St. Gallen · Wahlkreis Rorschach · BFS commune no. 3214^[8]

Mörschwil

Left of CHF 100’000CHF 69’832per year, after tax, insurance and rent

Income tax^[1]CHF 11’21311.2% of income

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

Rent, 2 rooms^[4]≈ CHF 1’058per month, estimate

Residents^[5]3’70210.3% foreign nationals

Language region^[12]Germanmajority main language

Nearest job hub^[7]31 minto St. Gallen

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

Mörschwil has 3’702 residents, making it the 51st largest of the 75 communes in the canton of St. Gallen.

10% of residents are foreign nationals, below the Swiss average of 28%.

With 24% 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 11’213 a year in income tax here, less than in any of its 7 neighbouring communes and among the lowest 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 St. Gallen, about 31 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	3’158 6.3%	7’601 9.5%	11’213 11.2%	21’734 14.5%	33’842 16.9%	60’372 20.1%
Married, single income, no children	1’125 2.3%	4’229 5.3%	7’035 7.0%	15’527 10.4%	27’468 13.7%	53’982 18.0%
Married, dual income (70/30), no children	849 1.7%	3’802 4.8%	6’392 6.4%	14’277 9.5%	24’844 12.4%	50’964 17.0%
Married, single income, 2 children	0 0.0%	1’651 2.1%	3’488 3.5%	11’136 7.4%	21’732 10.9%	48’177 16.1%

Tax multipliers 2026: canton 105%, commune 67%. Church tax, if you are a member: Protestant 27%, Roman Catholic 16%.^[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 1’058	Estimate
3 rooms couple	≈ CHF 1’333	Estimate
4 rooms family	≈ CHF 1’529	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
St. Gallen	31
Wil SG	69
Winterthur	78
Kreuzlingen	92
Zürich Airport	95
Frauenfeld	98
Rapperswil	99
Zürich Oerlikon	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^[5]
Mörschwil	11’213	522	3’702
Tübach	11’877	522	1’587
Goldach	12’983	522	9’872
Wittenbach	14’089	522	10’157
Untereggen	14’089	522	1’035
Steinach	14’255	522	3’579
Berg (SG)	14’310	522	1’021
St. Gallen	15’139	559	79’487

Population

Residents3’702^[5]

Foreign nationals10.3%

Aged 0–1920.4%

Aged 20–6455.5%

Aged 65+24.1%

Area9.84 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.

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