allier.immothe buyer’s ally in propertyby chasse.immo
Technique T3 of 8 · add value to a property

Energy renovation: move up EPC ratings

Moderate

Since 1 January 2025, a G-rated home can no longer be let. F-rated homes will follow in 2028 and E-rated ones in 2034. A poor EPC therefore rules out all investor buyers. Renovating it reopens that market.

For which property

For homes rated E, F or G, and for those whose EPC predates 2026.

Permission

Prior declaration if the exterior changes: external insulation, windows, visible heat pump.

Professionals

Auditor or energy assessor, RGE-certified tradespeople, France Rénov’ adviser.

Administrative time

Grant application filed before the works; prior declaration: 1 months of processing.

Where it pays: actual sales

Montluçon

Profitable with grants or letting
value gainworksrecovered
House 100 m², F-G → D-E+€13,200-€28,60046%
House 100 m², F-G → C+€25,100-€40,40062%
Flat 75 m², F-G → D+€3,400-€16,00021%

Value gain calculated on the town’s median price over two years (€1,094/m² for houses, €700/m² for flats) and the price gaps measured by rating. Works: median of the area’s audits, before grants.

Before grants, only part of the cost comes back on resale. Grants, or letting (a G-rated home can no longer be let, an F-rated one from 2028), make the difference.

Source: DVF and ADEME EPCs since July 2021; ADEME energy audits, Montluçon area.

Vichy

Pays for itself in flats
value gainworksrecovered
House 100 m², F-G → D-E+€25,100-€32,60077%
House 100 m², F-G → C+€36,600-€47,00078%
Flat 55 m², F-G → D+€15,000-€8,900169%

Value gain calculated on the town’s median price over two years (€1,905/m² for houses, €1,810/m² for flats) and the price gaps measured by rating. Works: median of the area’s audits, before grants.

For flats, renovating an F or G home to D brings in more than it costs (169% of the cost recovered), on a small number of audits (63).

Near the parks and the spa, a G-rated flat sells for a median €1,461/m², against €2,324/m² for a C. The area in detail →

Source: DVF and ADEME EPCs since July 2021; ADEME energy audits, Vichy area.

Moulins

Profitable with grants or letting
value gainworksrecovered
House 100 m², F-G → D-E+€9,400-€32,20029%
House 100 m², F-G → C+€29,200-€47,10062%
Flat 74 m², F-G → D+€10,600-€16,70064%

Value gain calculated on the town’s median price over two years (€1,476/m² for houses, €1,239/m² for flats) and the price gaps measured by rating. Works: median of the area’s audits, before grants.

Before grants, only part of the cost comes back on resale. Grants, or letting (a G-rated home can no longer be let, an F-rated one from 2028), make the difference.

Source: DVF and ADEME EPCs since July 2021; ADEME energy audits, Moulins area.

The gaps by rating compare homes sold in the same area, of similar size. A G rating often goes with a property in poor overall condition: the gap measures “energy sieve to renovate versus finished home”, not the label alone. Costs are the auditors’ estimates before MaPrimeRénov’ and energy saving certificates.

Towns where energy renovation pays the most

TownDépartementHouse F-GHouse D-EgapF-G shareF-G houses identified
Broût-VernetAllier€571€1,393+144%29%39
MonchecourtNord€760€1,470+93%15%55
MozacPuy-de-Dôme€1,252€2,371+89%10%15
Montaigut-en-CombraillePuy-de-Dôme€453€838+85%24%14
ChantelleAllier€589€1,056+79%24%19
Saint-VauryCreuse€588€1,010+72%24%31
LignièresCher€493€832+69%25%22
BonnatCreuse€812€1,366+68%28%51
Lesparre-MédocGironde€1,185€1,963+66%6%56
BaixasPyrénées-Orientales€1,194€1,962+64%3%13
NesleSomme€798€1,286+61%22%84
Saint-Gervais-d'AuvergnePuy-de-Dôme€469€754+61%54%35
Saint-Philbert-de-Grand-LieuLoire-Atlantique€1,735€2,790+61%6%65
BauvinNord€1,344€2,160+61%8%67
Le Grand-LempsIsère€1,651€2,639+60%14%51
See the top 100 towns
TownDépartementHouse F-GHouse D-EgapF-G shareF-G houses identified
AhunCreuse€857€1,363+59%27%55
LuzyNièvre€688€1,085+58%22%33
ChérengNord€2,196€3,464+58%8%29
FelletinCreuse€750€1,171+56%24%87
L'Isle-d'EspagnacCharente€1,112€1,724+55%6%69
Saint-Genès-ChampanellePuy-de-Dôme€1,712€2,654+55%26%72
Saint-Yrieix-la-PercheHaute-Vienne€867€1,339+55%15%–
ArdentesIndre€909€1,388+53%9%45
SalbrisLoir-et-Cher€788€1,202+53%22%116
La MadeleineNord€2,239€3,410+52%7%107
ScaërFinistère€1,057€1,591+51%23%198
Baugé-en-AnjouMaine-et-Loire€1,000€1,503+50%14%268
CombrondePuy-de-Dôme€1,098€1,647+50%18%12
Aÿ-ChampagneMarne€1,363€2,045+50%9%–
Saint-JamesManche€1,012€1,512+49%11%104
MarchiennesNord€1,281€1,912+49%10%–
Saint-Germain-du-PuyCher€1,026€1,529+49%4%30
BeuvryPas-de-Calais€1,164€1,729+49%8%125
FeigniesNord€840€1,248+48%12%128
GrimaudVar€8,282€12,273+48%3%–
Erdre-en-AnjouMaine-et-Loire€1,254€1,854+48%9%52
Saint-Martin-la-PalluVienne€1,111€1,642+48%8%44
EstairesNord€1,302€1,919+47%12%78
PhalempinNord€1,789€2,634+47%8%37
Néris-les-BainsAllier€848€1,246+47%32%38
VimyPas-de-Calais€1,389€2,038+47%19%131
Cosne-d'AllierAllier€717€1,049+46%24%41
MauléonDeux-Sèvres€1,008€1,466+45%10%99
BeynesYvelines€2,579€3,732+45%10%58
HornaingNord€1,215€1,758+45%11%81
Sainte-FeyreCreuse€985€1,423+45%29%30
RandanPuy-de-Dôme€870€1,254+44%26%18
Courcelles-lès-LensPas-de-Calais€1,235€1,776+44%7%103
Saint-SaulveNord€1,264€1,818+44%6%101
DongesLoire-Atlantique€1,460€2,099+44%13%151
BeaurepaireIsère€1,526€2,192+44%11%85
Digne-les-BainsAlpes-de-Haute-Provence€1,750€2,514+44%13%–
ChâteaumeillantCher€577€829+44%29%41
Saint-Amand-les-EauxNord€1,242€1,782+43%10%225
RaimbeaucourtNord€1,484€2,114+42%17%103
Vallon-en-SullyAllier€694€989+42%26%34
Bruay-sur-l'EscautNord€1,011€1,439+42%10%251
Parigné-l'ÉvêqueSarthe€1,289€1,829+42%11%47
Dun-sur-AuronCher€655€927+42%19%32
DivionPas-de-Calais€984€1,391+41%7%130
La Bâtie-MontgasconIsère€1,622€2,290+41%22%47
Sainte-PazanneLoire-Atlantique€2,030€2,865+41%6%53
VolvicPuy-de-Dôme€1,394€1,968+41%22%18
PecquencourtNord€1,070€1,506+41%5%–
Beuvry-la-ForêtNord€1,622€2,278+40%17%47
TemplemarsNord€1,988€2,789+40%11%56
LiancourtOise€1,627€2,282+40%8%–
Quesnoy-sur-DeûleNord€2,094€2,937+40%8%69
BrangesSaône-et-Loire€1,100€1,541+40%20%–
ValdallièreCalvados€854€1,195+40%21%133
MontmaraultAllier€632€883+40%24%21
SallanchesHaute-Savoie€3,137€4,381+40%11%103
Saint-Georges-des-GroseillersOrne€1,078€1,505+40%14%70
Ballon-Saint MarsSarthe€983€1,368+39%15%42
VillerestLoire€1,261€1,752+39%7%25
GaillacTarn€1,384€1,923+39%4%103
BonsecoursSeine-Maritime€1,951€2,712+39%7%46
Vendin-le-VieilPas-de-Calais€1,275€1,767+39%15%218
Saint-VallierSaône-et-Loire€939€1,298+38%20%218
Sury-le-ComtalLoire€1,513€2,091+38%11%77
Creuzier-le-VieuxAllier€1,323€1,828+38%11%30
MiribelAin€2,525€3,488+38%8%56
SantesNord€1,810€2,499+38%10%64
Châtillon-sur-SeineCôte-d'Or€975€1,347+38%11%94
Crèvecœur-le-GrandOise€1,250€1,723+38%13%67
ThouarsDeux-Sèvres€893€1,230+38%12%356
Louhans-ChâteaurenaudSaône-et-Loire€1,229€1,691+38%18%143
AnnœullinNord€1,636€2,250+38%10%84
CruseillesHaute-Savoie€3,600€4,945+37%9%58
GuînesPas-de-Calais€1,096€1,506+37%12%60
TulleCorrèze€819€1,124+37%13%228
Domfront en PoiraieOrne€1,011€1,386+37%18%151
Sainte-SigolèneHaute-Loire€1,488€2,035+37%17%98
EsvresIndre-et-Loire€1,794€2,449+37%12%85
Flines-lez-RachesNord€1,449€1,978+37%13%89
ValletLoire-Atlantique€1,885€2,572+36%7%99
Le Loroux-BottereauLoire-Atlantique€2,022€2,757+36%6%85
NiceAlpes-Maritimes€4,410€5,998+36%6%400
Cinq-Mars-la-PileIndre-et-Loire€1,338€1,818+36%15%40
CoullonsLoiret€1,000€1,356+36%17%76

Median price per m² of houses by EPC, sales from 2021 to 2025 matched with the certificate of the same home (same address, similar size), at least 8 sales in each rating (1,685 comparable towns). An F or G house is often also in poor overall condition: the gap measures “energy sieve to renovate versus finished house”. The gap is the starting margin of a renovation, before the cost of works and grants. National ranking, all towns analysed on the site.

How to do it

Steps

  • Start by checking your rating: since 1 January 2026, the calculation favours electric heating and some homes have changed rating without any works. ADEME lets you update an existing EPC from its number.
  • Prioritise loft insulation, windows and the heating system.
  • Have an energy audit done to cost the gain from each item.
  • Book an appointment with a France Rénov’ adviser (free) to find out about grants.

What to watch

  • MaPrimeRénov’ “major renovation” targets E, F or G homes with a gain of at least two ratings. The scheme closed and then reopened in 2026: check the current conditions.
  • Do not start the works before filing the grant application.
  • Some grants require you to live in or let the home for a minimum period. Selling too early may mean repaying them.

Ranking: average

Technique T3 of 8, ranked by works, planning permission and professionals involved. Compare the 8 techniques →

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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City pages: Montluçon · Vichy · Moulins.