Wikimedia Commons CC BY-SA
Saint-Germain-des-Fossés
Small town · 03260 · Auvergne-Rhône-Alpes
👥 Population
3 579
2023 · INSEE
🏠 Median price /m²
950 €
📈 -29% since 2015
💰 Gross yield
12.1 %
rent / purchase price
⚡ Avg. energy rating
E
🔴 27.9 % energy sieves (F-G) (F-G)
🎯 Investment score Good
Saint-Germain-des-Fossés — Score 60/100.
60
💰 Yield90
🌳 Quality of life36
📊 Dynamism56
💸 Affordability88
🛡️ Safety39
⚡ Energy rating30
🏠 Property prices
DVF · 14 Transactions · Saint-Germain-des-Fossés
🏢 Apt. /m²
950 €
🏡 House /m²
1 571 €
📋 Transactions
14
📈 Price per m² evolution (2020 — 2024)
📊 Annual transaction volume
📊 Nearby municipalities
| City | Apt. | House | Trans. | Pop. |
|---|---|---|---|---|
| Montluçon | 1 034 € | 1 125 € | 869 | 33 147 |
| Vichy | 2 068 € | 1 902 € | 880 | 25 115 |
| Moulins | 1 583 € | 1 613 € | 351 | 19 206 |
| Cusset | 1 413 € | 1 702 € | 239 | 13 316 |
| Yzeure | 1 333 € | 1 550 € | 178 | 12 897 |
| Bellerive-sur-Allier | 1 912 € | 1 863 € | 142 | 8 943 |
💰 Rental yield
Calculated from DVF prices and observed rents
🏠 Average rent
9.57 €/m²
monthly
💰 Gross yield
12.1 %
⏳ Payback period
8.3 years
🏘️ Rental market & tension
INSEE Housing Stock 2021 · Pinel ABC zoning · Tense areas
🏠 Main residences
85.2 %
🏖️ Secondary homes
2.6 %
🚪 Vacant homes
12.2 %
🏢 Apartments
19.3 %
80.2 % houses
🎯 Pinel zoneⓘOfficial Pinel zoning. A Bis = very high tension (Paris, French Riviera), A = high tension (metropolises), B1 = moderate, B2 = low, C = relaxed market.
C
Relaxed market
⚖️ Tense area (ALUR law)ⓘTense area under article 232 of the French Tax Code (CGI) / ALUR law. Enables rent control and applies the vacant housing tax.
No
Free rents
🏢 Social housing units
256
RPLS source
💶 Local taxation
REI · DGFIP · Exercice 2024
🏠 Property tax (built)ⓘMunicipal property tax rate on built properties (TFB). Applied to the cadastral rental value to calculate the owner's annual property tax.
46.610 %
Global rate 2024
🌾 Property tax (unbuilt)ⓘMunicipal property tax rate on unbuilt properties (TFNB): land, fields, forests.
81.880 %
🏘️ Housing tax
25.540 %
Secondary homes
🗑️ Waste collection taxⓘTEOM — Household Waste Collection Tax. Applied by the municipality or intermunicipality to finance waste collection and treatment.
15.660 %
🌾 Land tax (unbuilt) REI
40.91 %
🏢 CFE
0.64 %
👥 Demographics
API Geo + INSEE
🧑🤝🧑 Inhabitants
3 579
2023
📐 Area
7.98 km²
448 inh/km²
💶 Median income
20 490 €
📊 Median age
45.6 yrs
31.0% under 30
💼 Activity rate
72.1 %
ages 15-64
📉 Unemployment rate
13.2 %
2021 census
🎯 Poverty rateⓘShare of population living below the poverty line (60% of national median income). Source FILOSOFI 2021, calculated only for municipalities ≥ 2,000 inhabitants.
17.0 %
60% FILOSOFI threshold
🏢 Local economy & dynamism
SIRENE · INSEE
🏢 Active businesses
530
SIRENE database 2026
✨ 2024 creations
66
+65.0% vs 2023
📊 2023 creations
40
💼 Economic density
148
Businesses / 1,000 pop.
🚉 Transport & accessibility
SNCF Open Data · INSEE Urban Areas 2020
🚆 Nearest train station
Saint-Germain-des-Fossés
À 1.52 km · Segment B
🏙️ Urban attraction areaⓘUrban Attraction Areas (INSEE 2020): municipal classification based on commuting relationships with urban hubs. Main hub / secondary / suburban crown / outside.
Vichy
Suburban crown
🏛️ IntercommunalityⓘEPCI — Public Establishment for Intermunicipal Cooperation. Community of communes, agglomeration, urban or metropolitan community grouping the municipality with its neighbors.
CA Vichy Communauté
EPCI
📍 Rail access
Excellent
Station distance
📊 Niveau social des établissements
Indicateur Éducation nationale du milieu social des élèves (moyenne nationale ≈ 103). Plus élevé = plus favorisé.
🏫 Middle school IPS
| Middle school | Sector | IPS |
|---|---|---|
| COLLEGE JEAN DE LA FONTAINE | public | 99.6 |
🏥 Healthcare
BPE · FINESS
💊 Pharmacies
2
🏥 Établissements de santé
4
Source FINESS
👵 EHPAD
1
💊 Pharmacies
2
🏪 Amenities & services
BPE · INSEE
📋 Services_publics
56
📋 Commerce
15
📋 Enseignement
4
🏥 Sante
34
🚆 Transport
2
⚽ Sport
17
🛡️ Safety
SSMSI · SSMSI · Ministry of the Interior
| Indicator | Incidents | Rate ‰ | Nat. average | Gap |
|---|---|---|---|---|
| Escroqueries et fraudes aux moyens de paiement | 28 | 7.80 ‰ | 6.3 ‰ | +24 % vs moy. |
| Destructions et dégradations volontaires | 19 | 5.30 ‰ | 7.2 ‰ | -26 % vs moy. |
| Usage de stupéfiants | 13 | 3.60 ‰ | 8.4 ‰ | -57 % vs moy. |
| Violences physiques hors cadre familial | 12 | 3.40 ‰ | 4.0 ‰ | Dans la moyenne |
| Vols sans violence contre des personnes | 12 | 3.40 ‰ | 7.3 ‰ | -53 % vs moy. |
| Usage de stupéfiants (AFD) | 8 | 2.20 ‰ | 7.5 ‰ | -71 % vs moy. |
| Violences physiques intrafamiliales | 7 | 2.00 ‰ | 4.2 ‰ | -52 % vs moy. |
| Cambriolages de logement | 7 | 3.60 ‰ | 7.5 ‰ | -52 % vs moy. |
⚡ Energy performance
43 DPE · ADEME
📊 Energy rating distribution
A
20.9 %
20.9 %
B
0.0 %
C
0.0 %
D
20.9 %
20.9 %
E
30.2 %
30.2 %
F
18.6 %
18.6 %
G
9.3 %
9.3 %
27.9 % energy sieves (F-G) (F+G) — Nat. average : 17 %
💶 Energy rating impact on price per m²
🏛️ Historical heritage
Mérimée database · 1 protected monuments
| Building | Era |
|---|---|
| église | 12e siècle;15e siècle;16e siècle;18e siècle |
⚠️ Natural and technological risks
Géorisques API · 4 risks identified
Par une crue à débordement lent de cours d'eau
Transport de marchandises dangereuses
Inondation
Séisme
📡 Digital coverage
ARCEP
📶 Ultra-fast broadband
100.0 %
💧 Drinking water quality
API Hub'Eau · 4 747 analyses · SIVOM VAL D'ALLIER
⚗️ Physicochemistry
✅ Compliant
📋 analyses
4 747
⚡ EV charging stations
IRVE
🔌 Stations
2
⚡ Charge points
4
🚀 Incl. fast charging
0
🎯 Municipalities with a similar score
Same region, score close to
Albertville
73200
60/100
19 978 Inhabitants
Saint-Just-Saint-Rambert
42170
60/100
15 764 Inhabitants
Saint-Pourçain-sur-Sioule
03500
60/100
4 884 Inhabitants
Villeneuve-de-Berg
07170
60/100
3 031 Inhabitants
Le Cheylard
07160
60/100
2 803 Inhabitants
Sarras
07370
60/100
2 220 Inhabitants
Bellegarde-en-Forez
42210
60/100
2 019 Inhabitants
Moidieu-Détourbe
38440
60/100
1 978 Inhabitants
📍 Nearby municipalities
Nearest geographically
| City | Distance | Score | Pop. |
|---|---|---|---|
| Creuzier-le-Vieux | 3.6 km | 50/100 | 3 205 |
| Creuzier-le-Neuf | 3.1 km | 51/100 | 1 225 |
| Billy | 4.1 km | 58/100 | 817 |
| Charmeil | 5.1 km | 63/100 | 947 |
| Saint-Rémy-en-Rollat | 4.2 km | 55/100 | 1 774 |
| Vichy | 7.1 km | 55/100 | 25 115 |
| Cusset | 7.7 km | 70/100 | 13 316 |
| Bellerive-sur-Allier | 8.7 km | 52/100 | 8 943 |
❓ Frequently asked questions about Saint-Germain-des-Fossés
What is the price per m² in Saint-Germain-des-Fossés? ▶
The median price per m² in Saint-Germain-des-Fossés is 950 €.
What is the rental yield in Saint-Germain-des-Fossés? ▶
The gross rental yield in Saint-Germain-des-Fossés is 12.1%.
Is Saint-Germain-des-Fossés a good real estate investment? ▶
Saint-Germain-des-Fossés has a ScorCity score of 60/100, making it an interesting investment.
What is the average energy rating in Saint-Germain-des-Fossés? ▶
The most common energy rating class in Saint-Germain-des-Fossés is E.
What are the natural risks in Saint-Germain-des-Fossés? ▶
4 risks are identified in Saint-Germain-des-Fossés: Par une crue à débordement lent de cours d'eau, Transport de marchandises dangereuses, Inondation.