Monaco Real Estate

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The Principality of Monaco is an independent sovereign state set in the heart of Europe, on the “Côte d’Azur” between Cannes and the Italian border. It has a resident population of approximately 35,000 and occupies just over one square mile on the Mediterranean coast. About 20% of the population is Monegasque, the remainder being a cosmopolitan mix of French, Italian, British and most other European nationalities as well as Americans, Canadians, Australians, South Africans, and Middle Eastern Nationals.

The Principality of Monaco has achieved a reputation for being a serious business centre and ideal place of residence for families wishing to live in a very safe and accessible European location with sophisticated facilities, a temperate climate and favourable tax system.

Though French is the official language, English and Italian are widely spoken and understood both in business and socially. English is the preferred foreign language for children in the highly rated local schools and is the predominant language in Monaco’s International School.

One of Monaco’s foremost attractions is the high level of security afforded to its residents due largely to the presence of a strong police force. Many of the apartment complexes have 24hr security and concierge for extra peace of mind.

The Principality legislates internally in respect of all matters of direct taxation: Monaco has chosen not to adopt any income tax, capital gains tax or withholding tax legislation. This is good news for anyone looking to purchase real estate in Monaco for a long-term home or for rental purposes.

Though undeniably built-up, Monaco still enjoys various parks and several public and private beaches.

Monaco Real Estate

The Principality is a prestige area and, as such, Monaco real estate changes hands for considerable sums. There are few bargains to be sought as can be well understood from the density and quality of much of the extant accommodation. However, its tax haven status ensures the market remains buoyant and prices stable so investment in Monaco real estate continues to be attractive.

Much of the available property in Monaco and Monte Carlo is apartments, from small studios to large luxury triplexes and penthouses. Those overlooking the harbour and Formula 1 circuit are naturally more valuable. There are also a selection of luxury villas and beautiful townhouses but these are usually somewhat more expensive.

Parking difficulties ensure that properties offering one or two spaces are highly desirable. Private purchase or rental of parking can run into several tens of thousands of Euros and, due to demand, will not necessarily be nearby.

MONACO DISTRICTS

Monaco Ville

The famous Rocher of Monaco with its fortified old town, the Prince’s Palace, the ramparts, gardens, cathedral and the Oceanographic Museum is the site most visited by tourists. Taking the time to saunter in the ancient streets, you’ll find almost 50 small boutiques containing souvenirs and local arts and crafts. When you’re hungry, charming restaurants await you, offering a large selection of regional cuisine.

Fontvieille

Fontvieille, which owes its name to an ancient spring found there, has always had an economical and industrial character. In 1905, a brewery and then a flour mill were created there, later joined by a chocolate plant and others. Today, this modern 22 hectare quarter houses numerous businesses as well as a residential neighbourhood with more than 80 stores including major name which attract shoppers from well beyond the borders of the Principality.

Jardin Exotique - Moneghetti

In Monegasque language, Moneghetti means “little Monaco”. This old quarter, which was developed toward the end of the century, combines with the Révoires and the Exotic Garden to form a large and quiet neighbourhood.

La Condamine

The natural port of Monaco has always generated commercial activities by attracting merchant ships whose cargoes could be negotiated. The oldest commercial quarter of the Principality has kept its tranquil charm and found equilibrium for its commercial diversity. The Condamine market and the proximity of the port give this neighbourhood an authentic small town feel where conviviality is the golden rule.

Monte Carlo

Built starting in 1870, during the reign of Charles III, Monte Carlo occupies the old Spelugues plateau. Surrounding the Casino, the most famous international brands offer a large choice of luxury goods. This neighbourhood contains the largest concentration of stores. Convivial and refined, Monte Carlo also has one of the most beautiful shopping centres in Europe. Today, the “boulevard des Moulins” has become a commercial artery lined with beautiful boutiques and art galleries.

Le Larvotto

This modern area is essentially knows for the private and public beaches that it offers. People will go there to simply walk around or to enjoy delicious meals by the sea.

The Agent

The estate agent will connect the buyer, the seller and a property, and will take a commission to do so.

The Notaire

The notaire (solicitor) is the Monegasque council which drafts the deed of sale and which brings together the buyer, the seller and possibly the lender for the act of signing the deed.

The notaire generally acts both for the buyer and for the seller. He is responsible for making necessary searches and enquiries such as verifying that the seller has the rights and title deeds, that there are no outstanding mortgages, no planning irregularities etc.

The intervention of the notaire certifies that the deed of sale is a document that is both conclusive and enforceable.

1. Written offer

The buyer usually has to sign an offer to buy. This is drawn up by the estate agent and if accepted, binds the parties. Often, a cheque drawn on a Monaco bank, and representing the security deposit will be attached to the offer, in order to prove the commitment of the buyer. Otherwise, the offer will specify that a bank transfer will be made to the notary's escrow account, within a short period after the offer is accepted.

Subsequently, the purchase takes place in two stages: the signing of a promise of sale drawn up by the notaire followed by the signing of the deed of sale before the notaire. The buyer must undertake to pay a security deposit equal to 10% of the sale price at the signing stage of the promise to sell, amount retained by the notaire and which will be deducted from the sale price at the signing of the deed of sale.

2. Costs and expenses

Generally, on the purchase of goods over 5 years, the costs and expenses will be equivalent to 6% of the purchase price and will have to be paid by the buyer. This 6% includes a registration fee (4.5%) and notary fees (1.5%). This rate is applicable when the purchase is made by individuals or by a Monegasque ICS. The registration fees will be higher (7.5%) when the acquisition is made through a foreign company, to which must be added notary fees of 1.5% thus making a total of 9 %.

In some cases (eg when the property is new or under construction) the registration fee will not apply and the sale price will be subject to value added tax (VAT) at the rate of 20%. The notary fees and a right of transcription will be applicable for a total amount of 2.5%, payable by the buyer, regardless of whether the buyer is an individual or a company.

3. Purchase of a foreign company

If the property is held by a foreign company, the buyer may possibly purchase this structure and in this case the registration fee will be 4.5% on top of the value of the property following the change of the owner of the foreign company.

4. Tax consequences

Monaco does not levy income tax, capital gains tax or wealth tax on individuals. French nationals residing in Monaco nevertheless pay income tax and wealth tax in France in certain circumstances.

The rights of gifting and inheritance rights exist in Monaco, but only on property located in Monaco. The rate of these fees is 0% on provisions in favour of parents, a surviving spouse, children or more distant relatives.

On other provisions, donation and inheritance taxes are payable at rates depending on the degree of relationship between the donor and the recipient. The maximum rate of 16% is applied in the case of provisions to non-parents.

The fee is payable by the recipient.

IMPORTANT - Disclaimer :
All information provided is believed to be current and provided free of charge. No liability can be accepted for the reliability of the information and statements made as this is obtained from 3rd parties. We always recommend you take legal advice from a fully qualified Lawyer or Notary before buying a property overseas.

58 properties

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Superb and rare opportunity to acquire this spacious luxury duplex penthouse apartment with fabulous views of the Port Hercules harbour and all the way to the Prince's Palace. With a total area o......

Enquire For PriceREF: 250401

2 bedroom Villa for sale with sea view in Les Moneghetti, Port and Exotic Gardens

Rare opportunity to acquire a luxurious 2 bedroom triplex apartment villa, enjoying breathtaking views from its prestigious location in Les Moneghetti, Monaco. Spread across 3 floors offering magn......

Enquire For PriceREF: 240066

4 bedroom Penthouse for sale with sea and panoramic views in Monte Carlo, Monte Carlo and Beaches

With a total spacious living area of 196m2, which is set over the top three floors of a prestigious residence in Monte Carlo and just a few minute walk from the Place du Casino. This immaculate ap......

28,000,000 EURREF: 241953

Luxury 2 bedroom Triplex for sale with sea view in Monte Carlo, Monte Carlo and Beaches

Superb penthouse situated within a high end residence with a concierge service. Beautifully refurbished to a very high standard by a high quality designer, this triplex/penthouse apartment is crow......

20,600,000 EURREF: 243825

3 bedroom Apartment for sale with sea view in Monte Carlo, Monte Carlo and Beaches

Situated on a high floor and with simply stunning sea views, this exceptional 3 bedroom apartment has been finished to the highest of standards and is enhanced by the floor-to-ceiling glass walls w......

18,700,000 EURREF: 240632

Absolutely exceptional 3 bedroom luxuriously renovated apartment enjoying panoramic sea views from its prestigious location in the Carre d'Or district of Monaco. This outstanding property is set ......

18,000,000 EURREF: 251118

Outstanding and superbly presented family apartment, on a high floor in a desirable location with extensive outdoor space and Mediterranean views. Recently renovated with high-end finishes, thi......

17,900,000 EURREF: 251039

Luxury 3 bedroom Apartment for sale with sea view in Monte Carlo, Monte Carlo and Beaches

Immaculate 3 bedroom apartment with a vast total living area of 277m2, plus a large 47m2 terrace, ideally situated on a high floor in one of the best-known developments in the Principality, with wo......

17,500,000 EURREF: 221990

Luxury waterfront apartment, located in the heart of Monaco, in the prestigious Carre d'Or district, between the renowned Casino and the Mediterranean Sea. Just steps away from the Thermes Marins......

16,900,000 EURREF: 251160

Luxuriously renovated 3 bedroom apartment with beautiful communal gardens and pool, enjoying breathtaking sea views from its idyllic location in La Rousse, Monte Carlo. This excellent residence is......

15,000,000 EURREF: 249232

2 bedroom Apartment for sale with sea view in Carre d'Or Golden Square, Monte Carlo and Beaches

Absolutely beautiful, luxuriously refurbished 2 bedroom apartment with communal pool, enjoying breathtaking sea views from its prestigious location near the beach and all amenities in the heart of ......

14,800,000 EURREF: 240060

Absolutely exceptional 4 bedroom luxuriously renovated apartment enjoying panoramic sea views from its sought after location in Anse du Portier, Mareterra. This outstanding property faces the por......

13,650,000 EURREF: 251133

Absolutely exceptional 2 bedroom luxury Penthouse apartment with Jacuzzi, enjoying breathtaking sea views from its sought after location in the heart of Monaco. This unique property offers spectac......

12,900,000 EURREF: 248635

3 bedroom Penthouse for sale with sea view in Monte Carlo, Monte Carlo and Beaches

Immaculately presented throughout, this superb 3 bedroom penthouse/duplex apartment, with a large roof terrace offering magnificent views towards the sea and the Palace, set within a Bourgeois buil......

12,800,000 EURREF: 240715

Enjoying breathtaking sea views from its sought after location in Jardin Exotique, is this absolutely exceptional 2 bedroom fully furnished luxury apartment with communal pool, tennis court and gym......

11,900,000 EURREF: 251027

Wow factor 3 bedroom Apartment for sale with sea view in Monte Carlo, Monte Carlo and Beaches

Absolutely exceptional 3 bedroom luxury apartment with cellar, enjoying panoramic sea views from its prestigious location near the beach and all amenities near the heart of Monte Carlo. Set on the......

11,500,000 EURREF: 244474

3 bedroom Apartment for sale in La Condamine, Port and Exotic Gardens

Luxurious and totally refurbished 3 bedroom apartment, situated within a recent building located in a central position right in the heart of Condamine, close to the famous pedestrian streets, shops......

9,950,000 EURREF: 241150

3 bedroom Apartment for sale with sea view in Monte Carlo, Monte Carlo and Beaches

Beautifully refurbished throughout, this spacious renovated 3 bedroom apartment, with a total living area of 244m2, plus a large veranda and terrace, is ideally situated within a highly sought afte......

9,400,000 EURREF: 233517

Luxuriously renovated 3 bedroom apartment with garage, enjoying breathtaking sea views from its prestigious location close to the beach and all amenities in Monte Carlo. Situated on Avenue de Gran......

8,000,000 EURREF: 249000

Luxury 2 bedroom Apartment for sale in Monte Carlo, Monte Carlo and Beaches

Set within a renowned building located in the middle of the Golden Square and facing Casino gardens, with indoor swimming pool, sauna, sports hall, caretaker's lodge and 24 hour security, this supe......

7,950,000 EURREF: 244115

Absolutely exceptional 2 bedroom luxurious fully furnished apartment ideally located near all amenities in the sought after area of Carre d'Or. Situated in the prestigious Montaigne residence, thi......

7,800,000 EURREF: 251203

Superb luxury apartment in a highly desirable location with fabulous sea views, just a 2 minute walk from the Monaco Casino and Larvotto beach. This new fifth floor 2 bedroom apartment is situated......

7,500,000 EURREF: 245790

3 bedroom Apartment for sale in Monte Carlo, Monte Carlo and Beaches

Beautifully renovated, exceptional luxurious 3 bedroom apartment with cellar, located in the prestigious Carre d'Or. Monte Carlo. Ideal for a family, the 145m2 is comprised of 3 en-suite bedrooms,......

7,400,000 EURREF: 233509

3 bedroom Apartment for sale in Monte Carlo, Monte Carlo and Beaches

Bright, spacious and beautifully presented 3 bedroom apartment, situated on the 14th floor of a good standing building close to the centre and all amenities in Monte Carlo. Totally refurbished to ......

7,250,000 EURREF: 240113

Luxury 2 bedroom Apartment for sale with sea view in Jardin Exotique, Port and Exotic Gardens

Absolutely outstanding 2 bedroom apartment with pool and parking, enjoying panoramic sea views from its location near all amenities in Jardin Exotique. The residence has a Caretaker's lodge, comm......

6,900,000 EURREF: 244797

2 bedroom Apartment for sale with sea view in Monte Carlo, Monte Carlo and Beaches

Well maintained 2 bedroom 12th floor apartment, situated within the highly sought after Chateau Perigord residence, which is close to the centre of Monte Carlo and all amenities. The residence has......

6,450,000 EURREF: 241006

Luxury 3 bedroom Apartment for sale in Saint Roman, Monte Carlo and Beaches

Enjoying easy access to the beach is this spacious and bright 3 bedroom apartment located in an attractive building at the eastern entrance of Monaco in the St Roman district. This bright and airy......

5,800,000 EURREF: 225886

Spacious 3 bedroom Apartment for sale in Boulevard d'Italie, Monte Carlo and Beaches

Spacious 3 bedroom apartment with generous outdoor space on the boulevard d'Italie, within easy reach of all facilities. The generous 180m2 property includes an entrance hall, large living room -......

5,800,000 EURREF: 235931

Wow factor 1 bedroom Duplex for sale with sea view in La Condamine, Port and Exotic Gardens

Stylish new apartment in the state-of-the-art Le Stella building in the bustling and historic district of La Condamine. This new 2 roomed apartment is found in the well-received and recent constr......

5,500,000 EURREF: 235929

Totally renovated 2 bedroom apartment situated in a charming building just a couple of steps from the Golden Square and Port Hercule. With a living area of 187m2, features include an entrance hal......

5,500,000 EURREF: 246716

Luxury 2 bedroom Apartment for sale in Carre d'Or Golden Square, Monte Carlo and Beaches

Rare opportunity to acquire a luxuriously renovated 2 bedroom apartment ideally located in the prestigious area of Monaco's Golden Square. This bright and spacious property is situated just momen......

5,300,000 EURREF: 242991

In excellent condition throughout, this elegant 2 bedroom apartment has been recently renovated using high-quality materials, offering a comfortable living environment with a contemporary design. ......

4,850,000 EURREF: 249827

Luxury 1 bedroom Apartment for sale with sea view in Saint Roman, Monte Carlo and Beaches

Enjoying amazing sea views is this stylishly and elegantly renovated one bedroom fully furnished luxury apartment, ideally located near the beach and all amenities in La Rousse, Saint Roman. Situa......

4,700,000 EURREF: 245278

Absolutely outstanding one bedroom fully furnished and luxuriously renovated apartment, ideally located near all amenities in the heart of Monte Carlo. Situated on the third floor of a luxury bu......

4,600,000 EURREF: 250609

Exceptional 2 bedroom luxury apartment with large terrace, ideally located near all amenities in La Condamine, Monaco. This spacious and bright property of 100m2 comprises of a living and dining r......

4,500,000 EURREF: 245866

1 bedroom Duplex for sale in Monte Carlo, Monte Carlo and Beaches

Spacious and totally refurbished 1 bedroom duplex apartment, with a spacious living area of 100m2, situated within one of the most beautiful and well-known developments in the Principality, close t......

4,200,000 EURREF: 240162

Renovated 1 bedroom Apartment for sale with sea view in Saint Roman, Monte Carlo and Beaches

A bright and newly renovated 2 room property with lovely sea view and easy access to the beaches of Larvotto, the shops of Avenue Princess Grace and an enviable dining scene. This lovely 1 be......

3,950,000 EURREF: 235934

Beautiful 1 bedroom apartment located in a modern building close to the beach and the Place des Moulins. Parking spaces: 1 Terrace: 11m2 Modern building Concierge service......

3,400,000 EURREF: 250207

Situated within a good standing building with a concierge service, with a beautifully renovated entrance hall and in a unique position on the Harbour. With a living area of 72m2, which includes a ......

3,350,000 EURREF: 247204

Character 1 bedroom Apartment for sale in The Rock, Port and Exotic Gardens

Bright and sunny apartment with terracing in the heart of the Rock district in between the Town Hall and Princes Palaces with lovely views over the old town rooves. This charming 2 roomed proper......

3,250,000 EURREF: 235933

Stylishly renovated 2 bedroom apartment located in the Old Town area of Monaco. The well designed property comes with living space of 80m2 with 2 bedrooms and 2 shower rooms, an open-plan living r......

2,900,000 EURREF: 248333

Apartment with 2 main rooms composed of an entrance hall, living room with access onto a balcony with slight sea views, an independent kitchen, shower room with a WC and a bedroom opening onto a ba......

2,780,000 EURREF: 245996

Bright 1 bedroom Apartment for sale in Monte Carlo, Monte Carlo and Beaches

Bright 1 bedroom apartment, situated within a period building with a lift, located boulevard d'Italie, close to all amenities and beaches. With a living area of 60m2 offering high ceiling and a c......

2,750,000 EURREF: 243333

Luxurious one bedroom apartment enjoying sea views from its sought after location on the Fontvielle Marina, Monaco. Set in a modern building close to an abundance of amenities and transport links,......

2,290,000 EURREF: 250899

1 bedroom Apartment for sale in Monte Carlo, Monte Carlo and Beaches

Totally refurbished 1 bedroom apartment, situated within a top-of-the-range building with luxurious services and reserved access. Features include: open plan living/dining room with an open plan k......

2,100,000 EURREF: 240161

Bright 1 bedroom apartment located in a residential district and with the possibility of using as an office. With a living area of 55m2, features include: entrance hall with storage, a small fitte......

2,250,000 EURREF: 249127

1 bedroom Studio for sale with sea view in Carre d

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Monaco Real Estate

MONACO DISTRICTS

Monaco Ville

Fontvieille

Jardin Exotique - Moneghetti

La Condamine

Monte Carlo

Le Larvotto

The Agent

The Notaire

1. Written offer

2. Costs and expenses

3. Purchase of a foreign company

4. Tax consequences

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