Economic Research

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

Municipality Facts

Canton LU Mandatory charges

District low high Population (2009) 671 Fixed costs Swiss average Population growth (1999-2009) 1.6% low high Employed persons (2008) 130

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 15 26 - 6'982 17'054 7'263 Luzern (LU) Public transp. 15 56 TVLU 6 Zones 1'593 3'186 1'593

Zürich (ZH) Private vehicle 2 58 - 12'550 28'784 13'130 Zürich (ZH) Public transp. 2 93 Point-to-point ticket 3'231 5'600 3'231

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 32'30043% 87'500 35% 66'700 44% - - Luzern (LU) Public transp. 37'70050% 101'400 41% 72'300 48% - - - Zürich (ZH) Private vehicle 27'00036% 76'400 31% 61'000 41% - - Zürich (ZH) Public transp. 36'30048% 99'600 40% 70'900 47% - -

No commuting 39'10052% 103'800 42% 72'900 49% 49'600 62%

"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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SCHLIERBACH (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* Schlierbach (LU) 0.9735'000 94'400 69'500 39'100 103'800 72'900 49'600 Büron (LU) 0.6233'300 91'900 68'400 37'200 101'000 72'400 46'900 (LU) 0.6133'600 89'800 67'100 37'300 98'50070'100 47'100 (LU) 0.9535'300 93'900 68'600 39'500 102'900 72'900 50'100 (LU) 0.4133'100 83'200 63'200 37'100 92'500 66'500 46'700 Rickenbach (LU) 0.5933'900 85'800 65'300 37'700 94'500 68'300 48'200 (AG) 1.1735'800 106'200 76'900 38'700 112'400 79'000 50'300 Winikon (LU) 0.9335'100 93'500 68'400 39'500 102'900 72'900 50'100 Schenkon (LU) 0.4834'800 84'000 61'500 38'300 91'500 65'100 47'500 (AG) 0.7735'400 93'400 69'300 38'200 100'300 72'200 49'700 (LU) 0.6633'600 91'300 68'200 37'200 99'200 71'200 47'100 Burg (AG) 0.7234'400 98'700 72'800 37'800 106'700 76'300 49'200 Moosleerau (AG) 0.7835'000 98'500 72'400 37'600 104'700 75'000 48'700 Reitnau (AG) 0.8034'800 100'300 73'600 37'600 107'000 76'400 48'800 Mauensee (LU) 0.5233'100 90'300 67'400 37'000 98'700 71'500 46'800 (LU) 0.6534'200 88'100 66'600 37'400 95'800 69'100 47'700 (AG) 0.6535'200 92'900 69'200 37'700 98'900 71'000 48'800 Beromünster (LU) 0.6833'700 91'400 68'300 37'200 99'200 71'200 47'100 Sursee (LU) 0.3233'200 86'400 63'900 36'900 94'300 67'100 46'000 (AG) 0.5734'000 95'500 70'100 37'300 102'600 73'500 48'400 (AG) 0.4834'900 87'500 66'200 37'600 94'000 68'200 48'800 Eich (LU) -0.0733'100 74'400 56'700 36'200 81'700 59'200 44'400 Oberkirch (LU) 0.4333'500 84'800 63'000 37'300 93'600 66'900 46'500 Reinach (AG) 0.5434'200 91'800 68'100 37'400 98'700 71'400 48'300 (AG) 0.9235'900 99'900 72'600 38'200 105'100 75'100 49'600 (AG) 0.8235'100 99'500 73'000 37'300 105'200 75'400 48'400 Wauwil (LU) 0.8434'300 93'800 70'000 38'500 103'400 74'300 49'300 (LU) 0.7135'000 91'900 67'300 37'800 97'900 69'400 47'300 Dagmersellen (LU) 0.7234'300 87'700 65'100 38'900 97'500 69'100 49'200 Luzern (LU) 0.0334'900 71'500 53'600 35'600 73'100 54'300 43'700 Zürich (ZH) -2.2632'600 19'300 21'200 33'500 21'500 22'100 39'800

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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