PTZ 2026: how much zero-interest loan you can get, town by town
The zone comes from the official list for your town; your income and household do the rest, under the rules for loan offers issued since April 2025.
Checked by Radif Partners · Editorial policy
The prêt à taux zéro, or PTZ, is a French state-backed loan with no interest and no arrangement fee that tops up the mortgage on your future main home, provided nobody in the household has owned a main home in the past 2 years. Nationality does not matter, residence does. The amount follows a fixed scale in four steps: the zone of the town (A bis, A, B1, B2 or C) sets the ceilings; household income divided by a family coefficient sets your bracket; the purchase cost, capped, is multiplied by the share for that bracket; and the bracket sets the deferral and term. A couple in Nantes, zone A, declaring €38,000 and buying a new €250,000 flat, has a capped cost of €225,000 and a 40% share: a PTZ of €90,000, repaid over 20 years with 8 years deferred. The calculator reads the zone from the ministry’s list in force since 26 June 2026, covering 34,875 municipalities.
Maximum PTZ · Nantes, zone A
€90,000
Bracket 2 · 40% share · 20 years incl. 8 deferred
| Income used (higher of tax income and cost ÷ 9 = €27,778) | €38,000 |
| Income ÷ household coefficient 1.5 | €25,333 |
| Income ceiling (2 occ., zone A) | €73,500 |
| Cost used (cap €225,000) | €225,000 |
| Repayment after the deferral, over 12 years | €625 / month |
| Other loans over 2 years, at least (PTZ ≤ 100%) | €90,000 |
| Maximum PTZ | €90,000 |
Common conditions: no ownership of a main home in the last 2 years, move in within a year. The lender remains free to grant the loan.
Your PTZ income bracket
Bracket
2
| Income ÷ household coefficient | €21,333 |
| Income ceiling | €47,250 |
| Share flat / new house | 40 % / 20 % |
| Deferral then repayment | 8 + 12 years |
What the bank needs from you
Every approved lender applies the same PTZ scale, so there is nothing to negotiate on the zero-interest part: competition happens on the main mortgage. Four facts determine the amount. The town where the home stands, because it carries the zone. The number of people who will live there as their main home, children included, a child in shared custody counting in both parents’ households. The household’s reference tax income from two years earlier, as printed on the French tax notice. And the total cost of the purchase including VAT and notary fees, only part of which is taken into account above a ceiling.
If you moved to France recently, the reference year may fall before your arrival. The rules do not exclude you: foreign income is taken into account, on documents, in place of the French notice. What they do require is the two-year no-ownership condition, assessed from your return to mainland France or an overseas département, and a home that will genuinely be your main residence.
| Occupants | Max. income A bis / A | B1 | B2 | C | Max. cost A bis / A | Max. cost C |
|---|---|---|---|---|---|---|
| 1 | €49,000 | €34,500 | €31,500 | €28,500 | €150,000 | €100,000 |
| 2 | €73,500 | €51,750 | €47,250 | €42,750 | €225,000 | €150,000 |
| 3 | €88,200 | €62,100 | €56,700 | €51,300 | €270,000 | €180,000 |
| 4 | €102,900 | €72,450 | €66,150 | €59,850 | €315,000 | €210,000 |
| 5 or more | €117,600 | €82,800 | €75,600 | €68,400 | €360,000 | €240,000 |
Why the town decides the amount
Neighbouring villages can sit in different zones, and the consequences are large. For an older home, the zone decides whether a PTZ exists at all: only B2 and C allow it. For a new home, it sets the capped cost, from €150,000 to €225,000 for a couple, and the income ceiling. It also sets the bracket limits, which surprises many buyers: a couple declaring €30,000 is in bracket 1 in zone A, with a 50% share and 10 years deferred, but in bracket 3 in zone C, with 40% and 2 years deferred, because the limits follow local prices.
The A/B/C map is revised by decree. This site uses the list published by the housing ministry for 26 June 2026: 134 municipalities in A bis, 870 in A, 2,383 in B1, 3,162 in B2 and 28,326 in C. Most bank calculators ask you to know your zone; this one looks it up as soon as you pick the town, and keeps it in the shareable link.
| Zone | Municipalities | Share | PTZ available for |
|---|---|---|---|
| A bis | 134 | 0.4 % | new only |
| A | 870 | 2.5 % | new only |
| B1 | 2,383 | 6.8 % | new only |
| B2 | 3,162 | 9.1 % | new and resale with works |
| C | 28,326 | 81.2 % | new and resale with works |
Bracket, share and repayment
Retained income is divided by a family coefficient: 1 for one person, 1.5 for two, 1.8 for three, 2.1 for four and 2.4 from five. The result, compared with the limits of your zone, gives your bracket. The bracket then fixes the share of the cost financed, the deferral during which you repay nothing, and the length of the repayment that follows.
| Bracket | Zone A bis / A | B1 | B2 | C | Share, flat or resale | Share, new house | Deferral + repayment |
|---|---|---|---|---|---|---|---|
| 1 | up to €25,000 | €21,500 | €18,000 | €15,000 | 50 % | 30 % | 10 + 15 years |
| 2 | up to €31,000 | €26,000 | €22,500 | €19,500 | 40 % | 20 % | 8 + 12 years |
| 3 | up to €37,000 | €30,000 | €27,000 | €24,000 | 40 % | 20 % | 2 + 13 years |
| 4 | up to €49,000 | €34,500 | €31,500 | €28,500 | 20 % | 10 % | 0 + 10 years |
For our Nantes couple in bracket 2, the monthly repayment in the second period is €625. A deferral is total: during those years the PTZ costs nothing at all, which is why it weighs so little on the affordability calculation the bank makes for the main loan.
Flat, house or renovation project
New houses returned to the PTZ everywhere in France on 1 April 2025, with a reduced share of 30%, 20%, 20%, 10% depending on the bracket. Flats in buildings with more than two stacked homes keep 50%, 40%, 40%, 20%. Houses bought through rent-to-buy (PSLA), a bail réel solidaire or a reduced-VAT social ownership scheme also keep the full share.
For an older home, the PTZ funds a renovation project: works must reach 25% of the total cost, start after the loan offer and finish within three years. A €120,000 house in zone C with €45,000 of works gives a works share of 27.3 %; a household of three declaring €36,000 receives €66,000. It is the PTZ route open to buyers of village and country houses, which mostly sit in zones B2 and C.
The income floor most calculators skip
Because the reference income is two years old, the rules use the higher of your reference income and the purchase cost divided by 9. A couple declaring €20,000 and buying for €270,000 in zone B1 is treated as earning €30,000, moving from bracket 1 to bracket 1. The calculator applies the floor and shows it on the first line of the breakdown.
Worked examples
| Place | Household and home | Income N-2 | Purchase cost | Bracket | PTZ |
|---|---|---|---|---|---|
| Paris (A bis) | 2 · new flat | €52,000 | €320,000 | 3 | €90,000 |
| Nantes (A) | 2 · new flat | €38,000 | €250,000 | 2 | €90,000 |
| B1 municipality (B1) | 3 · new house | €40,000 | €260,000 | 2 | €48,600 |
| B2 municipality (B2) | 4 · resale + works | €42,000 | €210,000 | 2 | €84,000 |
| C municipality (C) | 1 · new house | €20,000 | €160,000 | 3 | €20,000 |
What stays outside the calculation
A PTZ is a scale, not an entitlement to a loan: the lender assesses your overall ability to repay and may decline. This site does not simulate the main mortgage or your borrowing capacity, which belong to banks and brokers. It does cost the rest of the budget: the notary fees of the département, the total cost of the purchase and the property tax you will pay from the following year.