top of page
Search

How to buy an apartment in Lyon as an Expat?


If you’ve fallen in love with Lyon’s café culture, riverside views, and world-famous gastronomy, you’re not alone. Lyon is increasingly popular among expats who want a vibrant yet livable French city with great career opportunities, international schools, and easy access to Paris and the Alps.


Buying an apartment in Lyon is not only possible for foreigners — it’s also a smart long-term investment. In this complete guide, you’ll learn everything you need to know: the costs, legal steps, financing, and best neighborhoods for expats moving to Lyon.



Can expats buy property in France?


ree

Yes, absolutely! Foreigners (EU and non-EU alike) can buy real estate in France without restriction. You don’t need to be a resident, although it’s often easier to open a French bank account and work with a local notary (notaire) early in the process.

French property law is highly regulated and transparent, which protects both buyer and seller.



How much does it cost to buy a house or apartment in France?


When budgeting for your property in Lyon, don’t forget the extra fees beyond the sale price. Here’s what to expect:

Cost Type

Estimated Amount

Details

Notary Fees

7–8% of purchase price

Covers legal registration, taxes, and admin

Realtor Fees

3–5% of sale price

Usually included, but verify with the agent

Property Taxes

Varies

Annual taxe foncière and possibly IFI for high-value assets

Insurance

Required

Home insurance is mandatory before the final sale

💡 Example: For an apartment priced at €300,000 in Lyon, expect an additional €25,000–€35,000 in fees and taxes.


Financing your property as an Expat


Foreign buyers can apply for a French mortgage, though banks typically require a 20–30% down payment for non-residents.


To apply, you’ll need:

  • Proof of stable income or employment

  • Bank statements and tax returns

  • Valid ID or residence permit

  • Property details and signed offer


💡 Pro tip: Work with a mortgage broker who specializes in expat clients. They know which French banks are most open to international buyers and can speed up the process.



Step-by-Step: How to buy an apartment in Lyon


  1. Start your property search Use sites like SeLoger, Le Bon Coin, Green-Acres, or contact a bilingual agent immobilier in Lyon (we can help!)

  2. Make an offer (offre d’achat) Once accepted, the property is reserved for you.

  3. Sign the preliminary contract (compromis de vente)This legally binds the sale but gives you a 10-day cooling-off period.

  4. Get financing approvedYour bank or broker finalizes the mortgage.

  5. Sign the final deed (acte de vente)Congratulations — you’re officially a French property owner!


The best neighborhoods in lyon for Expats


Each part of Lyon has its own personality. Here are the favorites among expats and international professionals:


Presqu’île

The elegant heart of Lyon, full of history, boutiques, and river views. Ideal for professionals and investors.


Croix-Rousse

Hilly, artistic, and bohemian — think markets, ateliers, and charm. Great for creative expats.


Monplaisir

Calm, residential, and family-friendly with good schools and markets.


Part-Dieu

Lyon’s business and transport hub — perfect for young professionals.


Villeurbanne

Affordable, diverse, and growing fast — excellent for first-time buyers.


Are you thinking about buying an apartment in Lyon? Book a free discovery call!


See you around,


The Sojoourn Team

 
 
 

Comments

bottom of page