Buying costs in France
The costs added on top of the purchase price of a home in France, in tables: each component with its rate and its source.
Amounts in euros (EUR).
Sources checked 4 November 2026. Rates are 2026 rates unless a row says otherwise; do not carry a 2026 rate into 2027 without re-checking.
Scope: existing home bought from a private seller. No per-department rate table is published: only the DMTO totals by departmental band are shown.
Existing (old) home
| Component | Rate | Source |
|---|---|---|
| DMTO — departmental share (taxe de publicité foncière départementale) | 3.80% / 4.50% / 5.00% depending on the department; departments may raise beyond 4.50% up to 5% for acts passed / conventions concluded 1 Apr 2025–31 Mar 2028 | DGFiP BOFiP under art. 116 of loi n° 2025-127 du 14 février 2025 |
| DMTO — global total, old housing | ~5.09% (3.80% dept) / ~5.81% (4.50% dept) / ~6.32% (5.00% dept) — departmental + 1.20% communal tax + State levy | DGFiP per-department table applicable 1 Jun 2026, as reported by multiple 2026 sources |
| Contribution de sécurité immobilière | 0.10% of price (minimum €15) | Notary tariff pages and guides |
| Notary regulated emoluments (émoluments proportionnels), sale — bands on price | 3.870% to €6,500; 1.596% €6,500–17,000; 1.064% €17,000–60,000; 0.799% above €60,000; + 20% VAT on the emoluments | Code de commerce notarial tariff (table V, annexe 4-7); tariff period 1 Mar 2026–29 Feb 2028 (arrêté du 25 février 2026) |
| Débours (disbursements paid by the notary to third parties) | Variable by file — no fixed % | Notary tariff sources |
| Sale agency fees (if any) | NO standard % — check the mandate: seller or buyer pays, depending on the mandate | Guides |
The DMTO increase does NOT apply to primo-accédants buying a main residence.
Worked illustration on the bands (not a quote): €200,000 → €1,995.25 HT (251.55 + 167.58 + 457.52 + 1,118.60).
No per-department table is published on this page.
New housing from a professional / within 5 years of completion, subject to VAT
| Component | Rate | Source |
|---|---|---|
| Publicité foncière tax, new housing | ~0.715% (reduced rate instead of the full DMTO) | Guides |
| Notary emoluments | Same band rates as above | Code de commerce notarial tariff |
| Total, new housing | ~2–3% of price (estimate) | Guides |
Typical all-in cost
Old housing: ~7–8% of price (estimate, planning range).
New housing: ~2–3% of price (estimate, planning range).
These ranges are estimates, not statutory totals.
Figures are typical, vary by case, and can change. Confirm the exact amount for your purchase with a notary (and bank/authority where relevant) before signing. This page is research information only, not legal, tax or banking advice.