Reliable valuations in Baar and the canton of Zug: banks such as Zuger Kantonalbank, the valuation firms IAZI and Wüest Partner, federally certified valuers, HEV Zugerland, the cantonal valuation commission in inheritance divisions, and Rudat AG, an estate agent that values free of charge with the IAZI/CIFI models Swiss banks use. Online valuations cost CHF 0–450, expert reports CHF 1,600–3,600 excl. VAT (15 October 2026).
Who writes this comparison?
This comparison is written by Rudat AG, itself an estate agent with its office in Baar and therefore one of the providers listed. We say so first, so that you know it while you read.
Fixed rules therefore apply: cost, duration and method are stated as the providers publish them themselves, with source and date of retrieval; legal details come from the official enactments. Where a provider publishes nothing, the table says not published. We do not rate anyone and we draw up no ranking. Documented corrections are adopted: write to info@rudatestates.ch.
Who values property in the canton of Zug?
Banks, valuation firms, independent valuers, the homeowners’ association, the cantonal valuation commission (Schätzungskommission), online calculators and estate agents: the table shows what each route costs according to the providers’ own information, how long it takes and how the valuation is made. Grouped by route, without ranking. As at 15 October 2026. The providers’ statements are paraphrased from their German-language websites; the original wording is quoted in the German version of this comparison (in German).
| Provider · Route | Method · Cost · Duration |
|---|---|
| Zuger Kantonalbank Bank | Its own property experts value according to the Swiss Valuation Standards, with valuation tools from Wüest Partner AG and an on-site inspection Cost: not published Duration: not published |
| Raiffeisen Bank | Rough online estimate in 2 minutes: CHF 0. Online valuation by IAZI for members: CHF 350 including a CHF 100 discount. Sale price recommendation with a personal appointment: CHF 0 if you intend to sell, otherwise CHF 890 Duration: sale price recommendation after 7 days, valid for 4 to 6 months |
| UBS Bank | Valuation by the client adviser, free of charge as part of a financing enquiry Duration: not published |
| IAZI (CIFI) Valuation firm, Zurich | Hedonic online valuation, calibrated according to its own statement on the largest transaction dataset in Switzerland; expert valuation with inspection on request Cost: online CHF 450 for a house or apartment, CHF 750 for an apartment building or investment property, incl. VAT; expert valuation not published Duration: online result immediately, according to Raiffeisen |
| Wüest Partner Valuation firm, Zurich | Hedonic online single valuation as well as a personal market value estimate or second opinion for private individuals; database of over 20,000 open-market sales per use and year Cost: not published Duration: not published |
| HEV Zugerland Homeowners’ association | Market value appraisal by external valuers with the Swiss federal diploma (eidg. Fachausweis), according to the Swiss Valuation Standards, with inspection Cost: CHF 1,600 to 3,500 for an apartment or detached house, excl. VAT; members 10% discount Duration: not published |
| Independent valuers Market value expert report | Expert report with inspection and examination of the documents; directories with a cantonal filter are kept by SVIT Bewerter (the SVIT chamber of valuation experts) and the Swiss Real Estate Valuers Association (SIV) Cost: by quotation; one Zug office, Jürg Viert GmbH in Cham, states around CHF 2,800 to 3,600 excl. VAT for a 4½-room apartment Duration: not published |
| Cantonal valuation commission of the canton of Zug Official valuation, Steinhausen | In inheritance divisions (Art. 618 of the Swiss Civil Code, ZGB), on behalf of courts or debt enforcement offices and on joint application by the parties; since 1 April 2018 in principle according to the capitalised earnings value method Cost: by time spent, basic rate CHF 160 per hour per commission member plus expenses, borne by the private parties Duration: not published |
| Homegate and ImmoScout24 Online calculators of SMG | Price range from the IAZI model; according to the disclaimer, the form does not take condition and fittings into account Cost: free; extended valuation by IAZI via Homegate CHF 390 Duration: a few minutes, by e-mail. According to the privacy policy, the details may be passed on to estate agents |
| comparis Online calculator | Value from market prices, location and the characteristics entered; model provider not published Cost: free Duration: three minutes. According to comparis, the details go to the Comparis agent service and its contracted firms |
| Rudat AG Estate agent, Neuhofstrasse 5A, Baar | IAZI/CIFI models that Swiss banks use: hedonic for owner-occupied homes, capitalised earnings value for investment property; checked personally on site Cost: free and without obligation, also without a sales mandate Duration: call back within one working day, result usually within three working days |
Further estate agents with an office in the canton of Zug are in our lists for Zug, Baar, Cham, Steinhausen and Rotkreuz.
Which valuation suits which purpose?
Not every valuation serves every purpose. What matters is who has to accept the value later: a buyer and their bank, co-heirs, a court or the tax administration.
| Purpose | Suitable route |
|---|---|
| Preparing a sale | A valuation with inspection according to a bank model, by an estate agent, a bank or a valuer. An online calculator shows only the order of magnitude. |
| Financing a purchase | The bank values the property itself. The lending value is the lower of market value and purchase price (mortgage lending guidelines of the Swiss Bankers Association, section 4.3.1). |
| Inheritance division | If the heirs cannot agree on the attributable value, officially appointed experts value the property (Art. 618 ZGB), in the canton of Zug the cantonal valuation commission. If all heirs agree, an expert report is sufficient. |
| Divorce | A complete appraisal report; HEV Zugerland names it as a prerequisite in disputes under matrimonial property law. |
| Contesting the tax value | An independent valuation according to recognised principles can be taken into account in the assessment or objection procedure (cantonal government of Zug, 2017). |
| Second opinion | Valuation firms such as IAZI and Wüest Partner review an existing valuation. |
Is the tax value the market value of your property?
No. The canton of Zug does not appraise properties on site for wealth tax: unlike many other cantons, it has no systematic on-site valuation of properties, the cantonal government (Regierungsrat) wrote on 11 April 2017. For an owner-occupied house bought in 2025, the guidance notes to the tax return count the purchase price plus value-adding investments as the market value for tax purposes; the wealth tax value is 75% of that. Let properties are valued by the tax administration on the capitalised gross income, at 7% for 2025.
According to the cantonal government, the last general reassessment of tax and rental values took place in 2001 and 2002. If you have owned your property for a long time, you should therefore not read the tax value as a sale price. For the tax on a sale, the actual proceeds count: Property gains tax in the canton of Zug.
How do you recognise a reliable valuation?
- The method is named: hedonic for apartments and houses, capitalised earnings value for investment property, expert report according to the Swiss Valuation Standards.
- It rests on prices actually paid, not on listings: IAZI and Wüest Partner calibrate their models on completed sales.
- Someone has seen the property: comparis itself writes that an online estimate is not enough for a comprehensive valuation of a property and that an on-site valuation is needed.
- The result states a range: even with good estimation quality, the uncertainty of a model valuation is around 10% according to Raiffeisen, and more for unusual properties.
- The qualification can be checked: the title property valuer with Swiss federal diploma (Immobilienbewerter/in mit eidg. Fachausweis) is protected (Art. 36 of the Federal Act on Vocational and Professional Education and Training, BBG).
- Interests are disclosed: whoever values and would also like to sell says so. Whoever uses a free calculator reads the privacy policy.
- The value holds up with the bank: your buyer’s bank lends at most against the market value, and its valuation may not include expectations of future increases in value (mortgage lending guidelines, sections 4.1 and 4.3).
How does Rudat AG value?
Rudat AG is an estate agent with its office at Neuhofstrasse 5A in Baar and therefore appears in the table itself. We value with the IAZI/CIFI models that Swiss banks use: hedonic for apartments and houses, capitalised earnings value for apartment buildings and commercial property. We check the model result on site and correct what a model does not see: condition, fit-out, view and entries in the land register.
The valuation is free and without obligation, even if you then do not sell or sell with another agent. Conrad Rudat calls you back within one working day; the result is usually available within three working days. If you need an expert report for a court or a disputed inheritance division, we tell you openly when an external appraisal is necessary. Procedure and documents: Property valuation; the methods in detail: How is the value of my property calculated?
What this means for your sale
For a sale, the value that counts is the one your buyer’s bank supports: it finances only the lower of market value and purchase price (mortgage lending guidelines of the Swiss Bankers Association, section 4.3.1). If the purchase price is higher, the buyer must pay the whole difference from their own funds.
A sensible order: an online calculator for the order of magnitude, if you accept that your details are passed on; then a valuation with inspection according to a bank model; an expert report only when an inheritance division, a divorce or a court requires it. A valuation with inspection is available from us free of charge and without obligation; the form is at the end of this page.
This comparison does not replace legal or tax advice. The information and contracts of the respective providers are decisive.
Sources
Show sources (29)
- Zuger Kantonalbank, property valuation: Swiss Valuation Standards, valuation tools from Wüest Partner AG, on-site inspection (in German), retrieved 15 October 2026
- Raiffeisen, differences between valuation methods: rough estimate, online valuation by IAZI, sale price recommendation, prices and duration (in German), retrieved 15 October 2026
- Raiffeisen, member benefit IAZI: CHF 100 discount, uncertainty of the estimate around ten per cent (in German), retrieved 15 October 2026
- UBS, hedonic valuation: valuation free of charge as part of a financing enquiry (in German), retrieved 15 October 2026
- IAZI AG – CIFI SA, online valuation: prices incl. VAT (in German), retrieved 15 October 2026
- IAZI AG – CIFI SA, hedonic valuation application: transaction dataset and validation (in German), retrieved 15 October 2026
- IAZI AG – CIFI SA, transaction valuation by experts (in German), retrieved 15 October 2026
- Wüest Partner, solutions for family offices and private individuals: market value estimate and second opinion (in German), retrieved 15 October 2026
- Wüest Partner, hedonic valuation: data basis and online single valuation (in German), retrieved 15 October 2026
- HEV Zugerland, property valuation: Swiss Valuation Standards, external valuers with Swiss federal diploma (in German), retrieved 15 October 2026
- HEV Zugerland, fee tariff for valuations 2026 (PDF, in German), retrieved 15 October 2026
- Jürg Viert GmbH, Cham: engagement and fee for an appraisal report (in German), retrieved 15 October 2026
- SVIT Bewerter – SVIT chamber of valuation experts, member directory with regional filter (in German), retrieved 15 October 2026
- Swiss Real Estate Valuers Association SIV, valuer search (in German), retrieved 15 October 2026
- Federal Act on Vocational and Professional Education and Training (BBG, SR 412.10), Art. 36: protection of titles (in German), retrieved 15 October 2026
- Canton of Zug, cantonal valuation commission: valuation of non-agricultural properties, capitalised earnings value method since 1 April 2018 (in German), retrieved 15 October 2026
- Ordinance on official valuation of the canton of Zug (BGS 215.14), §§ 1, 3 and 4 (in German), retrieved 15 October 2026
- Ordinance on fees and compensation for property valuations (BGS 215.142), § 1 (in German), retrieved 15 October 2026
- Swiss Civil Code (ZGB, SR 210), Art. 618: valuation in inheritance divisions (in German), retrieved 15 October 2026
- Tax Act of the canton of Zug (BGS 632.1), § 42 para. 1: valuation of land and buildings (in German), retrieved 15 October 2026
- Zug cantonal tax administration, guidance notes to the 2025 tax return: wealth tax value 75% of the market value for tax purposes, let properties 7% (in German), retrieved 15 October 2026
- Cantonal government of Zug, answer to the minor interpellation on the imputed rental value, bill no. 2730.1 of 11 April 2017 (in German), retrieved 15 October 2026
- Swiss Bankers Association, guidelines for the examination, valuation and processing of mortgage-backed loans (December 2023), sections 4.1, 4.3 and 4.3.1 (in German), retrieved 15 October 2026
- Swiss Bankers Association, guidelines on minimum requirements for mortgage financing (December 2023), section 2.1 (in German), retrieved 15 October 2026
- Homegate, property valuation and price calculator (homegate.ch): free, IAZI model, disclaimer; extended valuation CHF 390 (in German), retrieved 15 October 2026
- ImmoScout24, terms of use for the property valuation (immoscout24.ch): in cooperation with IAZI AG (in German), retrieved 15 October 2026
- SMG Swiss Marketplace Group, privacy policy, section 4 property valuation and analysis services: disclosure to estate agents (in German), retrieved 15 October 2026
- comparis, property valuation (comparis.ch): free, three minutes, disclosure to the Comparis agent service (in German), retrieved 15 October 2026
- Rudat AG, property valuation: free and without obligation, call back within one working day, result usually within three working days (in German), retrieved 15 October 2026
This guide does not replace tax or legal advice. The assessment of your municipality is decisive.

