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🇫🇷 French Property Cost Calculator

The real cost of buying in France: transfer tax, notary, registry, agent and mortgage costs, with the 2026 rates and the reliefs that actually change the number.

All 2 département rate ratesNew build vs resaleMortgage costsCash-needed total

🇫🇷 France

Showing France rates.

🇫🇷 French Property Cost Calculator

Every buying cost, using 2026 rates

Property details

€

Most départements raised the departmental share from 4.50% to 5.00% from 2025. Total DMTO about 6.32%.

€

New builds pay reduced duties, roughly 2% to 3%, because VAT is already inside the price.

French listings are often shown FAI, fees included. Untick if the commission is charged on top.

Not customary in France, but worth it on an older property.

Cost breakdown

Total buying costs8.0% of price
€23,870

Budget roughly 7% to 9% of the price on an older property, and 2% to 4% on a new build.

Taxes and duties
Droits de mutation, DMTO (about 6.32%)€18,960

Most départements raised the departmental share from 4.50% to 5.00% from 2025. Total DMTO about 6.32%.

Subtotal€18,960
Unavoidable costs
Notary's regulated fee (émoluments + VAT)€3,410
Disbursements and formalities (débours)€1,200
Contribution de sécurité immobilière (0.10%)€300
Subtotal€4,910

Cash you need on the day

Price €300,000 + costs €23,870 = €323,870

Estimates, not quotes

Tax rates are 2026 figures for France; professional fees are typical market ranges and vary by property and provider. Reliefs for first-time buyers, families and younger buyers exist in most of these systems and are not applied here. Always get written quotes and check the current rate with the authority before you commit.

Your estimate: €23,870 in buying costs in France. A property lawyer typically saves buyers thousands by catching overpriced fees, unfair clauses and avoidable taxes before you sign. Free quote →

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What this is based on

2026 rates · Service-public.fr, frais d'acquisition · impots.gouv.fr, droits de mutation

Rules and rates change. This tool gives you an informed starting point and the legal references to check, it is not legal or tax advice, and it does not replace a professional where money or deadlines are at stake.

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