Investing in Monegasque real estate: winning strategies

Real estate in Monaco: a highly sought-after market for wealthy investors

Is real estate in Monaco a good investment? The Principality is attractive well beyond its borders. This destination continues to draw an ultra-wealthy clientele and is the subject of intense interest. Investing in Monégasque real estate is far from a risky move, when it can be considered. The sector guarantees a sustainable financial asset. Many attempt to break into this closed, rare, and highly regulated market. Discover the profiles and strategies of the investors that make up this high-end clientele. 

Why invest in Monégasque real estate today?

The decision is often driven by obvious advantages. The Monégasque luxury real estate market is one of the most resilient:

  • Limited supply, stable demand, and no traditional real estate crisis disrupting the market as seen in many countries. 
  • Long-term wealth investment performs strongly in this small area of the French Riviera. 
  • A particularly favorable real estate tax system in Monaco, notably with no income tax, wealth tax, or capital gains tax. 
  • The country enjoys exemplary political and economic stability. 
  • Exceptional financial health that attracts many expatriates. 
  • The picture is completed by a secure living environment with a strong international focus. 

Finally, Monaco benefits from an image that is difficult to tarnish. Its status inspires confidence for many private fortunes.

What types of real estate investments can be considered in Monaco?

A real estate investment project in Monaco can take various forms: residential or commercial real estate. The former includes: 
high-end apartments; 

  • secondary residences; 
  • off-market properties combining rarity with confidential negotiations;
  • luxury rental investments: furnished, seasonal, or long-term. 

Commercial investment also offers opportunities in hospitality and food service.

This approach offers numerous advantages, such as capital appreciation and rental yields. However, contractual obligations and market fluctuations must be closely monitored. The challenge lies in maintaining balance to maximize success. The goal: to maximize returns through high-end real estate investment in Monaco. Purchasing off-plan (VEFA – sale in future state of completion) is also an option, particularly for investors seeking access to properties still under development.

Who is investing in real estate in Monaco today?

Entrepreneurs, executives, expatriates, HNWI, private investors, business owners, athletes, and celebrities of all kinds: investor profiles vary widely. However, they all share a common objective—seeking stability combined with wealth optimization. Families looking to acquire properties to pass on to their children also represent a significant segment of this wealthy clientele. Beyond favorable taxation, the Principality works tirelessly to attract these portfolios, as demonstrated by the Monaco Private Label. 

Presented in February 2024 by the Monegasque government, its objectives are multiple: 

  • strengthening the Principality’s international attractiveness policy; 
  • integrating new residents;
  • mobilizing a high-level economic influence network.

Investing in Monaco: pitfalls to avoid to secure your project

Every seasoned investor knows that a solid investment requires an excellent strategy. Common pitfalls include: 

  • overestimating short-term rental yields; 
  • underestimating additional costs and expenses (notary, agency, registration); 
  • lack of knowledge of high-pressure areas or condominium constraints; 
  • rushing into a “love-at-first-sight” purchase without a strategy.

This is why it is recommended to be supported by a reputable real estate agency that can guide you. Do not hesitate to contact MyCrown Estates if you are considering a real estate project in the Principality.

What does MyCrown Estates offer for investing in Monaco in 2025?

  • Our agency provides a full range of high-end real estate services. Our strengths include: 
  • comprehensive market and neighborhood analysis; 
  • selection of properties with strong potential (profitability + resale); 
  • assistance with structuring (personal purchase or via a company); 
  • support with banking, tax, and administrative procedures in collaboration with Monaco-based professionals;
  • access to properties not visible to the general public.

Investing in Monaco is not an ordinary purchase. It is a comprehensive strategy. Schedule a meeting with a MyCrown Estates advisor to build your Monaco real estate investment strategy, focused on asset appreciation and off-market access.