House T6 157 m² for sale Vernoux-en-Vivarais - €327,000

The price of the house is €327,000 for a surface area of 157 m², which gives a price per m² of €2,080.38 (calculated from the displayed price and declared characteristics).

Based on DVF (Demand for Property Value) data, the median price per m² for houses in the Vernoux-en-Vivarais area is estimated at €2,300 (source: DVF DGFiP, consulted in 2023). This means that the price of this house is 9.57% lower than the market median.

House prices in the region have seen a slight increase of 2.5% over the last 12 months, according to local real estate market trends. Over 36 months, the trend is stable, with minor fluctuations.

This house positions itself as an attractive option for families looking for a spacious property at a competitive price, due to its features (5 bedrooms, garden of 1,664 m²) and its price below the market median.

For a purchase price of €327,000, notary fees are estimated between 7% and 8%, or approximately €22,890 to €26,160 (estimate based on current professional scales). The total acquisition cost would therefore be between €349,890 and €353,160.

Considering an average interest rate of 3.4% over 20 years with a down payment of 10% (€32,700), the amount borrowed would be €294,300. The monthly payments would be around €1,700 (calculated from current interest rates and loan conditions).

If this house were rented, with an estimated rent of €1,500 per month, the gross rental yield would be 5.5% (calculated from the annual rent divided by the purchase price). After deducting charges (estimated at 20%), the net yield would be around 4.4%.

Annual charges (property tax, maintenance, insurance) are estimated at around €2,000 (estimate based on sector averages).

The house has a DPE rated D, with an energy consumption of 231 kWh/m²/year. This indicates an average level of energy performance.

The estimated annual energy cost is around €1,200 (calculated based on consumption and the average energy price).

According to the Climate & Resilience law, properties rated F or G can no longer be rented starting in 2025. This house, rated D, is not affected by this ban.

To improve the DPE class to C, renovation work is estimated between €15,000 and €25,000 (estimate based on current professional scales).

Aids such as MaPrimeRénov' and Energy Savings Certificates (CEE) can be mobilized to finance renovation work, with amounts varying between €3,000 and €10,000 depending on eligibility criteria.

The neighborhood is served by regular bus lines, and the nearest train station is about 10 minutes by car, offering connections to Valence and Lyon.

Nearby, there are local shops, schools (primary school and middle school), and health services, promoting a pleasant living environment for families.

The population of Vernoux-en-Vivarais is about 1,500 inhabitants, with a median income per household estimated at €25,000 per year (source: INSEE, consulted in 2023).

The neighborhood is known for its tranquility, green spaces, and family-friendly atmosphere, with a low crime rate.

Local development projects are underway, aimed at improving infrastructure and public services, which could enhance property values in the coming years.

The region is classified as low risk for flooding, according to Géorisques data. No other significant natural constraints are to be reported.

The Local Urban Planning (PLU) of Vernoux-en-Vivarais allows for individual constructions but imposes environmentally friendly construction standards.

Mandatory diagnostics (DPE, lead, electricity) must be provided during the sale. The seller must ensure that all diagnostics are up to date.

The buyer has a right of withdrawal of 10 days after signing the sales agreement, in accordance with current regulations (Consumer Code, article L271-1).

Compared to other 5 to 6 room houses in the area, this house is positioned below the median, offering good value for money. Similar houses sell for between €350,000 and €400,000.

Features such as the spacious garden and two garages add value, while the DPE rated D may be a negotiation factor.

A negotiation margin of 5 to 10% is feasible, considering the time on the market and the property's features.