Social housing
| The deepest-subsidy product | For the most modest households. A heavily subsidised loan at around 1 %, a central grant of 15,450 to 20,500 € per dwelling, VAT at 5.5 %. Rents capped. |
|---|---|
| The mainstream product | Standard social housing. A subsidised loan, VAT at 5.5 %. Rents capped. |
| The intermediate product | Less advantageous rates, VAT at 10 %, rents capped at 130 % of the mainstream ceilings. |
| The middle-income product | For middle-income households in tight markets. A preferential rate. |
Assisted home ownership
| The zero-interest loan | An interest-free loan for first-time buyers subject to income conditions. Since offers issued from 1 April 2025, new build is eligible across the whole country; existing stock remains limited to the looser market areas with 25 % of works. |
|---|---|
| Shared-equity tenure | The buyer acquires the building and leases the land from a land trust. The cost falls by 30 to 40 % against the open market. |
| Rent-to-buy | Access to ownership through a rental phase with an option to purchase, for modest households. |
Energy retrofit
The national retrofit grant
The state's principal support for funding the energy renovation of dwellings. Open to owner-occupiers and landlords. The amount is calculated from household income and the type of work.
| Eligible works | Thermal insulation, replacing heating systems with heat pumps, biomass or solar, ventilation, windows. |
|---|---|
| Amount | From a few hundred euros to 70 % of the cost of the works for the most modest households. |
| Condition | A certified installer is mandatory. |
Energy saving certificates and the retrofit loan
Energy saving certificates are paid by energy suppliers to individuals and professionals carrying out energy-saving works. They can be combined with the national grant. The zero-interest retrofit loan is capped at 50,000 € for a complete package of works, over 20 years.
Public facilities
| State equipment grants to rural municipalities | For local investment. A subsidy rate of 20 to 50 % according to national priorities, awarded on application to the prefecture. |
|---|---|
| The complementary investment grant | For structuring projects, directed towards the environmental transition and resilience. |
| European regional development funds | Co-financing up to 50 % for eligible projects. Long procedures, substantial sums. |
Priority areas
| Urban renewal funding | Grants for the demolition and reconstruction of social housing and the requalification of priority neighbourhoods. Up to 80 % of the demolition cost. |
|---|---|
| The housing agency | Support for renovating degraded or energy-inefficient private housing, and help for struggling apartment blocks. |
| Town centre revitalisation | A programme for medium-sized town centres, with grants for refurbishing vacant housing. |
How to identify and secure support
- Consult the national energy and infrastructure agencies and the regional energy bodies from the feasibility stage.
- Approach the planning and housing departments of the local authorities: they know the local schemes.
- Use an adviser specialised in structuring public funding for complex operations.
- Watch the regional calls for projects: many schemes open in waves with closing dates not to be missed.
Related articles: Financing a property project · Financing a construction project
Cost estimates, pricing schedules, development appraisals, summary notes. Produce in minutes the deliverables you prepare manually today. First project free. → quostra.com
The schemes presented are those in force in France in 2026. Conditions and amounts change regularly. Always check the conditions in force at the moment of your application.
Reference basis of the figures
These bands are orders of magnitude for framing, and their reference market is the Paris region. They serve to place a budget at the earliest stages and to compare building types with one another. They replace neither a tender exercise nor an estimate prepared on drawings, and they are not a record of prices actually charged.
The ratios per square metre and per item on this page are stated in January 2026 values. They were updated from January 2024 values, the basis adopted for the whole cocoon, using the BT01 all-trades index published monthly by INSEE on its 2010 base: 130.8 in January 2024, 134.7 in January 2026, a rise of about 3 %.
The global amounts quoted as examples, and any rents, charges or receipts expressed per year or per night, remain on their own basis: a building cost index does not apply to them.
To bring the ratios forward, apply the usual revision formula: updated value = page value × (BT01 for the month in question / 134.7). The index has kept rising since: it stood at 138,3 in June 2026, the last value published when this page was checked, that is 2,7 % above the reference base. BT01 measures contractors' input costs, wages and social charges, materials, plant and energy, not the prices actually tendered.
Sources: the BT construction cost indices published monthly by INSEE on its 2010 base, used to update the figures · construction cost statistics from SDES, the statistical service of the ministry responsible for construction · regulatory texts published in the Journal officiel and consolidated on Légifrance for the requirements cited.