Tax tips for Properties
Save taxes on your own home. Your guide to real estate deductions, maintenance payments and clever investment planning to reduce your tax burden.
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The imputed rental value and its taxation
Anyone who lives in their own property in Switzerland must comply with the so-called Imputed rental value tax as fictitious income. This value corresponds to around 60% to 70% of the rent that you would earn for a comparable property. Although Swiss voters decided to abolish the imputed rental value in 2025, the current system remains in force for the 2026 tax period. This means that personal use must continue to be declared as income.
Deductions for maintenance and renovations
In order to offset the imputed rental value tax, property owners can fully deduct maintenance costs. This includes repairs, insurance premiums for the building and investments in environmental protection (e.g. solar systems or heat pumps). Every year, you have the choice between lump sum deduction (usually 10% to 20% of the imputed rental value) or the deduction of effective costsif they were higher.
Debt interest and mortgages
Mortgage interest can be deducted directly from taxable income. In times of rising interest rates, this is an essential lever to reduce the tax bill. In addition, the mortgage debt reduces your taxable assets, as the liabilities are deducted from the total value of the property.
Exclusively with iqtax: Calculating complex property deductions is child's play. iqtax automatically recognizeswhether the lump sum deduction or the actual costs are more worthwhile for you. In addition, iqtax helps you correctly record energy-related renovations so that you don't give away a single franc.
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Frequently asked
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If you are self-employed and run a sole proprietorship, you currently cannot file your tax return via iqtax. In this case, we recommend our Expert Tax Return service. Our tax professionals will handle your return and provide individual guidance.
Zurich is the first integrated canton. Additional cantons be connected gradually throughout 2026. Nationwide coverage across Switzerland is planned within the next 1–2 tax periods.
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