The Cost of Buying a Property in France: Negotiating, Taxes, & Fees

Whether you have always dreamt of buying a house in France or are looking to invest in French real estate, the French property market is an attractive prospect for foreign buyers. But can you still snap up a bargain in France? How much can you really expect to pay and what hidden costs, fees, and taxes should you be aware of? Let’s break down the cost of buying a property in France.

French Property Prices: How to Know if the Price is Right

France has long been known for its low house prices and although this is still true in comparison to the UK property market, for example, it still depends very much on where and what you are looking to buy.

Average house prices vary dramatically depending on the region—from under €100,000 in more isolated rural areas to well over €400,000 along the Côte d’Azur—and, after two years of slowdown, the Notaires de France reported a modest recovery in 2025, with apartment prices ticking up slightly and house prices broadly stable.

There are a number of factors to consider when assessing the price of a property. The age and condition of a property, proximity to sights and amenities, land rights, and the local neighbourhood of a property can all influence the price. The property’s energy rating (DPE) is also now an important factor, with E, F and G rated properties typically discounted. Take a look at what similar properties have sold for in recent years using the official Notaires de France price maps, what current properties are on the market for, and ask the advice of your estate agent, notaire, or property advisor.

Ultimately, the most important thing is deciding on the right property and the right price for you.

Making an Offer: How to Negotiate the Best Price on your French Property

Many buyers successfully negotiate the price of their French property and it is always worth putting forward a well-considered offer. However, don’t expect to bag a huge reduction—most properties still sell for close to the asking price and making an offer considerably less than the asking price can sometimes cause offence in France, essentially putting an end to negotiations.

When it comes to making an offer, it’s a good idea to talk to your estate agent or notaire. Ask them how long the property has been on the market, why the owners are selling, and whether or not they think they would be open to negotiations. They will know the region, property, and sellers, and should be able to advise on a suitable figure.

Setting Your Budget: What’s the Real Cost of Buying a Property in France?

Deciding on your budget is the first thing you should do when embarking on your journey to buy a French property. This is where it pays to do your research. In France, it’s the buyer that pays all the fees when purchasing a property and these can be quite considerable (around 10% of the property price for an older home, more once your own legal and translation costs are added). So make sure you account for all of these in advance and deduct them from your initial budget when property searching.

Let’s take a look at the different fees and taxes involved in a French property purchase.

French Estate Agency Fees and Commission

If you purchase your French property through an estate agent, expect to pay agency fees/commission of around 3-8% TTC of the property price. Fees are freely set by the agent under the loi Hoguet but must be clearly displayed. Oftentimes these fees are included in the listed price, but it’s important to confirm that this is the case. Typically a listed price will be marked as FAI (Frais d’Agence Inclus) or HAI (Honoraires d’Agence Inclus) if the fees are included.

These fees obviously don’t apply if you are purchasing through a private seller.

Notaire’s Fees

All property purchases in France are conducted through a notaire and the buyer is also responsible for paying the notaire’s fees. This is a legal requirement and the fees apply to any property, whether bought privately or through an agency. Fees are typically between 7% and 8% of the property’s value for an older property, and 2-3% for a new build, but they can occasionally be more, so be sure to check. It’s worth knowing that the bulk of these “fees” are actually taxes (DMTO) collected on behalf of the State and the département—only around 10-15% is the notaire’s own regulated remuneration.

The loi de finances pour 2025 (Article 116) allowed départements to raise their share of the DMTO by 0.5 points, taking the maximum departmental rate from 4.5% to 5%. Most départements have applied this rise on sales signed between 1 April 2025 and 31 March 2028, which is why total notaire’s fees have inched up from the 6-8% range of a few years ago. The exact rate depends on the département, so ask your notaire to confirm.

Notaire’s fees are rarely included in the listed price, so it’s important to factor them in. Ask your estate agent for an estimation before making an offer on the property.

VAT or TVA on a French Property Purchase

VAT is not charged on the property itself, assuming that it is more than five years old. New-build properties, however, are subject to VAT, so be sure to add 20% to the list price. Most prices will show whether or not the VAT has been added—HT  or ‘hors taxes’ means that the taxes are not included, while TTC or ‘toutes taxes comprises’ means taxes are included. If in doubt, it’s always best to ask. Note that on a new build, DMTO is also replaced by a much lower 0.715% taxe de publicité foncière, which is why total acquisition costs on new property are far lower than on older homes.

20% VAT (TVA) will also be added to any fees and services involved in your property purchase, including estate agent’s and notaire’s fees. Typically this is will already have been added to the quoted price, but it’s always worth double checking.

Diagnostic and Buildings Surveys

Diagnostic surveys are legally required to be carried on a French property at the time of the sale. These are one of the few expenses that are covered by the seller. However, if you choose to hire a surveyor to carry out building or structural surveys, or elect to have a builder or architect look over the property, this will be at your own expense.

Additional Fees for Foreign Property Buyers

As a foreign buyer, you might find that you want to use your own legal representative or seek advice on property ownership and French inheritance law from a legal advisor or French law specialist. You may also require the use of a professional translator to translate legal documents and contracts (which will all be in French) into English. The FrenchEntrée directory has listings of English-speaking specialists in all of these areas.

If you used a property finder or property advisor to help with your property search and planning your French property viewing trip, many of these also charge a fee. Add to this the costs of travel and accommodation for multiple viewing trips to France and the extra costs quickly add up. It’s a good idea to make a list of all the associated costs before you start property hunting, especially if you are on a tight budget.

Property Taxes and Insurance When Buying a House in France

While there are no additional taxes on the purchase of your property, remember that as a new French homeowner you will now be liable to pay the local property tax, the taxe foncière, on the property. The taxe d’habitation has been abolished on main residences since 1 January 2023, but it is still due on secondary residences, and many communes in “zones tendues” can vote a surcharge of up to 60% on it, something to be aware of if you are buying a holiday home in a popular area. During the year of the property sale, it is the seller who is responsible for paying the taxe foncière. See our FAQ Who pays the taxes, the buyer or the seller for more on this.

As the new homeowner, you will now also need to take out home insurance on your property. Often the notaire will want to see proof of this before completion, especially if you have a mortgage on the property.

Currency Conversion: Get the Best Rate for your French Property Purchase

Possibly the biggest consideration for foreign buyers investing in French property is that of currency conversion. Currency exchange rates fluctuate and transfer fees can quickly add to the cost of buying a property in France, especially if you don’t plan ahead.

As a buyer, you will need to have a 10% deposit ready to pay to the notaire in order to sign the initial Compromis de Vente. You will also need to transfer the rest of the balance to the notaire before the signing of the final Acte de Vente, just a few months later. If mortgages are involved, either in France or in your country of origin, the need for a long-term currency conversion strategy is even more important.

Our advice is to get in touch with a specialist currency broker, like our partners at Moneycorp. Not only can they potentially save you hundreds of Euros when transferring funds to France, but they can also explain the different options available to protect against shifting exchange rates and minimise associated transfer fees. You should look to do this before setting out on your first property viewing trip to France.

Buying a Property in France?

From planning your property-hunting trip to collecting the keys—FrenchEntrée is here to guide you, advise you, and hold your hand through the entire process. Ready to get started on your property search? Browse our property for sale in locations all over France and create an account to receive property alerts and insider tips from our experts.  

Want to make your French property dream a reality? Start by reading our Beginner’s Guide to Buying French Property, then follow our step by step articles detailing every stage of the purchase process.