insurance. Both are standardized figures taking the Swiss average as their zero point.

Information about Commuting

Commute to Transportation Commuter Time Integrated fare network / Cost per year in CHF mode no. (2000) each way travel pass Single person Married couple Family in minutes 1 commuter 2 commuters 1 commuter

Luzern (LU) Private vehicle 22 47 - 8'486 20'217 8'843 Luzern (LU) Public transp. 22 53 TVLU 8 Zones 1'980 3'960 1'980

Bern (BE) Private vehicle 2 66 - 11'100 25'719 11'598 Bern (BE) Public transp. 2 76 Point-to-point ticket 2'628 5'256 2'628

Information on commuting relates to routes to the nearest relevant center. The starting point in each case is the center of the corresponding municipality. Travel costs associated with vehicles vary according to household type and are based on the following vehicle types: Single person = compact car, married couple = higher-price-bracket station wagon + compact car, family: medium-price-bracket station wagon.

Disposable Income for Reference Households

Single person Married couple (no children) Family (2 children) Retired couple In employment 1 person 2 persons 1 person Retired Income 75'000 250'000 150'000 80'000 Assets 50'000 600'000 300'000 300'000 Living situation Rented apartment 60m2 High-quality SFH Medium-quality SFH Rented apartment 100m2 Commute to Transp. mode CHF% CHF % CHF% CHF %

Luzern (LU) Private vehicle 29'50039% 83'500 33% 65'800 44% - - Luzern (LU) Public transp. 36'00048% 99'800 40% 72'600 48% - - - Bern (BE) Private vehicle 27'00036% 78'400 31% 63'100 42% - - Bern (BE) Public transp. 35'50047% 98'800 40% 72'100 48% - -

No commuting 37'60050% 101'900 41% 73'400 49% 48'300 60%

"Disposable income" relates to the amount that remains at a household's disposal based on income from employment, assets, occupational pensions and any transfer payments and after deduction of all mandatory charges (income and wealth taxes, social security contributions, pension contributions, health insurance premiums) and fixed costs (living costs, ancillary expenses, electricity costs). The inclusion of commuting results in transportation costs, part of which are tax-deductible. SFH = single-family house. % = relative share of gross income.

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FLÜHLI (LU) Comparison of Disposable Income

30 selected reference Cost of commuting to nearest center Commuting costs excluded municipalities in the region RDI IndicatorSingle* Couple* Family* Single* Couple* Family* Rtd Couple* Flühli (LU) 0.6132'700 91'600 69'200 37'600 101'900 73'400 48'300 Schüpfheim (LU) 0.7733'400 94'900 71'300 37'600 104'600 74'900 48'100 Hasle (LU) 0.9034'300 95'700 71'500 38'100 103'90074'700 49'100 Escholzmatt (LU) 1.0534'000 100'600 73'900 38'800 111'500 78'900 49'900 Entlebuch (LU) 0.7834'600 89'200 67'300 38'300 97'800 70'300 49'300 Doppleschwand (LU) 0.7634'400 89'600 67'700 38'300 98'500 70'900 49'200 Trubschachen (BE) 0.0931'400 90'100 69'200 36'100 99'800 74'000 45'200 Marbach (LU) 1.2235'100 102'000 75'400 39'500 112'000 79'200 51'100 (LU) 0.9934'800 95'900 71'200 38'900 104'700 74'700 50'100 Wolhusen (LU) 0.6034'300 86'700 65'200 37'600 94'000 68'700 48'100 Werthenstein (LU) 0.8034'400 91'300 68'600 37'500 98'000 70'900 48'100 (BE) 0.1731'600 91'400 70'100 36'500 101'700 75'200 45'900 Langnau im Emmental (BE) -0.3930'400 79'000 62'800 34'700 87'800 66'300 42'800 (BE) 0.2832'600 92'200 71'700 36'700 100'700 75'000 46'500 Menznau (LU) 0.6634'200 86'800 66'000 37'900 95'500 68'900 48'600 Ruswil (LU) 0.6034'200 87'100 65'300 37'200 93'700 68'400 47'300 Malters (LU) 0.6435'000 86'700 64'800 37'300 92'400 67'200 47'300 Signau (BE) -0.0531'800 84'100 65'300 35'500 92'600 69'200 44'100 Buttisholz (LU) 0.6134'300 86'100 64'900 37'800 93'700 68'500 48'200 Giswil (OW) 1.2135'300 101'300 69'100 39'300 110'300 73'200 48'600 Lauperswil (BE) -0.0831'400 86'000 66'800 35'800 95'000 70'400 44'500 Grosswangen (LU) 0.6633'800 88'100 66'800 38'100 97'800 71'200 48'800 Willisau (LU) 0.4733'100 86'300 64'900 37'600 95'900 69'600 47'700 Rüderswil (BE) 0.2632'300 92'900 71'100 36'400 102'100 74'500 45'500 Schwarzenberg (LU) 0.6634'900 87'400 65'800 37'400 92'900 68'400 47'900 Bowil (BE) 0.0232'200 85'300 66'300 35'600 93'300 69'000 44'100 Littau (LU) -0.0534'400 70'000 53'200 35'600 73'100 54'400 43'700 Ettiswil (LU) 0.7833'800 94'100 70'100 38'100 103'800 74'500 48'600 Zäziwil (BE) -0.0832'300 82'500 64'000 35'400 89'100 66'300 43'500 Luzern (LU) 0.0334'900 71'500 53'600 35'600 73'100 54'300 43'700 Bern (BE) -1.3230'600 55'600 45'200 31'400 57'800 46'100 36'600

The RDI (Regional Disposable Income) indicator expresses the disposable income for a wide range of households. For it is set at 0. Cost of commuting: average cost of public transport and private vehicle. * The definition of reference households corresponds to that on the first page. Bold = nearest relevant center of employment. Only municipalities with more than 500 inhabitants are taken into account. The number of municipalities corresponds to the number in 2008 (2'706). Information

Contact Further Information Credit Suisse Economic Research "Living and Commuting: Where's the Least Expensive Place to Live? Disposable Income in Switzerland" Regional Analysis www.credit-suisse.com/research Swiss Economy Regions Publications Email: [email protected] Sources Tel.: +41 44 334 74 19 Details of sources are contained in the above-mentioned study.

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Disclaimer This document was prepared by Credit Suisse Economic Research, and does not constitute the results of any financial analysis by ourselves or others. As a result, the "Directives on the Independence of Financial Research" issued by the Swiss Bankers Association do not apply to this document. This publication is for information purposes only. The views expressed herein are those of Credit Suisse Economic Research at the time of going to print (we reserve the right to make amendments).

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