Property purchase cost calculator

Transfer Tax Calculator

Calculate DMTO (Droits de Mutation) and closing costs for property in France.

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Financing method

Transfer tax composed of departmental tax (5.0% in most departments since April 2025, +0.5 pp vs 4.5%), communal tax (1.2%), and state levy (~0.1%). Published composite for many "ancien" purchases is about 6.3185%; departements may still differ. First-time buyer / primo-accédant reductions on taxe départementale are not modelled. New-build properties pay 20% TVA instead (with reduced notary fees of ~2-3% total). No progressive brackets — the same flat rate applies regardless of property value. No foreign buyer surcharges.

DMTO (Droits de Mutation) is a flat rate of 6.32% of the purchase price.

Beyond DMTO (Droits de Mutation), buyers typically pay the following fees when purchasing property in France. These are included in the calculator above.

Notary Emoluments (Emoluments du Notaire)

Regulated sliding scale: 3.87% up to EUR 6,500, 1.60% up to EUR 17,000, 1.06% up to EUR 60,000, 0.80% above EUR 60,000. Plus 20% TVA on the fee. The notary is mandatory in France — they handle the entire conveyancing process.

Land Registry (Contribution de Securite Immobiliere)

Fee for registering the property transfer with the Service de Publicite Fonciere. Fixed at 0.10% of the purchase price.

Notary Disbursements (Debours)

Administrative costs paid by the notary on your behalf: cadastral searches, certificates, postage, and other formalities. Typically EUR 800-1,500.

Mortgage Registration Tax (Taxe de Publicite Fonciere)

Tax on registering security for the mortgage (typically a hypotheque charge) — about 0.715% of the loan amount at the SPF. The cheaper garantie du fonds de garantie hypothecaire/cautionnement (PPD-style) alternative is widely used instead; this line assumes conventional hypotheque registration.

Only applies when financing with a mortgage.

Notary Fees on Mortgage Deed

Separate notary fees for the mortgage deed (acte de pret). Approximately 1-1.5% of the loan amount.

Only applies when financing with a mortgage.

Property Valuation (Expertise)

Independent property valuation required by the bank for mortgage approval. Typically EUR 250-500.

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