Simulate your energy renovation

The 2028 deadline in figures, and what it changes for you

If you are here, it is often because a date is approaching. The rental ban timetable is already written into the Climate and Resilience Act, and it concerns roughly 1.1 million homes in the private rental stock.

The timetable in force

These dates stem from the Climate and Resilience Act of 22 August 2021. A home banned from letting remains habitable and sellable: it is the letting itself, and lease renewal, that become impossible.

The cities with the largest number of F-rated homes, by volume

This ranking is by VOLUME, not by rate — it shows where demand for renovation work will concentrate, and therefore where tradesmen will be stretched. Paris alone accounts for nearly 93,400 F-rated private rental homes. Do not read it as a ranking of exposure: Marseille and Toulouse appear here because of their size, whereas at 2.5% and 2.8% F-rated they sit well below the national rate of 7.9%. The municipalities most exposed in proportion have a very different profile — Saint-Mandé peaks at 17.2%, Soisy-sous-Montmorency at 16.8%.

The mistakes that cost the most

1. 1

   Filing your grant application too late

   Your MaPrimeRénov’ application must be filed with UNSIGNED quotes, and the quote is only signed after the Anah notifies its approval. CEE bonuses, for their part, must be committed with the obligated party before the quote is signed. The two schemes have their own timings: a France Rénov’ adviser, free of charge, will set out the calendar.

   What it changes: This is the leading cause of rejection. The grants concerned are permanently lost, and the remaining cost shown by the simulator becomes the real cost, payable in full.

2. 2

   Adding MaPrimeRénov’ and CEE together with no cap

   Combining MaPrimeRénov’ with CEE bonuses is capped at a fraction of eligible spending that depends on your income bracket — this is known as écrêtement. Beyond the cap, the CEE bonuses are kept and it is MaPrimeRénov’ that is reduced accordingly.

   What it changes: A financing plan built on the raw sum of both schemes overstates the grants, sometimes by several thousand euros. The effect is sharpest for middle and higher-income households, whose cap is lowest.

3. 3

   Expecting MaPrimeRénov’ for wall insulation

   Since the decree of 20 February 2026, backdated to 1 January 2026, internal and external wall insulation and biomass boilers are no longer funded by MaPrimeRénov’ on a measure-by-measure basis. They are funded only within the supported pathway, reserved for homes rated E, F or G before works and conditional on a gain of at least two classes. CEE bonuses do remain available for these measures.

   What it changes: A package centred on the walls can show €0 of MaPrimeRénov’ if your home is already rated D or better, or if the target gain is only one class. Worth knowing before requesting quotes.

4. 4

   Entering an income that is not the reference tax income

   The grant bracket is computed on the household’s reference tax income — the figure on your tax notice — not on net salary nor on one person’s income. The ceilings also differ between Île-de-France and the rest of the country: for a single person in the "very modest" bracket, €24,031 in Île-de-France against €17,363 elsewhere.

   What it changes: A single bracket of difference already changes the flat amount for each measure: €5,000 against €4,000 for an air-to-water heat pump between "very modest" and "modest". Two brackets of difference widen the gap to €5,000 against €3,000.

5. 5

   Simulating from a pre-2026 label

   The primary-energy coefficient applied to electricity fell from 2.3 to 1.9 on 1 January 2026. A certificate issued before that date may show a class that is no longer the home’s, especially where heating is electric. The simulator reminds you when it detects this case.

   What it changes: The number of classes gained by the works changes, and with it the applicable grant pathway and the spending cap. Get ADEME’s free attestation before simulating.

6. 6

   Not checking the coherence of the starting certificate

   The simulator starts from your certificate’s data: floor area, declared insulation, heating system. Across an observable sub-sample of 689,279 analysed certificates, 11.1% show at least one major inconsistency on one of the checked items, and 41.3% an inconsistency of any severity. These are rates of analysed certificates, not of homes in France.

   What it changes: If the declared insulation does not match the actual building, the simulated class gain and grant amounts start from a false basis. Having the certificate checked before costing a package avoids sizing the works wrongly.

What makes the difference over the next 18 months

Leaving class F rarely takes a single measure: it is generally by combining insulation with the heating system that you move up several letters. The simulator above quantifies the gain of each combination for your specific home — that is the calculation to run before committing to anything, rather than relying on a rule of thumb.

One point does apply to everyone, though: your MaPrimeRénov’ application must be filed with UNSIGNED quotes, and the quote is only signed after the Anah notifies its approval. A quote signed before filing makes the works ineligible — it is the leading cause of rejection, and the costliest mistake we see.

A final watch-point: co-ownerships. If your heating or hot water is collective, the corresponding works require a general-assembly vote and fall under a separate grant bracket. Plan well ahead — the audit, the vote and then the works follow the rhythm of general assemblies, which are usually annual.

Frequently Asked Questions about Renovation Works