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-   -   Free disposable income by Gemeinde (CS study) (https://www.englishforum.ch/housing-general/304355-free-disposable-income-gemeinde-cs-study.html)

komsomolez 31.05.2021 10:45

Free disposable income by Gemeinde (CS study)
 
Credit Suisse study on where you have how much left after tax, housing, insurance, commutes.

Not entirely surprising that cost of housing is the main factor and one can live cheaper in the middle of nowhere. Still a worthwile read and a good interactive map.

https://www.credit-suisse.com/ch/en/...en-202104.html

Axa 31.05.2021 11:25

Re: Free disposable income by Gemeinde (CS study)
 
Very interesting but the color scale is quite confusing. I checked the numbers for married couple (no kids):

Genève (purple) = 30'200
Zurich (purple) = 39'800
Bern (purple) = 49'500

The place I live in Rüebliland (pink): 61'000
Light green gemeinde also in Aargau: 64'100

One of the darkest green gemeindes I found in Wallis (Zwichbergen): 72,900

So, almost 20K difference in freely disposable income between Bern and Genève and they look about the same color. At the same time, difference of 3K, is a different color. And the darkest green I found only ~10K above a pink below median. Something wrong with my computer screen, or....do I need and eyesight test? :confused:

The last time we moved I made the following calculation. If we live in the middle of nowhere(*) the car is free. Free in the sense that the rent difference of an apartment of equivalent size and features between Rüebliland and ZH pays for car financing, taxes, fuel , insurance and parking.

(*) Not exactly in the middle of nowhere. ZH airport is a direct train away. The IC5 that takes you anywhere in CH is 5 min away. There's night bus for those beer evenings and all streets are kept snow free :D

komsomolez 31.05.2021 16:38

Re: Free disposable income by Gemeinde (CS study)
 
Quote:

Originally Posted by Axa (Post 3311923)
One of the darkest green gemeindes I found in Wallis (Zwichbergen): 72,900

As the study says, regional income differences were disregarded as essentially they wanted to look into the economics of commuting (and CS financing houses "in the middle of nowhere"). I doubt that many of the 74 citizens of Zwischbergen have more than 72k gross income, let alone disposable income.


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