Selling property in Ruswil: a vote on a new municipal building

There is no official price series for Ruswil. Unlike the Canton of Zurich, the Canton of Lucerne publishes no median prices by municipality. What portals quote for Ruswil are asking prices, not prices paid.

What is on record is the stock: Ruswil has 1,409 buildings with residential use in the Sursee constituency. 519 of them are single-family houses, or 36.8%. The cantonal figure is 45.3%. Ruswil ranks 19 of 19 in the Sursee constituency. In total, Ruswil has 3,419 dwellings. 48.0% were built before 1981, against 49.9% in the canton. 14.4 hectares of 148 hectares of building zone are undeveloped, or 9.7% (as of 2022). For the share of undeveloped zone, Ruswil ranks 26 of 79 in the canton.

What your house in Ruswil is worth follows from comparable sales, the plot and its condition. The free assessment provides a written range with its explanation.

In a vote in November 2019, Ruswil residents chose the former Landi site in the south-west of the village centre for a new municipal building.¹¹ The winning design, «zäme» by TGS Architekten, is a four-storey timber building for the municipal administration.¹¹ It also includes a public square on Wolhuserstrasse and a courtyard garden on Chasteleweg.¹¹ Both are meant to enhance the village centre.¹¹

A briefing assembly is set for 16 November 2026. The ballot on the construction loan follows on 29 November 2026.¹¹ If approved, the building is due to be occupied by 2030.¹¹ Ruswil also has a low share of single-family houses. Only 36.8 per cent of its residential buildings are single-family houses.¹² Just six of the 79 Lucerne municipalities have an even lower share.¹² For a sale, a single-family house is comparatively rare in Ruswil, and the village centre may change visibly by 2030.

In Ruswil, 677 of 1,409 buildings with residential use date from before 1981. That is 48.0%. Among the 79 municipalities in the canton, that is rank 32, counting from the highest share. In the Sursee constituency: rank 3 of 19. Ruswil therefore has a lower share than the canton at 49.9%. Compared with Ruswil, the figure in Sursee is 56.5%.

In Ruswil, oil or gas heats 390 buildings with residential use, 27.7%, against 39.7% in the canton. Among the 79 municipalities in the canton, that is rank 56, counting from the highest share. Oil and gas are less common in Ruswil than the cantonal average.

Anyone selling in Ruswil adds records of heating, roof and windows to the sale documents. From 1 January 2029, owners living in their home in Ruswil lose the imputed rental value and the maintenance deduction.¹ The calculation before a renovation is in Renovate or sell.

Ruswil has 7,645 residents. 1,449 of them, 19.0%, are 65 or older, against 19.4% in the canton. Among the 79 municipalities in the canton, that is rank 33, counting from the highest share. In the Sursee constituency: rank 5 of 19. Compared with Ruswil, the figure in Sursee is 19.5%.

On 1 June 2026, 6 homes in Ruswil were empty, 0.18% of the stock, against 0.70% in the canton. Among the 79 municipalities in the canton, that is rank 18, counting from the lowest vacancy. For Ruswil, the figure counts all homes; it does not measure houses on the market.

The municipal tax rate of Ruswil is 2 units. Among the 79 municipalities in the canton, that is rank 44, counting from the lowest tax rate. It applies to income and wealth; the municipality atlas compares all municipalities. By public transport, Zurich HB is 81 minutes away from the Ruswil, Rottalcenter stop, with 2 changes.

In Lucerne, property gains tax follows the income tax scale for single people, even for married couples. The law multiplies this by 4.2 units, the same everywhere. Under five years owned, the tax rises by up to 50 per cent. After more than nine years, it falls by up to 25 per cent.²

Sellers of an owner-occupied home may defer the tax. They must buy or build a new Swiss home within two years before or after the sale. A holiday or second home does not count. Only the part by which it costs more than their acquisition costs is deferred. Deferred does not mean waived. The deferred gain is taxed when the new home is sold.²

A property transfer tax of 1.5 per cent of the purchase price also applies. The buyer alone owes it.³

Only a Lucerne notary may certify the purchase contract. This can be a lawyer with an office in the canton, or a licensed municipal clerk.⁴