Read news from:
Austria
SHARE
COPY LINK
For members

MONEY

Moving to France: How much money do I need for the cheapest areas of France?

If you want to move to France and you're on a budget, you will want to avoid Paris or the Riviera, but how much income do you need to be able to live in the cheapest areas of the country?

Published: 30 August 2022 19:26 CEST
Moving to France: How much money do I need for the cheapest areas of France?
The Parc naturel regional du Morvan in Grand-Est. Photo by Hassan AYADI / AFP

One of the most common reasons people give for moving to France is the quality of life here, and many people are prepared to take a salary cut or reduce their working hours in order to achieve a better work/life balance – but how much do you actually need to live on?

On many national cost comparisons, France’s Grand Est region – along the border with Luxembourg and Germany – comes out as the cheapest part of France.

The flip side of this this is that it does suffer from a lack of employment opportunities and low salaries, but it’s not unusual for people to cross the border to work, especially for those living in the Metz area – which means that border areas tend to be more expensive.

It’s one of France’s lesser known regions, but it’s well worth checking out – its history means that its culture and cuisine has a lot of German influence and it also has some stunning countryside and great national parks. 

Housing – €420 per month

Using the Grand-Est city of Nancy as an example, an apartment with at least one bedroom that is at least 35m2 in size, you can expect to spend around €420 per month.

Once you are out of the cities and in the countryside you’re more likely to find houses than apartments and there are some good prices on offer – when we went looking for property in France on sale for less than €100,000 Grand Est was the region that came out on top by quite some margin.

MAP Where in France can you guy property for less than €100k

The average rental price for the region is €12 per square metre with purchase prices at around €2,422 per square metre.

Property taxes – If you are a tenant you probably won’t need to pay any property taxes as the householders’ tax taxe d’habitation is being phased out, but if you buy you will need to pay the property owners’ tax – taxe foncière. The TV licence – previously €138 per year per household – has been scrapped this year.

Transport – €177 per month (excluding purchase cost)

Public transport in rural France is poor, so if you are in a rural part of Grand-Est you’re likely to need a car.

Having said that, the region has several small to medium sized cities, such as Nancy, all of which have good public transport.

If you do have a car, according to a government report on energy published in 2021, the average French household with a vehicle spent about of €1,542 per year on fuel, which comes out to about €128.50 per month.

Afterwards, you would need to also add insurance – price comparison site Les Furets estimates the average national monthly cost of vehicle insurance in France at €46, although obviously a lot depends on your age, location and driving record.

There’s also the compulsory two-yearly contrôle technique vehicle check, the average national price is €78.

Utilities – €110-€150 per month

Energy prices are set nationally in France and in August 2022, the electricity cost per kilowatt for those with a regulated rate with the national energy provider (EDF) was €0.1740 TTC.

If you heat your home with gas, but use an electric cooker, your average energy bill in France is about €81 for both gas and electricity. In contrast, if you heat your heating, hot water, and stove top are all electric, then your average bill is likely to be higher, around €125 per month. The average internet bill is €29 a month.

Grand-Est is known in France for being chilly and rainy, so in winter you’re likely to spend more on heating.

The relatively affordable housing in Grand-Est also means that you are more likely to have a larger space – which naturally will cost more to heat. If you have purchased an old property it may also have a poor energy rating and inefficient heating systems. While there are government grants available to install more energy-efficient heating methods or improve your insulation, there is likely to still be a cost to you.

On a plus side, rural homes are more likely to have open fires or log-burners, meaning you can collect your own fuel to contribute to heating.

Groceries – €220 per month

Shopping for food in Grand-Est will be a bit less expensive than the national average.

Using the E. Leclerc store in the centre of the city, near the Gare de Nancy, as an example, you could expect to spend about €220 per month as a single person for a panier (the national measure of the average cost of groceries), according to price comparison site Que Choisir. 

Healthcare – €38 per month

Once you have lived in France for three months you are entitled to register in to public healthcare system – here’s how.

Once you are registered (and it can take a few months) the state reimburses the majority of your costs for medical appointments, prescriptions and treatments. There is also the option to purchase top-up insurance known as a mutuelle, which (in most cases) will ensure that 100 percent of your medical costs are reimbursed.

For a single person, the average cost of a mutuelle is €38 per month, and if you are an employee your employer must pay at least half of the monthly cost.

Childcare – €180-€400 per month (means tested)

This won’t be applicable to everyone, but if you have young children you might need to factor in childcare costs.

After the age of three, children are required to attend pre-school (maternelle). This is free, public and mandatory. However, until your child reaches the age of three, you may need to budget for childcare – usually either a nanny, childminder or a nursery (crèche).

For public nurseries, the prices are determined on the basis of income. Typically, if you earn between €2,000 and €3,000 per month, you will find yourself paying between €180 and €250 a month for full-time daycare at a crèche. If you earn between €2,000 and €4,000 you might the crèche will cost you between €250 and €400.

READ MORE: Family-centred society: What it’s really like being a parent in France

If your income is higher than €4,000 per month, then you may find yourself paying closer to €1,000 per month.

The prices are staggered because childcare through a crèche or nounou (childminder) is state subsidised,

Families in France also benefit from other state benefits. After your child is born, you may qualify for the “prestation d’accueil du jeune enfant (Paje)” which can be paid at the time of the birth (or adoption) of the child and until the child reaches the age of six, for families who demonstrate the financial need. CAF (Caisse d’Allocations Familiales de Paris) also offers assistance to low-income families with children. 

For childcare during the summer, your child can take part in the colonies de vacances – which are an opportunity to go away from home to learn and participate in new activities. The price to send your child can be subsidised by CAF, based on income.

Salary

If you’re moving to France to work, you might notice that wages are lower than your home country, especially for Americans. You will, however, be covered by the minimum wage.

As of August 2022 the national minimum wage – known as the SMIC – in France is €11.07 per hour before taxes, which comes out to about €8.76 after taxes. A full-time worker on minimum wage would earn €1,329.05 per month, after taxes.

Total living cost – €970 per month

Grand-Est would likely be affordable for a person earning the minimum wage in France, with the added bonus that they could save on transport costs if they were living in a town and did not need a car.

The above totals are of course of only guides, there are lots of variables including whether you own your own home and whether or not you need a car. You would need to factor in taxes, but if your income is low you will generally not pay income tax.

While there is quite a significant amount of government help available to low-income households, this isn’t always available to new arrivals and will involve you navigating the French social security system, which is not always easy for newcomers. 

When we asked our readers who had moved to France, few had been motivated by money and the majority said that their overall quality of life was better in France. 

READ MORE: ‘Our life is so much better here’ – Why do people move to France?

One major plus for life in France is that if circumstances mean that the cost of living rises dramatically, you can rely on your new compatriots to be very stroppy about it until the government takes action to help individuals cope with their bills. 

Member comments

Log in here to leave a comment.
Become a Member to leave a comment.
For members

LIVING IN FRANCE

Reader question: Will I need to do a French ‘integration’ class to renew my carte de séjour?

France's new immigration law contains extra provisions for 'integration' - including promising to adhere to French values and attending classes on French history and culture. Here's what they mean for foreigners in France.

Published: 19 April 2024 17:23 CEST
Reader question: Will I need to do a French 'integration' class to renew my carte de séjour?

Question: I read that France will now be requiring foreigners to sign a contract promising to respect French values, and to take civics classes – does that mean I will have to do that when I next renew my carte de séjour?

The short answer to this is – maybe, it depends on the type of card you have and what change you’re hoping to make.

Here’s the longer answer;

France’s new immigration law, passed back in January, brought in three main changes for foreigners in France – language tests, a contract promising to ‘respect the values of the French republic’ and expanded classes in civics (French culture, history and values).

Language tests

Undoubtedly the biggest change for most people is the language tests – we have covered this topic extensively HERE.

Contracts 

Then there is the Contrat d’engagement au respect des principes de la République française – which is a promise to respect the ‘values of the French republic’ such as personal freedom, freedom of expression and equality between men and women.

In practical terms, this is just a form that you will need to sign as part of the application process for a visa or residency card – you can find full details on exactly what you’re agreeing to respect HERE.

This applies to all types of visa and residency card, including renewals. It is not yet in force, but is expected to come into effect later this year.

Classes

Then there are is the contrat d’intégration républicaine (CIR), which has a confusingly similar name. This involves extra courses in civics and language that certain groups can be required to attend.

The CIR is a lot more than just signing a form, you also agree to take several hours of classes – but the key thing is that many groups are exempt from this requirement.

The immigration law doesn’t actually change who is required to sign the CIR and do the classes, it just expands the scope of the classes themselves and adds a test at the end.

These don’t apply to people applying for visa, it’s only when you get your residency permit – carte de séjour/titre de séjour – that you may be required to meet with OFII (the French office of immigration and integration) and take the classes.

Exemptions – Let’s start with exemptions – if you are applying for or renewing any of the following carte de séjour types you do not need to do the classes; 

  • Visitors (carte de séjour temporaire “visiteur”)
  • Students (carte de séjour temporaire portant la mention “étudiant”)
  • Trainees/interns (carte de séjour temporaire portant la mention “stagiaire”)
  • Temporary workers (carte de séjour temporaire portant la mention “travailleur temporaire”)
  • People who were born in France and have resided here for at least eight years (you fall under the jeune étranger né en France status of the carte de séjour temporaire portant la mention “vie privée et familiale”)
  • People with serious illness (you fall under the ‘étranger malade‘ category of the carte de séjour temporaire portant la mention “vie privée et familiale”)
  • Seconded employees and their families (carte de séjour pluriannuelle portant la mention “salarié détaché”)
  • Seasonal workers (carte de séjour pluriannuelle portant la mention “travailleur saisonnier”)
  • Talent passport holders and their families (carte de séjour pluriannuelle portant la mention “passeport talent”)
  • People who completed at least three years of French secondary school or one year of higher education in France
    EU/EEA/ Swiss nationals
  • Holders of the post-Brexit Article 50 TUE carte de séjour
  • People who qualify for the carte de résident due to service in the French foreign legion or military

So who does have to do the classes? – The new law does not change who has to sign the CIR (and by extension, agree to take the classes), certain groups have always been required to do this, including;

  • Workers on a salarié carte de séjour
  • Self-employed people on a entrepreneur/profession libérale status
  • Certain groups on the ‘vie privée et familiale‘ statuses, including parents of French minors and foreign spouses and partners (PACs) of French nationals.
  • Applicants for the carte de résident de longue durée-UE card, which is given to people after five years of residency in France
  • Refugees

You only have to sign the CIR and take the assigned courses once, and the certificate then applies to all future card applications and renewals. 

How to access the classes

In most cases, people do the classes shortly after arriving in France when they request their first carte de séjour (usually after three months of residence, although it can be longer for different card types).

It is part of the general summons by the OFII which can also include language classes and a medical test.

OFII: Your questions answered on France’s immigration office

However if you are swapping from a card type that is exempt onto a card type that is not exempt you may also have to do them – for example if you apply for the carte de résident de longue durée-UE after five years of residence and were previously on a ‘visiteur’ card.

In this case you won’t receive a summons from OFII, you will need to contact them and request the relevant form. You will be called to an interview and from this interview they will decide whether you need to do the classes or not – it depends on your level of French and whether you can demonstrate that you are integrated into French society and understand French values.

In the case of the carte de résident de longue durée-UE, the opinion of your local mayor or commune can be taken into account – so if you know your mayor you could ask them to write an attestation stating that you are well integrated into local life, which may help.

So that’s the long answer – we did warn you. 

SHOW COMMENTS