Economic Research

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

Municipality Facts

Canton LU Mandatory charges

District Luzern low high Population (2009) 26'211 Fixed costs Swiss average Population growth (1999-2009) 0.8% low high Employed persons (2008) 9'694

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 4'316 8 - 1'545 4'630 1'597 Luzern (LU) Public transp. 4'316 14 TVLU 2 Zones 594 1'188 594

Zürich (ZH) Private vehicle 209 43 - 10'162 23'742 10'608 (ZH) Public transp. 209 67 Point-to-point ticket 2'574 5'148 2'574

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 35'10047% 78'900 32% 59'400 40% - - Luzern (LU) Public transp. 36'00048% 82'400 33% 60'400 40% - - - Zürich (ZH) Private vehicle 26'70036% 60'800 24% 50'600 34% - - Zürich (ZH) Public transp. 34'30046% 79'400 32% 58'700 39% - -

No commuting 36'50049% 83'200 33% 60'900 41% 45'500 57%

"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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KRIENS (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* Kriens (LU) 0.3935'500 80'600 59'900 36'500 83'200 60'900 45'500 Luzern (LU) 0.0334'900 71'500 53'600 35'600 73'100 54'300 43'700 (LU) 0.3035'800 77'600 57'500 37'000 80'00058'000 45'700 (LU) -0.0534'400 70'000 53'200 35'600 73'100 54'400 43'700 (NW) -0.2136'600 51'600 41'000 38'200 55'700 42'600 47'200 Rothenburg (LU) 0.6635'600 85'700 63'400 37'300 90'100 65'200 46'500 Stansstad (NW) -0.0434'500 64'300 48'700 36'500 69'300 50'800 44'400 (LU) 0.6435'000 86'700 64'800 37'300 92'400 67'200 47'300 (LU) 0.6435'300 89'300 65'700 36'400 92'100 66'100 45'400 Alpnach (OW) 1.0436'100 99'600 68'100 38'600 105'900 70'200 47'000 Oberdorf (NW) 0.9135'400 90'700 65'400 37'900 96'600 67'900 47'100 (LU) -0.2735'800 61'100 46'800 37'100 64'500 48'100 45'000 Schwarzenberg (LU) 0.6634'900 87'400 65'800 37'400 92'900 68'400 47'900 Emmen (LU) 0.5335'100 83'400 62'000 36'900 88'000 63'800 46'300 (LU) 0.1734'400 75'900 57'700 35'600 79'100 58'300 44'300 (LU) 0.4135'500 80'800 60'800 36'800 84'300 62'200 46'300 (LU) 0.6235'500 83'400 62'300 38'100 89'700 64'900 48'100 Root (LU) 0.6534'700 91'300 67'000 36'600 95'500 68'900 45'800 Neuenkirch (LU) 0.5434'400 85'700 63'700 36'700 90'700 65'200 46'100 Sempach (LU) 0.7135'000 91'900 67'300 37'800 97'900 69'400 47'300 Buochs (NW) 1.0635'600 97'600 70'000 38'300 103'300 72'200 47'900 Stans (NW) 0.9035'200 91'300 66'000 37'700 97'400 68'700 47'100 Eschenbach (LU) 0.9536'500 94'100 68'200 38'600 98'800 69'800 48'400 Inwil (LU) 0.6034'600 89'400 65'900 36'600 93'800 68'000 45'800 Rain (LU) 0.6934'900 89'900 66'300 37'300 95'200 68'800 46'900 (LU) 0.6736'000 85'900 63'000 37'500 89'800 64'600 46'800 Hildisrieden (LU) 0.5634'200 85'700 64'100 37'200 92'900 66'400 46'500 Kerns (OW) 0.9635'200 97'000 66'400 38'400 104'300 69'200 46'800 Ennetbürgen (NW) 0.5735'400 84'000 61'100 38'100 89'700 63'400 47'200 Dietwil (AG) -0.1432'800 76'600 59'200 35'800 83'900 62'400 45'900 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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