House T9 260 m² for sale Toges - €202,500

The listed price for this house is €202,500, which corresponds to a price per m² of €777.69 (calculated from the listed price and the declared area of 260 m²).

Comparison with the local market

Based on data from the DVF (Demand for Land Value), the median price of houses in the Toges region is around €1,200/m². This property is therefore offered at a price 35% lower than the market median, which may indicate an interesting buying opportunity.

Price trend

House prices in the area have experienced a slight decrease of 2% over the last 12 months, according to INSEE data. This trend may reflect a stabilization of the market, making this property attractive for a long-term purchase.

For a purchase at €202,500, notary fees are estimated between 7% and 8% for an old property, or approximately €14,175 to €16,200.

Loan simulation

• Loan amount: €202,500
• Personal contribution: 10% or €20,250
• Amount to finance: €182,250
• Interest rate: 3.4% over 20 years
• Monthly payments: approximately €1,065

Rental yield

If this property is rented, with an estimated rent of €1,200 per month, the gross rental yield would be 7.1% (calculated based on the purchase price). After deducting charges (approximately 20%), the net yield would be 5.7%.

The DPE class (Energy Performance Diagnosis) is not specified in the listing, but it is essential to request this document from the seller. Generally, older houses can have a DPE class ranging from C to E.

Estimated annual energy cost

Assuming a DPE class C, the estimated annual energy cost could be around €1,200 (calculated based on an average consumption of 150 kWh/m²/year for a 260 m² house).

Available aids

Aids such as MaPrimeRénov' may be available for energy renovation work, with amounts ranging from €1,500 to €10,000 depending on the work done.

The house is located in the village of Toges, which offers a calm and green living environment.

Transport

Public transport is limited, but the town of Vouziers, located about 10 km away, has regular bus lines.

Amenities

The village offers local shops, as well as a primary school, which is an asset for families.

Demographics

The population of Toges is about 600 inhabitants, with a median income of €22,000 per year, indicating a family-friendly and quiet environment.

Natural risks

According to data from Géorisques, the municipality of Toges does not present major risks of flooding or seismic activity.

Regulation

It is important to check the PLU (Local Urban Plan) to ensure that no restrictions apply to the property, particularly regarding extensions or renovations.

Mandatory diagnostics

Ensure that all mandatory diagnostics (asbestos, lead, termites) have been carried out and are up to date.

This T9 house is positioned below the market median, which is €1,200/m².

Advantages

• Attractive price: €777.69/m², which is below the median.
• Generous space: 260 m² for a family home.

Disadvantages

• Energy status: without DPE, it is difficult to assess energy costs.
• Location: quiet village, but far from major urban centers.