Economic Research Disposable Income in Swiss Municipalities MAY 2011 MEGGEN (LU) Map of Municipality Regional Overview Municipality Facts Canton LU Mandatory charges District Luzern low high Population (2009) 6'515 Fixed costs Swiss average Population growth (1999-2009) 1.0% low high Employed persons (2008) 1'729 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 965 8 - 2'134 6'174 2'207 Luzern (LU) Public transp. 965 18 TVLU 2 Zones 594 1'188 594 Zürich (ZH) Private vehicle 80 42 - 9'506 22'362 9'917 Zürich (ZH) Public transp. 80 72 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 35'00047% 58'600 23% 46'000 31% - - Luzern (LU) Public transp. 36'50049% 63'600 25% 47'600 32% - - - Zürich (ZH) Private vehicle 27'90037% 43'200 17% 38'500 26% - - Zürich (ZH) Public transp. 34'70046% 60'300 24% 45'700 30% - - No commuting 37'10049% 64'500 26% 48'100 32% 45'000 56% "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. page 1 Economic Research MEGGEN (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* Meggen (LU) -0.2735'800 61'100 46'800 37'100 64'500 48'100 45'000 Adligenswil (LU) 0.1734'400 75'900 57'700 35'600 79'100 58'300 44'300 Luzern (LU) 0.0334'900 71'500 53'600 35'600 73'10054'300 43'700 Udligenswil (LU) 0.2434'700 76'100 58'000 36'600 80'200 59'200 45'700 Küssnacht am Rigi (SZ) -0.1635'700 66'400 49'600 38'000 71'600 51'400 45'200 Dierikon (LU) 0.6736'000 85'900 63'000 37'500 89'800 64'600 46'800 Ebikon (LU) 0.6435'300 89'300 65'700 36'400 92'100 66'100 45'400 Greppen (LU) 0.1934'000 74'500 57'100 36'700 81'000 59'900 45'800 Root (LU) 0.6534'700 91'300 67'000 36'600 95'500 68'900 45'800 Gisikon (LU) 0.6235'500 83'400 62'300 38'100 89'700 64'900 48'100 Buchrain (LU) 0.4135'500 80'800 60'800 36'800 84'300 62'200 46'300 Meierskappel (LU) 0.3133'500 84'500 63'500 36'000 90'500 66'100 45'200 Kriens (LU) 0.3935'500 80'600 59'900 36'500 83'200 60'900 45'500 Rothenburg (LU) 0.6635'600 85'700 63'400 37'300 90'100 65'200 46'500 Littau (LU) -0.0534'400 70'000 53'200 35'600 73'100 54'400 43'700 Weggis (LU) -0.3232'500 70'600 53'500 35'500 77'300 56'600 43'300 Inwil (LU) 0.6034'600 89'400 65'900 36'600 93'800 68'000 45'800 Horw (LU) 0.3035'800 77'600 57'500 37'000 80'000 58'000 45'700 Hergiswil (NW) -0.2136'600 51'600 41'000 38'200 55'700 42'600 47'200 Risch (ZG) 0.3338'300 66'300 55'200 40'300 71'500 57'300 49'400 Dietwil (AG) -0.1432'800 76'600 59'200 35'800 83'900 62'400 45'900 Eschenbach (LU) 0.9536'500 94'100 68'200 38'600 98'800 69'800 48'400 Arth (SZ) 1.0337'600 91'100 65'100 40'200 96'900 67'700 49'200 Stansstad (NW) -0.0434'500 64'300 48'700 36'500 69'300 50'800 44'400 Hünenberg (ZG) -0.2037'200 57'900 49'500 38'900 61'400 50'700 47'100 Oberrüti (AG) 0.0533'800 79'300 60'600 36'300 85'400 62'400 46'500 Emmen (LU) 0.5335'100 83'400 62'000 36'900 88'000 63'800 46'300 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 Lauerz (SZ) 1.4037'900 101'100 71'300 41'200 108'200 74'100 50'700 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 Switzerland 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. Credit Suisse Group AG Credit Suisse AG is one of the world's leading financial services providers. As an integrated bank, Credit Suisse offers clients combined expertise in the areas of private banking, investment banking, and asset management. 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). This publication may be quoted providing the source is indicated. Copyright © 2011 Credit Suisse Group AG and/or its affiliated companies. page 2.