Notary fees on a €150,000 purchase in France (2026): the first-home budget
A typical first-purchase price, where first-time buyer status changes the bill.
Checked by Radif Partners · Editorial policy
€150,000 is often a first purchase: a two-room flat in a mid-sized town or a small house on the outskirts. On a resale property in a 5% département, French notary fees reach €12,450. A first-time buyer purchasing a main home stays at the 4.50% rate, so the fees fall to €11,682, a saving of €768 with no income condition. On a new-build sale the reduced tax brings the fees down to €4,045. The practical question is the deposit: most banks expect the fees to come out of the buyer’s savings, and the zero-interest loan (PTZ), available under conditions, does not finance them. In Indre, the same purchase would cost only €10,607 in fees. As everywhere in France, the buyer pays these costs on the day the final deed is signed.
Estimated notary fees · Paris
€12,450
8.30 % of the price · Overall transfer tax rate 6.319 %
| Transfer tax · 5.00 %, rate raised to 5% (2025-2028 increase) | €9,478 |
| Notary emoluments (incl. VAT) | €1,915 |
| Formalities (incl. VAT) | €408 |
| Land registry contribution (CSI) · 0.10 % | €150 |
| Disbursements | €500 |
| Total | €12,450 |
First-time buyer: €768 less transfer tax.
Two years without owning your home is enough
The first-time buyer rule only looks at your main home over the past two years: if you rented, lived with your parents or in employer housing, you count as a first-time buyer for transfer tax. Owning a studio let to a tenant or a holiday home makes no difference. The property you buy must become your main home, and you must tell the notary so the statement appears in the deed.
The €768 gap on €150,000 is a month or two of savings for many households. It disappears in the eleven départements still at 4.50%, where everyone already pays that rate.
Putting the deposit together
On a €150,000 purchase, a cautious bank will ask for a deposit covering at least the fees: €11,682 for a first-time buyer on a resale, €4,045 on a new build, plus the loan guarantee and arrangement costs. The PTZ reduces the capital borrowed at market rate, freeing repayment capacity, but it does not pay the notary fees themselves.
Fees on €150,000 by département and situation
| Département | Resale | First-time buyer | New build | Share of price (resale) |
|---|---|---|---|---|
| Paris (5%) | €12,450 | €11,682 | €4,045 | 8.30 % |
| Alpes-Maritimes (4.50%) | €11,682 | €11,682 | €4,045 | 7.79 % |
| Indre (3.80%) | €10,607 | €10,607 | €4,045 | 7.07 % |
| Réunion (5%, overseas scale) | €12,851 | €12,083 | €4,446 | 8.57 % |
Other prices: €100,000 purchase · €200,000 purchase · €250,000 purchase · €300,000 purchase · €400,000 purchase · €500,000 purchase · €1,000,000 purchase.