Vicinus

St. Gallen · Wahlkreis Rheintal · BFS commune no. 3233[7]

Coat of arms of BerneckBerneck

Left of CHF 100’000CHF 81’412per year, after tax and insurance
Income tax[1]CHF 12’59612.6% of income
Health insurance[3]CHF 499adult, per month
Residents[4]4’02620.2% foreign nationals
Nearest job hub[6]65 minto St. Gallen

Single person, gross income CHF 100’000, median insurer. See how Berneck ranks for your household →
Compare Berneck with another commune →

WalzenhausenObereggAu (SG)Balgach WalzenhausenObereggBalgach Berneck

Berneck has 4’026 residents, making it the 47th largest of the 75 communes in the canton of St. Gallen.

20% of residents are foreign nationals, below the Swiss average of 28%.

A single person earning CHF 100’000 pays about CHF 12’596 a year in income tax here, less than in 2 of its 4 neighbouring communes and among the lowest quarter in St. Gallen.

The median standard adult health insurance premium is CHF 499 a month, below the Swiss median of CHF 564.

The closest of our job hubs by public transport is St. Gallen, about 65 minutes away on a weekday morning.

Income tax

Income tax 2026 (federal, cantonal and communal; no church tax) for an employee with gross labour income of…[1]

ProfileCHF 50’000CHF 80’000CHF 100’000CHF 150’000CHF 200’000CHF 300’000
Single, no children3’586
7.2%		8’574
10.7%		12’596
12.6%		24’165
16.1%		37’344
18.7%		66’015
22.0%
Married, single income, no children1’278
2.6%		4’778
6.0%		7’915
7.9%		17’318
11.5%		30’308
15.2%		58’953
19.7%
Married, dual income (70/30), no children972
1.9%		4’322
5.4%		7’237
7.2%		16’015
10.7%		27’610
13.8%		55’833
18.6%
Married, single income, 2 children0
0.0%		1’891
2.4%		3’995
4.0%		12’501
8.3%		24’100
12.1%		52’662
17.6%

Tax multipliers 2026: canton 105%, commune 92%. Church tax, if you are a member: Protestant 25%, Roman Catholic 17%.[2]

Health insurance premiums 2027

Monthly basic insurance premium, standard model, premium region 3 of St. Gallen.[3]

Cheapest insurerMedian insurer
Adult (26+), CHF 300 deductible, without accident coverCHF 464CHF 499
Child (0–18), CHF 0 deductible, with accident coverCHF 107CHF 127

Commute to job hubs

Median door-to-door time by public transport and on foot, weekday departures every minute 07:00–08:30, from the commune's busiest station. Includes waiting for the next departure.[6]

HubMinutes
St. Gallen65
Chur100
Wil SG102
Winterthur107
Kreuzlingen120
Zürich Airport125
Pfäffikon SZ127
Frauenfeld130

Hubs more than 3 hours away are not listed. Commute to any commune or postcode: Ranking →

Compared with neighbouring communes

Single person, gross income CHF 100’000: income tax per year and median adult premium per month (CHF).

CommuneTax CHF/yr[1]Premium CHF/mo[3]Population[4]
Balgach10’8814995’229
ObereggAI12’5554411’934
Berneck12’5964994’026
WalzenhausenAR12’8325292’111
Au (SG)12’9835228’771

Population

Residents4’026[4]
Foreign nationals20.2%
Aged 0–1920.4%
Aged 20–6458.2%
Aged 65+21.5%
Area5.62 km²[5]

Sources

  1. Source: Federal Tax Administration (FTA/ESTV), tax burden statistics 2026. Tax burden in the communes, tax year 2026; reference date tax year 2026; downloaded 2026-11-03. Licence.
  2. Source: Federal Tax Administration (FTA/ESTV), tax multipliers 2026. Tax multipliers (income tax), tax year 2026; reference date tax year 2026; downloaded 2026-11-03. Licence.
  3. Source: Federal Office of Public Health (FOPH), health insurance premiums 2027. Health insurance premiums 2027 (mandatory basic insurance); reference date 2027 premiums (published Sept 2026); downloaded 2026-11-03. Licence.
  4. Source: Federal Statistical Office (FSO/BFS), STATPOP 2025. Permanent resident population (STATPOP) 2025; reference date 2025-12-31; downloaded 2026-11-03. Licence.
  5. © swisstopo. swissBOUNDARIES3D (swissboundaries3d_2026-01); reference date 2026-01-01; downloaded 2026-11-03. Licence.
  6. Timetable: opentransportdata.swiss; walking network © OpenStreetMap contributors. Public transport commute to job hubs (computed); reference date timetable fahrplan-2026-gtfs2020, 2026-11-03 07:00–08:30; downloaded 2026-11-02. Licence.
  7. Source: Federal Statistical Office (FSO/BFS), Swiss official commune register. Swiss official commune register (historicized); reference date 2026-11-03; downloaded 2026-11-03. Licence.
  10. Wikimedia Commons. Coats of arms of Swiss communes; reference date 2026-11-03; downloaded 2026-11-03. Licence.

Coat of arms: Berneck-blazon.svg, Taktaal, Public domain. Shown to identify the commune; Vicinus is not affiliated with it.