In 2027, your house will gain or lose value mainly according to its own characteristics, much more than according to the national trend. Prices of existing houses are declining slightly (-1.3% over one year in the second quarter of 2026, according to the notaires and Insee), but a well-located house in good condition with a good DPE holds its value or even rises, whereas an energy-hungry house that is far from services or needs major renovation work continues to lose value. Four factors make the difference: the energy rating, the location, the overall condition, and how well the property matches the expectations of buyers who can obtain financing.
In summary
- The national house market is slightly down, with very large differences from one city and neighbourhood to another.
- Houses rated F or G suffer discounts of more than 10%; conversely, a better DPE, notably thanks to the new 2027 calculation for houses heated with electricity, can increase a property's value.
- Proximity to services, transport and employment remains the main driver of value.
- Maintaining, documenting and regularly revaluing your house protects its value.
What the figures say about house values
A moderate decline at national level
Existing houses are falling more than apartments: -1.3% over one year versus -0.1%. The notaires project near-stability by the end of November 2026 (-0.4% over one year for houses). The decline mainly affects larger properties, which are more expensive to finance, heat and maintain. To find out where your property stands within this trend, request a free valuation of your house.
Diverging local markets
Some cities are rising clearly (Brest +5.8%, Rouen +2.8%, Dijon +2.6%, according to Laforêt), while others are still falling. Peri-urban areas are becoming more attractive (+0.8% on advertised apartment prices) because they offer more space for the same budget. Your house first follows the trajectory of its micro-market.
The role of loan rates in the value of your house
The value of a house depends on what buyers can finance. With an average rate of 3.51% over 20 years in November 2026, a household repaying €1,500 per month can borrow about €258,000 over 20 years, excluding insurance. If rates rise to 4%, that amount falls to about €248,000. This loss of purchasing power of almost 4% mechanically weighs on family houses, whose price depends heavily on credit.
Asking prices and signed prices: do not confuse them
House listings often show prices higher than the prices actually signed, since 9 out of 10 sales are negotiated. To track the value of your house, refer to completed sales in your area rather than your neighbours' listings.
The factors that will make your house gain value in 2027
A good or improved DPE
From 1 January 2027, the conversion coefficient for electricity used in the DPE falls from 1.9 to 1.7, according to the order announced by the Ministry of Ecological Transition. Many houses heated with electricity will see their rating improve, without any works and without a new inspection visit, and none will see its rating worsen. Comparing the houses for sale in your municipality by energy rating clearly illustrates this difference in value.
A sought-after location
Proximity to a train station, schools, shops and a dynamic employment area: these criteria carry even more weight when travel costs are rising.
Features suited to new expectations
A heat pump, recent insulation, an office for remote working, summer comfort (shutters, orientation, shade) and a garden that is easy to maintain are all valued by buyers today.
Flexible floor areas and uses
A ground-floor bedroom to accommodate an elderly parent, a garage that can be converted, a self-contained studio or insulated attic space: a house's ability to adapt as the family evolves is increasingly valued. These assets, which should be highlighted in the listing, widen the pool of interested buyers, whether blended families, remote workers or younger retirees.
Factors that may reduce its value
Factor | Likely effect on value | What to do |
|---|---|---|
DPE rating F or G | Discount often greater than 10% | Energy audit, targeted works or adjusted price |
Major works required (roof, wastewater treatment) | Negotiation over the amount of the quotes | Have quotes drawn up before the sale |
Large house far from services | Weaker demand | Target suitable buyers, present the real costs |
Increase in local taxation | Higher cost of ownership | Include the taxe foncière (property tax) in the presentation of the property |
Lack of maintenance | Gradual and visible loss | Regular maintenance and invoices kept |
The effect of the ban on renting out energy-intensive homes
From 1 January 2028, a house rated F will no longer be able to be let under a new lease. Investors are therefore turning away from these properties, which reduces the number of potential buyers and increases the discount. For an owner-occupier, this prevents neither living in the house nor selling it, but it weighs on the resale price.
Nuisances and development projects
A new road, a business park, an antenna, a property development that blocks a view: these changes in the surroundings can reduce value. Conversely, the arrival of a transport line, a school or shops strengthens it. Consult your municipality's plan local d'urbanisme (local urban planning document) to anticipate changes.
How to protect or increase the value of your house
Have your house revalued every year
A regular valuation tells you whether your property is keeping pace with, outperforming or falling behind its local market. This is essential when deciding on a sale or a renovation project.
Prioritise cost-effective works
Attic insulation, replacing an oil-fired boiler with a heat pump, windows and doors: these are the works that most improve the energy rating and therefore the value. The grants and subsidies from France Rénov' can reduce the cost.
Put together a house file
Invoices, warranties, diagnostics, plans, boiler servicing records: a complete file reassures buyers and limits negotiation.
Anticipate the expectations of tomorrow's buyers
Buyers in 2027 will pay close attention to the overall cost of the house: energy, maintenance, taxe foncière, commuting. Think about summer comfort (shutters, sun protection, planting), efficient heating and how easy the garden is to maintain. These elements, rarely highlighted ten years ago, now weigh on the decision and on the price.
House in town, on the outskirts or in the countryside: different trajectories
Location remains the primary determinant of a house's value. In 2027, three main types of market should continue to evolve differently.
Town houses and houses in the inner suburbs
Rare and sought after by families, houses close to town centres, schools and public transport hold up best. Their price depends mainly on buyers' borrowing capacity: if average rates approach 4%, their price growth could stall, without a marked decline for properties in good condition.
Houses in peri-urban areas
Peri-urban areas attract households looking for more space on the same budget. Asking prices for apartments there are rising slightly (+0.8%), a sign of a shift in demand. For houses, proximity to a railway station or a major road makes all the difference, as commuting costs weigh on buyers' budgets. A locally based Capifrance advisor knows precisely how prices are changing in these areas.
Rural houses and houses in small towns
In mid-sized towns and rural communes, prices remain affordable (sometimes €1,000 to €1,300/m² in the cheapest towns), but selling times are longer. Energy-inefficient houses are more numerous there: their value depends heavily on the cost of energy renovation work.
The coast and tourist areas
Coastal markets are generally continuing to hold up well, driven by demand for both primary and secondary residences. However, prestige properties there have reached levels that leave less room for further growth, and local taxation on secondary residences is tending to rise in some communes.
The expert's view
"When an owner asks me whether their house will gain or lose value, I always start by looking at three things: its energy label, its condition and its location relative to services. The national economic climate comes afterwards. In 2026, we saw well-located, well-maintained houses sell quickly, at the asking price, while energy-inefficient houses in the same neighbourhood stayed on the market for several months before being negotiated down with substantial discounts. The value gap between these two categories will continue to widen in 2027. The good news is that part of this value is in your hands: regular maintenance, well-targeted energy work and a complete file. Have your house valued once a year, even if you have no immediate plans: it is the best way to manage your assets and to decide on works at the right time."
— Frédéric Rémy, Commercial Performance Director at Capifrance
Conclusion
In 2027, the value of your house will depend more on its DPE (energy performance diagnostic), its location and its condition than on the national economic climate. The market is not collapsing, but it is selective: well-maintained, well-located properties are holding up, while energy-inefficient and costly houses continue to lose value. A regular valuation and well-chosen works are your best tools.
To find out what your house is worth today, request a valuation of your house by an advisor. You can also browse houses for sale in your area and talk to a local real estate advisor. And if a neighbour or a friend is thinking of selling, you can recommend them as a Capifrance business referrer.
FAQ - Frequently asked questions
Will houses fall more than apartments in 2027?
That is the trend observed in 2026: -1.3% over one year for houses versus -0.1% for apartments. It could continue if mortgage rates keep rising.
Can the new DPE calculation increase the value of my house?
Yes, if it is electrically heated: its label may improve on 1 January 2027, which widens the pool of buyers and reduces energy-related negotiation.
Does a swimming pool add value to a house?
In the South and in tourist areas, often yes; elsewhere, the effect is more limited because buyers factor in its maintenance cost.
How often should you have your house valued?
Once a year is enough to track changes, and always before a planned sale, gift or major works.
Do houses with a large plot lose value?
Not necessarily, but a very large plot can deter some buyers because of the upkeep. A division of the plot is sometimes a way to enhance the value of the property.
Does a heat pump increase the value of a house?
Often yes: it improves the DPE, even more so with the new 2027 calculation, and reduces bills, which reassures buyers.
Does the increase in the taxe foncière (property tax) reduce the value of a house?
Indirectly: buyers factor the cost of ownership into their budget. A high taxe foncière can therefore weigh slightly on the price.
Will my renovation work be included in the valuation?
Yes, provided you document it with invoices. Energy works and upgrades to meet current standards are valued most highly; highly personal fittings are valued less.
Should you sell now if your house risks losing value?
It all depends on your plans and on the causes of the decline. If it is due to the DPE (energy performance diagnostic) or to upcoming works, acting quickly (selling or renovating) limits the loss. If it is only due to market conditions, there is no rush if you have no plans to sell.
How can I find out the prices of houses sold on my street?
The public sales database (DVF) shows the prices at which properties were actually sold. A local agent can supplement this with information on the condition and characteristics of those properties.
Does the value of my house depend on the sale of neighboring houses?
Yes, recent sales in the neighborhood serve as a reference for buyers and professionals. A low-priced sale on your street can influence negotiations, which is why it is worth following the local market.
Author
Frédéric Rémy – Director of Sales Performance
A real estate professional with several years of experience within the Capifrance network, I would like to share essential advice with you to help you successfully complete your property project with our advisors.
