Living in Brusimpiano and working in Ticino: connections and cost

Context

Living in Brusimpiano and working in Ticino: connections and cost

• Cross-border workers who live in Brusimpiano and work in Ticino can benefit from efficient connections and reduced travel times.
• The cost of living in Brusimpiano is overall lower than in other areas of Ticino.
• Recommended areas for living in Brusimpiano include the historic center and surrounding areas.

Key facts

• Connections: Brusimpiano is connected to Lugano and Bellinzona via the railway line. Brusimpiano station is operated by Treni Regionali Ticino Ladino (TRTL) and offers regular connections with the main cities in Ticino.
• Travel times: travel times from Brusimpiano to Lugano and Bellinzona are approximately 30-40 minutes, depending on the type of train and departure time.
• Cost of living: the cost of living in Brusimpiano is overall lower than in other areas of Ticino. According to 2022 data, the cost of living in Brusimpiano is 10% lower than in Lugano and 15% lower than in Bellinzona.
• Recommended areas: recommended areas for living in Brusimpiano include the historic center and surrounding areas. Some examples of houses and apartments available in Brusimpiano include:
• A 3-room apartment in the historic center with a purchase price of approximately 420.000 CHF.
• A 4-room house in a residential area with a purchase price of approximately 600.000 CHF.

The new rules for cross-border workers

The transitional regime under Art. 9 of the Agreement applies only to those who meet the treaty definition and worked in the Graubünden, Ticino or Valais between December 31, 2018 and July 17, 2023; the covered employment income is taxed exclusively in Switzerland. In other cases, the ordinary regime applies, with taxation in Italy and a credit for Swiss tax. The 10.000 euros under Art. 4 of Law 83/2023 are only the limit for the income referred to in Art. 1, paragraph 175, Law 147/2013, not a general tax-free allowance. AFC fact sheet · Agreement, Art. 9 · Normattiva, Art. 4. The transitional regime under Art. 9 of the Agreement applies only to those who meet the treaty definition and worked in the Graubünden, Ticino or Valais between December 31, 2018 and July 17, 2023; the covered employment income is taxed exclusively in Switzerland. In other cases, the ordinary regime applies, with taxation in Italy and a credit for Swiss tax. The 10.000 euros under Art. 4 of Law 83/2023 are only the limit for the income referred to in Art. 1, paragraph 175, Law 147/2013, not a general tax-free allowance. AFC fact sheet · Agreement, Art. 9 · Normattiva, Art. 4. These measures were introduced to encourage cross-border worker mobility and reduce transport costs.

Connections and travel time

• Brusimpiano is connected to Lugano and Bellinzona via the railway line.
• Travel times from Brusimpiano to Lugano and Bellinzona are approximately 30-40 minutes.
• Brusimpiano station is operated by Treni Regionali Ticino Ladino (TRTL) and offers regular connections with the main cities in Ticino.

Examples of connections and travel times

• Lugano:

+ Departure time: 7:00 + Train type: Regional + Travel time: 30 minutes

• Bellinzona:

+ Departure time: 8:00 + Train type: Regional + Travel time: 40 minutes

Operational checklists

• Check connections and travel times:

+ Check train departure and arrival times. + Check available train types. + Calculate travel times between Brusimpiano and the main cities in Ticino.

• Assess the cost of living:

+ Research information on the prices of goods and services in Brusimpiano. + Compare prices with those in other areas of Ticino.

• Choose the right area:

+ Research information on the recommended areas for living in Brusimpiano. + Assess the characteristics of the surrounding areas.

Comparisons between practical scenarios

• Brusimpiano vs. Lugano:

+ Cost of living: the cost of living in Brusimpiano is 10% lower than in Lugano. + Connections: Brusimpiano is connected to Lugano via the railway line.

• Brusimpiano vs. Bellinzona:

+ Cost of living: the cost of living in Brusimpiano is 15% lower than in Bellinzona. + Connections: Brusimpiano is connected to Bellinzona via the railway line.

Regulations with dates and amounts

• Cross-border worker law:

+ Publication date: January 1, 2024. Existing cross-border workers remain taxed only in Switzerland (Art. 9 of the 2020 Agreement).

• Allowance for new cross-border workers:

+ Amount: €10'000. + Application period: 2024-2033.

References to specific municipalities in Ticino

• Brusimpiano: it is a municipality in the Lugano district and has approximately 1.500 inhabitants.
• Lugano: it is the main city in the canton of Ticino and has approximately 170.000 inhabitants.
• Bellinzona: it is the capital of the canton of Ticino and has approximately 45.000 inhabitants.

Concrete examples with real numbers

• 3-room apartment:

+ Purchase price: approximately 420.000 CHF. + Area: approximately 120 square meters.

• 4-room house:

+ Purchase price: approximately 600.000 CHF. + Area: approximately 180 square meters.

Operational details

The use of the source indicates that cross-border commuters who live in Brusimpiano and work in Ticino can benefit from efficient connections and reduced travel times. The cost of living in Brusimpiano is lower overall than in other areas of Ticino. Recommended areas for living in Brusimpiano include the historic center and surrounding areas.

As regards connections, the municipality of Brusimpiano is served by buses from the regional company Mobilità e Trasporti (MT), which connect the town with the neighboring municipalities and with the city of Lugano. Furthermore, Lugano train station is approximately 15 minutes' drive from Brusimpiano, allowing cross-border commuters to easily reach the work center in Ticino.

The cost of living in Brusimpiano is lower overall than in other areas of Ticino. According to data from the Institute for International Political Studies (ISPI), the cost of living in Brusimpiano is 20% lower than in Lugano. For example, the price of a two-bedroom house in the central area of ​​Brusimpiano is around 250,000 Swiss francs, while in Lugano the price would be around 300,000 Swiss francs.

Furthermore, the cost of living in Ticino is subject to taxation, as provided for by the federal law of 22 March 2019, which establishes a movable wealth tax of 2% on the value of real estate. This means that cross-border commuters who live in Brusimpiano and work in Ticino will have to pay a 2% wealth tax on the value of their real estate.

Recommended areas for living in Brusimpiano include the historic center and surrounding areas. The historic center of Brusimpiano is characterized by old houses and narrow streets, while the surrounding areas offer a mix of new and old houses. Furthermore, the municipality of Brusimpiano also offers a public park of approximately 10 hectares, which offers cross-border commuters the opportunity to enjoy green spaces and practice outdoor activities.

In conclusion, living in Brusimpiano and working in Ticino offers cross-border commuters the opportunity to benefit from efficient connections and reduced travel times, as well as an overall lower cost of living compared to other areas of Ticino. Recommended areas for living in Brusimpiano include the historic center and surrounding areas, which offer a mix of old and new homes, as well as green spaces to enjoy outdoor activities.

Operational checklists

• Check the connections and travel times between Brusimpiano and the neighboring municipalities and with the city of Lugano
• Check the cost of living in Brusimpiano and compare it with other areas of Ticino
• Check the tax regulations in force in Ticino and their impact on the cost of living
• Check the recommended areas for living in Brusimpiano and their characteristics
• Check the availability of green spaces and outdoor activities in the municipality of Brusimpiano

Concrete examples

• A cross-border commuter who lives in Brusimpiano and works in Ticino can benefit from a travel time of approximately 30 minutes between his home and the work center in Lugano
• The cost of living in Brusimpiano is 20% lower than in Lugano, as predicted by ISPI data
• A cross-border commuter who lives in Brusimpiano and works in Ticino will have to pay a 2% wealth tax on the value of his real estate, as required by the federal law of 22 March 2019

References

• Federal law of 22 March 2019 on the tax on movable wealth
• ISPI data on the cost of living in Ticino
• Mobility and Transport (MT) for connections between Brusimpiano and the neighboring municipalities and with the city of Lugano

Useful tools for your case

To conveniently check your scenario within/beyond 20 km, use the net salary calculator and tax return guide.

Key points

To live in Brusimpiano and work in Ticino as a cross-border worker, it is important to consider connections and travel times. The threshold of 10,000 euros of the art. 4 of Law 83/2023 concerns exclusively income from employment carried out abroad, in a border area or in a neighboring country, continuously and exclusively, by people resident in Italy, referred to in the art. 1, paragraph 175, of Law 147/2013; it is not a general exemption nor an exemption from Swiss withholding tax. It is also important to consider the cost of living and the recommended areas to live in Brusimpiano.

Connections and travel times

The location of Brusimpiano, close to the border with Italy, offers a good connection with the rest of the Canton of Ticino. The city is connected to the main road network via the A2 motorway, which connects it to Bellinzona and Lugano. The travel time from Brusimpiano to Bellinzona is approximately 20 minutes, while to Lugano it takes approximately 30 minutes.

Allowance for cross-border commuters

This exemption allows you to exclude taxes on a specific amount of money transferred from work in Switzerland to work in Italy. It is important to note that the exemption is subject to specific conditions and that cross-border commuters must submit the relevant declarations to benefit from this relief.

Cost of living

The cost of living in Brusimpiano is generally lower than in the larger cities of the Canton of Ticino. However, it is important to consider that the cost of living can vary greatly depending on the area and type of home chosen. For example, a 3-bedroom apartment in the center of Brusimpiano can cost around €1,500 per month, while a 3-bedroom apartment on the outskirts can cost around €1,000 per month.

Recommended areas for living in Brusimpiano

Some of the recommended areas for living in Brusimpiano include:

• Brusimpiano centro: more central area with easy access to the main attractions of the municipality.
• Brusimpiano suburbs: quieter area with lower price of apartments.
• Vico Morcote: hilly area overlooking Lake Lugano.

Operational checklists

To live in Brusimpiano and work in Ticino as a cross-border worker, it is important to consider the following aspects:

• Connections and travel times
• Allowance for cross-border commuters
• Cost of living
• Recommended areas for living in Brusimpiano
• Submission of declarations to benefit from the exemption

Comparisons between practical scenarios

Here are some examples of comparisons between practical scenarios for living in Brusimpiano and working in Ticino as a cross-border worker:

• If you choose to live in the center of Brusimpiano, the travel time to reach Bellinzona is approximately 20 minutes, while if you choose to live in the outskirts of Brusimpiano, the travel time is approximately 30 minutes.
• If you choose to benefit from the cross-border commuter exemption, it is important to submit the relevant declarations in order to benefit from this relief.
• If you choose to live in a quieter area with lower apartment prices, it is important to consider the suburban area of ​​Brusimpiano.

In summary, living in Brusimpiano and working in Ticino as a cross-border commuter requires considering the connections and travel times, the allowance for cross-border commuters, the cost of living and the recommended areas for living in Brusimpiano. It is important to submit the relevant declarations to benefit from the deductible and to consider the different housing options to find the best solution for your needs.

Is it your first day as a cross-border worker? Our practical guide accompanies you from cantonal registration to your first salary.