Real estate in the French countryside is very affordable due to the lower population density and a high supply of properties.

Whilst real estate in France's major cities and famous tourist hotspots is more expensive, it can still offer good value compared to many parts of the US (especially when the exchange rate is in US buyers' favour).

The French generally view their property as a place to live rather than as a primary investment, which helps keep prices reasonable and stable.

If you're looking for cheap French real estate, we have a page dedicated to affordable properties up to €250 000.

Beyond the purchase price, the additional fees to consider are:

• Notaires Fees: Typically 3% to 10% of the property’s value
• Registration Fees: Varying between 0.6% and 4.89%
• Land Registry Costs: Around 0.10% of the property value

These fees are standard when buying a French property, and should be factored into your budget.

It is possible for Americans to obtain a French mortgage. However, French lenders may require a larger down payment for non-residents, often between 20% and 30% of the property value.

We work with several mortgage brokers with specialist experience helping buyers from the US. If you want to be put in touch, please let us know.

The property buying process in France is different from the US, and unfamiliar to many of our clients. When you find a property, our team will make sure the next steps are fully explained, guiding you through the process.

A brief summary of the French buying process is:

• Initial Agreement: Once a price is agreed upon, a preliminary contract called a "compromis de vente" is signed. This contract includes a 10-day cooling-off period for buyers.
• Notary’s Role: A French notary (notaire) oversees the entire sale process, handling due diligence and ensuring that legal requirements are met.
• Final Sale: Once due diligence is completed, the final contract (acte de vente) is signed, officially transferring property ownership to you.

Properties in France are legally sold 'as seen'. As a property buyer it is your responsibility to arrange a thorough inspection before the sale.

To help with this part of the process, we have an in-house paralegal team who can arrange the necessary inspections for you.

When moving money between the US and France it is usually best to use a currency exchange specialist rather than your bank. They usually offer more competitive rates and lower transfer fees to save money on transactions.

This is particulary important when making a large transfer for purchasing a property internationally. Exchange rate fluctuations can affect your final purchase cost. Currency specialists have tools to help you mitigate the risk from exchange rate movements.

We have work with a currency specialist who is experienced helping US clients. Let us know if you'd like to be put in touch.

Yes, Americans can retire to France by obtaining a long-stay visa, which allows for a one-year stay with the option to renew. To remain long-term, American retirees need to show proof of sufficient income, have private health insurance (and may later apply for the French healthcare system), and obtain a residency permit.

After five years in France, you may qualify for a 10-year resident card. There is a tax treaty in place between the US and France to avoid double taxation.

France’s high quality of life, including excellent healthcare and rich culture, make it a popular place to retire.

Having a basic understanding of French will make your time in France easier. However, as long as you try, the French are usually very forgiving of mistakes. In tourist areas English is widely spoken.

When it comes to the legalities of buying in France it's important to make sure nothing is lost in translation. Our team is fully bilingual and will take the time to make ensure each step of the process is explained to you.