{"id":89535,"date":"2026-10-22T09:30:00","date_gmt":"2026-10-22T07:30:00","guid":{"rendered":"https:\/\/continentale.mc\/?p=89535"},"modified":"2026-10-21T16:03:57","modified_gmt":"2026-10-21T14:03:57","slug":"buying-monaco-budget-3-5-million-euros","status":"publish","type":"post","link":"https:\/\/continentale.mc\/en\/buying-monaco-budget-3-5-million-euros\/","title":{"rendered":"Buying in Monaco with \u20ac3.5 million: which properties can you realistically consider?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">A parking space when you arrive, a bedroom with a door that closes, an apartment that is easy to look after between stays. Before anyone talks about square meters, a purchase in Monaco often starts with preferences as concrete as these. With a budget of around \u20ac3.5 million, they point the search toward quite different properties, sometimes only a few streets apart.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">What can you find in our portfolio today for less than \u20ac3.5 million in Monaco? A renovated one-bedroom apartment at the Grande Bretagne, a studio with parking at Le 45G, or two one-bedroom apartments at La Radieuse. To choose, let\u2019s start with your priorities and the budget you want to allocate to the acquisition as a whole.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comparing properties through your daily life<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A main residence and an apartment used a few weeks a year do not answer the same needs. If you live there all year round, a separate bedroom, storage space and proximity to your usual routes can be decisive. For a pied-\u00e0-terre, you may prefer a home that is easy to maintain and a parking space when you arrive.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Describe what you expect from the apartment before ranking properties by size. Do you want to work from home, host family and friends or eat outdoors? An open living room, a separate kitchen or a cellar may then matter more than a few extra square meters. We can start from these preferences to guide your search.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Property price and acquisition budget<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Does the \u20ac3.5 million correspond to the price of the apartment or to your budget for the whole transaction? This distinction helps you set the right search limit. Agency fees payable by the buyer, the costs and duties related to the deed, any financing and the improvements you have in mind all need to be included in the calculation. The figures depend on the transaction you are considering.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plan for the costs after the purchase as well. Service charges, equipment maintenance and any works to be carried out can change the budget from one home to another. Keeping a reserve for these items lets you choose the apartment without later giving up an improvement that matters to you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Building a shortlist that suits you<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Identify what is essential and where you are prepared to be flexible. A separate bedroom may be a must, while the district remains open. For another project, parking or outdoor space will come first. These priorities help you keep apartments that you can usefully compare.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your timing counts too. A home that is already let does not suit the same project as an apartment you want to move into quickly. If you are thinking of turning a studio into a one-bedroom apartment, have the feasibility studied before adding that bedroom to your criteria. In Monaco, any change to the interior layout requires prior works authorization. Your shortlist should reflect the home as it is and the conditions under which you will be able to use it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Four options in our portfolio<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">In <a href=\"https:\/\/continentale.mc\/en\/monaco-neighborhoods\/monte-carlo\/\">Monte-Carlo<\/a>, we offer <a href=\"https:\/\/continentale.mc\/en\/property\/renovated-two-room-apartment-near-the-center-for-sale-monte-carlo-monaco-monaco-ref2pv_grand-bretagne\/\">a renovated one-bedroom apartment at the Grande Bretagne<\/a> for \u20ac2,795,000, with an advertised surface of approximately 52 sqm. The living room with open kitchen and the separate bedroom each have a balcony. The building has a concierge service and is close to the shops of boulevard des Moulins.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In La Condamine, <a href=\"https:\/\/continentale.mc\/en\/property\/mixed-use-studio-in-a-new-building-for-sale-condamine-monaco-monaco-refavc_45\/\">our studio at Le 45G<\/a> is offered at \u20ac2,750,000, with a parking space and an advertised total surface of approximately 74 sqm. It includes a large living room, a separate kitchen and a shower room. The apartment is currently let, so the occupancy conditions should be reviewed against your project.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">At La Radieuse, in the La Rousse &#8211; Saint Roman district, we offer <a href=\"https:\/\/continentale.mc\/en\/property\/la-radieuse-bright-2-room-apartment-fully-furnished-for-sale-la-rousse-saint-roman-monaco-monaco-ref2pv_laradieuse_4e\/\">a fully furnished one-bedroom apartment<\/a> for \u20ac3,200,000. Its total surface of approximately 59 sqm includes some 56 sqm of interior space and a 3 sqm terrace. It has a living room with open kitchen and a work area, as well as a bedroom with an en-suite shower room and a sea view.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In the same building, <a href=\"https:\/\/continentale.mc\/en\/property\/renovated-2-room-apartment-with-terrace-la-radieuse-for-sale-la-rousse-saint-roman-monaco-monaco-ref2pv_radieuse\/\">another renovated one-bedroom apartment<\/a> is offered at \u20ac3,400,000. It has approximately 50 sqm of interior space and a 20 sqm terrace, for 70 sqm in total. Its dual east-west aspect, fitted open kitchen and storage make a different daily life possible, with more outdoor space.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These four options give your search different starting points. Depending on your priorities, you may prefer a separate bedroom in Monte-Carlo, a studio with parking in La Condamine or a one-bedroom apartment with a terrace at La Radieuse. The purchase price is one element of the choice, to be weighed against the layout, the service charges and the occupancy conditions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Refining your choice during viewings<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A viewing lets you check what the floor plan and the photographs made you want to discover. In the living room, picture the furniture you want to keep. Look at the storage, how the windows open and how you move from one room to another. If a parking space comes with the property, test the access with your car, then walk the route between the space and the apartment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The neighborhood reveals itself at the same time. Coming back with shopping, the trip to your workplace or family arriving can change your preference. After the viewings, go back to your initial priorities and the costs you have planned. You can then choose an apartment for the comfort it will bring you day to day, with a budget you have prepared. To review the full purchase process, see our guide <a href=\"https:\/\/continentale.mc\/en\/buying-property-in-monaco-key-steps-to-know\/\">Buying property in Monaco: the key steps to know<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently asked questions<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Can you buy a one-bedroom apartment in Monaco with \u20ac3.5 million?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yes. We offer a one-bedroom apartment at the Grande Bretagne for \u20ac2,795,000 and two one-bedroom apartments at La Radieuse, for \u20ac3,200,000 and \u20ac3,400,000. To check which one fits your project, you also need to budget for acquisition costs and clarify the occupancy conditions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Does a larger total surface mean more interior space?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Not necessarily. Ask for the breakdown between interior and exterior surfaces, then look at the floor plan. The layout and the possibility of a separate bedroom can matter more than the total shown.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is parking always included in the price?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. Whether there is a space and whether it is included in the sale must be checked for each listing. Also ask about the features of the space and the charges attached to it.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can you move straight into a property sold with a tenant?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No. The lease, the applicable regime and the conditions for vacating the property must be reviewed with the relevant professionals. Do not plan a move based only on the intended purchase date.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Should your whole budget go on the price of the apartment?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">First plan for the transaction costs and the expenses after the purchase. A margin can be useful for equipment, maintenance or improvements. How much depends on your project.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Let\u2019s talk about your project in Monaco<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Are you preparing a purchase with a budget of around \u20ac3.5 million? At Agence Continentale, we have been helping buyers in Monaco since 1948 to match a selection of properties to their project. <a href=\"https:\/\/continentale.mc\/en\/contact\/\">Contact us<\/a> to discuss it: +377 93 50 54 64, <a href=\"mailto:contact@continentale.mc\">contact@continentale.mc<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying in Monaco with \u20ac3.5 million: compare four properties at the Grande Bretagne, Le 45G and La Radieuse according to your budget and priorities.<\/p>\n","protected":false},"author":1,"featured_media":89528,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"categories":[409,421],"tags":[],"class_list":["post-89535","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buy-sell-rent-in-monaco","category-guides-tips"],"_links":{"self":[{"href":"https:\/\/continentale.mc\/en\/wp-json\/wp\/v2\/posts\/89535","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/continentale.mc\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/continentale.mc\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/continentale.mc\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/continentale.mc\/en\/wp-json\/wp\/v2\/comments?post=89535"}],"version-history":[{"count":0,"href":"https:\/\/continentale.mc\/en\/wp-json\/wp\/v2\/posts\/89535\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/continentale.mc\/en\/wp-json\/wp\/v2\/media\/89528"}],"wp:attachment":[{"href":"https:\/\/continentale.mc\/en\/wp-json\/wp\/v2\/media?parent=89535"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/continentale.mc\/en\/wp-json\/wp\/v2\/categories?post=89535"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/continentale.mc\/en\/wp-json\/wp\/v2\/tags?post=89535"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}