Replacement of fuel oil boiler by condensation: what state aids in 2025?

In 2025, France is resolutely turning towards energy transition, and homeowners are encouraged to undertake renovation work on their homes. In this context, replacing an oil boiler with a condensing model is an attractive and sustainable option. The financial aid schemes set up by the State, such as MaPrimeRénov’, the zero-interest eco-loan, and other subsidies, provide a golden opportunity to alleviate the cost of this work. This article guides you through the landscape of available aids in 2025 for the replacement of oil boilers, helping you to make informed choices for your energy renovation.

MaPrimeRénov’: three pathways to renovate in 2025

MaPrimeRénov’ remains the cornerstone of financial aid for energy renovation. Tailored for both owner-occupiers and landlords, this aid comes in three pathways to cater to various renovation projects.

Targeted renovation: focusing on specific work

This pathway is particularly suited for households wishing to undertake targeted and progressive work. It may include interventions such as:

• Thermal insulation of walls and attics
• Replacement of oil boilers with condensing heating models
• Installation of wood pellet boilers

The amounts of aid vary depending on the work carried out. For example, for the installation of a heat pump, a very modest household can benefit from aid of up to €5,000.

Type of work	Amount of aid	Household category
Thermal insulation of walls	Up to €75/m²	Very modest
Installation of a heat pump	Up to €5,000	Modest
Removal of an oil tank	Up to €1,200	All categories

Major renovation: a comprehensive and effective approach

This pathway is aimed at large-scale projects aimed at significantly improving the energy performance of a home. To qualify, at least two insulation actions must be undertaken, aiming for a gain of at least two energy classes.

A concrete illustrative example: a homeowner of a house rated F who undertakes insulation work and replaces their oil boiler with a condensing boiler can expect to obtain up to 15% funding on the cost of the work.

Renovation in co-ownership: ambitious collective projects

For co-ownerships, MaPrimeRénov’ offers a specific pathway. This includes the renovation of common areas and private elements that have a collective interest. The eligibility conditions include an energy gain of at least 35%, allowing for financing of 30% of the work, capped at €25,000 per housing unit.

Updated income ceilings: essential criteria to maximize your financial aids in 2025

The income ceilings are fundamental in determining the type of aid a household is eligible for. They help establish an evaluation grid intended to prioritize support for the most modest households. In 2025, these ceilings have been updated to better reflect current economic realities.

Importance of income ceilings

These ceilings divide households into different categories according to their income: very modest, modest, intermediate, and upper. The aid granted for renovations varies significantly from one category to another. For example:

• Very modest households can receive higher grants than intermediate households.
• A couple with two children earning €43,000 a year falls into the modest household category, which will allow them to benefit from €4,000 for the installation of a heat pump.

Household category	Income ceiling (excluding Île-de-France)	Income ceiling (Île-de-France)
Very modest	less than €25,000	less than €36,000
Modest	less than €45,234	less than €55,000
Intermediate	less than €60,000	less than €80,000

How to check your eligibility?

To determine their eligibility, households must rely on their taxable reference income (RFR) mentioned on the tax notice. In case of a complex family situation, all household incomes should be taken into account.

Finally, it is crucial to regularly check one’s situation concerning the income ceilings, as the thresholds may evolve, directly affecting the amount of financial aids.

New rules for gas boilers: a gradual end starting in 2025

The energy transition brings about major changes, particularly the gradual phasing out of gas boilers. Starting in 2025, their installation will no longer be financed by public aid. This decision aligns with the intention to reduce the use of fossil fuels and encourage the adoption of more ecological heating systems.

Why this decision?

Gas boilers, although efficient, contribute to greenhouse gas emissions. The State therefore encourages alternatives such as heat pumps, biomass heating, and solar systems. These solutions not only offer a reduction in carbon footprint but also long-term energy savings.

Gradual reduction and transitional periods

Transitional measures have been put in place to avoid abrupt breaks in renovation projects:

• Until June 30, 2025, gas boiler projects can benefit from financing, provided that the application is submitted before September 30, 2025.
• From 2026 onwards, the installation of gas boilers will no longer be eligible, but energy renovation activities will continue to be subsidized.

Type of boiler	Available financing	Specific rules
Gas condensing boilers	Not eligible since 2025	Transitional period until 2026
Heat pumps	Up to €5,000	Eligible without restrictions
Biomass heating	Up to €5,000	Eligible for aid

The zero-interest eco-loan (éco-PTZ): an essential lever to finance your renovations in 2025

The éco-PTZ is still an indispensable tool for households wishing to finance energy renovations. In 2025, it allows to complement the aids from MaPrimeRénov’ and to cover the remaining costs of the work.

Operation and eligibility conditions

Accessible to all homeowners, the éco-PTZ can finance works up to €50,000 with a repayment period of up to 20 years. It is particularly advantageous for:

• Financing the remaining costs of subsidized works
• Covering the costs of large renovations that enable significant energy gains

Eligible works and associated amounts

The diversity of works eligible for the éco-PTZ includes:

• Thermal insulation
• Replacement of non-performing boilers
• Installation of renewable energy heating systems

Complementary aids: reduced VAT, exemptions, and loans in 2025

In addition to MaPrimeRénov’ and the zero-interest eco-loan, several financial aids complement these schemes. These aids make energy renovation work even more accessible and attractive.

Reduced VAT at 5.5%: an immediate advantage

The reduced VAT applies to renovation work in homes over two years old. This rate is advantageous as it applies to both the cost of materials and labor.

To benefit from it, simply engage a certified RGE company. This measure allows you to achieve significant savings on your total bill.

Specific loans for renovations: focus on the renovation advance loan

The renovation advance loan is aimed more at elderly households or those with modest incomes. This type of loan differs because it allows the repayment to be deferred until the sale or transfer of the property. This provides appreciated financial flexibility in the context of renovations.

Requesting and obtaining complementary aids

To obtain these aids, here are some essential steps:

• Inquire with your town hall about the available property tax exemptions.
• Check if your project can benefit from reduced VAT.
• Engage works with recognized companies to ensure eligibility for the different aids.

Aid	Type	Details
Reduced VAT	Immediate savings	5.5% on renovation work
Property tax exemption	Fiscal relief	3 to 5 years depending on the municipalities
Renovation advance loan	Deferred financing	Repayment at the time of sale or inheritance

FAQ

What types of boilers are eligible for financial aids?

Condensing boilers and heat pumps are generally eligible. Gas boilers will no longer be eligible after 2025.

Can I combine multiple financial aids for my work?

Yes, it is possible to combine MaPrimeRénov’ with the zero-interest eco-loan and other local aids to reduce the overall cost of the work.

How can I find out if I am eligible for State aids?

You need to check your taxable reference income and refer to the income ceilings defined for each type of aid.

Is the zero-interest eco-loan also accessible to co-ownerships?

Yes, co-ownership associations can apply for a collective eco-PTZ to finance work on common areas.

How much time do I have left to benefit from aids for gas boilers?

Projects including a gas boiler must be finalized with a financing request submitted before September 30, 2025.