{
  "dataset": "barometre-expert-emprunteur-2026",
  "publisher": "Expert-Emprunteur",
  "license": "CC BY 4.0",
  "license_url": "https://creativecommons.org/licenses/by/4.0/",
  "source_url": "https://expert-emprunteur.fr/barometre-assurance-emprunteur-2026",
  "citation": "Expert-Emprunteur (2026). Baromètre de l'assurance emprunteur. https://expert-emprunteur.fr/barometre-assurance-emprunteur-2026",
  "published_at": "2026-04-19",
  "methodology": {
    "bank_taea": 0.0036,
    "delegation_taea": 0.0014,
    "duration_years": 20,
    "sources": [
      "ACPR 2024",
      "INSEE",
      "Magnolia 2025"
    ]
  },
  "aggregates": {
    "cities_count": 32,
    "avg_saving_eur": 8847,
    "avg_saving_pct": 61,
    "max_saving_city": {
      "city": "Paris",
      "saving_eur": 13728
    },
    "min_saving_city": {
      "city": "Saint-Étienne",
      "saving_eur": 6248
    }
  },
  "rows": [
    {
      "rank": 1,
      "city": "Paris",
      "slug": "paris",
      "region": "Île-de-France",
      "avg_loan_eur": 312000,
      "bank_cost_eur": 22464,
      "delegation_cost_eur": 8736,
      "saving_eur": 13728,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/paris"
    },
    {
      "rank": 2,
      "city": "Nice",
      "slug": "nice",
      "region": "Provence-Alpes-Côte d'Azur",
      "avg_loan_eur": 282000,
      "bank_cost_eur": 20304,
      "delegation_cost_eur": 7896,
      "saving_eur": 12408,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/nice"
    },
    {
      "rank": 3,
      "city": "Lyon",
      "slug": "lyon",
      "region": "Auvergne-Rhône-Alpes",
      "avg_loan_eur": 268000,
      "bank_cost_eur": 19296,
      "delegation_cost_eur": 7504,
      "saving_eur": 11792,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/lyon"
    },
    {
      "rank": 4,
      "city": "Bordeaux",
      "slug": "bordeaux",
      "region": "Nouvelle-Aquitaine",
      "avg_loan_eur": 258000,
      "bank_cost_eur": 18576,
      "delegation_cost_eur": 7224,
      "saving_eur": 11352,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/bordeaux"
    },
    {
      "rank": 5,
      "city": "Nantes",
      "slug": "nantes",
      "region": "Pays de la Loire",
      "avg_loan_eur": 245000,
      "bank_cost_eur": 17640,
      "delegation_cost_eur": 6860,
      "saving_eur": 10780,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/nantes"
    },
    {
      "rank": 6,
      "city": "Villeurbanne",
      "slug": "villeurbanne",
      "region": "Auvergne-Rhône-Alpes",
      "avg_loan_eur": 245000,
      "bank_cost_eur": 17640,
      "delegation_cost_eur": 6860,
      "saving_eur": 10780,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/villeurbanne"
    },
    {
      "rank": 7,
      "city": "Toulouse",
      "slug": "toulouse",
      "region": "Occitanie",
      "avg_loan_eur": 235000,
      "bank_cost_eur": 16920,
      "delegation_cost_eur": 6580,
      "saving_eur": 10340,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/toulouse"
    },
    {
      "rank": 8,
      "city": "Rennes",
      "slug": "rennes",
      "region": "Bretagne",
      "avg_loan_eur": 232000,
      "bank_cost_eur": 16704,
      "delegation_cost_eur": 6496,
      "saving_eur": 10208,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/rennes"
    },
    {
      "rank": 9,
      "city": "Montpellier",
      "slug": "montpellier",
      "region": "Occitanie",
      "avg_loan_eur": 228000,
      "bank_cost_eur": 16416,
      "delegation_cost_eur": 6384,
      "saving_eur": 10032,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/montpellier"
    },
    {
      "rank": 10,
      "city": "Strasbourg",
      "slug": "strasbourg",
      "region": "Grand Est",
      "avg_loan_eur": 218000,
      "bank_cost_eur": 15696,
      "delegation_cost_eur": 6104,
      "saving_eur": 9592,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/strasbourg"
    },
    {
      "rank": 11,
      "city": "Marseille",
      "slug": "marseille",
      "region": "Provence-Alpes-Côte d'Azur",
      "avg_loan_eur": 215000,
      "bank_cost_eur": 15480,
      "delegation_cost_eur": 6020,
      "saving_eur": 9460,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/marseille"
    },
    {
      "rank": 12,
      "city": "Grenoble",
      "slug": "grenoble",
      "region": "Auvergne-Rhône-Alpes",
      "avg_loan_eur": 215000,
      "bank_cost_eur": 15480,
      "delegation_cost_eur": 6020,
      "saving_eur": 9460,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/grenoble"
    },
    {
      "rank": 13,
      "city": "Angers",
      "slug": "angers",
      "region": "Pays de la Loire",
      "avg_loan_eur": 202000,
      "bank_cost_eur": 14544,
      "delegation_cost_eur": 5656,
      "saving_eur": 8888,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/angers"
    },
    {
      "rank": 14,
      "city": "Lille",
      "slug": "lille",
      "region": "Hauts-de-France",
      "avg_loan_eur": 198000,
      "bank_cost_eur": 14256,
      "delegation_cost_eur": 5544,
      "saving_eur": 8712,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/lille"
    },
    {
      "rank": 15,
      "city": "Toulon",
      "slug": "toulon",
      "region": "Provence-Alpes-Côte d'Azur",
      "avg_loan_eur": 198000,
      "bank_cost_eur": 14256,
      "delegation_cost_eur": 5544,
      "saving_eur": 8712,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/toulon"
    },
    {
      "rank": 16,
      "city": "Tours",
      "slug": "tours",
      "region": "Centre-Val de Loire",
      "avg_loan_eur": 195000,
      "bank_cost_eur": 14040,
      "delegation_cost_eur": 5460,
      "saving_eur": 8580,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/tours"
    },
    {
      "rank": 17,
      "city": "Dijon",
      "slug": "dijon",
      "region": "Bourgogne-Franche-Comté",
      "avg_loan_eur": 188000,
      "bank_cost_eur": 13536,
      "delegation_cost_eur": 5264,
      "saving_eur": 8272,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/dijon"
    },
    {
      "rank": 18,
      "city": "Orléans",
      "slug": "orleans",
      "region": "Centre-Val de Loire",
      "avg_loan_eur": 188000,
      "bank_cost_eur": 13536,
      "delegation_cost_eur": 5264,
      "saving_eur": 8272,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/orleans"
    },
    {
      "rank": 19,
      "city": "Reims",
      "slug": "reims",
      "region": "Grand Est",
      "avg_loan_eur": 178000,
      "bank_cost_eur": 12816,
      "delegation_cost_eur": 4984,
      "saving_eur": 7832,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/reims"
    },
    {
      "rank": 20,
      "city": "Clermont-Ferrand",
      "slug": "clermont-ferrand",
      "region": "Auvergne-Rhône-Alpes",
      "avg_loan_eur": 178000,
      "bank_cost_eur": 12816,
      "delegation_cost_eur": 4984,
      "saving_eur": 7832,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/clermont-ferrand"
    },
    {
      "rank": 21,
      "city": "Caen",
      "slug": "caen",
      "region": "Normandie",
      "avg_loan_eur": 178000,
      "bank_cost_eur": 12816,
      "delegation_cost_eur": 4984,
      "saving_eur": 7832,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/caen"
    },
    {
      "rank": 22,
      "city": "Nîmes",
      "slug": "nimes",
      "region": "Occitanie",
      "avg_loan_eur": 175000,
      "bank_cost_eur": 12600,
      "delegation_cost_eur": 4900,
      "saving_eur": 7700,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/nimes"
    },
    {
      "rank": 23,
      "city": "Metz",
      "slug": "metz",
      "region": "Grand Est",
      "avg_loan_eur": 172000,
      "bank_cost_eur": 12384,
      "delegation_cost_eur": 4816,
      "saving_eur": 7568,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/metz"
    },
    {
      "rank": 24,
      "city": "Amiens",
      "slug": "amiens",
      "region": "Hauts-de-France",
      "avg_loan_eur": 168000,
      "bank_cost_eur": 12096,
      "delegation_cost_eur": 4704,
      "saving_eur": 7392,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/amiens"
    },
    {
      "rank": 25,
      "city": "Besançon",
      "slug": "besancon",
      "region": "Bourgogne-Franche-Comté",
      "avg_loan_eur": 168000,
      "bank_cost_eur": 12096,
      "delegation_cost_eur": 4704,
      "saving_eur": 7392,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/besancon"
    },
    {
      "rank": 26,
      "city": "Pau",
      "slug": "pau",
      "region": "Nouvelle-Aquitaine",
      "avg_loan_eur": 168000,
      "bank_cost_eur": 12096,
      "delegation_cost_eur": 4704,
      "saving_eur": 7392,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/pau"
    },
    {
      "rank": 27,
      "city": "Le Havre",
      "slug": "le-havre",
      "region": "Normandie",
      "avg_loan_eur": 165000,
      "bank_cost_eur": 11880,
      "delegation_cost_eur": 4620,
      "saving_eur": 7260,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/le-havre"
    },
    {
      "rank": 28,
      "city": "Perpignan",
      "slug": "perpignan",
      "region": "Occitanie",
      "avg_loan_eur": 162000,
      "bank_cost_eur": 11664,
      "delegation_cost_eur": 4536,
      "saving_eur": 7128,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/perpignan"
    },
    {
      "rank": 29,
      "city": "Le Mans",
      "slug": "le-mans",
      "region": "Pays de la Loire",
      "avg_loan_eur": 158000,
      "bank_cost_eur": 11376,
      "delegation_cost_eur": 4424,
      "saving_eur": 6952,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/le-mans"
    },
    {
      "rank": 30,
      "city": "Limoges",
      "slug": "limoges",
      "region": "Nouvelle-Aquitaine",
      "avg_loan_eur": 152000,
      "bank_cost_eur": 10944,
      "delegation_cost_eur": 4256,
      "saving_eur": 6688,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/limoges"
    },
    {
      "rank": 31,
      "city": "Mulhouse",
      "slug": "mulhouse",
      "region": "Grand Est",
      "avg_loan_eur": 148000,
      "bank_cost_eur": 10656,
      "delegation_cost_eur": 4144,
      "saving_eur": 6512,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/mulhouse"
    },
    {
      "rank": 32,
      "city": "Saint-Étienne",
      "slug": "saint-etienne",
      "region": "Auvergne-Rhône-Alpes",
      "avg_loan_eur": 142000,
      "bank_cost_eur": 10224,
      "delegation_cost_eur": 3976,
      "saving_eur": 6248,
      "saving_pct": 61,
      "city_url": "https://expert-emprunteur.fr/assurance-emprunteur/saint-etienne"
    }
  ]
}