Ticino · Distretto di Locarno · BFS commune no. 5398^[8]

Gambarogno

Left of CHF 100’000CHF 65’156per year, after tax, insurance and rent

Income tax^[1]CHF 13’89913.9% of income

Health insurance^[3]CHF 712adult, per month

Rent, 2 rooms^[4]≈ CHF 1’033per month, estimate

Residents^[5]4’97723.2% foreign nationals

Language region^[12]Italianmajority main language

Nearest job hub^[7]48 minto Locarno

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

Gambarogno has 4’977 residents, making it the 13th largest of the 100 communes in the canton of Ticino.

23% of residents are foreign nationals, below the Swiss average of 28%.

With 27% of residents aged 65 or over, the population is older than the Swiss average (20%).

A single person earning CHF 100’000 pays about CHF 13’899 a year in income tax here, less than in 5 of its 10 neighbouring communes.

The median standard adult health insurance premium is CHF 712 a month, above the Swiss median of CHF 564.

The closest of our job hubs by public transport is Locarno, about 48 minutes away on a weekday morning.

Living here

Sunshine per year⁠^[13]: 1’790 h; Sunnier than 75% of Swiss communes; MeteoSwiss, normals 1991–2020; average over where people live, terrain shade included
Winter sunshine, Nov–Feb (a fog indicator)⁠^[13]: 220 h; Less winter sun than 80% 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]: 25%; More than in 85% 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: Ticino 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	3’308 6.6%	9’120 11.4%	13’899 13.9%	27’528 18.4%	43’298 21.6%	77’793 25.9%
Married, single income, no children	978 2.0%	4’351 5.4%	8’149 8.1%	20’430 13.6%	35’742 17.9%	70’887 23.6%
Married, dual income (70/30), no children	197 0.4%	2’586 3.2%	5’800 5.8%	16’965 11.3%	30’770 15.4%	65’121 21.7%
Married, single income, 2 children	40 0.1%	969 1.2%	2’796 2.8%	13’029 8.7%	27’202 13.6%	61’692 20.6%

Tax multipliers 2026: canton 100%, commune 85%. Church tax, if you are a member: Protestant 0%, Roman Catholic 0%.^[2]

Health insurance premiums 2027

Monthly basic insurance premium, standard model, premium region 1 of Ticino.^[3]

	Cheapest insurer	Median insurer
Adult (26+), CHF 300 deductible, without accident cover	CHF 677	CHF 712
Child (0–18), CHF 0 deductible, with accident cover	CHF 157	CHF 186

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 1’033	Estimate
3 rooms couple	≈ CHF 1’244	Estimate
4 rooms family	≈ CHF 1’516	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
Locarno	48
Lugano	67
Bellinzona	70
Zug	161
Rotkreuz	171
Baar	173
Luzern	174

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]
Mezzovico-Vira	12’254	712	1’418
Ascona	13’241	712	5’290
Ronco sopra Ascona	13’241	712	516
Minusio	13’702	712	7’273
Gambarogno	13’899	712	4’977
Brissago	13’899	712	1’577
Cadenazzo	14’097	712	3’139
Locarno	14’229	712	16’463
Alto Malcantone	14’229	712	1’374
Monteceneri	14’360	712	4’746
Tenero-Contra	14’426	712	3’417

Population

Residents4’977^[5]

Foreign nationals23.2%

Aged 0–1916.6%

Aged 20–6456.2%

Aged 65+27.3%

Area65.39 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: CHE Gambarogno TI COA.svg, ARK, Public domain. Shown to identify the commune; Vicinus is not affiliated with it.