Good news if you are planning tobuy new housing, “the tendency to drop in prices is confirmed »indicate the broker Empruntis and the specialized portal Find-un-logement-neuf, in their half-yearly barometer published this Wednesday, November 12. Of the 10 largest cities in France, only one, Nice, saw the average price of a three-room apartment – the reference typology in real estate development – increase between April and October 2025. In the other 9, prices fell, “sometimes spectacularly”underlines the barometer. This is the case at Nanteswhere the average price of a new T3 has fallen by… 20% over the last six months, to fall to 247,300 euros (see infographic).
HAS Bordeaux also, the price of a three-room apartment fell below 300,000 euros in October, falling by 11.5%, to 278,500 euros. Same as Marseillewhere you can now become the owner of a new T3 for 293,400 euros, instead of 312,500 euros six months ago, a drop of 6.11%. Lille And Montpellier are not to be outdone, with respective plunges of 7.36% and 7.16%, to 303,200 euros for the first and 281,500 euros for the second.
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Family housing is on the rise
“This general decline can be explained in particular by a supply (of housing) refocused on the main residence and first-time buyers, supported by measures such as the joint real lease (BRS), which mechanically pulls average prices down.analyze Empruntis and Find-a-new-housing. The real joint lease, which separates ownership of the land from that of the building, allows you to buy 30% below market prices! A particularly interesting mechanism for first-time buyers in stressed areas, where the supply of housing is much lower than demand, and where prices are therefore high.
First-time buyers whose solvency has been restored, thanks to the drop in credit ratesnow stabilized at a little more than 3%, the extension of the zero-rate loan to the entire territory and credit offers at subsidized rates, favors the purchase of family housing of four and five rooms, to the detriment of T2 and T3. The end of the Pinel rental investment system, abolished since December 31, 2024, also contributes to the decline in sales of small housing, with price reductions in an attempt to sell off developers’ stocks. In six months, the share of the main residence in purchases of new housing has in fact jumped from 86% to 94.8%, while that of rental investment has collapsed from 7% to 4.8%.
Great savings thanks to the drop in new prices
“The drop in prices for new properties reflects less a fall in value (as such) than a recomposition of the market around products for first-time buyers”specifies Céline Coletto, spokesperson for Find-un-logement-neuf. Coupled with the stagnation of credit rates over the last six months, this drop in prices makes it possible to achieve sacred savings. In Nantes, less than 1,500 euros in monthly loan payments are now necessary to buy a new 3-bedroom apartment, a saving of more than 300 euros per month compared to April (see infographic)!
A saving which amounts to a total of 83,760 euros over the 20 years of a loan granted at a rate of 3.45%. In Bordeaux, you save nearly 50,000 euros over the life of your loanand 207 euros per month. From Paris to Toulouse, via Lyon, Lille, Marseille, Strasbourg and Montpellier, the monthly payment necessary to afford a new three-room apartment is falling. However, in a symbolic way in Paris, since you save 2,880 euros over 20 years and 12 euros per month.
