T&H price index: costs for housing and mobility
The Comparis T&H price index measures price developments in the areas of housing and mobility. The year-on-year comparison shows that prices have remained stable.
18.12.2025
iStock / Michael Derrer Fuchs
1. How have prices for housing and mobility changed?
According to the T&H price index, the prices for housing and mobility in November 2025 compared to the same month last year remained stable, with a 0.0% change. For comparison: The National Consumer Price Index (LIK) remained unchanged.
Strongest price increases compared to the previous year
Prices rose particularly sharply for motor vehicle insurance have risen: they are 6.1% more expensive than in November 2025.
The prices for home cleaning services rose by 2.0% compared to the previous year.
For apartment rentals you pay 1.6% more than 12 months ago.
Strongest price declines compared to the previous year
The prices for electricity have fallen by 8.7% within 12 months.
Prices for floor coverings and carpets have also become cheaper – with a decrease of 6.9%.
The prices for used cars have fallen by 5.4%.
More figures and background information on the study results can be found in the Comparis T&H price index for November 2025.
The T&H price index measures inflation specifically in the areas of transportation and housing– including the costs for the car, public transport, rent and electricity.
What is the T&H price index good for?
Housing and mobility make up around 40% of the budget for an average family in Switzerland 40% of the budget for daily consumption.
The problem: costs for the apartment, public transport or the car are so-called sluggish consumption items. Such costs are fixed and cannot be easily influenced by one’s own consumption behaviour. Price increasesin housing and mobility are therefore for many particularly painful.
In other statistics, these important expenditure items are not taken into account enough. The T&H price index creates transparency and sheds light on these figures in detail.
How is the T&H price index calculated?
The calculation is carried out in cooperation with the KOF Swiss Economic Institute at ETH Zurich. The index complements the Comparis consumer price index and the Comparis leisure index.
2. Housing and mobility: Price increase has slowed down significantly in the last three years
The price increase of the T&H price index has been 2.8% in total over the last three years. Since then, it has continuously weakened. For comparison: The CPI increased by 2.2% during this time. Among the products that have fallen in price the most in the last three years are energy for heating, down 19.4%. A closer look at the types of heating shows:
Heating oil: down 30.7%
Gas: down 16.4%
Firewood: down 10.5%
District heating tariffs are strongly investment- and index-driven and are offered in a local monopoly. Therefore, prices react only very slowly and with a long delay. In contrast, gas and heating oil prices depend directly on world market and spot prices. That’s why they react faster to price changes.
3. Rents continue to rise
Contrary to the general flattening of inflation, the prices for apartment rentals have risen by 0.2% in the last three months. Compared to November 2024, it is as much as 1.6%.
By far the largest budget item of an average household is housing rents. In the CPI, they make up around 16%. At the same time, they are one of the few expenditure categories that have been continuously increasing for years. People looking for a home can attest to this. This is because supply remains significantly below demand. This is also driving the price dynamics.
According to Renkert, the situation is somewhat different for existing tenants: due to the two recent reductions in the reference interest rate, tenants currently have the opportunity to request rent reductions.
4. Who feels the inflation the most?
Not all Swiss households are equally affected by inflation. Consumer behaviour differs, among other things, depending on age, income and region.
T&H price index by income
The lowest income bracket feels the inflation most strongly, with an increase of 0.2% compared to the previous year. Compared to August 2025, inflation was +0.1%.
Hardly affected by inflation was the highest income bracket. Compared to the previous year, prices have even fallen by 0.2% for them. Compared to August 2025, consumption remained unchanged in terms of price for them.
T&H price index by age & living situation
Single-person households under 65 years of age experienced the highest inflation compared to the previous year, with an increase of 0.3%. Compared to August 2025, prices rose by 0.1% for them.
Couples aged 65 and over without children felt the lowest inflation. Compared to the previous year, their perceived inflation has even decreased by 0.3%. In the 3-month comparison, inflation remained unchanged for them.
This article was first published on 27.03.2024
