allier.immothe buyer’s ally in propertyby chasse.immo
Corse-du-Sud · notarial sales 2021 to 2025

Buying in Afa: the fair price, sought-after homes, rental yield

Afa has 3,350 inhabitants. A house sells there for a median €4,540/m², a flat for €4,146/m². Prices, land, energy certificates and planning rules, based on notarial sales and public data.

One point of contact for your whole search. We work with local agencies and with private sellers: we track every property for sale and ask agencies for those not yet online. No need to call every agency one by one. And if you wish, we contact the seller or the selling agency for you. We represent you: viewing, questions about the property, offer and negotiation, using nearby sales and the cost of works as arguments. Property sold by an agency: its fees are shared with us, you pay nothing extra. Property sold privately: our fee scale, only if you buy. Describe my project →

1 · Value

What is the property you're viewing worth?

Compared with nearby sales of the same type and similar size, with the effect of its energy rating and the real cost of works to improve it.

The property Example
Type
Indicative rangeGood reliability
€72,000–€122,000
Median value €77,000 · €767/m² · rating F: -18% compared with the neighbourhood

14 sales of houses of similar size signed since June 2024, within 400 m of a point in the middle of your street. Prices brought to 2025 levels with the departmental index of existing-home prices (Fonciris). Range between the first and third quartiles of prices per m², weighted by distance, size, number of rooms and date of sale.

This property and mortgage rates

Financed at 100% over 20 years, €77,000 cost €356 a month at the end-2021 rate (1.1%), against €441 today (3.4%), i.e. +24%. With the 2021 monthly payment, a buyer can now only finance €62,000.

After energy renovation
ValueWorks*Balance
To rating D or E (+15%)€88,000-€26,000-€15,000
To rating C or better (+28%)€98,000-€40,000-€19,000

Position des ventes comparables autour de l'adresseN

Your property Comparable sales · circles every 100 m

DateAddressAreaRoomsLandPrice€/m²EPCDistance
2 · Market

The property market in Afa

Prices since 2021, most sought-after properties, sale details, streets and the town’s planning rules, based on notarial sales and public data.

Key facts

In Afa, houses sold for a median €4,540/m² in 2024 and 2025, about €471,000 for a house, and flats for €4,146/m². House prices are stable compared with 2021-2022. Its price is around the average for Corse-du-Sud: 6th out of 11 towns analysed for house prices. Buyers there mostly buy 4-room houses (30%), houses with 3 rooms or fewer (21%) and 3-room flats (16%). About 21 houses and flats sell there each year. The town has about 1,560 homes, 73% of them houses; 9% date from before 1946 and 59% from after 1990. Prices across Corse-du-Sud →

House, median price (2 years)€4,540/m²

37 sales in 2024 and 2025

Flat, median price (2 years)€4,146/m²

17 sales in 2024 and 2025

Median house price€470,600

sales from 2021 to 2025

Change in house prices+1%

2024-2025 compared with 2021-2022

Sales per year21

6.4 per 1,000 inhabitants

EPCs rated F or G2%

of certificates issued since 2021

Market rent€15.6/m²

flat, service charges included (rent map 2025)

Prices since 2021

2021 : 19 ventes de maisons20212022 : 21 ventes de maisons20222023 : 14 ventes de maisons20232024 : 13 ventes de maisons20242025 : 19 ventes de maisons20252021 : 3 818 €/m²2022 : 4 703 €/m²2023 : 4 925 €/m²2024 : 3 950 €/m²2025 : 4 702 €/m²3 8184 925
Median house price per m² (years with at least 6 sales) Number of house sales

The most sought-after homes in Afa

Sales over the last two years show what buyers really buy in Afa: top of the list, 4-room houses (30%), houses with 3 rooms or fewer (21%) and 3-room flats (16%). For a buyer, these are the most contested properties; for an investor, the easiest to resell.

Property typeshare of salessizeprice€/m²land
4-room house30%95 m²€472,000€4,8661,740 m²
House, 3 rooms or fewer21%74 m²€276,000€4,059400 m²
2-bedroom flat (T3)16%71 m²€310,000€4,133–
5-room house12%151 m²€588,000€3,9501,760 m²
Flat, 3+ bedrooms (T4+)7%88 m²€375,000€4,773–
1-bedroom flat (T2)7%41 m²€197,000€4,686–

Examples of recent sales

43 sales of houses and flats where the number of rooms is known; median values. Notarial sales (DVF), street without house number.

Sales in detail

Houses by size

2021 à 2025
€/m²median pricesales
under 80 m²€4,059€276,04015
80 à 110 m²€4,720€450,00038
110 à 150 m²€5,231€600,00021
over 150 m²€3,725€635,12017

Houses of 80 to 140 m² by plot size

median price
Landpricesales
under 600 m²€294,2005
600 à 1,200 m²€563,9507
1,200 à 2,500 m²€485,86542
over 2,500 m²€521,1504

Large plots are often further from the centre: the gap reflects both size and location.

Building land

2021 à 2025

Too few building-plot sales for a reliable price (4 in five years).

Other land sold on its own (gardens, fields, meadows, woodland, business land or outside residential zones): 42 sales, €67,620 median, all sizes. Not to be confused with building land.

Building land: a plot classed as “building land” by the tax authorities, or located in a residential urban zone of the local plan. Notarial sales of land alone, 2021 to 2025.

Flats by size

2021 à 2025
€/m²sales
under 35 m²€3,6763
35 à 55 m²€5,0007
55 à 80 m²€4,13315
over 80 m²€3,1656

Planning rules

Neighbouring towns

3 · Housing

Housing in Afa

Age, materials, empty homes, social housing and ground: the town's housing stock, building by building, so you know what you will be viewing.

Homes1,555

of which 73% in detached houses

Age of houses1995

median year of construction

Clay soil, high risk0%

of residential buildings (clay shrink-swell)

When the homes were built

Before 19196%
1919 à 19453%
1946 à 19705%
1971 à 199028%
1991 à 200523%
Since 200636%

Share of homes by the building's year of construction.

What the house walls are made of

Stone or millstone12%
Brick10%
Concrete or breeze block74%
Wood1%

Main wall material declared to the tax authorities. Mixed houses (stone and brick, for example) count under the first traditional material listed.

What this means for a buyer

36% of homes date from 2006 or later: recent, better insulated supply that pushes prices up.

The town is in a high radon-potential zone: this is stated in the risk report given to the buyer, and good ventilation of ground-floor rooms is usually enough.

Source: national buildings database (BDNB) by CSTB, 2026-02.b release, Open Licence. It cross-references land registry files, ADEME energy certificates, the social housing register and Géorisques. Vacant homes: LOVAC (DGFiP, Cerema, Ministry of Ecological Transition), private housing as of 1 January 2025. Figures rounded.

4 · Mortgage

Mortgage rates weigh on prices and sales

When rates rise, each monthly payment buys fewer square metres. Buyers become scarcer, sales fall and prices stop rising. Here is what European Central Bank figures and sales in Afa show.

Latest figures · updated 17 October 2026
3-month Euribor2.628%as of 14 October 2026
12-month Euribor3.201%as of 14 October 2026+1.02 pt over one year
Average mortgage rate3.40%Sept. 2026, Crédit Logement+0.09 pt in one month
20-year rate3.66%October 2026, bank average (PAP)

The ECB raised its three key rates by 0.25 point on 10 September 2026. Banks are passing it on: the average mortgage rate reached 3.40% in September (+0.09 point in one month) and 20-year rate sheets exceed 3.60% in October. Next ECB meeting on 29 October 2026.

Borrowing capacity

Excluding insurance and deposit. Average mortgage rates in France: ECB up to August 2026, then the Crédit Logement/CSA Observatory for September 2026.

Lowest rate · Dec. 2021Average rate 1.1%€172,000i.e. 150 m² of house at €1,152/m²
Rate peak · Dec. 2023Average rate 3.6%€137,000i.e. 119 m² of house at €1,152/m²-21% capacity
Today · Sept. 2026Average rate 3.4% (Crédit Logement)€139,000i.e. 121 m² of house at €1,152/m²-19% capacity
Interest ratesin %, monthly average
Home loans, France (ECB)3-month Euribor12-month EuriborLatest Crédit Logement average rate
hausse des taux−1 %0 %1 %2 %3 %4 %5 %3,40 %3,20 %2,63 %2014201620182020202220242026
Median price per m²
HousesFlats
Number of salesper year, town of Afa
HousesFlats

Sources: European Central Bank (3- and 12-month Euribor, monthly averages up to September 2026; household borrowing cost for home purchase in France, new loans); DVF, sales of houses and flats in the town, yearly median when at least 6 sales are available.

5 · Financing

Other ways to finance: broker or deferred-payment sale

When banks lend at more than 3%, two levers help a buyer finance a property: making banks compete through a broker, or doing without a bank through a deferred-payment sale, where the seller provides the credit.

With a bank

Use a broker

A broker compares offers from many banks and negotiates the rate, borrower insurance and arrangement fees. I work with a Pretto broker (Finspot, ORIAS no. 17,000,916): fees of €1,890 + 0.3% of the amount borrowed for a standard application, paid only if the loan is signed.

Transparency: I may be paid by Pretto for the introduction.

Get in touch
Without a bank

Deferred-payment sale: the seller gives the buyer credit

A lump sum on signing, then monthly payments over 10 to 20 years, with no bank interest. The price and end date are fixed from the start. An alternative to a mortgage for the buyer, and to viager for the seller.

  • Vacant, occupied by the seller or with a retained life interest
  • What happens in case of death or missed payments
  • Buyer and seller simulators, downloadable PDF guide
6 · Add value

What really raises prices in Afa

The same techniques don't pay off everywhere. Each card shows what local sales reveal.

7 · Quick check

Which techniques suit your property?

Tick what describes your property. The list updates with the options worth studying. This is a first screening, not a study: the local plan, the co-ownership rules and the building's condition then decide.

My property…
8 · Guides

Find out more

The general rules that apply everywhere, gathered on reference pages.

9 · Works

What does an energy renovation cost, and what does it bring?

Since 2023, an energy audit has been compulsory to sell a house rated F or G, and since 2025 one rated E. These audits cost the works step by step. We used those from the area to give real costs, not national averages.

Works for a houseMedian cost per m²For 100 m²Audits
F-G → E€261€26,100710
F-G → D€286€28,600704
F-G → C€404€40,400685
E → D€243€24,300402
E → C€262€26,200401
Flat F-G → D€251€16,315 (65 m²)27

What audits say for a house rated F or G in Afa

Recommended works

To reach rating D

Roof or loft insulation56%
Wall insulation50%
New heating system43%
New windows and doors42%
New ventilation35%
Ground-floor insulation27%

Share of audits that include each item in the steps leading to rating D. An audit usually combines several.

Energy bill

From €3,375 to €1,349 a year

Before works€3,375
Once at rating D€1,349

Median saving: €1,900 a year, for energy use cut by 61%. With median works of €25,600, the saving pays back the works in about 13 years, before grants.

Standard bill calculated by the auditor (EPC method, standard use), median of 925 audits. The real bill depends on occupancy and energy prices.

Starting point

Walls almost never insulated

Walls98%
Ground floor69%
Windows57%
Unused loft51%

Share of F or G houses whose insulation the auditor judges inadequate.

Main heating: gas 53%, oil 21%, electricity 18%, wood 7%.

10 · Invest

A turnkey, high-yield rental home

Buy a flat to renovate, bring it up to standard, let it and hand over the management. The calculator starts from real sale prices and the town's market rents; adjust each line.

Result
Total cost of the project
€49,300
Annual rent
€6,360
Gross yield
12.9%
Yield after costs
10.8%
Share of works (Denormandie: 25% minimum)
23%

Advertised rent including service charges, before void periods and tax. These are benchmarks: each property is costed on quotes.

How I help

From purchase to management

I help you choose the property based on real local sales, get the works costed, then find and move in the tenant. The tenancy is then managed by my partner Ma Gestion Locative.

  • 1Choosing the property, at the fair price
  • 2Costing the works
  • 3Photos, 3D tour, letting
  • 4Management with Ma Gestion Locative
11 · Planning

The rules that apply in Afa

Before any works, division or change of use, three documents decide: the local plan (PLU), the heritage area and the risk-prevention plan.

12 · Grants

Local grants for works

They come on top of national grants (MaPrimeRénov', energy-saving certificates) and cannot always be combined. Never start works before approval.

Source: ANIL, local grants for works, sheets updated in 2026, and local authority websites. Indicative amounts: limited budgets, rules renewed every year. For free advice: France Rénov' and the ADIL of Corse-du-Sud.

13 · Denormandie

Buy, renovate and let in Afa with a tax reduction

The Denormandie scheme is for individuals who buy an older home to renovate, or premises to convert into housing, in an eligible town, then let it unfurnished for 6, 9 or 12 years. Afa is not currently one of the eligible towns: the scheme is reserved for Action Cœur de Ville towns and towns that have signed a territorial revitalisation agreement (ORT). The rules below apply to a neighbouring eligible town. The scheme is open until 31 December 2027.

The property

What is eligible

  • An older home undergoing improvement works.
  • A building converted into a home: garage, office, shop, barn. This is technique T5 on this site.
  • Some homes in struggling co-ownership buildings, since April 2024.
  • Purchase between 28 March 2019 and 31 December 2027, by an individual or through an SCI not subject to corporation tax.
The works

At least 25% of the total cost

  • Works must account for at least a quarter of the total cost: purchase price, notary fees and works.
  • They must either cut energy use by at least 30% (20% in an apartment building), or cover at least two items among roof, walls, heating, hot water and windows. An energy assessment before and after provides proof.
  • They are carried out and invoiced by contractors.
  • They must be completed by 31 December of the second year after purchase. For a purchase in 2026, by the end of 2028 at the latest.
The letting

Unfurnished letting, capped rent

  • Unfurnished letting, as the tenant's main residence, within 12 months of completing the works.
  • The tenant must not be part of your tax household. A parent or child may rent if they have their own tax household.
  • The rent and the tenant's income are capped according to the zone. Afa is in zone B1: its ceilings are higher than those of zones B2 and C shown below.
Letting periodTotal reductionPer year
6 years12%2%
9 years18%2%
12 years21%2% then 1%

Calculated on the total cost of the project, up to €300,000 a year and €5,500 per m² of living space. A 6-year commitment can be extended twice by 3 years, a 9-year commitment once by 3 years.

Tenant income, zones B2 and CCap 2026
Single person€32,530
Couple€43,439
+ 1 dependant€52,239
+ 2 dependants€63,066
+ 3 dependants€74,189
+ 4 dependants€83,611

Reference taxable income for the year before last. 2026 rent cap in zones B2 and C: €10.26 per m² per month excluding service charges, multiplied by a size coefficient (0.7 + 19 ÷ area, at most 1.2).

Simulator Example
25% works condition met
Total cost of the project
€106,000
Share of works
28.3%
Basis used
€106,000
Total tax reduction
€19,080
I.e. per year
€2,120 for 9 years
Maximum rent (zones B2 and C, 2026)
€628 / month excl. charges

Indicative estimate. The reduction cannot exceed the tax due and counts towards the overall cap on tax breaks (€10,000 a year). Have your project checked by a notary or a tax adviser.

For an owner selling

A selling point

If your property needs renovating, it is a target for Denormandie investors. Highlighting eligibility, a quote for works and the possible capped rent helps a buyer decide without you having to do the works yourself.

For an empty commercial unit

Convert and let

A ground-floor shop or a garage converted into a home is eligible. Depending on the town, this can be combined with a local grant for bringing empty homes back into use: see the Grants section, subject to each grant's rules.

Watch this space

An extension under discussion

On 8 October 2026, the National Assembly finance committee adopted amendments to the 2027 finance bill extending Denormandie until 31 December 2030. It has not been voted yet: 31 December 2027 remains the date in law.

Sources: Service-Public.fr (sheet F35011, updated 11 March 2026), BOFiP 2026 ceilings, ABC zoning in force since 26 June 2026 (data.gouv.fr), law no. 2024-322 of 9 April 2024, Immo Matin of 12 October 2026.

14 · Buy

Buy here, even from far away

Living far away, investing, or moving back to the area? We search for you, an adviser from the network sees each shortlisted property in person, and you receive their price analysis. You only travel for the properties worth the trip.

  1. 1Your projectFree consultation, exclusive search mandate
  2. 2Properties viewed for youViewing and checks by an adviser on the spot
  3. 3The price to offerNearby sales, EPC, works, yield
  4. 4Through to the keysNegotiation, preliminary contract, notary
Property search

An exclusive Chasse.immo search mandate, paid only if you buy

Before viewing, check the price of the listing you like: is this property fairly priced?

How it works

  • Free consultation: area, budget, must-haves, financing.
  • Your brief sent to local agencies, private listings tracked, and agencies asked for properties not yet online.
  • An adviser near the property views it for you: photos, video, points to check.
  • For each shortlisted property, a price analysis based on nearby notarial sales, the EPC and the cost of works.

You stay free

  • You decide on viewings and offers.
  • Your project can be published without your contact details, so that sellers can offer you their property.
  • No fee if you don't buy.
  • 3-month exclusive mandate: during that time you buy through us, which is what lets us get agencies working for you. After that, it can be ended at any time with 15 days' notice. You have 14 days after signing to withdraw at no cost.

Fee scale

Property sold by an agency: its own fees apply, shared with us; you pay nothing extra. Property sold privately: fees incl. VAT paid by the buyer, calculated on the net price to the seller, excluding notary fees, payable on completion.

Purchase priceFees incl. VAT
Purchase price under €100,000€6,900 incl. VAT
Under €200,000€7,900 incl. VAT
From 200,000 to €300,0006% incl. VAT
From 300,001 to €1,000,0005% incl. VAT
From 1,000,001 to €2,000,0004% incl. VAT
Above €2,000,0003% incl. VAT
€0if you don't buy
Invest

Finding a tenant

After buying a rental property: listing with photos and 3D tour, advertising, viewings, checking applications and choosing the tenant with you.

For a Denormandie investment, the rent and the tenant's income are checked against the zone's caps.

Invest

Management with Ma Gestion Locative

For day-to-day management, we work in partnership with Ma Gestion Locative (MGL): once the tenant is found and moved in, MGL takes over managing the tenancy.

Selling?

Buyers may be looking for your property

We publish the projects of the buyers we support. Offer your property: we check its price against nearby sales and present it to the buyer concerned, at no cost to you.

We also work with property dealers looking for projects: offer your property as it is, without any particular detail, and we pass it on to the right people.

See the projects and offer my property →

Your purchase project

Interested in a property?

Before making an offer, you need to know what the property is worth here: actual recorded sales nearby, the effect of its energy rating (EPC), the cost of works, the planning rules for the plot. I go through this analysis with you, and an adviser from the network can visit it for you.

  • Asking price compared with nearby sales and the EPC
  • Cost of works based on local energy audits
  • Review of the local plan (PLU), easements and the plot's potential
  • Remote property search: viewing and checks by an adviser on the spot
  • After buying a rental property: finding a tenant, then management with Ma Gestion Locative
Frédéric Riot
Property search with Chasse.immo (solution.immo group), agence.immo network · Property data analyst · anywhere in France
Phone06 01 71 39 91
Emailcontact@allier.immo
Address5 Ter rue Notre Dame, 03100 Montluçon, France
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