What you take home,
not the asking price.
Between the sale price and the amount that reaches your account come the property gains tax, the agency commission, the outstanding mortgage and the deed costs. This simulation puts a figure on each of them for Geneva, Vaud, Valais, Fribourg and Neuchâtel, using the 2026 scales.
How is the property gains tax calculated?
Each French-speaking canton taxes the property gain – the difference between your sale price and your purchase price plus value-adding expenditure – on its own scale, which decreases the longer you have owned the property. In Geneva, the rate falls to 10 % after 10 years of ownership and, since 1 January 2025, to 2 % after 25 years; in the canton of Vaud, the rate goes from 30 % (short holding) to 7 % after 24 years; Valais, Fribourg and Neuchâtel apply their own scales and reductions. A rushed sale of a property you have owned only briefly can cost tens of thousands of francs in avoidable tax: timing is part of the sales strategy.
What the asking price doesn't tell you.
Between the sale price and what you actually receive come the property gains tax, repayment of the outstanding mortgage (and any early repayment penalty), the brokerage fee and the notary's costs, depending on how they are shared. It is this net figure – not the transaction price – that should guide your decisions. Our calculator gives a first approximation; the precise analysis, taking your tax situation and financing into account, is part of OFFER's confidential valuation.