Calculator
French property buying cost calculator
The advertised price is never the whole bill. See what a purchase really costs at completion, and how much cash you need on the table.
How this is calculated
For an existing property, we apply 7.5 percent of the price for notaire and acquisition fees, the realistic middle of the usual 7 to 8 percent range. For a new-build we apply 2.5 percent, since VEFA purchases are taxed differently. The fees are paid in cash on top of your deposit, because French lenders do not normally include them in the loan.
The cash-at-completion figure is your deposit (the price minus any mortgage) plus the fees. If the net value after the mortgage stays above 1.3 million euros, the purchase is likely to sit within the scope of the IFI wealth tax, which our IFI calculator estimates.
These are planning estimates, not a quote. The notaire confirms the exact figure for your purchase.
Frequently asked questions
How much are the fees when buying in France?
For an existing property, allow roughly 7 to 8 percent of the price in notaire and acquisition fees. A new-build is far lower, around 2 to 3 percent.
Are the fees included in a French mortgage?
Usually not. Plan to pay the notaire and acquisition fees in cash on top of your deposit.
Is this calculator exact?
No, it is a realistic estimate for planning. The exact figure depends on the property, the commune and your situation, and the notaire will confirm it.
The owned audience
The Riviera Briefing
One short, useful email a month on the Riviera market for international buyers. What is moving, what it costs, and what to avoid.
No spam, we never share your address, unsubscribe any time.