property
Paris Shared Equity Scheme 2026: First-Time Buyer Guide
Eligible Paris buyers under 35 can own 25-40% of their first home via the city's new shared equity pilot. Learn application requirements, eligible neighbourhoods and income limits.
How we reported this
Paris buyers under 35 with household incomes below 55,000 euros a year can now apply for the shared equity pilot that opened for submissions on 1 July 2026.
Prices across the city average 10,000 euros per square metre, with the central arrondissements from the 1st to the 8th still commanding the highest rates while stock in the 9th, 10th and 11th has climbed 12 per cent since the start of the year. The scheme aims to keep younger households from being priced out as the Grand Paris Express stations open in outer districts.
Applicants must target properties in designated zones that include the 11th arrondissement around Rue Oberkampf and the emerging neighbourhoods of Saint-Ouen linked by the new metro line 14 extension. The city agency Paris Habitat administers the program in partnership with the regional housing authority.
Official data released last month showed that first-time buyers accounted for only 18 per cent of transactions in Paris proper during the first half of 2026, down from 27 per cent in 2023. Average prices in the 9th arrondissement reached 8,900 euros per square metre in June, according to notarial records.
Step one: confirm eligibility and pre-approval
Prospective buyers must first obtain a certificate from the Direction de l’Habitat at the Hôtel de Ville confirming income limits and French tax residency. The certificate must be submitted with bank statements covering the past six months.
Step two: select a property and complete valuation
Approved buyers then identify a home within the scheme’s postcode list. An independent valuer appointed by Paris Habitat inspects the property and sets the purchase price, after which the buyer pays their equity share and the city covers the remainder under a 10-year co-ownership agreement.
Once contracts are signed at the notary office, buyers pay monthly management fees capped at 120 euros and must occupy the property as their primary residence. After five years they can buy out the city’s share at the original valuation plus inflation, or sell and split proceeds according to ownership percentages. Applications close on 30 September 2026 and can be lodged online through the Paris Habitat portal or in person at the 11th arrondissement town hall.
This article is general information only and is not personal financial or investment advice. Consider your own circumstances and seek licensed professional advice before making financial decisions.