France has absolutely everything anyone could want: a fabulous climate, dramatic landscapes with incredible contrasts, affordable property, accessible healthcare and arguably some of the best cuisine and wine in the world.
France is a popular expat destination for professionals, families and retirees alike. Europeans are especially fond of France when it comes to retirement or semi-retirement.
In part, the appeal of living in France comes from the nation’s accessibility from the other parts of Europe, and in part, because while geographically close, France is uniquely different from any European country in almost every way.
The pros and cons of living in France
So is France really the best place to live abroad at the moment?
It certainly has a great deal in its favour. However, there are certain downsides to this stunning country. It’s worth knowing the cons as well as pros before you make a firm commitment to relocate across the Channel for a new life in France.
On the plus side
France is probably the easiest destination for Europeans when it comes to travelling. France shares land borders with 8 different countries, and for the others, a trip to France is just a short hop on the aeroplane or a bit longer journey by train.
There are multiple flights from all over the world as the country is one of the major tourist destinations globally.
Once in mainland France, the exceptional road network means it’s easy to get to your destination of choice. The further south you go, the more likely you are to experience excellent summer weather.
France offers such diversity in terms of landscape and climate that you can find a place to holiday no matter what you want to do and see, and no matter when you want to go.
You can mountaineer in the Alps of Auvergne-Rhône-Alpes and experience snow and ice even in summer. Alternatively, you can head to the Med and be soaking up the sun in the French Riviera while northern Europe suffers under heavy grey skies.
In winter, France has some of the best snow-sports resorts in the whole of Europe.
No matter when you travel to France you can soak up the exceptionally rich cultural heritage and history and immerse yourself in all the best bits of this nation.
There is everything for everyone living in France: lovely beaches and resorts for seaside retirement, stunning mountains and valleys for hikers, an ideal climate for devoted gardeners – all you need for an active and healthy life in retirement.
Add to this fine cuisine and great wine in abundance, is it not a dream lifestyle?
4. Reasonably populated
France is a big country and does not exactly suffer from overcrowding issues.
This is one reason why rural properties have remained reasonably priced in many areas.
5. Affordable property can be found
Cheaper properties mean you can fulfil your desire to own a home if you move to France.
If you love a bit more space and are prepared to go rural, there are some bargains to be had when it comes to buying a house in France. You can buy an old house in need of renovation for about €55,000 (£50,000) or less, and turn it into your perfect pad in the sun.
On the downside:
1. The cost of living in France
On average, France is not the cheapest country in Europe.
Compared to Portugal, Cyprus or Spain, France is not the best value-for-money retirement destination. However, its distinct lifestyle offsets the relatively high cost of living and it’s exactly why France is one of the best countries to retire abroad.
Besides, if you are after a quiet retirement in a rural area, you will find that both renting and buying a property in France will cost you much less than in North America, northern Europe or the UK, and day-to-day living expenses will be a pleasant surprise.
Away from the coast is also cheaper. For example, you will find that your cost of living in the Dordogne will be lower than in your home country, while the quality of life will be much higher. Go even further inland to Burgundy, and you will find a very affordable and greatly enjoyable lifestyle for retirement.
The best things in France, such as the weather and nature, come free anyway.
2. Dealing with bureaucracy
Paperwork can get a little complicated in France and the bureaucracy is sometimes overly complex.
However, it’s mostly the settling down period that is affected. It’s naturally overwhelming when you have to do everything at once: getting residency, sorting out accommodation, registering with a doctor, connecting utilities, buying a car, etc. And all this is done in a foreign language.
This very naturally takes us to the next issue:
3. Learning the language
To have the broadest life experience while living in France you do need to learn the language.
As difficult as it might seem, learning French will make everything easier for you. If you are anywhere in France for more than a few weeks, it will really help if you can learn a bit more than your basic school French. There are various tips all over the web on how to learn French, so be brave and determined and you will succeed.
Once you have mastered some key phrases and learned to pronounce them properly, it will be enough to get you through day-to-day situations. Then you will see what an advantage it is to be able to speak a local language – and further learning will be more enjoyable.
Moving to France: tips for expats
When it comes to actually taking the plunge and moving to France, you definitely need to prepare yourself for a change of pace. Life in France is slow, and the French bureaucracy system is even slower.
1. Even if you aren’t planning on working, basic things like getting a bank account in France, setting up a phone line and internet connection can take time. Here are our top tips to make the move as easy as possible.
2. Get a mobile phone contract that will allow you to make calls and browse online before you go. This way, you can contact the workman you need to install your phone line.
3. Ensure you have transport. Public transport between the smaller villages is basically non-existent. It’s trains only between major towns, and buses aren’t great. You’ll need your own transportation from day one.
4. Learn French. You can get away with mainly speaking English in the big touristy towns, but people in the south of France are reluctant to speak English.
5. Research real estate. Down by the coast, property tends to be pricier. It’s worth checking your budget in multiple areas before you move.
6. Buy a printer. The French haven’t fully moved over to the digital way of life, so many forms will need to be printed, filled out, and posted. You’ll find it much easier if you can print whenever you need it rather than going to a local library.
7. Start doing nothing at lunch. Most of France shuts down in the middle of the day. Particularly in the summer heat. As soon as you move, you’ll need to be ready to run errands first thing in the morning as you won’t be able to do it at lunch.
8. Get your visa before you go. Unless you are coming from an EU country, you’ll need to sort your visa before moving. You’ll find this government website can help.
Residency in France for non-EU nationals
As a non-EU citizen, you have to apply for a residency permit to live in France.
Depending on your home country’s agreement with France you might be able to enter the country without a visa – check the French consulate site for this.
UK citizens can stay in France for up to 90 days in a 180-day period without any kind of visa. After this, however, you will need to apply for a short-stay visa if your trip is less than 12 months, and a long-stay visa if it’s up to three years.
Retiring to France from a non-EU country – visa and residency
Anyone planning on retiring to France from a non-EU country such as the UK or the USA will need to apply for a long-stay visa. It covers any trips longer than 90 days in a 180-day period and is linked to work or personal reasons.
You’ll need plenty of supporting evidence for your visa application, particularly if you want to become a permanent resident.
France has several different kinds of long-stay visa.
According to the government’s advice, those who are officially retiring to France will need a visitor visa. This type means you formally agree not to engage in any form of paid work while living in France.
However, those planning “halfway retirement”, such as setting up a B&B or other small business, will still need a working visa. You’ll need to supply plenty of information about the financial viability of your proposed business, and there’s a greater chance of rejection.
You must apply for a visa in your home country before moving to France, as you won’t be allowed in the country for more than 90 days without one. A long-stay visa lasts between 90 days and a year.
Steps to take to obtain French residency:
- apply for a 1-year long-stay visa
- apply for a temporary and/or multi-year Carte de Séjour (residency card) when in France
- after five years of residence in France – a Carte de résident permanent (permanent residency card).
If you’re planning to retire to France permanently, you’ll need to apply for a carte de séjour at your local préfecture. This process is much like the visa application and will require much of the same information about your living and financial situation.
Providing your application is successful, your first carte de séjour will last 5 years, after which you’ll need to apply for another one.
The process is currently all done on paper (France is famous for its bureaucratic processes), but the French government plans to move it online in the near future.
As mentioned, this process is carried out at your local préfecture, an administrative office belonging to the Ministry of the Interior, which is in charge of things like identity cards, driving licenses, passports, residency and work permits for foreigners, etc.
Each of the 101 departments in France has one, and it is the place to go to manage everything from establishing your residency to registering your driving licence.
While requirements and standards should be universal across France for registering your presence, subtle differences in interpretations of the rules are present. Approach your local préfecture with an open mind, and ask for details of what you need to do to legitimise your presence in France.
If all of this sounds a bit confusing and long-winded, you’re not alone in your opinion. Luckily there are companies that offer ‘relocation services”. These are firms, based in France, that specialise in helping residents of other countries with the application process.
While it might seem like an extra cost, the price is more than justified in the amount of time and stress it will save you, particularly if you’re organising moving house alongside.
Alternative ways to residency in France
France currently offers two different business investor visa programmes. The first is the business investor talent passport, which requires an investment of €300,000 in French business. The other, the French residency programme, is aimed at high net-worth individuals and requires an investment of €10 million in French business.
French residency programme
The golden residency programme is aimed at those with significant business investment interests in France. By investing €10 million in either industrial or commercial assets, you gain a 10-year residency permit for you and your immediate family.
This entitles you to all the benefits that come with French residency status: access to healthcare, social welfare (not that you’d probably need it!), and visa-free travel within the EU. What’s more, the application process only takes two months.
France business investor talent programme
Perhaps the more realistic option is the business investor talent passport. This is a sub-group of the long-stay visa, meaning you still have to go through the same initial process as everyone else.
However, as part of the process, you make a direct investment of €300,000 in French business and commit to either protecting or creating jobs across a four-year period. You will then be able to gain a four-year residency permit that’s renewable based on reassessment.
This permit then grants you access to residency status. However, unlike the golden program, it doesn’t cover your immediate family. Instead, they will have to apply for a family residence permit alongside your application.
Whichever you choose, a business investor visa certainly speeds up the process. The easier of the two options is the golden residency permit, but if you don’t have that kind of capital, the business investor talent passport will still grant you much quicker access than the standard application process.
How much money do I need to retire to France?
Officially, to qualify for a long-stay visa, your monthly income should be equivalent to the ‘SMIC’ (minimum wage in France). From 1 January 2020, the minimum wage in France for an adult aged over 23 years is €1539.42 per month (gross), which equates to around €1218.60 per month Net, after income tax and social contributions.
This represents an annual gross salary of €18,473 which is €1231 net per month. However, in reality, it’s not that straightforward.
Decisions are taken on a case-by-case basis and several other factors are considered. These include your savings and whether you rent or own your property.
In short, the préfecture to which you’re applying for residency will take your overall financial picture into account when working on your application. To make this process easier, you should provide as much financial information as possible.
But this is only the amount of money you need to successfully apply for residency. When it comes to how much money you actually need, there are other factors to consider.
For example, renting or owning property is going to be the biggest expenditure. In the long run, buying a property will of course be cheaper, but you may want to try renting first to see whether an area is right for you.
A couple in retirement that needs a one-bedroom apartment can expect to pay anywhere up to €1,200 a month depending on where they settle down.
Then, of course, is your choice of lifestyle. The more you plan on eating out and taking part in social activities, the more money you will need. For a retired couple wanting a good social life without any money worries, you’ll probably need a monthly income of around €2,000.
Enjoying a low tax pension living in France
In France, there is theoretically the option of taking your entire pension out in one lump sum and only paying a 7.5 percent tax on it. For those for whom an entire pension withdrawal will mean they are pushed into the highest tax bracket, this makes incredible sense.
In France, lump sums from pensions are not taxed at marginal rates, but are only subject to a 7.5 percent income tax charge, no matter how big the withdrawal is. You can find more information on this in our Expat Guide To UK Pensions Abroad.
To qualify you would have to establish tax residency in France before taking your lump sum, and you would have to take expert advice to ensure your understanding of the rules and that they apply in your case.
Making the right financial decisions as an expat is critical for success in a new country. However, there are so many different options to take, that it’s easy to make mistakes and miss out on “local” knowledge.
To understand your options and find the optimal financial solution, talk to our financial expert Jason Swan.
Where to live in France
Do you have an exact location in mind? Do you know it well enough to be confident it will make the perfect home for you? Research is key to your successful relocation.
If you’re considering this great and beautiful land as a place to call home, here is a review of the most popular regions among expats.
Surely Burgundy is all about the food and the wine, right?
If you’re living in Burgundy, you’re within reach of the finest vineyards in the world, a stone’s throw away from the best Charolais beef cattle, and you are in fruit growing country where cheese and honey, chicken, and of course Dijon mustard are all produced in vast quantities and at fantastic quality.
Is Burgundy a good place to retire to? Yes. Burgundy is all about living the good life in France. The quality of life in this region is exceptional, and it’s the best place to be if you’re a true foodie and are really into fine wining and dining!
Possibly the most beautiful region in France, the Loire Valley is, of course, famous for its fabulous chateaux and its fascinating history.
This is a great part of France to live in if you want to feel the majesty of the nation and enjoy the dramatic backdrop of almost fairy-tale castles and the mighty river Loire.
The Loire Valley is also blessed with handsome rolling countryside, pretty limestone villages and of course fabulous weather – making it expats’ favourite paradise in France.
Alsace is quite possibly one of the most interesting regions in France because it boasts the best of Germany whilst still being French.
What’s more, Alsace is little explored by tourists.
In Alsace, you have everything – castles and mountains, plains and forests, rivers and a fabulous city called Strasbourg.
You have the best French and German cuisine, fabulously robust wines and a great continental climate all rolled into a package that also includes half-timbered houses, summer festivals, open and friendly people and good quality affordable living.
Well, what good would a guide to living in France be without a mention of Provence? This region is quite possibly the embodiment of all our hopes and dreams of a perfect life in France!
It’s beautiful, it’s cultured, it’s romantic, and it’s got the best food in France (yes, actually, in our book it even beats Burgundy because of the olive oil and the fresh fruit and veg!).
It’s got the Mediterranean for goodness sake and it also has Saint Tropez. Who could want for more?
The way of life in Provence is what you make of it – you can embrace the glamour of the Saint Tropez set and live a fast-paced, glitzy life (if you have the money!) or you can take a more laid-back approach and embrace the Mediterranean way of life, where you enjoy the finer pleasures in lazy moderation.
And then there’s, of course, Paris. This city can offer you a lot in terms of lifestyle and opportunities as long as you embrace its quirks and peculiarities. Read our Living In Paris guide to understand what life in the French capital is like.
For those who want to narrow down the choice to exact locations, our Best Places to Live in France guide will make an excellent starting point.
Where is the cheapest place to retire in France?
Currently, the cheapest place to live in France is tied between Franche-Comté and Limousin.
Both areas are quite sparsely populated comparatively, and you can pick up an inexpensive renovation project for as little as €20,000. Depending on the type and condition of the property, the price per square metre is roughly €1,300.
Of course, much of this decision will depend on the kind of lifestyle you’re looking for.
While these areas might be inexpensive when it comes to property, you might have to sacrifice the opportunity for extensive social life. After all, many smaller villages won’t have the same number of bars and restaurants as larger towns.
Similarly, an inexpensive renovation project might not be the kind of retirement you’re after. However, Limousin and Franche-Comté also offer affordable properties that are already liveable.
It’s always worth balancing the physical cost of living against other expenses, such as having a social life. Buying a cheap property is only worth so much if expensive living costs and large petrol bills cancel it out because you live in a remote village.
Property in France: rent or buy?
Buying property in France is a straightforward process. However, the process is not cheap, therefore it’s a good idea to rent property in retirement in France before committing to a purchase.
France is such a vast country of stunning contrasts, offering a great choice of lifestyle, scenery, climate and even the cost of living, so it makes immense sense to rent a property in France before committing to buying a home.
This is because there is so much choice, you don’t want to buy the first home you see in the first town or region, and later decide you prefer an entirely different area of France.
There are no surprises in terms of the renting process: it’s normal to produce vetting documentation, such as proof of earnings (or pension income), previous address details and a reference, especially if you’re already in rented accommodation.
What’s more, it’s standard to pay a security deposit as well as one month’s rent in advance. Your tenancy agreement is called a bail or “contrat de location“.
The main difference Britons will note is that the minimum duration for a tenancy is three years for an unfurnished home and a year for a furnished property.
Agreements for only a year for an unfurnished home can be established in some circumstances. It is really important to know what you’re signing up for, to discuss it in advance with your landlord, and understand under what criteria you can break the contract if you decide to move on or buy your own home.
If you want to buy a property in France, the process is relatively straightforward; although it is said that if you have a basic knowledge of French, you’re in a more vulnerable position than if you have no French at all.
- Renting A Property In France – all you need to know about a rental process in France and how to protect your rights as a tenant;
- A Complete Guide To Buying A Property In France – a step-by-step guide to purchasing a property in France, legalities, due diligence, paperwork, legal protection, representation, etc.
Second homeowners in France after Brexit
Those who own a second home in France are still restricted by new Brexit legislation. After Brexit, second homeowners can only spend a maximum of 90 days out of every 180 in France without a visa. Trips longer than 90 days will require at least a visitor visa.
Many who own a second home in France aren’t necessarily looking for permanent residence. It’s fairly common to spend summer in France and winter in the UK, or vice versa.
However, now that the UK is no longer in the EU, the process for longer stays is the same regardless of whether you want to remain in France permanently, or just longer than 3 months.
Bear in mind, that the current visa-free travel is for 90 days in every 180. This means that you can spend 6 months of every year in France, but only in 3-month blocks separated by 3 months in the UK. If you plan on any other kind of stay, you need a visa.
Providing you just want to stay in your second home for longer than 3 months at a time, you’ll likely just need a visitor/tourist visa. These are arguably the easiest to gain, as you don’t need to provide as much information.
But if you plan on moving to France permanently, you’ll need to begin the full process of residency application, as explained above.
Breaking these rules does have consequences, though. If you outstay your visa-free period, you’ll at the very least be fined. However, you could also be deported, and repeated violations will result in a temporary or permanent ban from the country.
It’s worth noting that, while travel might have changed, property rights have not. This means that UK-based French homeowners still have full rights to their property, even second homes, and there won’t be any reason to sell based on changes to the law after Brexit.
For other post-Brexit changes read our guide Expat Financial Questions Answered By A Professional Wealth Manager – FAQs about moving to Europe after Brexit: your tax obligations, currency concerns, pension options, will, estate planning, savings and investments, and, more.
Also, from the end of 2022, all trips to the EU will require travel authorisation. Known as the European Travel Information and Authorization System (ETIAS), this new law will cover short-term trips that don’t require a visa. This means that any time you want to visit your second home, even for trips less than 90 days, you’ll first need travel authorisation.
French taxes for expats living in France
When you move permanently to France, you become a French tax resident. It means your worldwide income has to be declared in France and is potentially taxable in France.
In other words, whether you receive a state pension, a private-sector pension or an annuity, it is all taxable in France.
You will have to declare your gross income on your French income tax return.
Income tax in France is charged on a progressive scale. As a retiree in France, you can avoid the payment of social security contributions on your pension.
Banking and bank accounts in France
It’s possible to open a French bank account even before you become a resident in France, although it’s definitely easier to do so once you have established residency.
If you open an account pre-residency then you will have less choice of banks willing to accommodate you, and you will have to abide by tougher criteria, such as minimum account balance.
So, if you need a French bank account before you move, look for French banks which offer non-resident accounts (compte non-resident).
When opening a resident bank account, make sure you know the charges.
It is becoming more common for French banks to charge for accounts, and certainly to charge for various types of services and transactions. Ask about the charges you will incur on a current account with debit card access in advance before opening an account.
Healthcare in France
The healthcare environment in France is world-class. It is funded by social contributions and co-payment at the point of contact.
The healthcare system (l’Assurance Maladie) is primarily funded via the health insurance scheme Protection Universelle Maladie (PUMA).
PUMA grants an automatic and continuous right to healthcare in France to all legal residents in the country.
Joining PUMA is almost unavoidable when you become a resident in France.
Britons of retirement age in receipt of the state pension can access healthcare in France at a very low cost. If you are eligible for the UK-issued S1 form, you will join PUMA for no charge purely for an administrative reason.
Another option is to take out private health insurance. Joining PUMA in these circumstances can be a bit complicated, as there’s a failure point in the existing French law.
According to the law, any legal resident can join PUMA after 3 months of living in France, however, it is 5 years for early retirees.
- Healthcare In France For Expats – how to access the French healthcare system, registering your S1 form, other options, private health insurance in France and many more.
Many expats opt for international health insurance. To make sure you get the best value for money, compare international health insurance options from various providers to find the best deal.
Getting connected in France
Telephone, mobile, internet and TV are all vital ingredients of the modern lifestyle.
In France, there are a few big companies providing phone and internet services. The biggest are Orange (formerly France Telecom), Bouygues Telecom, Free Mobile and SFR.
If you want, you can get all four services (landline, internet, mobile plan, and TV) from one provider, which makes managing those services easier.
It also makes sense to have a look at Free. The company offers fixed, mobile and Internet services with low rates for international calls.
When getting your landline, you will need to provide the following:
- Your ID;
- Proof of address: a recent electricity bill, a tax bill or a rental contract.
If broadband is very important for you, make sure you run a remote test before you sign up for any offers. buy. You can use Degroup Test site for testing.
Final thoughts on living in France
Moving abroad is a big step. Moving to France might seem easy though, as it is just a short journey across the channel. But France can be a tough country to crack. If you plan well, you will get it right and you can live the dream.
You might find useful:
- The Best Places to Live in France – a detailed overview of France’s most popular locations for expats;
- The Expat Guide To UK Pensions Abroad – understand what options you have regarding your UK pensions, what happens to your state pension and what you need to do to continue receiving your pension income without interruption when you move abroad.
- Ten Reasons To Retire To France – discover why France is such a popular expat retirement destination.
- The Essential Guide To Cost-Effective International Removals – read about international removals options and how you can keep your costs down while getting a quality service.
- Didn’t find what you were looking for or need further advice? Comment with your question below and we will do our best to help.