The property tax, the level of which is not indexed to the price per m², is increasing. According to the broker Meilleurtaux, it would be equivalent to an additional monthly loan payment per year on average … enough to dissuade more than one. Return to the most punctuated cities.
Property tax: beware of the additional cost in the event of a loan in certain cities! | Photo credits: Istock
Stone is the ultimate safe haven in times of crisis. But the new owners are far from being pampered. A recent study by the broker Meilleurtaux shows that the property tax, of which the owners are the only liable, would represent on average the equivalent of one monthly credit payment more per year. It would even absorb the historic low rates. And counter-intuitively, it is not in Paris that it is the highest!
To put it simply, the richer the city, the less taxpayers pay. The property tax in the capital amounts to just 62 euros per month on average (for a housing of 70 m²), ” positive for all those who wish to invest in it [tout comme à Lille, Strasbourg et Lyon] », Comments Maël Bernier, communications director of Meilleurtaux. Montpellier (128 euros per month), Nîmes and Angers (125 euros per month each), on the other hand, seize the top of the ranking.
” If you take for example a city like Nîmes or Saint Etienne, if we want to finance an area of 70m2, the purchaser can borrow over 20 years, excluding insurance at 1.10% and pay a monthly payment of 675 € and 499 respectively. €. But when we add the weight of the property tax on the mortgage, this completely changes the situation: it is as if the Nîmois or the Stéphanois were in fact borrowing at 2.90% ! », She adds.
Be careful, however, the observation should be put into perspective: the price per m² is on average more than three times more expensive in Paris than in Montpellier: 10,614 euros, against 3,330 euros, according to the expert.
On average, the property tax has increased since 2018
The average property tax in France, which costs 101 euros per month, has been increasing since 2018 (+9 euros). ” Local taxation is currently on an upward curve, and this is unlikely to improve in the next few years. Reform of cadastral rental values [le revenu cadastral est à la base du calcul de la taxe foncière] (applicable in 2026), which provides for the revision of the calculation of local taxes may significantly increase property taxes and reserve unpleasant surprises for owners », Continues Maël Bernier.
Consequently, the owners pass this increase on to the rents. According to Seloger.com, which ranks the cities offering the best yields (T2 and not 70 m²), the gross rental profitability (excluding property maintenance costs and taxation) is 4.3% in Montpellier, 5.5% in Nîmes, 4.6% in Angers… Against 3.9% in Strasbourg and 2.9% in Paris. The example of Le Havre is also telling: the property tax is on average 124 euros per month for a gross rental profitability of 5.5%.
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