Vicinus

St. Gallen · Wahlkreis Werdenberg · BFS commune no. 3272[7]

Coat of arms of GamsGams

Left of CHF 100’000CHF 80’140per year, after tax and insurance
Income tax[1]CHF 13’86813.9% of income
Health insurance[3]CHF 499adult, per month
Residents[4]3’73625.7% foreign nationals
Nearest job hub[6]79 minto Chur

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

Buchs (SG)GrabsSennwaldWildhaus-Alt St. Johann Buchs (SG)GrabsSennwaldWildhaus-Alt St. Johann Gams

Gams has 3’736 residents, making it the 50th largest of the 75 communes in the canton of St. Gallen.

26% of residents are foreign nationals, close to the Swiss average of 28%.

A single person earning CHF 100’000 pays about CHF 13’868 a year in income tax here, less than in 2 of its 4 neighbouring communes.

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 Chur, about 79 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 children3’980
8.0%		9’469
11.8%		13’868
13.9%		26’402
17.6%		40’566
20.3%		71’205
23.7%
Married, single income, no children1’419
2.8%		5’283
6.6%		8’725
8.7%		18’966
12.6%		32’922
16.5%		63’525
21.2%
Married, dual income (70/30), no children1’085
2.2%		4’800
6.0%		8’014
8.0%		17’616
11.7%		30’154
15.1%		60’312
20.1%
Married, single income, 2 children0
0.0%		2’112
2.6%		4’461
4.5%		13’757
9.2%		26’276
13.1%		56’790
18.9%

Tax multipliers 2026: canton 105%, commune 115%. Church tax, if you are a member: Protestant 27%, Roman Catholic 24%.[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
Chur79
St. Gallen94
Pfäffikon SZ108
Rapperswil113
Wil SG121
Zürich HB134
Zürich Altstetten134
Uster138

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]
Sennwald11’3794996’428
Grabs13’0384997’535
Gams13’8684993’736
Buchs (SG)14’03352214’287
Wildhaus-Alt St. Johann14’0334992’614

Population

Residents3’736[4]
Foreign nationals25.7%
Aged 0–1922.6%
Aged 20–6458.2%
Aged 65+19.2%
Area22.27 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: Gams-blazon.svg, Taktaal, Public domain. Shown to identify the commune; Vicinus is not affiliated with it.