A zone does not establish eligibility. PTZ supports qualifying main-home purchases subject to programme and income conditions; a foreign buyer’s holiday home does not qualify merely because it is in zone A. Rental tax schemes require a separate check.
Is the zone enough to include an incentive in your budget?
The zone helps identify the scheme’s applicable parameters. Before including an incentive in your purchase budget, also check the intended use, buyer’s circumstances, income, property type and transaction date. The outcome should be a scheme-specific calculation for the address, confirmed by the bank or tax adviser.
The A bis, A, B1, B2 and C classification groups municipalities by housing-market pressure. The ministry identifies a revision by order of 23 June 2026 and a consolidated list effective from 26 June. Programmes use the zones to determine eligibility parameters and ceilings.
For a purchase, use the list in force on the relevant transaction date. The ministry’s page also retains earlier revisions; check the applicable table to establish the current classification of a particular address.
Six verified municipalities
| Municipality | Zone in the list effective 26 June 2026 |
|---|---|
| Antibes | A |
| Cagnes-sur-Mer | A |
| Cannes | A |
| Menton | A |
| Nice | A |
| Roquebrune-Cap-Martin | A bis |
Source: housing ministry spreadsheet “Liste ensemble des communes — Zonage ABC en vigueur 26 juin 2026”, linked from its zoning page. These are current classifications, not a claim that all six towns changed zone in June.
PTZ: zoning is only one check
The prêt à taux zéro is an interest-free element of financing, subject to programme conditions. It is not available for every purchase and does not replace the bank’s decision on the overall financing package.
Since April 2025, qualifying new housing, including individual houses, is covered nationwide under the applicable rules. A statement that PTZ is available only in high-pressure areas is therefore incomplete for new homes. Zoning still affects calculation parameters; existing housing with works follows separate geographical and other conditions.
Check purchaser status, primary-residence use, household income, family composition, property type, loan-offer date and eligible operation cost. Establish affordability including the rest of the financing.
Rent limits and investment schemes
A zone may determine rent and tenant-income ceilings within a particular scheme. It does not set a single market rent permitted for every apartment in the town. A–B–C zoning should not be confused with other definitions of zone tendue, annual rent increases or local holiday-letting rules.
For an investment, record the scheme, date, zone, relevant floor area, letting category and restrictions. If using Jeanbrun, being in zone A does not establish compliance with the rest of its rules.
Before signing
Ask the bank or tax adviser to retain a dated calculation with the applicable official reference. Match its address to the notarial documents: similar place names and postal descriptions are not substitutes for the municipality code.
Then examine the economics without assuming automatic eligibility. A zoning change alone promises neither property appreciation, PTZ approval nor an adequate rental return.
Classifications and programme rules can change. Confirm financing eligibility, ceilings and tax treatment at the date relevant to the operation.
What to check next
Once the scheme calculation is confirmed, you can assess the available budget under its conditions. Suitable financing still leaves a separate check: whether the property permits your intended use and what obligations come with it.
Next question: which property documents and conditions should you check before the compromis? The checklist covers title, use, co-ownership records, diagnostics and financing conditions.
How would an eligible scheme change your budget?
Compare your funds, borrowing and intended use in the purchase and ownership budget guide. To start a discussion, tell us the town, whether this will be your main or second home, and the intended financing: these determine which programme conditions need checking.
Sources and verification date
Checked on 22 September 2026. Observation periods and limitations are identified in the article.
