St. Gallen · Wahlkreis Sarganserland · BFS commune no. 3292^[8]

Flums

Left of CHF 100’000CHF 67’824per year, after tax, insurance and rent

Income tax^[1]CHF 14’42114.4% of income

Health insurance^[3]CHF 522adult, per month

Rent, 2 rooms^[4]≈ CHF 958per month, estimate

Residents^[5]5’45824.1% foreign nationals

Language region^[12]Germanmajority main language

Nearest job hub^[7]65 minto Chur

Single person, gross income CHF 100’000, median insurer, 2-room flat. See how Flums ranks for your household →
Compare Flums with another commune →

Flums has 5’458 residents, making it the 34th largest of the 75 communes in the canton of St. Gallen.

24% of residents are foreign nationals, below the Swiss average of 28%.

A single person earning CHF 100’000 pays about CHF 14’421 a year in income tax here, less than in 1 of its 5 neighbouring communes and among the highest quarter in St. Gallen.

The median standard adult health insurance premium is CHF 522 a month, below the Swiss median of CHF 564.

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

Living here

Sunshine per year⁠^[13]: 1’620 h; Less sunny than 70% of Swiss communes; MeteoSwiss, normals 1991–2020; average over where people live, terrain shade included
Winter sunshine, Nov–Feb (a fog indicator)⁠^[13]: 340 h; More winter sun than 85% of communes; MeteoSwiss, normals 1991–2020. Little winter sun usually means fog or a shaded valley; it is not a count of fog days
Residents with road noise above 55 dB(A) by day⁠^[14]: 24%; More than in 80% of communes; BAFU sonBASE road noise model 2021; estimate from where people live
Residents with rail noise above 55 dB(A) by day⁠^[14]: 0.2%; More than in 70% of communes; BAFU sonBASE rail noise model 2021; estimate from where people live
Residents in areas where heavy rain can flood the ground over 10 cm deep⁠^[15]: 6%; Median: St. Gallen 8%, Switzerland 7%; BAFU surface runoff hazard map 2018; an overview, not an assessment of any building

Federal overview map only. For floods, landslides and avalanches at a specific address, check the canton's hazard map. Open the federal hazard maps here →

Income tax

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

Profile	CHF 50’000	CHF 80’000	CHF 100’000	CHF 150’000	CHF 200’000	CHF 300’000
Single, no children	4’151 8.3%	9’859 12.3%	14’421 14.4%	27’373 18.2%	41’968 21.0%	73’464 24.5%
Married, single income, no children	1’480 3.0%	5’503 6.9%	9’077 9.1%	19’682 13.1%	34’058 17.0%	65’514 21.8%
Married, dual income (70/30), no children	1’135 2.3%	5’008 6.3%	8’352 8.4%	18’312 12.2%	31’260 15.6%	62’262 20.8%
Married, single income, 2 children	0 0.0%	2’208 2.8%	4’664 4.7%	14’304 9.5%	27’224 13.6%	58’584 19.5%

Tax multipliers 2026: canton 105%, commune 125%. Church tax, if you are a member: Protestant 24%, Roman Catholic 24%.^[2]

Health insurance premiums 2027

Monthly basic insurance premium, standard model, premium region 2 of St. Gallen.^[3]

	Cheapest insurer	Median insurer
Adult (26+), CHF 300 deductible, without accident cover	CHF 484	CHF 522
Child (0–18), CHF 0 deductible, with accident cover	CHF 112	CHF 131

Rent

Average monthly net rent (without service charges and heating) paid by tenants, BFS Structural Survey 2023.^[4]

Flat	CHF/month	Basis
2 rooms single	≈ CHF 958	Estimate
3 rooms couple	≈ CHF 1’239	Estimate
4 rooms family	≈ CHF 1’377	Estimate

BFS publishes no rent for this commune, so these are estimates (≈), not measured figures: the canton’s average rent, adjusted for the type of commune. New leases usually cost more than these averages. How rent is estimated

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.^[7]

Hub	Minutes
Chur	65
Pfäffikon SZ	72
Rapperswil	83
Uster	104
Zürich HB	110
St. Gallen	110
Zürich Altstetten	114
Dübendorf	119

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).

Commune	Tax CHF/yr^[1]	Premium CHF/mo^[3]	Population^[5]
Quarten	13’149	522	3’118
Glarus SüdGL	13’330	517	9’634
Walenstadt	13’591	522	6’083
Flums	14’421	522	5’458
Mels	14’421	522	9’581
Wartau	15’527	522	5’617

Population

Residents5’458^[5]

Foreign nationals24.1%

Aged 0–1920.8%

Aged 20–6459.3%

Aged 65+19.9%

Area75.15 km²^[6]

Sources

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.
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.
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.
Source: Federal Statistical Office (FSO/BFS), Structural Survey 2023. Average rent by number of rooms (Structural Survey 2023); reference date 2023 (Structural Survey); downloaded 2026-11-03. Licence.
Source: Federal Statistical Office (FSO/BFS), STATPOP 2025. Permanent resident population (STATPOP) 2025; reference date 2025-12-31; downloaded 2026-11-03. Licence.
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.
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.
Wikimedia Commons. Coats of arms of Swiss communes; reference date 2026-11-03; downloaded 2026-11-03. Licence.
Source: Federal Statistical Office (FSO/BFS), language regions. Language regions (Structural Survey 2016–2020); reference date 2016–2020; downloaded 2026-11-03. Licence.
Source: MeteoSwiss. Sunshine duration, climate normals 1991–2020 (spatial analysis); reference date 1991–2020; downloaded 2026-11-03. Licence.
Source: Federal Office for the Environment (FOEN/BAFU), sonBASE. Road and rail noise by day, sonBASE (model 2021); reference date 2021; downloaded 2026-11-03. Licence.
Source: FOEN/BAFU, cantonal building insurers (VKG), Swiss Insurance Association (SVV), surface runoff hazard map. Surface runoff hazard map (2018); reference date 2018-05-22; downloaded 2026-11-03. Licence.
Source: Federal Statistical Office (FSO/BFS), STATPOP 2025. Population and households statistics (STATPOP) 2025, hectare data; reference date 2025-12-31; downloaded 2026-11-03. Licence.

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