The Lyon market and its financing
Buying in the West of Lyon: what your budget buys, commune by commune
Écully, Francheville, Craponne, Dardilly, Limonest and more: how to read completed-sale prices, and how to move from monthly instalment to floor area.
In the West of Lyon, a budget is built in a specific order: the monthly instalment that the lender will accept, then the amount it will finance, and then the floor area that this amount buys at the median of the target commune. This median is read from completed sales, by type of property and with its sample size. The documented communes all fall within Zone A, and council tax, service charges and mobility weigh as heavily as the price.
By Sandy MASCART, mandataire d'intermédiaire en opérations de banque et en services de paiement ORIAS 26000541 sous le mandat de CDV PATRIMOINE & ASSURANCE (ORIAS 14005573)
Key points
- A budget is built in a specific order: the acceptable monthly instalment, then the financeable amount, and then the floor area at the median of the commune.
- The documented communes all fall within the same zone of the regulatory zoning: it allows no arbitrage between them.
- A median is read with its sample size of sales and by type of property: without these benchmarks, it is merely an opinion.
- Within the same commune, the station, the slope, the period of construction and the energy performance cause the price to vary.
- Council tax, service charges and mobility differ from one commune to another and weigh as heavily as the purchase price.
In the West of Lyon, the price per square metre is to be read in the completed sales, commune by commune, with their respective volumes. Read these medians for nine communes, then move from your monthly instalment to a floor area. The context: the Lyon market and its figures; for Lyon itself, prices by arrondissement.
Where to read the price per square metre of each commune in the West of Lyon?
In the DGFiP land value requests, by commune and by type of property. The median derived from them is a reference point, not an official figure.
- Median, never mean.
- Apartments and houses separated.
- With the volume: a few sales do not make a price.
- Completed sales, not property listings.
Tassin-la-Demi-Lune and Sainte-Foy-lès-Lyon
| Reference value | What to know before reading it |
|---|---|
| Median price per m² — sold apartments, Tassin-la-Demi-Lune | Calculation based on 2025 DVF data: median of apartment sales in the calendar year 2025, and not a price recorded on the day of reading. |
| Median price per m² — sold houses, Tassin-la-Demi-Lune | Volume significantly lower than that of apartments: the value is shown here, in the overall reference, and is not intended to support a purchase decision on its own. |
| Median price per m² — sold apartments, Sainte-Foy-lès-Lyon | Calculation based on 2025 DVF data: median of apartment sales in the calendar year 2025. |
| Median price per m² — sold houses, Sainte-Foy-lès-Lyon | Calculation based on 2025 DVF data: median of house sales in the calendar year 2025. |
The thickest apartment market in the area: a price difference is negotiated there on facts.
Ecully, Francheville, Craponne
| Reference value | What you need to know before reading it |
|---|---|
| Median price per m² — flats sold, Ecully | Calculation based on 2025 DVF data: median of flat sales for the calendar year 2025. |
| Median price per m² — houses sold, Ecully | Sample size close to the threshold below which I consider that a median cannot support a page on its own. Read in conjunction with the number of sales. |
| Median price per m² — flats sold, Francheville | Calculation based on 2025 DVF data: median of flat sales for the calendar year 2025. |
| Median price per m² — houses sold, Francheville | Calculation based on 2025 DVF data: median of house sales for the calendar year 2025. |
| Median price per m² — flats sold, Craponne | Calculation based on 2025 DVF data: median of flat sales for the calendar year 2025. |
| Median price per m² — houses sold, Craponne | Calculation based on 2025 DVF data: median of house sales for the calendar year 2025. |
The specificities of Francheville: the Francheville page.
Saint-Didier-au-Mont-d'Or, Charbonnières-les-Bains, Dardilly, Limonest
| Reference value | What you need to know before reading it |
|---|---|
| Median price per m² — flats sold, Saint-Didier-au-Mont-d'Or | Calculation based on 2025 DVF data: median of flat sales for the calendar year 2025. |
| Median price per m² — houses sold, Saint-Didier-au-Mont-d'Or | Small sample size. The value is included in the reference for completeness, but it is not sufficient to frame a budget. |
| Median price per m² — flats sold, Charbonnières-les-Bains | The municipality where my professional address is located. The number of flats there is modest: I say so all the more willingly as it is the municipality I know best. |
| Median price per m² — houses sold, Charbonnières-les-Bains | Small sample size. For this type of property and this municipality, the dispersion of prices matters more than the median. |
| Median price per m² — flats sold, Dardilly | Sample size below the threshold I set for publishing a dedicated page on this type of property. |
| Median price per m² — houses sold, Dardilly | Calculation based on 2025 DVF data: median of house sales for the calendar year 2025. |
| Median price per m² — flats sold, Limonest | Small sample size for both types of properties: this is the reason why Limonest appears in this overall reference and nowhere else on the site. |
| Median price per m² — houses sold, Limonest | Small sample size. To be reviewed at the next DVF vintage. |
Few sales: read the sample size before the median
A median derived from a few sales is an anecdote. Without reliable data, there is no page: these communes remain in this overall table.
Does the zoning for the zero-interest loan change anything between these communes?
No: the nine communes are all in Zone A. Zoning only matters when leaving the agglomeration.
Zonage ABC de l’article D. 304-1 CCH ; liste des communes fixée en annexe I de l’arrêté du 1er août 2014
C'est le zonage qui commande les plafonds de ressources, les quotités et les tranches du prêt à taux zéro. Il ne dit rien du prix des biens.
- En vigueur depuis le
- Source
- Légifrance
- Arrêté applicable Arrêté du 23 juin 2026 modifiant l’arrêté du 1er août 2014 pris en application de l’article D. 304-1 du CCH
- Numéro NOR VLOL2614851A
- Publication au Journal officiel JORF n°0147 du 25 juin 2026, texte n°49
- Entrée en vigueur 2026-06-26
- Fichier officiel du zonage https://www.ecologie.gouv.fr/sites/default/files/documents/Liste_ensemble_communes_Zonage_ABC_en_vigueur_26_juin_2026.xlsx
Version applicable au jour de lecture de cette page. Une révision de zonage se traduit par un arrêté publié au Journal officiel, et par une date d'application précise.
- En vigueur depuis le
- Source
- Légifrance
La révision s’applique aux OFFRES DE PRÊT ÉMISES à compter de la date fixée par l’arrêté, et non à la date de demande ni à la date de signature de l’acte. Cas particulier PSLA : les zones s’apprécient à la date de signature du contrat de location-accession (D. 31-10-2-1, 2°).
La règle porte sur la date d'émission de l'offre de prêt, pas sur la date de la demande ni sur celle de la signature du compromis. C'est l'erreur de calendrier la plus fréquente sur les dossiers à cheval sur une révision.
- En vigueur depuis le
- Source
- Légifrance
| Commune | Official geographical code | ABC zoning area |
|---|---|---|
| Charbonnières-les-Bains | 69044 | A |
| Craponne | 69069 | A |
| Dardilly | 69072 | A |
| Écully | 69081 | A |
| Francheville | 69089 | A |
| Limonest | 69116 | A |
| Saint-Didier-au-Mont-d'Or | 69194 | A |
| Sainte-Foy-lès-Lyon | 69202 | A |
| Tassin-la-Demi-Lune | 69244 | A |
Outside Zone A: the zero-interest loan in older housing around Lyon and the Vallons du Lyonnais.
With your budget, what can you buy in the west rather than in the city?
Three steps: the instalment the lender accepts, the amount it finances, and then the floor area that amount purchases at the median.
35,00 % ()La maturité additionne la période de différé et la période d'amortissement. C'est elle, et non le taux, qui plafonne le plus souvent une opération dans l'Ouest lyonnais, où les surfaces achetées sont plus grandes.
- En vigueur depuis le
- Source
- Décision D-HCSF-2021-7, art. 1er — Légifrance
Start from the budget, not the property. The instalment formula, the budget for a first-time purchase.
The costs that vary from one municipality to another
- Council tax: ask the seller for their advice.
- Service charges: the last three calls for funds and the latest minutes.
- Mobility: a car loan weighs on the debt-to-income ratio (what the lender looks at).
What causes the price to vary within the same municipality?
Transport links, the slope, the period of construction and the energy performance. They often weigh more than the difference between two municipalities.
A poorly rated property requires works: financing an energy inefficient property.
House or flat: what does the bank look at differently?
A house costs more, requires self-maintenance and demands a longer term. It is almost always the term that limits it.
Attach the quote for the works when you submit your application. Few house sales? Ask the notary for three to five comparable sales. The documents: what the bank reads about a house.
How to use a median without making a mistake?
To situate an asking price, frame a budget, support a negotiation. Not to estimate your property.
Selling before buying? The bridge loan in the West of Lyon. Are you hesitating between the fifth or the ninth arrondissement? The trade-off at equal instalment.
Ready to visit? Create your file or have your instalment assessed by telephone.
Sources
Read next
- Mortgage in Lyon: one file, several banks
- Mortgage in Tassin-la-Demi-Lune: What changes for your application Are you looking for a mortgage intermediary in Tassin-la-Demi-Lune? Zero-interest loan in Zone A, transfer duties, council tax, flood risk.
- Buying in Villeurbanne or the West of Lyon: how to structure your financing? A flat in Villeurbanne, a house in west Lyon: what the lender examines on the property, the costs to anticipate and the order of procedures.
- Bridge loan in the western Lyon area: calculating the right term to request No sale period is published by municipality: the method to estimate yours in the western Lyon area, and to deduce a sustainable bridge loan term.
- Mortgage in Écully: how the municipality affects your financing Are you looking for a mortgage intermediary in Écully? Zero-interest loan in Zone A, purchase costs, council tax, rents in a tight market, risks.
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