— Occitanie · Lot · 354 inhabitants
Public indicators aggregated at commune level: housing market, services, safety, environment. Official sources, updated as of May 2026.
Per-theme summary derived from sourced indicators. Tap a theme for the detail.
Synthetic indicators. Sourced thematic detail below.
Median price per m²
1 570 €/m²
last 5 years of recorded sales
DVF — DGFiP · 2025 — indicative
Rank 159 of 262 communes in the Lot département
See detail →Energy-sieve homes (EPC F or G)
21 %
share of poorly-insulated private homes
ADEME · 2026
Rank 183 of 313 communes in the Lot département
See detail →GP access (APL)
4,4 c/an/hab
DREES index — under-served threshold = 2.5
DREES · 2024
Rank 11 of 313 communes in the Lot département
See detail →Fiber rollout
100 %
fiber-eligible homes
ARCEP · 2025
Rank 1 of 312 communes in the Lot département
See detail →Recorded crime
0,0 / 1 000 hab/an
offences recorded by law enforcement
SSMSI · 2025
Rank 1 of 312 communes in the Lot département
See detail →Water hardness
38 °f
soft <15, medium 15-30, hard 30-40, very hard >40
SISE-Eaux ARS · 2025
Rank 257 of 263 communes in the Lot département
See detail →Median disposable income
20 580 €/UC/an
per consumption unit
Filosofi — INSEE · 2021
Rank 214 of 286 communes in the Lot département
Population change
+0,3 % / 5 ans
cumulative variation INSEE census (2017→2022)
INSEE RP · 2025
Rank 162 of 313 communes in the Lot département
Every value carries its source and year. What is not measured here is not shown — never replaced by an average.
Median rent
8,1 €/m²/mois
private market rent observatory ANIL
ANIL · 2025
Property tax rate (TFB)
46,8 %
voted built-property tax global rate
DGFiP REI · 2024
Median heating cost
1 243 €/an
from energy certificates issued in the town
DPE — ADEME · 2026
Median property tax
5,65 €/m²/an
amount per m², not the voted rate
DGFiP · 2020 — indicative
Median rent — house
7,1 €/m²/mois
apartment rent alone misses half the market
Carte des loyers — ANIL · 2025 — indicative
Homes empty for over 2 years
12,1 %
structural vacancy — long-empty homes signal a market with no takers
LOVAC — DGALN · 2025
Second homes
30 %
share of housing — a high value means an off-season ghost town
Filocom — DGFiP · 2025
Housing built before 1949
32 %
older stock — character, and heavier insulation work
Filocom — DGFiP · 2025
Schools in town
1
primary-level schools, state and private
Annuaire de l’éducation — MENJ · 2026
Oil heating
26 %
share of dwellings — the energy most exposed to price and regulation
DPE — ADEME · 2026
Radon potential
faible
natural radioactive soil gas — leading cause of lung cancer after tobacco
IRSN
Solar irradiation
1 596 kWh/m²/an
solar energy received at ground level over a year
PVGIS — Commission européenne · 2023
Nitrates in tap water
10 mg/L
legal limit 50 mg/L (EU directive 2020/2184)
SISE-Eaux — ARS · 2025
Chlorine in tap water
0,56 mg/L
disinfection is mandatory; taste becomes noticeable from about 0.3 mg/L
SISE-Eaux — ARS · 2025
Pesticides applied
0,6 kg/ha
amount per hectare of farmland — field use, not a concentration in water
BNV-D — ministère de l’Agriculture · 2023
Unemployment rate
9,8 %
share of 15-64 year-olds unemployed
Filosofi — INSEE · 2021
1 570 €/m²
From 848 €/m² to 2 098 €/m² depending on the area, across 12 sales.
DVF median of recent notarial transactions. French median ≈ €2,800/m². Cross-check with DPE and listing age to estimate negotiation margin.
Source: DVF — DGFiP
8,1 €/m²/mois
Median rent per m² observed by ANIL observatories. Compare with purchase price for gross rental yield.
Source: ANIL Observatoires des loyers · 2025Reliability high
21 %
Share of homes labelled F or G in the surveyed stock (French median ≈ 18%). Climate Act: rental ban for G in 2025, F in 2028, E in 2034.
Source: ADEME Observatoire DPE · 2026Reliability high
1,7 %
of territory in U or open AU zones
Share of commune area classified as buildable in the local plan (urban U zones + open to-urbanise AUc zones). The precise rules — height, footprint, setback — depend on the exact zone of the parcel.
Source: Géoportail de l'Urbanisme (GPU)Reliability high
1,6 %
of territory already urbanised
Share of area in U zones of the local plan — already-urbanised sectors, open to immediate construction subject to the zone rules.
Source: Géoportail de l'Urbanisme (GPU)Reliability high
38
PLU zoning areas
The commune has a digitised PLU/PLUi published on the Géoportail de l'Urbanisme, split into 38 zones. Without a PLU, the National Planning Regulation (RNU) applies.
Source: Géoportail de l'Urbanisme (GPU)Reliability high
Zoning from the Géoportail de l'Urbanisme (GPU). Indicative at commune scale — for the buildability of a precise parcel, consult the PLU at the town hall.
4,36
consultations / year / inhabitant
DREES APL indicator — French median ≈ 3.5. Tension threshold at 2.5: below this level, the commune is a medical desert.
Source: DREES Indicateur APL · 2024Reliability high
100 %
Share of premises reachable by optical fibre (ARCEP). French median ≈ 75%. Tenant-attraction lever and near-mandatory residential criterion in 2026.
Source: ARCEP Observatoire fibre · 2025Reliability medium
1,0 km
225 kV · HTB
Source : RTE · OSM · measured from the town centre
992 m
PRANGERE BENOIT
Source : DGPR · Géorisques · measured from the town centre
0
per 1,000 inhabitants
Offences recorded by police/gendarmerie (French median ≈ 35). Includes property, personal and drug offences. Honest reading: compare to neighbouring communes.
Source: SSMSI — Ministère de l'Intérieur · 2025Reliability medium
1
ICPE within 1 km (average)
Average number of classified facilities (ICPE) within 1 km around the commune (DGPR). Seveso = major industrial risk, ICPE = facilities subject to authorisation/registration.
Source: DGPR Géorisques · 2025Reliability high
Yes
Commune covered by a flood-risk plan (PPRi)
This commune is covered by a Flood Risk Prevention Plan (PPRi). Consequences: mandatory Buyer/Tenant Information (IAL), permit restrictions, home insurance surcharge. For the precise parcel-level zoning, see Géorisques.
Source: Géorisques PPRi · 2025Reliability high
38 °f
Hydrotimetric titre (French median ≈ 22 °f). Below 15 = soft ; 22-32 = hard ; above = very hard (scaling, energy overconsumption).
Source: ARS — SISE-Eaux · 2025Reliability medium
0,6 kg/ha
Phytosanitary sales per cultivated hectare at département level (French median ≈ 1.2 kg/ha). Exposure indicator for residents.
Source: BNV-D (OFB) · 2023
1596 kWh/m²/an
Annual horizontal solar irradiation (PVGIS). French median ≈ 1,320 kWh/m²/year. Above 1,500 = very favourable (8-10 year ROI for panels), below 1,100 = longer ROI (12-15 years). MaPrimeRénov subsidy + self-consumption available.
Source: PVGIS European Commission · 2023Reliability high
— Live calculations
On this page, 6 calculations with the real figures for Saint-Michel-de-Bannières: whether to buy or rent, how much to negotiate, the monthly mortgage payment, the net rental yield, the monthly cashflow and the energy bill.
Method and assumptions detailed in Transparency.