Switzerland's Oldest Canton
Ticino tops both of Switzerland's age rankings: 24.0% of the population is over 65, 8.0% over 80 — no other canton comes close. Within the canton, the district of Blenio is nearing one person in ten over 80. Ticino is already living the demography that Switzerland as a whole will only reach around 2040 — and previews the demand that follows: more care at home than anywhere else, and the question of who provides it, on what terms. A deep dive with district-level data.
Executive Summary
Ticino is Switzerland's oldest canton — and not by a whisker. At the end of 2024, 86,074 Ticinesi are over 65 (24.0%) and 28,637 over 80 (8.0%): first place in both cantonal rankings (BFS STATPOP, observed data). The Swiss average for the 80+ stands at 5.8% — according to the BFS reference scenario, the country as a whole will only reach Ticino's current share around 2040. Whoever wants to see tomorrow's Switzerland should look at today's Ticino.
Within the canton, ageing has a precise geography. In the districts of Blenio (28.2% over 65, 9.9% over 80), Locarno (28.1%) and Leventina (27.8%), old age is already the demographic norm; Bellinzona is the youngest district (21.0%). And Ticino's care system has already chosen its answer: the home. Ticino provides home care with unmatched intensity — 82 hours per client against the Swiss average of 60, 23.5 hours per resident over 65 against 14.5 — while keeping fewer nursing-home beds (169 per 1,000 people over 80, against 193). Home-care clients have more than doubled since 2011 (+134%).
This choice has a protagonist who is often invisible: the people who care in the home. Today — official estimate — between 12,000 and 24,000 migrant live-in carers work in Switzerland, mostly employed directly by families, often in the grey zone, with wages that in testimonies gathered for the federal government drop to 2,000–2,500 francs a month. The legal route exists and is more accessible than people think: a live-in carer legally employed in Ticino costs from around CHF 4,100 a month in total cash outlay — social contributions, LPP and administration included — against 6,000–7,500 for private agencies and a typical nursing-home resident fee (retta) of 4,500–5,600 francs. This study is non-partisan, scientifically grounded, and transparent in its methodology and sources.
The record: first for 65+, first for 80+
In Switzerland's age rankings there is a clear winner. Ticino leads Graubünden (23.6%) and Basel-Landschaft (23.3%) in the share of over-65s — and with 8.0% of people over 80 it pulls even further ahead of second place (Basel-Landschaft, 7.4%). This is not a one-year fluke: it is the demographic structure of a canton where the large cohorts have already entered the age of care, while young adults leave for the economic centres north of the Alps.
| # | Share 80+ | |
|---|---|---|
| 1 | Ticino24.0 % are 65+ | 8.0 % |
| 2 | Basel-Country23.3 % are 65+ | 7.4 % |
| 3 | Schaffhausen22.5 % are 65+ | 6.7 % |
| 4 | Basel-City19.8 % are 65+ | 6.7 % |
| 5 | Grisons23.6 % are 65+ | 6.6 % |
| 6 | Bern22.4 % are 65+ | 6.6 % |
| 7 | Jura22.8 % are 65+ | 6.5 % |
| 8 | Nidwalden23.2 % are 65+ | 6.3 % |
| 9 | Uri22.6 % are 65+ | 6.3 % |
| 10 | Neuchâtel20.1 % are 65+ | 6.3 % |
| 11 | Appenzell Inner Rhodes21.5 % are 65+ | 6.1 % |
| 12 | Glarus21.9 % are 65+ | 6.0 % |
| 13 | Solothurn21.4 % are 65+ | 6.0 % |
| 14 | Appenzell Outer Rhodes21.7 % are 65+ | 5.9 % |
| 15 | Valais20.9 % are 65+ | 5.8 % |
| 16 | Obwalden21.5 % are 65+ | 5.6 % |
| 17 | St. Gallen19.5 % are 65+ | 5.6 % |
| 18 | Geneva16.6 % are 65+ | 5.5 % |
| 19 | Lucerne19.0 % are 65+ | 5.4 % |
| 20 | Zug18.5 % are 65+ | 5.4 % |
| 21 | Zurich17.5 % are 65+ | 5.4 % |
| 22 | Schwyz19.8 % are 65+ | 5.2 % |
| 23 | Thurgau19.7 % are 65+ | 5.2 % |
| 24 | Aargau19.2 % are 65+ | 5.2 % |
| 25 | Vaud17.0 % are 65+ | 5.2 % |
| 26 | Fribourg17.1 % are 65+ | 4.5 % |
Share of the population aged 80+ in the permanent resident population, end-2024 (BFS STATPOP, observed). Subline: share 65+. Ticino tops both rankings — 80+ (8.0%) and 65+ (24.0%).
On the map, Ticino is Switzerland's darkest corner. And the comparison with the national average shows how far ahead it is: today Switzerland counts 5.8% of people over 80; according to the BFS reference scenario it will only reach Ticino's current share (8.0%) around 2040. In other words: Ticino lives the demography of the whole country some fifteen years in advance — practical consequences included.
Share of the population aged 65+, end-2024 (BFS STATPOP, observed). Darker = older. Ticino is Switzerland's oldest canton at 24.0%, ahead of Grisons (23.6%) and Basel-Country (23.3%).
And the wave does not stop: by 2050, Ticino's over-80s grow by a further +85%, from 28,637 to around 53,000 (BFS reference scenario). That is slower growth than in today's young cantons — Thurgau, Obwalden, Fribourg, as shown in our Care-Pressure Index — precisely because Ticino is already far ahead. But in absolute terms it means almost doubling, within 25 years, the population most in need of care.
Inside the canton: where ageing has already arrived
The cantonal average hides deep differences between the eight districts. At the top sits the Blenio valley: 28.2% over 65 and 9.9% over 80 — almost one person in ten. Right behind it, however, is not another remote valley but the district of Locarno: 64,334 inhabitants, 28.1% over 65 and 9.2% over 80 — Ticino's ageing is not just an alpine phenomenon, it also lives by the lake. Leventina follows (27.8%).
| # | Share 65+ | |
|---|---|---|
| 1 | Blenio5’613 inhabitants | 28.2 % |
| 2 | Locarno64’334 inhabitants | 28.1 % |
| 3 | Leventina8’751 inhabitants | 27.8 % |
| 4 | Vallemaggia5’991 inhabitants | 25.6 % |
| 5 | Mendrisio50’450 inhabitants | 25.2 % |
| 6 | Lugano154’938 inhabitants | 22.7 % |
| 7 | Riviera10’470 inhabitants | 22.2 % |
| 8 | Bellinzona58’356 inhabitants | 21.0 % |
Share of the population aged 65+ per Ticino district, end-2024 (BFS STATPOP). Subline: population. Blenio, Locarno and Leventina lead — in the Blenio valley almost one in ten is over 80. Bellinzona is the youngest district (21.0%).
At the other extreme, Bellinzona is the youngest district (21.0% over 65, 6.8% over 80) — younger even than quite a few Swiss cantons — and Lugano (22.7%), with its 154,938 inhabitants, keeps the cantonal average down. The result is a two-speed canton: districts where the demand for care is already what Switzerland will know by mid-century, and urban centres rejuvenated by jobs and immigration. For those who organise care — municipalities, home-care services, families — the difference is not statistical: it is the number of carers that will be needed, household by household.
Ticino cares at home — more than anyone else
To the question “institution or home?” Ticino has already given its answer. In 2024, home help and care reached 24,729 clients — 83% of them over 65 — with more than 2 million hours of nursing and care services: since 2011, clients have grown by +134%, more than the national average (+107%). And the intensity is off the scale: 82 hours per client against the Swiss average of 60; 23.5 hours per resident over 65, against 14.5.
| Indicator | Ticino | Switzerland |
|---|---|---|
| Home-care hours per client (2024) | 82 h | 60 h |
| Home-care hours per resident 65+ (2024) | 23.5 h | 14.5 h |
| Nursing-home beds per 1,000 residents 80+ (2024) | 169 | 193 |
| Growth of home-care clients 2011–2024 | +134 % | +107 % |
Sources: USTAT «14 Salute» (March 2026, data year 2024; home-care data: Spitex/BFS, beds: SOMED/BFS). Ticino cares far more intensively at home than the Swiss average — while holding fewer nursing-home beds per 1,000 over-80s.
The mirror of this choice is the nursing homes: Ticino keeps 169 beds per 1,000 people over 80 against the Swiss average of 193 — and fills them to 94% (4,847 beds, average resident age 86.2). The cantonal plan for 2021–2030 foresees 1,180 new beds, but the arithmetic of the wave is clear: if the 80+ grow by 85% and the beds by a fraction, the difference is cared for at home. All this while Spitex is already at a national record — 25.6 million hours in 2024, +10.2%, the strongest increase since 2011 — and the market is changing shape: in 2021, Ticino became the first canton where private for-profit Spitex providers overtook the non-profit organisations in hours delivered.
The bill: legal live-in carer, agency or nursing home
If care moves into the home, the next question is: what does it cost to do it properly? The 2026 maximum fee of Ticino's nursing homes ranges, according to the official DSS list, from CHF 126.90 to 238.00 per day — in the typical band, 4,500–5,600 francs a month paid by the resident (the board-and-lodging resident fee (retta), graded by income; the care-cost contribution, at most 23 francs a day, comes on top). Private 24-hour care agencies sit higher: 6,000–7,500 francs a month according to industry price lists.
And then there is the third route, the one least talked about: directly employing a live-in carer, legally. Calculated with Clino's payroll engine under Ticino conditions — cash wage plus board and lodging (in-kind salary of CHF 990 a month, the official AHV rate), ordinary procedure, LPP and withholding tax included — the family's total cash outlay starts at around CHF 4,100 a month for a wage of 3,500 francs, and reaches about 6,400 for a wage of 5,500.
| Cash wage/month | AHV-liable wage | Net wage | Employer cost/month |
|---|---|---|---|
| CHF 3’500 | CHF 4’490 | CHF 2’708 | CHF 4’073 |
| CHF 4’500 | CHF 5’490 | CHF 3’494 | CHF 5’233 |
| CHF 5’500 | CHF 6’490 | CHF 4’281 | CHF 6’393 |
Monthly employer cash cost for a live-in carer in Ticino, computed with the Clino payroll engine (July 2026): cash wage + CHF 990 in-kind wage for room & board (AHV-liable, official rate, leaflet 2.06), ordinary procedure (annual wage above CHF 22,680), permit B, age 45, incl. AHV/IV/EO, ALV, occupational accident, FAK TI, BVG and a source-tax estimate. Room & board comes on top, in kind. One carer cannot legally cover 24h care alone (working-time rules) — indicative figures, not a quote.
The alternatives
- •Private 24h agency: CHF 6,000–7,500/month (industry price lists)
- •Nursing home: typical resident fee (retta) CHF 4,500–5,600/month + care-cost contribution, by income
- •Grey zone: testified wages of CHF 2,000–2,500/month, without AHV or accident cover
- •In the grey zone the risk is double: back-payment of contributions for the family, no protection for the carer
Legally employed live-in carer (from ~CHF 4,100/month)
- •Written contract, AHV/IV/EO from the first franc, accident insurance, LPP
- •Board and lodging as in-kind salary (CHF 990/month, official rate)
- •The carer receives a net wage, a payslip and a salary certificate — and builds up her own pension
- •One person alone cannot legally cover 24 hours: breaks, rest periods and replacements are needed
The grey zone: who cares for the homes of the oldest canton
The most recent official estimates — produced for SECO and taken up by the Federal Council's report of December 2025 — speak of 12,000–24,000 migrant live-in carers working in Swiss homes today, largely Eastern European women on commuting rotations of 2–4 weeks. Only a minority is employed through agencies: around two thirds work directly for the families, where inspections practically never reach. With ageing, the estimated need rises to 18,000–36,000 people by 2040.
The conditions, in the testimonies gathered for the federal government, are often far below any minimum: wages of 2,000–2,500 francs a month for near-continuous presence, unpaid night availability, “many Polish women who work for 1,800 francs a month, are not registered and can hardly leave the house”, as a Spitex worker quoted in the University of Zurich study for SECO reports. And the legal framework remains fragile: in December 2025 the Federal Council decided not to extend the Employment Act to private households — for those employed directly by a family, only the Code of Obligations, the federal standard employment contract (minimum wage CHF 20.35 per hour from 2026) and the cantonal standard employment contracts apply.
This is exactly where Clino comes in: the platform turns direct employment — the most widespread and least protected form — into regular employment in a few minutes: written contract, AHV registration from the first franc, accident insurance, LPP where due, monthly payslip and salary certificate. In Switzerland's oldest canton, the difference between the grey zone and regular employment is not the need: it is how simple it is to do things properly.
Ticino shows Switzerland its own future: more elderly people, fewer beds, care shifting into the home. Whether those who provide it have a contract, AHV and insurance — or remain invisible — is the real social-policy choice of the next 25 years.
Surprising findings
Ticino lives Swiss demography 15 years in advance
The 8.0% of over-80s that Ticino has today is the share Switzerland as a whole will only reach around 2040 (interpolation of the BFS reference scenario). Every question the demographic wave will put to the country — beds, carers, care funding — is already on the table in Ticino now. The oldest canton is, in effect, the laboratory of ageing Switzerland.
Ticino's ageing does not live only in the valleys — and Bellinzona is younger than half of Switzerland
At the top of the district ranking sits the Blenio valley (9.9% over 80), but right behind comes the district of Locarno — 64,000 inhabitants on the lake, not a remote valley — with 28.1% over 65. At the other extreme, Bellinzona, at 21.0%, is younger than cantons such as Bern, Schaffhausen or Uri. Inside the oldest canton, the demography of 2050 coexists with districts below the national average.
A legal live-in carer can cost less than a nursing home's resident fee
The idea that “doing it legally is unaffordable” does not survive the numbers: under Ticino conditions, the total cash outlay for a legally employed live-in carer starts at around CHF 4,100 a month — below the typical resident-fee band (4,500–5,600) and well below the 24h agencies (6,000–7,500). The comparison has clear limits — one person alone cannot cover 24 hours, board and lodging is added in kind — but the conclusion holds: legality is not the luxury many families believe it to be.
Sources
- BFS — STATPOP, permanent resident population by age and district (2024) — Cube px-x-0102010000_101; canton of Ticino and 8 districts, end of 2024, observed
- BFS — Population scenarios 2025–2055 (2025) — Reference scenario AR-00-2025: 80+ Ticino +85% by 2050
- USTAT — “14 Health”, thematic overview (2026) — Data year 2024: home care (Spitex/BFS) and nursing homes (SOMED/BFS) in Ticino
- DSS Ticino — Retta massima 2026, Ufficio degli anziani e delle cure a domicilio (2026) — Official nursing-home resident fees, CHF 126.90–238.00/day
- BFS — Spitex statistics, release of 11.11.2025 (2024) — 25.6 million hours of care (+10.2%), ~424,000 clients; for-profit overtakes non-profit in Ticino (2021)
- SECO / Federal Council — report on postulate Marti 22.3273 (2025) — Live-in carer estimates (B,S,S. 2024, UZH 2024): 12,000–24,000 today, 18,000–36,000 in 2040
- Clino — payroll engine (2026) — Employer costs for a live-in carer in Ticino, ordinary procedure
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