Economic Research

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

Municipality Facts

Canton LU Mandatory charges

District Luzern low high Population (2009) 966 Fixed costs Swiss average Population growth (1999-2009) 2.3% low high Employed persons (2008) 164

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 36 21 - 4'595 11'938 4'765 Luzern (LU) Public transp. 36 34 TVLU 4 Zones 1'152 2'304 1'152

Zürich (ZH) Private vehicle 6 39 - 9'122 21'553 9'512 Zürich (ZH) Public transp. 6 72 ZVV-SZ/ZG 9 Zones 2'403 4'806 2'403

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 32'20043% 69'700 28% 55'300 37% - - Luzern (LU) Public transp. 35'70048% 79'300 32% 58'900 39% - - - Zürich (ZH) Private vehicle 27'90037% 60'700 24% 50'700 34% - - Zürich (ZH) Public transp. 34'60046% 77'400 31% 57'800 39% - -

No commuting 36'70049% 81'000 32% 59'900 40% 45'800 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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GREPPEN (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* Greppen (LU) 0.1934'000 74'500 57'100 36'700 81'000 59'900 45'800 (LU) -0.3232'500 70'600 53'500 35'500 77'300 56'600 43'300 Küssnacht am (SZ) -0.1635'700 66'400 49'600 38'000 71'60051'400 45'200 (LU) -0.0333'300 72'000 55'400 36'800 79'600 59'000 45'800 (LU) 0.2434'700 76'100 58'000 36'600 80'200 59'200 45'700 (LU) 0.3133'500 84'500 63'500 36'000 90'500 66'100 45'200 (LU) -0.2735'800 61'100 46'800 37'100 64'500 48'100 45'000 (LU) 0.1734'400 75'900 57'700 35'600 79'100 58'300 44'300 Risch (ZG) 0.3338'300 66'300 55'200 40'300 71'500 57'300 49'400 (LU) 0.6736'000 85'900 63'000 37'500 89'800 64'600 46'800 Hünenberg (ZG) -0.2037'200 57'900 49'500 38'900 61'400 50'700 47'100 Arth (SZ) 1.0337'600 91'100 65'100 40'200 96'900 67'700 49'200 (LU) 0.6235'500 83'400 62'300 38'100 89'700 64'900 48'100 Gersau (SZ) 0.3034'500 78'800 58'700 39'200 89'400 63'600 47'800 Cham (ZG) 0.3437'000 77'000 60'500 38'200 79'500 61'800 45'900 Root (LU) 0.6534'700 91'300 67'000 36'600 95'500 68'900 45'800 Lauerz (SZ) 1.4037'900 101'100 71'300 41'200 108'200 74'100 50'700 (LU) 0.6435'300 89'300 65'700 36'400 92'100 66'100 45'400 Walchwil (ZG) -0.9736'400 43'600 39'100 38'100 48'200 40'500 45'500 Knonau (ZH) -0.0734'700 75'600 58'200 36'700 80'500 60'300 45'400 (LU) 0.4135'500 80'800 60'800 36'800 84'300 62'200 46'300 Luzern (LU) 0.0334'900 71'500 53'600 35'600 73'100 54'300 43'700 Dietwil (AG) -0.1432'800 76'600 59'200 35'800 83'900 62'400 45'900 Sins (AG) 0.2733'300 89'900 67'300 35'700 95'100 69'000 45'200 Inwil (LU) 0.6034'600 89'400 65'900 36'600 93'800 68'000 45'800 Steinerberg (SZ) 1.3437'700 100'500 70'900 40'900 107'600 73'700 50'300 Mettmenstetten (ZH) 0.1434'700 80'100 60'700 37'100 85'700 62'400 45'400 (SZ) 0.8436'600 88'900 64'500 40'300 97'600 67'800 49'400 Steinhausen (ZG) 0.3638'300 69'400 56'500 39'500 71'600 57'200 47'800 Oberrüti (AG) 0.0533'800 79'300 60'600 36'300 85'400 62'400 46'500 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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