Viager in Montluçon 03100
Actual prices, occupied value and fair rente in Montluçon, calculated from the 1,860 sales of houses and flats recorded between November 2022 and June 2026.
Property prices in Montluçon
Half of the sales between €500/m² and €890/m². Median floor area 63 m², 3 rooms.
Half of the sales between €840/m² and €1,470/m². Median floor area 82 m², 4 rooms.
| 12-month period | Flats | Houses |
|---|---|---|
| Jul 2025 – Jun 2026 | €650/m²281 sales | €1,060/m²241 sales |
| Jul 2024 – Jun 2025 | €620/m²270 sales | €1,090/m²230 sales |
| Jul 2023 – Jun 2024 | €670/m²274 sales | €1,150/m²215 sales |
Raw prices for each period (not adjusted for market changes). A median is shown only when there are at least 5 sales.
Example viager in Montluçon
Take a 63 m² flat, the median size of the sales in Montluçon. At the median price of €670/m², it is worth about €42,000 vacant. Sold as an occupied viager by a woman aged 80:
By the seller's age
| Seller's age | Occupied value | Fair rente /month |
|---|---|---|
| 70life expectancy 19.1 years | €16,900 | €57 |
| 75life expectancy 15.0 years | €21,900 | €93 |
| 80life expectancy 11.2 years | €26,600 | €149 |
| 85life expectancy 8.0 years | €30,800 | €236 |
| 90life expectancy 5.4 years | €34,300 | €384 |
Bouquet of 30% of the occupied value in each case. Assumptions: rental value of 3.5% a year, rente indexed at 2% a year, 3% discount rate, INSEE mortality tables. A couple, a larger property or one in better condition change everything: each viager has to be calculated property by property.
Energy ratings of the homes sold
Of the 1,167 homes sold in Montluçon whose energy performance certificate (DPE) is known, 24% were rated F or G (poorly insulated) and 1% A or B.
Difference in price per m² by energy rating, across the whole département (Allier), compared with homes rated D:
| A-B | C | D | E | F-G | |
|---|---|---|---|---|---|
| Houses | +39% | +11% | ref. | −15% | −35% |
| Flats | – | +28% | ref. | −4% | −22% |
Raw medians, not adjusted for the size, age or location of the homes.
Viager in nearby towns
Where these figures come from
Prices come from actual sales recorded by the French tax authority (the DVF database): only sales of a single house or a single flat, with no commercial premises. The median price is the one that splits the sales into two halves; it is brought to the level of the last 12 months using the price trend of the département.
In an occupied viager, the buyer pays the value of the property minus the value of the use the seller keeps. This occupied value is split between a bouquet, paid upfront, and a rente paid for life. To check a specific listing, the simulator compares the property with the closest sales and calculates the yield after all costs.