The Real Estate Market in June 2025: Trends and Forecasts in France
As of June 2025, the French real estate market continues its recovery trajectory, initiated in the spring, while evolving in an economic environment that remains uncertain. Prices are tending to stabilize, interest rates remain relatively attractive, and buyers are gradually returning to the market, encouraged by support measures such as the new Zero-Interest Loan (PTZ 2025).
Whether in large cities or rural areas, market dynamics remain contrasted. The most in-demand regions benefit from sustained demand, while other territories are still struggling to find balance. For individuals planning to buy, sell, or invest in rental property, it is essential to analyze current trends and short-term prospects.
Optimhome offers in this article a comprehensive analysis of the real estate market in June 2025, covering price per square meter, mortgage rates, and regional disparities, to help you make the right decisions for your real estate project. For personalized advice and tailored support, contact your local real estate advisor.
Overview of the Real Estate Market in June 2025
The month of June confirms the encouraging signals seen in recent months. After a year (2024) marked by a gradual decline in activity, the French real estate market appears to be regaining some stability. The recovery remains moderate but real, driven by renewed confidence, a favorable seasonal context, and reinforced public support.
- Property sales are picking up in several regions, particularly in suburban areas and medium-sized cities where prices have become more accessible.
- In large urban areas, the real estate market remains active, but price adjustments rather than demand spikes are driving activity.
Overall, real estate professionals are observing a better balance between supply and demand. While transaction volumes have not yet returned to pre-crisis levels, the trend clearly points to a gradual and sustainable recovery.
Price Stabilization and Gradual Recovery of Transactions
Since the spring, property prices have stabilized in many regions. This market rebalancing reassures buyers who had been cautious due to economic uncertainty and inflation. In major cities like Lyon, Nantes, or Bordeaux, the price drops seen in 2023 and early 2024 seem to be behind us.
The number of transactions is increasing, especially in areas where supply aligns with household expectations. Properties priced fairly are selling more quickly, particularly individual homes and well-located housing in medium-sized cities.
This recovery, though cautious, is supported by a dynamic real estate season, with continued activity expected throughout the summer months.
Macroeconomic Factors Influencing the Market
The global economic environment remains marked by uncertainty, but several favorable indicators are supporting the real estate market.
- Although inflation is still present, it is slowing down, which eases pressure on long-term interest rates.
- The European Central Bank maintained its key rate at 2.25% in May, contributing to stable financing conditions.
- Moreover, household confidence is gradually improving, driven by greater clarity on their purchasing power and more accessible credit for solid financial profiles. These elements allow project holders to re-enter the market more confidently.
However, market momentum varies by region: some rural or economically declining areas are lagging, while dynamic regions continue to attract buyers and investors.
Evolution of Property Prices in June 2025
Real estate prices in June 2025 confirm a national trend toward stabilization.
After a gradual correction period starting in 2023, values are stabilizing or slightly rising again in some attractive areas. This trend affects both the new-build and existing home markets, though the dynamics differ between the two.
The current situation provides greater clarity for project holders. It allows for buying or selling in a more balanced environment, with less speculation and more realistic adjustments.
Analysis of Prices in the Existing Home Market
In the residential resale market, the price corrections seen over the past year are proving effective. Price per square meter has stabilized in most major cities, with slight increases noted in some regional capitals like Rennes, Angers, or Strasbourg—driven by strong demand and limited supply.
In Paris, the average price per square meter now hovers around €9,500, after having passed the symbolic €10,000 threshold two years ago. This relative drop makes certain neighborhoods more accessible to first-time buyers and revives demand, particularly for smaller units.
In medium-sized towns, the trend is also stabilizing. Prices are no longer falling and are aligning with local market realities. Some well-connected suburban municipalities are gaining appeal, fueled by the desire for better quality of life and larger spaces.
Price Trends in the New-Build Market
The new-build market continues to face structural constraints: high construction costs, stricter environmental regulations, and land scarcity. However, several factors are easing this pressure and making new construction an attractive option for buyers.
The Zero-Interest Loan (PTZ 2025), expanded nationwide and extended to new houses, provides valuable support to first-time buyers!
Tax incentives like reduced VAT or property tax exemptions also enhance the appeal of new builds.
Some developers are offering discounts or favorable conditions. The high energy performance of new housing (RE2020 label, energy ratings A or B) also attracts buyers concerned about managing long-term costs.
Mortgage Rates and Financing Conditions
In June 2025, mortgage rates are entering a phase of stabilization after several months of continuous decline. Although some signs point to possible pressure ahead, borrowing conditions remain generally favorable, especially for strong profiles or those well-advised.
Mortgage brokers are seeing a slight uptick in negotiated rates, but not enough to dampen demand. In this context, anticipating financing needs and preparing a strong application are key assets for securing a property under favorable terms.
Mortgage Rate Barometer – June 2025
According to Cafpi data for June 2025, the average mortgage rates in France are as follows:
| Loan Term | Best Rate | Average Rate | Market Rate |
|---|---|---|---|
| 10 years | 2.74% | 2.97% | 3.48% |
| 15 years | 2.85% | 3.08% | 3.71% |
| 20 years | 2.95% | 3.16% | 3.84% |
| 25 years | 3.05% | 3.26% | 3.98% |
Borrowers with a solid profile (stable income, down payment over 10%, low debt ratio) can still secure financing below 3% over 20 years. However, lenders remain cautious, especially given upcoming economic uncertainties.
Tips to Optimize Your Mortgage Rate
Compare multiple offers via a broker or online simulator
Highlight your personal down payment
Maintain good account management over the past 3 months
Reduce existing loans before borrowing
Plan for potential refinancing if rates rise
Impact of Rates on Real Estate Purchasing Power
Rate levels directly affect households’ buying power. A 0.5-point difference in mortgage rate can shift monthly payments by several dozen euros and significantly reduce available budget.
A few benchmarks for June 2025:
A household with €3,000 in net income can borrow about €230,000 over 20 years at 3.2%, versus €245,000 six months ago.
First-time buyers must increasingly choose between location, size, and property type.
Savings from energy-efficient homes or purchase subsidies can help offset rate increases.
In this context, accurately assessing your real estate purchasing power and avoiding overestimating your repayment capacity is essential. Personalized guidance from a professional is strongly recommended to secure your project.
Purchase Assistance and Tax Schemes in Force
To support homeownership and stimulate the market, several public programs are renewed or strengthened as of June 2025. These aids significantly reduce the overall cost of a property purchase, lower monthly payments, or compensate for a limited down payment.
They are especially useful for first-time buyers, young households, or those buying in areas eligible for reduced VAT or local grants.
The New Zero-Interest Loan (PTZ) 2025
Since April 2025, the PTZ has been thoroughly revised to address a wider range of buyer situations. It now serves as one of the key tools supporting real estate access.
Key features of PTZ 2025:
Available nationwide, including low-demand areas
Applicable to new housing and new detached homes, including social access housing
Amounts up to €100,000 depending on income and location
No interest or monthly payments during the deferred repayment period (up to 15 years)
This new PTZ allows many households to secure financing without increasing their debt load. It is especially valuable for those with limited savings or who wish to preserve a financial safety net.
Other Financial Aids and Tax Benefits
In addition to the PTZ, other schemes can help reduce the total cost of a property purchase:
5.5% reduced VAT: for new housing in ANRU zones or priority neighborhoods, subject to income limits
Property tax exemption for 2 to 5 years in some municipalities for new constructions
Shared Ownership Lease (BRS): allows purchasing only the building (not the land), with discounts of 30–40%
Local aid: some regions, departments, or municipalities offer grants or subsidized loans
These programs are often cumulative (under certain conditions) and usually require administrative support. To ensure nothing is overlooked, it's best to consult a real estate advisor or financing broker.
Tips for Buying or Selling in June 2025
June is a strategic period for finalizing a real estate project. Whether you’re buying or selling, the current environment calls for a realistic, structured approach with professional support. Opportunities exist, but they must be seized with preparation and timing.
Buying in June 2025: Opportunities and Precautions
For buyers, several favorable conditions still apply despite economic uncertainty:
Mortgage rates remain attractive, especially for strong profiles
Prices are generally stabilized, providing greater clarity
Strengthened aid programs, especially PTZ 2025 and reduced VAT
A wide variety of properties available in medium-sized towns and suburban areas
Less competition in some locations, allowing room for negotiation
However, it is essential to:
Carefully assess your borrowing capacity and future payments
Visit multiple properties to compare prices objectively
Seek support from an Optimhome professional to secure every step of the process
Selling in June 2025: Effectively Showcasing Your Property
For sellers, the market is favorable for well-valued and well-located properties:
Demand is rebounding, especially in attractive areas
Buyers are active in the spring, with a peak expected
Price stabilization reassures buyers and limits excessive negotiations
To optimize your sale:
Get your property valued at a fair price based on local trends
Enhance presentation (photos, staging, home styling if needed)
List the property on high-visibility portals with Optimhome’s support
Be responsive and organized for visits and paperwork
Conclusion – Key Takeaways for June 2025
The real estate market is stabilizing after two turbulent years: less decline, more clarity
Interest rates remain attractive, though moderate increases are possible
Purchase aids are numerous and can significantly reduce costs
Real opportunities exist for both buyers and sellers, especially in transitional areas
June is a good time to act: current conditions may not last
Optimhome supports your project with experienced advisors across the country.
FAQ – Frequently Asked Questions About the Real Estate Market in 2025
Will the real estate market drop in 2025?
The decline has clearly slowed since spring. In June, prices are stabilizing in most regions.
Will the real estate market rise in 2025?
In some attractive cities, prices are rising slightly. Elsewhere, stabilization is the main trend.
What measures are in place to stimulate the real estate market in 2025?
The expanded PTZ 2025, reduced VAT, tax exemptions, and local grants are the main levers.
When is the best time to buy a house in 2025?
June is a good time: competitive rates, active aid schemes, a favorable season, and a more balanced market.
Is now a good time to sell a property in 2025?
Yes, especially if your property is well-located and fairly priced. The market is active and buyers are back.
Author
Fabrice DOBROWOLSKI, Network Development Director at Optimhome
"Benefit from my expert advice, based on many years of experience in real estate, to ensure the success of your buying or selling project."
