Lucerne · Wahlkreis Luzern-Land · BFS commune no. 1058[7]
Horw
Single person, gross income CHF 100’000, median insurer. See how Horw ranks for your household →
Compare Horw with another commune →
Horw has 15’939 residents, making it the 4th largest of the 79 communes in the canton of Lucerne.
19% of residents are foreign nationals, below the Swiss average of 28%.
A single person earning CHF 100’000 pays about CHF 11’366 a year in income tax here, less than in 2 of its 6 neighbouring communes and among the lowest quarter in Lucerne.
The median standard adult health insurance premium is CHF 550 a month, about the Swiss median of CHF 564.
The closest of our job hubs by public transport is Luzern, about 23 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]
| Profile | CHF 50’000 | CHF 80’000 | CHF 100’000 | CHF 150’000 | CHF 200’000 | CHF 300’000 |
|---|---|---|---|---|---|---|
| Single, no children | 3’479 7.0% | 8’120 10.2% | 11’366 11.4% | 21’018 14.0% | 32’644 16.3% | 59’379 19.8% |
| Married, single income, no children | 877 1.8% | 5’096 6.4% | 8’126 8.1% | 16’313 10.9% | 28’104 14.1% | 55’035 18.3% |
| Married, dual income (70/30), no children | 158 0.3% | 4’024 5.0% | 6’992 7.0% | 14’679 9.8% | 24’822 12.4% | 51’252 17.1% |
| Married, single income, 2 children | 50 0.1% | 1’848 2.3% | 4’375 4.4% | 11’774 7.8% | 22’140 11.1% | 48’987 16.3% |
Tax multipliers 2026: canton 145%, commune 140%. Church tax, if you are a member: Protestant 25%, Roman Catholic 25%.[2]
Health insurance premiums 2027
Monthly basic insurance premium, standard model, premium region 1 of Lucerne.[3]
| Cheapest insurer | Median insurer | |
|---|---|---|
| Adult (26+), CHF 300 deductible, without accident cover | CHF 496 | CHF 550 |
| Child (0–18), CHF 0 deductible, with accident cover | CHF 124 | CHF 142 |
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]
| Hub | Minutes |
|---|---|
| Luzern | 23 |
| Rotkreuz | 52 |
| Zug | 59 |
| Baar | 72 |
| Olten | 76 |
| Zürich HB | 91 |
| Aarau | 93 |
| Liestal | 104 |
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[4] |
|---|---|---|---|
| Hergiswil (NW)NW | 9’105 | 480 | 6’316 |
| Meggen | 9’679 | 513 | 7’718 |
| StansstadNW | 10’398 | 480 | 4’916 |
| Weggis | 11’029 | 501 | 4’874 |
| Horw | 11’366 | 550 | 15’939 |
| Luzern | 11’535 | 550 | 86’699 |
| Kriens | 12’884 | 550 | 30’685 |
Compare Horw with: Luzern, Kriens
Population
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 Statistical Office (FSO/BFS), STATPOP 2025. Permanent resident population (STATPOP) 2025; reference date 2025-12-31; downloaded 2026-11-03. Licence.
- © swisstopo. swissBOUNDARIES3D (swissboundaries3d_2026-01); reference date 2026-01-01; 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.
Coat of arms: CHE Horw COA 2025.svg, ARK, Public domain. Shown to identify the commune; Vicinus is not affiliated with it.
