Buying Property in Monaco – 2025 Luxury Investment Guide

Owning real estate in Monaco is more than a financial decision — it’s a statement of prestige, security, and lifestyle.

This 2025 guide by AGENCE Monaco explains how to buy property in Monaco, including the legal process, true acquisition costs, financing options, and investment outlook for the year ahead.

Why invest in Monaco

Monaco continues to be Europe’s most exclusive real-estate market.

The Principality combines political stability, zero income tax, and timeless prestige — qualities that attract the world’s wealthiest investors.

In 2024, the Monaco Real Estate Observatory reported an average resale price of €51,967 per m², setting a new European record.

Demand for sea-view residences in Larvotto, Carré d’Or, and Fontvieille remains extremely high, while new developments such as Mareterra are redefining ultra-luxury living.

The purchase process

Buying property in Monaco follows a clear and efficient procedure supervised by a notary:

1. Written Offer & Reservation

   Your agent submits a written offer to the seller, accompanied by proof of funds.

2. Pre-Contract (Compromis de Vente)

   Once the offer is accepted, both parties sign a preliminary contract at the notary’s office.

   A 10% deposit is placed in escrow until completion.

3. Final Deed (Acte de Vente)

   Within 2–3 months, the notary completes all verifications and both parties sign the final deed.

   Ownership is officially transferred, and the buyer receives the keys.

Transaction costs average ≈ 6.25%, covering registration duty (~4.75%) and notary fees (~1.5%).

For new developments (VEFA), costs are usually around 2.5%, as VAT is already included in the sale price.

Financing & ownership structures

Foreigners face no restrictions on property ownership in Monaco.

Most acquisitions occur via:

• Private ownership

• Monaco SCI (Société Civile Immobilière)

• Foreign holding companies

Local banks typically finance up to 70% LTV, and for residents, up to 80%.

Loan terms usually range between 15–25 years, with interest-only options available for high-net-worth clients.

Acquisition costs at a glance

Type of Cost	Typical Rate	Notes
Registration duty (resale)	~4.75 %	Paid to the Monaco Treasury
Notary fees & formalities	~1.5 %	Based on the property value
New development (VEFA)	~2.5 %	Price already includes 20 % VAT
Agency commission	3 % + VAT	Buyer’s fee (seller usually pays 5 %)
Mortgage fees	Variable	Depending on bank and structure

Prime districts for investors

Carré d’Or / Monte-Carlo

The epicentre of luxury — boutiques, casinos, and Michelin-starred restaurants.

Apartments here hold their value exceptionally well.

Larvotto

Beachfront elegance with sunrise views and newly redeveloped promenades.

Perfect for those seeking a blend of resort living and urban convenience.

Fontvieille

A quieter, family-friendly area with marina views and larger layouts.

La Condamine / Port Hercules

Dynamic and central — ideal for investors seeking high rental yields.

Mareterra (New Eco-District)

A visionary seafront expansion by Renzo Piano — the ultimate address of tomorrow.

Financing Example (2025)

A €10 million property with 60 % financing typically requires:

• €4 million equity

• €6 million mortgage at 3.2 % fixed for 20 years

• Acquisition costs: ~€625,000

• Monthly repayment: ~€33,000

Even under conservative growth assumptions, capital appreciation and currency safety make Monaco one of the world’s most resilient markets.

Buyer’s checklist

☑ Proof of identity and financial capacity

☑ Signed offer through your licensed Monaco agent

☑ Deposit (10 %) held safely by the notary

☑ Bank pre-approval or loan term sheet

☑ Review of the notarial draft deed

☑ Insurance and utilities setup before completion

Market Outlook 2025

Supply remains extremely limited, especially in new developments.

Ultra-high-net-worth demand from Europe, the Middle East, and Asia continues to rise, with prices expected to increase 3–5 % year-on-year.

The new Mareterra district and Larvotto’s renovated beachfront further strengthen Monaco’s global desirability.

Conclusion

Buying property in Monaco means securing one of Europe’s rarest and safest assets.

Every square metre represents stability, prestige, and exclusivity that cannot be replicated.

For discreet access to off-market listings and expert guidance through every step, contact AGENCE Monaco — your trusted partner for prime real estate investments in the Principality.