T4 House 79.9 m² for sale in Pontoise - €279,000, DPE E

The displayed price of the house is €279,000 for a surface area of 79.9 m², which gives a price per m² of €3,490 (calculated from the displayed price and declared characteristics). According to DVF (Demand for Land Value) data for Pontoise, the median price per m² for houses is around €3,300 (source: DVF DGFiP, 2023). This places this house slightly above the market median, with a difference of 5.76%.

Over the last 12 months, the real estate market in Pontoise has experienced an upward trend, with an increase of about 4% in prices (source: Notaires de France, 2023). Charming houses like this one, with unique features, are particularly sought after in the historic area of Pontoise, which may justify this slightly higher price than the median.

For a purchase at €279,000, notary fees are estimated between 7% and 8% for older properties, or approximately €19,530 to €22,320 (estimate based on current professional scales). The total acquisition cost would therefore be between €298,530 and €301,320.

For a loan over 20 years at the current average rate of 3.4% with a contribution of 10% (€27,900), the amount borrowed would be €251,100. The monthly payments would be around €1,500 (calculated based on a loan simulator).

In terms of rental yield, if this house is rented at €1,200/month, the gross yield would be 5.17% (calculated on the purchase price). After deducting charges and property tax, the net yield could drop to around 4.5%.

The house is classified DPE E with an energy consumption of 286 kWh/m²/year and a GES C (11 kg CO2/m²/year). The estimated annual energy cost for this house would be around €1,200 (estimate based on average public sector data).

According to the Climate & Resilience law, properties classified F and G will no longer be able to be rented from 2025, but this house will not be affected by this prohibition. To improve the DPE class, insulation and heating work could be considered, with an estimated cost of €15,000 to €25,000 (indicative range based on current professional scales). Aid such as MaPrimeRénov' could be mobilized to reduce this cost.

The house is located in Pontoise, close to the train station serving the Transilien line H, allowing quick access to Paris. The station is about a 15-minute walk away, with frequent trains (every 30 minutes during peak hours).

The neighborhood is well served by local shops, schools (primary school and middle school within less than 1 km), and green spaces, contributing to a good quality of life. The demographics of Pontoise show a median income of €27,000 per year (source: INSEE, 2021), with a diverse population and a good family dynamic.

The house is located in a low flood risk area according to Géorisques data. However, it is important to check for any easements and the PLU (Local Urban Plan) that could affect future projects.

Regarding rent control, Pontoise is not part of tight zones, meaning there is no rent capping in effect. Mandatory diagnostics must be provided at the time of sale, including the DPE, state of risks and pollution, and asbestos if applicable.

When comparing this house with other similar properties in the Pontoise area, it is noted that the price per m² is slightly above the market median. Houses with similar features (2 bedrooms, garden, DPE E) generally sell between €3,200 and €3,500 per m². This house, at €3,490 per m², is therefore in the high range, but justified by its location and authentic character.

The advantages of this house include its garden, cellar, and warm ambiance, while the disadvantages may relate to the DPE class which may require energy improvement work.