Civiora Index
Derived from official data85/100
High index
National rank: 19 / 2’110 · Top 1% nationally
Confidence level: high · v1.1.0 — Civiora Index computed from official public data. Proprietary, non-official index. Understand the index
Taxes — tax burden by scenario
Tax burden ranking →Official| Cham | Swiss median | |
|---|---|---|
| Single, CHF 80’000 | 4.42 % | 13.29 % |
| Single, CHF 120’000 | 6.90 % | 17.36 % |
| Married couple, CHF 120’000 | 3.84 % | 11.31 % |
| Family, 2 children, CHF 150’000 | 2.06 % | 9.98 % |
| Retiree, CHF 80’000 | 5.62 % | 16.43 % |
2025 tax burden in % of gross income (federal, cantonal and communal taxes; earned income, no wealth, no church tax). Calculation FTA, Swiss tax calculator.
Federal Tax Administration (FTA)Tax burden 2025 — Swiss tax calculator (model cases)View source
Electricity
Analysis: 2026 tariffs →2026 tariff ranking →Official21.88 ct./kWh
of which energy 6.30 · grid 11.12 ct./kWh
Swiss median: 27.89 ct./kWh
Tariff breakdown
Profile H4: household using 4’500 kWh/year, operator’s standard product. Tariff year 2026.
Federal Electricity Commission (ElCom)Electricity tariffs 2026, profile H4, standard productView source
Health insurance premiums
Analysis: 2026 premiums →2026 premium ranking →Derived from official data430 CHF/month
Swiss median: 583 CHF/month
Median monthly premium 2026, adult (26+), CHF 300 deductible, with accident, standard model — median of the 27 offers in premium region ZG-0 (Civiora calculation on FOPH data).
Official FOPH average premiums 2026 (all deductibles and models)
311.50 CHF/month
227.50 CHF/month
86.30 CHF/month
Federal Office of Public Health (FOPH)Compulsory health insurance premiums 2026 (priminfo)View source
Population and demographics
Analysis: 2010-2024 growth →OfficialPopulation change 2010–2024
| Population | |
|---|---|
| 2010 | 14’808 |
| 2011 | 14’976 |
| 2012 | 15’020 |
| 2013 | 15’375 |
| 2014 | 15’523 |
| 2015 | 15’954 |
| 2016 | 16’216 |
| 2017 | 16’571 |
| 2018 | 16’723 |
| 2019 | 16’893 |
| 2020 | 17’042 |
| 2021 | 17’076 |
| 2022 | 17’643 |
| 2023 | 17’867 |
| 2024 | 18’273 |
18’273 inhabitants
Density: 1’031 inhab./km² · 2024
+2.3 % vs previous year (2023–2024)
Age structure (2024)
Federal Statistical Office (FSO)STATPOP — permanent resident population (STAT-TAB), status 31.12.2024View source
Housing
Analysis: vacant dwellings →Vacancy rate ranking →OfficialVacancy rate 2015–2025
| Vacancy rate (%) | |
|---|---|
| 2015 | 0.15 |
| 2016 | 0.27 |
| 2017 | 0.81 |
| 2018 | 0.22 |
| 2019 | 0.10 |
| 2020 | 0.73 |
| 2021 | 0.29 |
| 2022 | 0.48 |
| 2023 | 0.58 |
| 2024 | 0.45 |
| 2025 | 0.38 |
Federal Statistical Office (FSO)Vacant dwellings count, 1 June 2025View source
Federal Statistical Office (FSO)Buildings and dwellings statistics (GWS) — housing stock 2024View source
Public transport
Analysis: transport service →Derived from official dataService on typical days (2026 timetable)
Departures counted in the official 2026 timetable (GTFS) on typical days: Tuesday 08.09.2026 and Sunday 13.09.2026. Every call at every stop in the municipality counts as one departure. Civiora calculation.
Number of public transport stops within the municipal territory (as of 04.08.2026). Civiora count based on the official service point list.
opentransportdata.swiss (ATLAS, SBB on behalf of the Confederation)Public transport service points, status 04.08.2026View source
opentransportdata.swiss (official GTFS timetable)2026 timetable (GTFS, 01.08.2026 edition) — typical daysView source
Territory and local economy
OfficialFederal Statistical Office (FSO)Regional portraits 2021 — key figures of communesView source
Coat of arms: Wikimedia Commons — File:CHE Cham ZG COA.svg
Next expected data: 2027 electricity tariffs (August 2026) · 2027 premiums (Sept.–Oct. 2026) · STATPOP 2025 and 2026 vacant dwellings (Aug.–Sept. 2026).