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Municipal profile

Coat of arms of St. Stephan

St. Stephan

Canton: Bern (BE)

Civiora Index

Derived from official data

45/100

Below the median

National rank: 1’494 / 2’110

Taxes10/100
Premiums63/100
Electricity18/100
Housing56/100
PT service90/100

Confidence level: high · v1.1.0 · Civiora Index computed from official public data. Proprietary, non-official index. Understand the index

Median altitude1’633 m
Area60.9 km²
Postcode3772
FSO no.793
DistrictVerwaltungskreis Obersimmental-Saanen
Tax burden15.5 %Single, CHF 80’000 · 2026 more than SwitzerlandSwiss median: 13.1 %
Electricity price29.9 ct./kWhH4 · 2027 more than SwitzerlandSwiss median: 26.9 ct./kWh
Health insurance premiums597 CHF/monthAdult · 2027 in line with SwitzerlandSwiss median: 599 CHF
Population1’316+0.5 % over 5 years (2020–2025) less than SwitzerlandSwiss median: +4.4 %
Vacancy rate0.94 %01.06.2026 more than SwitzerlandSwiss median: 0.83 %
Public transport stops19At least one rail stop

Taxes: tax burden by scenario

Tax burden ranking →Official

On a salary of CHF 80’000 a year, a single person in St. Stephan pays 15.5% of their gross income in tax, or about CHF 12’380 a year. That is CHF 1’900 more than in the median Swiss municipality.

St. StephanSwiss median
Single, CHF 80’000 approx. 12’380 CHF/year1’900 CHF/year more
15.5 %
13.1 %
Single, CHF 120’000 approx. 22’910 CHF/year2’210 CHF/year more
19.1 %
17.2 %
Married couple, CHF 120’000 approx. 17’460 CHF/year4’000 CHF/year more
14.6 %
11.2 %
Family, 2 children, CHF 150’000 approx. 19’410 CHF/year4’500 CHF/year more
12.9 %
9.9 %
Retiree, CHF 80’000 approx. 14’900 CHF/year1’920 CHF/year more
18.6 %
16.2 %

2026 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 2026: Swiss tax calculator (model cases)View source

Electricity

2027 tariff ranking →Derived from official data

A typical household (profile H4, 4’500 kWh a year) in St. Stephan pays 29.88 ct. per kWh, or about CHF 1’340 a year. That is CHF 134 a year more than in the median Swiss municipality.

29.88 ct./kWh

more than SwitzerlandSwiss median: 26.91 ct./kWh

Tariff breakdown

Energy (the electricity itself) 9.28Grid (delivery to the meter) 15.02Levies and surcharge (public charges and levies) 5.58ct./kWh

Municipality served by 2 grid operators: value = median of tariffs (Civiora calculation on official ElCom data).

Federal Electricity Commission (ElCom)Electricity tariffs 2027, profile H4, standard productView source

Health insurance premiums

2027 premium ranking →Derived from official data

An adult in St. Stephan pays a median CHF 597 a month for basic health insurance, or about CHF 7’160 a year (CHF 300 deductible, accident cover included). That is in line with the Swiss median (CHF 599).

597 CHF/month

in line with SwitzerlandSwiss median: 599 CHF

Median monthly premium 2027, adult (26+), CHF 300 deductible, with accident, standard model: median of the 26 offers in premium region BE-3 (Civiora calculation on FOPH data).

Official FOPH average premiums 2027 (all deductibles and models)

Adult455.30 CHF/monthapprox. 5’460 CHF/year
19–25 years303.00 CHF/monthapprox. 3’640 CHF/year
Child113.90 CHF/monthapprox. 1’370 CHF/year

Federal Office of Public Health (FOPH)Compulsory health insurance premiums 2027 (priminfo)View source

Population and demographics

Official

St. Stephan has 1’316 inhabitants at the end of 2025, 0.5% more than five years ago (Swiss median: +4.4%).

Population change 2010–2025

1’316 inhabitants

Density: 22 inhab./km² · 2025

−0.8 % vs previous year (2024–2025)

Age structure (2025)

0–19 years 20.4 %20–64 years 54.5 %65 and over 25.1 %

About 1 resident in 5 is under 20, and 1 in 4 is 65 or over. About 1 resident in 11 (9.2%) holds a foreign nationality.

Federal Statistical Office (FSO)STATPOP: permanent resident population (STAT-TAB), status 31.12.2025View source

Housing

Vacancy rate ranking →Official

On 1 June 2026, 0.94% of homes in St. Stephan were vacant, about 1 in 106 (Swiss median: 0.83%). The higher this rate, the easier it is to find a home.

Vacancy rate 2016–2026

Vacant dwellings1101.06.2026
Housing stock (2024)1’176

Federal Statistical Office (FSO)Vacant dwellings count, 1 June 2026View source

Federal Statistical Office (FSO)Buildings and dwellings statistics (GWS): housing stock 2024View source

Public transport

Derived from official data

St. Stephan has 19 public transport stops. On an ordinary Tuesday, 150 departures are scheduled across all stops, 18 of them after 8 pm.

Public transport stops19At least one rail stop
Departures on a typical Tuesday150of which evening (from 8 pm): 18 (12 %)
Departures on a typical Sunday12684 % of the typical Tuesday
Public transport stops / 1’00014.44Swiss median: 3.33

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.

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

Official

St. Stephan’s territory is 2.4% built-up, 50.7% farmland and 31.6% forest (survey 2004/2009).

Built-up 2.4 %Farmland 50.7 %Forest 31.6 %Other (water, rock…) 15.3 %
Jobs675reference year 2018
Establishments160reference year 2018
Social assistance rate1.1 %reference year 2019

Federal Statistical Office (FSO)Regional portraits 2021: key figures of communesView source