01
Cost of living
$1,816/mo
FRVerified relocation data for the location-independent
France for remote workers.
Founding EU, Schengen and NATO member with a heavy but predictable tax-and-social load. Solo freelancers usually start under the micro-entrepreneur (micro-BNC) regime — a 34% flat expense allowance plus flat URSSAF social contributions — leaving roughly a 34% burden at €60k, with an optional 2.2% flat income tax (versement libératoire) for lower earners. Crypto gains are taxed at the flat 31.4% PFU. There is no digital-nomad visa: EU citizens work freely, while non-EU freelancers use the entrepreneur/profession libérale visa or the reformed 'Talent' card.
Verified
2 cities · 3 schemes · 6 active paths
FR · SettleMetric
01
At a glance
The headline numbers for France — each with its own source and freshness. A live official figure is not the same as a survey estimate or a 30-year climate normal.
4.8/10
02
Rent, 1–3 bed
$1,401–$3,481
/mo
03
Freelancer tax
34.1%
Safety
8.4/101.28/100k
Internet
5.1/1051 Mbps
English
5.0/10Moderate
Private health
9.1/10$821/yr
Crypto
8.0/10Legal regulated
What the tags meanofficial — live figure from a government or authorityopen data — open dataset (Eurostat, EEA, M-Lab, UdSC…)survey — survey or index estimatecurated — SettleMetric-assembled estimate — open the source for the method
02
What it costs you per month
A planning estimate: real asking rent plus a cost-of-living basket scaled to your household. Not a quote.
Household
Lifestyle
Location
Estimated total
$3,215/mo
≈ $38,580 / year
Where it goes
- Rent (1-bed)$1,401
- Transport$283
- Food & non-alcoholic beverages$273
- Restaurants & hotels$191
- Housing (water, energy, maintenance — excl. rent)$185
- Insurance & financial services$182
- Recreation, sport & culture$158
- Other goods & services (personal care, social protection, misc.)$138
- Health (out-of-pocket & non-reimbursed)$85
- Furnishings & household equipment$84
- Information & communication$80
- Alcoholic beverages & tobacco$74
- Clothing & footwear$65
- Education$16
- Living costs$1,814
Rent from the asking-rent matrix below. Living costs scale a one-person basket ($1,814/mo) by household size and lifestyle; the equivalence factors are our assumption. Schooling and one-off setup are excluded.
03
Cost of living
What a single person spends each month — food, utilities, transport, eating out and the rest — excluding rent.
01Cost of living (single, excl. rent)1,816USD/month, single person, excluding rent4.8
What this measures
Monthly cost of a defined single-person basket (food, transport, utilities, mobile+internet, modest leisure) excluding rent, curated from national statistics office price data and large local retailers' published prices, converted to USD at the ECB rate recorded in fx-rates. The method field of each value itemizes the basket inputs.
Lower is betterUSD/month, single person, excluding rentre-verified every 365 days
Curated by SettleMetric
- Data as of
- Dec 31, 2024
- Verified
- Jul 14, 2026
- Method
- INSEE national-accounts household final consumption by COICOP, 2024. Functions sum to €1,543.8B on-territory; subtract housing rentals (actual €77.0B + imputed €220.7B = €297.7B) → €1,246.1B non-rent. Per-capita on the household basis (to match peers): ÷ 31.377M households (Jan 2024) ÷ avg size 2.14 ÷ 12 = €1,546/capita/mo (2024). CPI-uplift mid-2024→mid-2026 ×1.030 = €1,593/mo. ×1.1399 USD/EUR = $1,816/mo. Per-capita basis to match Czechia/Spain/Austria; a lone single-person household spends materially more.
INSEE — La consommation des ménages en 2024 (Insee Première 2056, COICOP functional breakdown)
Curated by SettleMetric
- Data as of
- Dec 31, 2024
- Verified
- Jul 14, 2026
- Method
- Each INSEE 2024 COICOP function (€B/yr) → per-capita USD/mo by ÷ 31.377M households ÷ 2.14 ÷ 12 then ×1.030 CPI uplift ×1.1399 FX. Housing (04) shown net of rent (actual + imputed rents excluded). Items sum ≈ $1,814 ≈ the $1,816 headline. Health is households' out-of-pocket/non-reimbursed only — France's universal Assurance Maladie plus near-universal mutuelles cover most care, so this line is structurally low.
01Transport283 USD
02Food & non-alcoholic beverages273 USD
03Restaurants & hotels191 USD
04Housing (water, energy, maintenance — excl. rent)185 USD
05Insurance & financial services182 USD
06Recreation, sport & culture158 USD
07Other goods & services (personal care, social protection, misc.)138 USD
08Health (out-of-pocket & non-reimbursed)85 USD
09Furnishings & household equipment84 USD
10Information & communication80 USD
11Alcoholic beverages & tobacco74 USD
12Clothing & footwear65 USD
13Education16 USD
France's single-person household-budget basket, excluding rent.
04
Housing
What it costs to rent, by apartment type and location.
SettleMetric — population-weighted average of covered cities (Nice, Paris)
Curated by SettleMetric
- Data as of
- Dec 31, 2025
- Verified
- Jul 14, 2026
- Method
- Population-weighted mean of the rent-breakdown matrices of Nice, Paris; each cell averages the cities that report it. See each city page for its exact local matrix.
| Apartment | Central | Outside centre |
|---|---|---|
| Studio | 1,464 USD/mo | 1,196 USD/mo |
| 1-bedroom | 1,714 USD/mo | 1,401 USD/mo |
| 2-bedroom | 2,491 USD/mo | 2,036 USD/mo |
| 3-bedroom | 3,481 USD/mo | 2,846 USD/mo |
05
Safety
How safe daily life is, from official crime statistics.
01Homicide rate1.3intentional homicides per 100,000/year8.4
What this measures
Intentional homicide victims per 100,000 population, latest available year. Country level: UNODC national series. City level: official municipal/police statistics where published; otherwise null (country value shown as country-level).
Lower is betterintentional homicides per 100,000/yearre-verified every 730 days
Open data
Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB)
- Data as of
- Dec 31, 2024
- Verified
- Jul 14, 2026
- Notes
- Police-recorded intentional homicide, 2024 (value 1.28; 2023 was 1.30). Dataset last updated by Eurostat 2026-04-29; cross-checked against decoding the full crim_off_cat matrix. Moderate by European standards — above the safest EU states (Austria 0.85) but well below the global average.
Eurostat — police-recorded offences by category (crim_off_cat, ICCS, unit P_HTHAB)
Open data
- Data as of
- Dec 31, 2024
- Verified
- Jul 14, 2026
- Notes
- Police-recorded offences per 100,000 inhabitants, 2024 (ICCS categories: theft 0502, serious assault 020111, drug offences 0601, burglary 0501, sexual violence 0301, robbery 0401). France records assault broadly (coups et blessures volontaires), so its serious-assault level here is high on paper — partly a recording-breadth effect. Intentional homicide (1.28, same Eurostat 2024 series) is the scored safety headline shown separately. Recording practices and legal definitions differ between countries, so read the levels as context, not a league table.
01Theft1,911per 100k
02Serious assault613per 100k
03Drug offences560per 100k
04Burglary444per 100k
05Sexual violence141per 100k
06Robbery82.8per 100k
Police-recorded offences per 100,000 inhabitants, 2024 (ICCS categories: theft 0502, serious assault 020111, drug offences 0601, burglary 0501, sexual violence 0301, robbery 0401). France records assault broadly (coups et blessures volontaires), so its serious-assault level here is high on paper — partly a recording-breadth effect. Intentional homicide (1.28, same Eurostat 2024 series) is the scored safety headline shown separately. Recording practices and legal definitions differ between countries, so read the levels as context, not a league table.
OSCE ODIHR Hate Crime Reporting — France (official police-recorded)
Official source
- Data as of
- Dec 31, 2024
- Verified
- Jul 15, 2026
- Notes
- OSCE ODIHR 2024: 6,096 hate crimes recorded by police (source: SSMSI, the French interior-ministry statistical service); 3,941 racist/xenophobic — here ODIHR’s racist/xenophobic category also includes anti-religious hate crime and is not further disaggregated — plus 2,155 anti-LGBTI, the two summing exactly to the total. High counts reflect thorough recording, not necessarily more hatred; not comparable across countries.
6,096
recorded by police
3,941
racist / xenophobic
OSCE ODIHR 2024: 6,096 hate crimes recorded by police (source: SSMSI, the French interior-ministry statistical service); 3,941 racist/xenophobic — here ODIHR’s racist/xenophobic category also includes anti-religious hate crime and is not further disaggregated — plus 2,155 anti-LGBTI, the two summing exactly to the total. High counts reflect thorough recording, not necessarily more hatred; not comparable across countries.
06
Healthcare
What comprehensive private medical cover costs.
01Private healthcare cost821USD/year, comprehensive private insurance premium, healthy 35-year-old9.1
What this measures
Median of at least three publicly quoted annual premiums for comprehensive private medical insurance (outpatient + inpatient, ~$100k coverage, small deductible) for a healthy 35-year-old resident foreigner, from local and international insurers. Method field lists the insurers quoted.
Lower is betterUSD/year, comprehensive private insurance premium, healthy 35-year-oldre-verified every 365 days
Curated by SettleMetric
- Data as of
- Jul 1, 2026
- Verified
- Jul 14, 2026
- Method
- France has universal public health cover (Assurance Maladie, ~70% reimbursement) topped up by a COMPLEMENTARY private 'mutuelle santé' — supplementary, not full-replacement. Mutuelle pricing is age-banded, not health-rated. Market data (goodassur, 48,082 individual quotes, July 2026): age 25–34 avg €68.98/mo, 35–44 avg €90.68/mo; a mid-market intermediate plan for a healthy 35-year-old ≈ €60/mo = €720/yr → $821/yr at 1.1399. Range ≈ €35/mo ($479/yr) to ≈ €90/mo ($1,231/yr).
- Notes
- A supplementary top-up on the mandatory public system, not a full private replacement policy (like Austria's Sonderklasse). ~95%+ of residents carry a mutuelle; employees usually get a subsidised group contract (employer pays ≥50%), so this individually-purchased premium is the situation of a freelancer/self-employed person. Mid-market monthly range ≈ €50–70.
07
Money & crypto
Crypto rules and how freely personal money moves.
01Crypto regulationLegal regulated8.0
What this measures
Own classification of the legal status of holding, trading and cashing out cryptocurrency for individuals: legal-friendly (legal with clear, favourable rules or explicit tax exemptions), legal-regulated (legal under standard licensing/AML and taxation), restricted (partial bans: payments or banking access prohibited), banned (holding/trading prohibited). Classified from national regulators' and central banks' official positions.
Rated by category—re-verified every 180 days
Official source
impots.gouv.fr — Plus-values sur cessions d'actifs numériques (cryptomonnaies); AMF/MiCA CASP regime
- Data as of
- Jan 1, 2026
- Verified
- Jul 14, 2026
- Notes
- Legal and regulated. Capital gains on digital assets for private/occasional investors are taxed at the flat PFU — 31.4% from 1 Jan 2026 (12.8% income tax + 18.6% social levies; the social part rose from 17.2% when the 2026 Social Security law lifted CSG on capital income 9.2%→10.6%), with the option to elect the progressive scale instead (since 2023). Total annual disposals ≤ €305 are exempt. Crypto-asset service providers authorise as CASPs under the EU MiCA regulation (the former AMF 'PSAN' regime from the 2019 PACTE law), with the AMF as competent authority.
02Financial control levelLow10.0
What this measures
Own composite of state control over personal money flows: currency/capital controls (IMF AREAER), restrictions on foreign accounts and transfers, mandatory income declaration scope for residents, cash payment limits, banking access for foreigners. Low = free movement of personal funds and easy non-resident banking; very-high = strict capital controls and pervasive reporting. Method field on each value lists the inputs used.
Rated by category—re-verified every 365 days
Official source
- Data as of
- Sep 1, 2015
- Verified
- Jul 14, 2026
- Method
- Composite: France uses the euro, fully convertible, with EU free movement of capital and NO exchange/capital controls. The main constraint is a cash-payment cap — a French tax resident may pay at most €1,000 in cash to a professional (since Sept 2015; non-resident tourists up to €15,000); cash between private individuals is unlimited (written proof required above €1,500). The EU Anti-Money-Laundering Regulation adds an EU-wide €10,000 cash cap from 2027. Non-resident banking is available with standard KYC. These are ordinary AML measures, not capital controls → 'low'.
08
Infrastructure
Internet speed and how parcels get to your door.
01Domestic delivery qualityExcellent10.0
What this measures
Quality of in-country parcel delivery. excellent = nationwide next-day widely available, dense parcel-locker network, real-time tracking standard; good = 1–3 day delivery, lockers in major cities; basic = reliable but slow (3–7 days), mostly to-door or post-office pickup; poor = unreliable delivery, street addresses often unusable, informal workarounds common. Classified from official service/coverage data of the national postal operator and the two largest private carriers; inputs itemized in each value's method field.
Rated by category—re-verified every 730 days
Curated by SettleMetric
La Poste / Colissimo (Pickup) and Mondial Relay network figures
- Data as of
- Jan 1, 2025
- Verified
- Jul 14, 2026
- Method
- France has one of Europe's densest out-of-home parcel networks. Colissimo/Pickup: 26,000+ pickup points (≈17,500 relay points + ≈6,500 automatic lockers, incl. ≈4,500 24/7 Pickup Station lockers). Mondial Relay: ≈17,000 points (≈9,000 lockers + ≈8,000 relais). Plus Relais Colis, Chronopost, DPD, and La Poste home delivery ~6 days/week, with nationwide next-day/2-day standard options → 'excellent'.
02International delivery easeMinor friction7.0
What this measures
Ease of receiving goods from abroad. seamless = major international carriers deliver door-to-door, meaningful duty-free de-minimis threshold, customs clearance predictable in days; minor-friction = carriers present but low de-minimis, extra paperwork or routine delays; significant-friction = frequent customs holds, high brokerage fees, some marketplaces refuse to ship; unreliable = parcels regularly lost or blocked, informal import channels dominate. De-minimis thresholds and clearance rules from the national customs authority (official source, cite the regulation); carrier presence from carriers' official pages.
Rated by category—re-verified every 365 days
Official source
- Data as of
- Jul 1, 2026
- Verified
- Jul 14, 2026
- Notes
- Intra-EU shipping is frictionless (single market — most European cross-border parcels arrive like domestic ones). For non-EU imports the EU removed the €150 duty-free threshold and from 1 July 2026 applies a temporary flat customs duty per item on ≤€150 consignments (VAT already collected at checkout via IOSS since 2021). Predictable but no longer duty-free — the same EU regime as other member states.
03Internet speed51.4Mbps, median fixed download5.1
What this measures
Median fixed-broadband download speed over the trailing 6 months from M-Lab NDT open data (CC0), aggregated at country or city level. Not comparable with Ookla figures (different test methodology) — do not mix sources within this criterion.
Higher is betterMbps, median fixed downloadre-verified every 365 days
Open data
M-Lab NDT country aggregates for France
- Data as of
- Dec 31, 2023
- Verified
- Jul 14, 2026
- Method
- Median of the 344 daily country-median download values for FR in 2023 (~10.47M download tests; daily medians ranged 24.9–61.1 Mbps). M-Lab NDT is single-stream and reads well below Ookla-style or advertised figures (French fibre commonly markets 300–1000+ Mbps) — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
- Notes
- France has extensive FTTH fibre coverage; the M-Lab single-stream median understates real-world line speeds and is used only for cross-country comparability on one consistent method.
09
Language
How far English gets you in daily life and services.
01English proficiencyModerate5.0
What this measures
Own banding of how far English gets a resident in daily life (government offices, healthcare, housing, services). Informed by EF EPI band (research source, cited with attribution, not republished) plus official language status and service-sector realities. Values are our bands, not EF scores.
Rated by category—re-verified every 730 days
Research
EF EPI 2025 — France (score 539, rank 38/123, Moderate band)
- Data as of
- Nov 1, 2025
- Verified
- Jul 14, 2026
- Notes
- Own band informed by EF EPI 2025 (attribution: EF Education First): France score 539, global rank 38, 'Moderate' band (EF cutoffs: Moderate 500–549), up 11 places and +15 points vs 2024. English is workable in Paris tech/expat circles and tourism-facing Côte d'Azur, but French is essential for administration, most workplaces, and daily life — France sits below the very-high Northern-European tier.
10
Demographics
Who else lives here — the share of foreign residents and the largest national communities, from official statistics.
Openness to foreignersOpenGallup MAI 6.46/9 · 2016 · WVS w7 · KCL 10% reject foreign neighbours
What this measures
How accepting the resident population is of migrants and foreigners — the inverse of xenophobia, a real concern for someone relocating. Our own five-band reading (very-open / open / moderate / reserved / low) informed primarily by the Gallup Migrant Acceptance Index (0–9 scale: three questions on migrants living in the country, becoming neighbours, and marrying into the family; 2019 wave), cross-checked where available with the World Values Survey wave 7 / European Values Study 2017 question on whether people would not want immigrants or foreign workers as neighbours (a higher share = more hostile). Banding guide against the Gallup 0–9 score: ≥7.0 very-open, 5.5–7.0 open, 4.0–5.5 moderate, 2.5–4.0 reserved, below 2.5 low (the 2019 global average of 5.21 sits in 'moderate'). Country level only: no credible city-level survey of attitudes to foreigners exists, so on city pages the country reading is shown as country context. Gallup is a research source cited with attribution, not republished in bulk; the raw index score/year and any cross-check figure are carried inside each value. Value shape: { band, gallupMai?, gallupYear?, unwantedNeighborPct?, unwantedNeighborSource? }. Display-only: attitudinal, survey-based and ~2019 vintage, so it is shown as honest context and never folded into the composite score.
Reference data—re-verified every 1825 days
Research
- Data as of
- Aug 23, 2017
- Verified
- Jul 15, 2026
- Notes
- Gallup MAI 6.46/9 (2016/2017 wave) — above the global average. Cross-check — World Values Survey wave 7 (via King’s College London’s cross-country analysis): 10% said they would not want immigrants or foreign workers as neighbours. Band: open.
INSEE — L'essentiel sur… les immigrés et les étrangers (population étrangère)
Open data
- Data as of
- Jan 1, 2025
- Verified
- Jul 14, 2026
- Notes
- INSEE: 6.3 million foreign nationals (étrangers) = 9.1% of the population (2025, provisional). Distinct from immigrés (foreign-born, 8.0M / 11.6%) — many immigrés have since acquired French nationality, and some foreign nationals were born in France. The nationality breakdown below is published on the foreign-born (immigrés) basis, INSEE's cleanly-tabulated series.
Largest communities of the foreign-born7,970,000 total
INSEE — L'essentiel sur… les immigrés et les étrangers (immigrés par pays de naissance)
Open data
- Data as of
- Jan 1, 2025
- Verified
- Jul 14, 2026
- Method
- Shares taken directly from INSEE (immigrés by country of birth, 2025); counts derived = share × 7,970,000 immigrés (rounded to nearest 1,000). These seven countries account for 46.3% of all immigrés.
- Notes
- Shown on the immigrés (foreign-born) basis — INSEE's cleanly-published country breakdown — which is the 8.0M foreign-born population, not the 6.3M foreign nationals of the headline share (many immigrés have naturalised). Italy and Turkey are tied at 3.5%; the historic Maghreb and Iberian communities dominate.
01Algeria12.6%1,004,000
02Morocco11.7%932,000
03Portugal7.2%574,000
04Tunisia4.9%391,000
05Italy3.5%279,000
06Turkey3.5%279,000
07Spain3%239,000
Shown on the immigrés (foreign-born) basis — INSEE's cleanly-published country breakdown — which is the 8.0M foreign-born population, not the 6.3M foreign nationals of the headline share (many immigrés have naturalised). Italy and Turkey are tied at 3.5%; the historic Maghreb and Iberian communities dominate.
11
Your tax options
- 01Micro-entrepreneur (micro-BNC) — 34% allowance + progressive income tax34% of revenue + 25.6% of revenue34.1%burden at €60k
- 02SASU — 15%/25% corporate tax + 31.4% PFU on dividendsprogressive on profit: 15% up to 42,500, 25% above + 31.4% of amount left after "Impôt sur les sociétés (IS)"43.7%burden at €60k
- 03Micro-entrepreneur (micro-BNC) — versement libératoire (2.2% flat income tax)25.6% of revenue + 0.2% of revenueover cap at €60k →
See what you would keep
Your income against France's real tax schemes — the same engine as the full calculator.
- 1 Micro-entrepreneur (micro-BNC) — 34% allowance + progressive income tax39,536 EURnet/year34.1% burden
- 2 SASU — 15%/25% corporate tax + 31.4% PFU on dividends33,786 EURnet/year43.7% burden
- 3 Micro-entrepreneur (micro-BNC) — versement libératoire (2.2% flat income tax)over income cap43,200 EURnet/year28.0% burden
12
Your legalization options
- 01EU/EEA/Swiss citizens — freedom of movement (no permit required)Special programEU citizensEU/EEA (incl. Iceland, Liechtenstein, Norway) and Swiss nationals may enter, live and work in France with no visa or residence permit5 yrs +→ PR path
- 02Long-stay visa/permit — entrepreneur / profession libérale (self-employed)Freelance permitAll except EU citizensThird-country nationals setting up or running a self-employed commercial, industrial, artisanal or liberal-profession activity in France1 yr +→ PR path
- 03Carte de séjour pluriannuelle 'Talent — porteur de projet' (business creation / investment)Business visaAll except EU citizensThird-country nationals in one of: (a) hold a master's-level degree OR prove ≥5 years' comparable professional experience AND create a business in France backed by a real, serious economic project; (b) run an innovative economic project recognised by a public body; or (c) make a direct economic investment in France4 yrs +→ PR path
- 04Long-stay visitor visa/permit (VLS-TS 'visiteur') — no work permittedTemporary residenceAll except EU citizensincome ≥ 1,399 EUR/monthLong-stay visa equivalent to a residence permit (VLS-TS) bearing the mention 'visiteur', valid 1 year and renewable1 yr +→ PR path
- 05Visa-free short stay (Schengen 90/180)Visa-free stayUS citizens, UK citizens, Ukrainian citizensValid (for Ukraine, biometric) passport of a Schengen visa-exempt country3 mo
- 06Temporary protection for displaced Ukrainians (protection temporaire)Special programUkrainian citizensDisplaced persons from Ukraine covered by the EU Temporary Protection Directive6 mo +
13
Who is France for?
The same place reads differently depending on why you move. Each lens pulls the facts that matter most for that plan — with sources, and the trade-offs stated plainly.
Contract or freelance in tech, billing clients abroad.
Works in your favour
Domestic delivery qualityExcellent
La Poste / Colissimo (Pickup) and Mondial Relay network figures
Curated by SettleMetric
- Data as of
- Jan 1, 2025
- Verified
- Jul 14, 2026
- Method
- France has one of Europe's densest out-of-home parcel networks. Colissimo/Pickup: 26,000+ pickup points (≈17,500 relay points + ≈6,500 automatic lockers, incl. ≈4,500 24/7 Pickup Station lockers). Mondial Relay: ≈17,000 points (≈9,000 lockers + ≈8,000 relais). Plus Relais Colis, Chronopost, DPD, and La Poste home delivery ~6 days/week, with nationwide next-day/2-day standard options → 'excellent'.
Watch-outs
Freelancer tax burden34.1%
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 14, 2026
- Method
- Best eligible scheme at €60,000 turnover, single (1 part) = micro-entrepreneur (micro-BNC, scheme fr-micro-bnc): micro-social 25.6% = 15,360; CFP 0.2% = 120; income tax on 66% of turnover (34% allowance) = 39,600 → 11%/30% bands = 4,984. Levies 20,464 → 34.1%. The versement libératoire (28% flat) is blocked at €60k by the RFR cap; a SASU all-dividend chain runs ≈43.7%.
Internet speed51 Mbps
M-Lab NDT country aggregates for France
Open data
- Data as of
- Dec 31, 2023
- Verified
- Jul 14, 2026
- Method
- Median of the 344 daily country-median download values for FR in 2023 (~10.47M download tests; daily medians ranged 24.9–61.1 Mbps). M-Lab NDT is single-stream and reads well below Ookla-style or advertised figures (French fibre commonly markets 300–1000+ Mbps) — comparable only within this criterion. 2023 is the latest full year in M-Lab's public stats API.
- Notes
- France has extensive FTTH fibre coverage; the M-Lab single-stream median understates real-world line speeds and is used only for cross-country comparability on one consistent method.
English proficiencyModerate
EF EPI 2025 — France (score 539, rank 38/123, Moderate band)
Research
- Data as of
- Nov 1, 2025
- Verified
- Jul 14, 2026
- Notes
- Own band informed by EF EPI 2025 (attribution: EF Education First): France score 539, global rank 38, 'Moderate' band (EF cutoffs: Moderate 500–549), up 11 places and +15 points vs 2024. English is workable in Paris tech/expat circles and tourism-facing Côte d'Azur, but French is essential for administration, most workplaces, and daily life — France sits below the very-high Northern-European tier.
Cost of living (single, excl. rent)$1,816/mo
Curated by SettleMetric
- Data as of
- Dec 31, 2024
- Verified
- Jul 14, 2026
- Method
- INSEE national-accounts household final consumption by COICOP, 2024. Functions sum to €1,543.8B on-territory; subtract housing rentals (actual €77.0B + imputed €220.7B = €297.7B) → €1,246.1B non-rent. Per-capita on the household basis (to match peers): ÷ 31.377M households (Jan 2024) ÷ avg size 2.14 ÷ 12 = €1,546/capita/mo (2024). CPI-uplift mid-2024→mid-2026 ×1.030 = €1,593/mo. ×1.1399 USD/EUR = $1,816/mo. Per-capita basis to match Czechia/Spain/Austria; a lone single-person household spends materially more.
Relocating with a partner and school-age children.
Works in your favour
Homicide rate1.28/100k
Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB)
Open data
- Data as of
- Dec 31, 2024
- Verified
- Jul 14, 2026
- Notes
- Police-recorded intentional homicide, 2024 (value 1.28; 2023 was 1.30). Dataset last updated by Eurostat 2026-04-29; cross-checked against decoding the full crim_off_cat matrix. Moderate by European standards — above the safest EU states (Austria 0.85) but well below the global average.
Private healthcare cost$821/yr
Curated by SettleMetric
- Data as of
- Jul 1, 2026
- Verified
- Jul 14, 2026
- Method
- France has universal public health cover (Assurance Maladie, ~70% reimbursement) topped up by a COMPLEMENTARY private 'mutuelle santé' — supplementary, not full-replacement. Mutuelle pricing is age-banded, not health-rated. Market data (goodassur, 48,082 individual quotes, July 2026): age 25–34 avg €68.98/mo, 35–44 avg €90.68/mo; a mid-market intermediate plan for a healthy 35-year-old ≈ €60/mo = €720/yr → $821/yr at 1.1399. Range ≈ €35/mo ($479/yr) to ≈ €90/mo ($1,231/yr).
- Notes
- A supplementary top-up on the mandatory public system, not a full private replacement policy (like Austria's Sonderklasse). ~95%+ of residents carry a mutuelle; employees usually get a subsidised group contract (employer pays ≥50%), so this individually-purchased premium is the situation of a freelancer/self-employed person. Mid-market monthly range ≈ €50–70.
Watch-outs
English proficiencyModerate
EF EPI 2025 — France (score 539, rank 38/123, Moderate band)
Research
- Data as of
- Nov 1, 2025
- Verified
- Jul 14, 2026
- Notes
- Own band informed by EF EPI 2025 (attribution: EF Education First): France score 539, global rank 38, 'Moderate' band (EF cutoffs: Moderate 500–549), up 11 places and +15 points vs 2024. English is workable in Paris tech/expat circles and tourism-facing Côte d'Azur, but French is essential for administration, most workplaces, and daily life — France sits below the very-high Northern-European tier.
Optimising tax, banking and crypto rules.
Works in your favour
Crypto regulationLegal regulated
impots.gouv.fr — Plus-values sur cessions d'actifs numériques (cryptomonnaies); AMF/MiCA CASP regime
Official source
- Data as of
- Jan 1, 2026
- Verified
- Jul 14, 2026
- Notes
- Legal and regulated. Capital gains on digital assets for private/occasional investors are taxed at the flat PFU — 31.4% from 1 Jan 2026 (12.8% income tax + 18.6% social levies; the social part rose from 17.2% when the 2026 Social Security law lifted CSG on capital income 9.2%→10.6%), with the option to elect the progressive scale instead (since 2023). Total annual disposals ≤ €305 are exempt. Crypto-asset service providers authorise as CASPs under the EU MiCA regulation (the former AMF 'PSAN' regime from the 2019 PACTE law), with the AMF as competent authority.
Financial control levelLow
Official source
- Data as of
- Sep 1, 2015
- Verified
- Jul 14, 2026
- Method
- Composite: France uses the euro, fully convertible, with EU free movement of capital and NO exchange/capital controls. The main constraint is a cash-payment cap — a French tax resident may pay at most €1,000 in cash to a professional (since Sept 2015; non-resident tourists up to €15,000); cash between private individuals is unlimited (written proof required above €1,500). The EU Anti-Money-Laundering Regulation adds an EU-wide €10,000 cash cap from 2027. Non-resident banking is available with standard KYC. These are ordinary AML measures, not capital controls → 'low'.
Watch-outs
Freelancer tax burden34.1%
Curated by SettleMetric
- Data as of
- Jan 1, 2026
- Verified
- Jul 14, 2026
- Method
- Best eligible scheme at €60,000 turnover, single (1 part) = micro-entrepreneur (micro-BNC, scheme fr-micro-bnc): micro-social 25.6% = 15,360; CFP 0.2% = 120; income tax on 66% of turnover (34% allowance) = 39,600 → 11%/30% bands = 4,984. Levies 20,464 → 34.1%. The versement libératoire (28% flat) is blocked at €60k by the RFR cap; a SASU all-dividend chain runs ≈43.7%.
Prioritising safety, air, and an easy daily life.
Works in your favour
Homicide rate1.28/100k
Eurostat — police-recorded intentional homicide (crim_off_cat, ICCS0101, unit P_HTHAB)
Open data
- Data as of
- Dec 31, 2024
- Verified
- Jul 14, 2026
- Notes
- Police-recorded intentional homicide, 2024 (value 1.28; 2023 was 1.30). Dataset last updated by Eurostat 2026-04-29; cross-checked against decoding the full crim_off_cat matrix. Moderate by European standards — above the safest EU states (Austria 0.85) but well below the global average.
Domestic delivery qualityExcellent
La Poste / Colissimo (Pickup) and Mondial Relay network figures
Curated by SettleMetric
- Data as of
- Jan 1, 2025
- Verified
- Jul 14, 2026
- Method
- France has one of Europe's densest out-of-home parcel networks. Colissimo/Pickup: 26,000+ pickup points (≈17,500 relay points + ≈6,500 automatic lockers, incl. ≈4,500 24/7 Pickup Station lockers). Mondial Relay: ≈17,000 points (≈9,000 lockers + ≈8,000 relais). Plus Relais Colis, Chronopost, DPD, and La Poste home delivery ~6 days/week, with nationwide next-day/2-day standard options → 'excellent'.
Watch-outs
Cost of living (single, excl. rent)$1,816/mo
Curated by SettleMetric
- Data as of
- Dec 31, 2024
- Verified
- Jul 14, 2026
- Method
- INSEE national-accounts household final consumption by COICOP, 2024. Functions sum to €1,543.8B on-territory; subtract housing rentals (actual €77.0B + imputed €220.7B = €297.7B) → €1,246.1B non-rent. Per-capita on the household basis (to match peers): ÷ 31.377M households (Jan 2024) ÷ avg size 2.14 ÷ 12 = €1,546/capita/mo (2024). CPI-uplift mid-2024→mid-2026 ×1.030 = €1,593/mo. ×1.1399 USD/EUR = $1,816/mo. Per-capita basis to match Czechia/Spain/Austria; a lone single-person household spends materially more.
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Cities
2 cities
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Video reviews
Hand-picked YouTube tours and living-here guides — each one checked to still play.
Why most people struggle living in France (and how to adapt)
Jay Swanson · A decade of expat experience
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