APL simulation in Clermont-Ferrand, zone 3

The APL amount in Clermont-Ferrand depends on three main factors: your actual rent (capped at €226/month for a single person in zone 3), your tax reference income from N-2 (year 2024), and your household composition. A flat-rate charge of €62/month is added to the calculation. For a scholarship student in a studio at €500/month, the aid can reach €150 to €250 depending on declared income.

Your APL application is submitted online at caf.fr or via the Mon Compte CAF mobile app. You are covered by the CAF Puy-de-Dôme. Required documents: signed lease, ID, bank details (RIB), 2024 tax notice on 2023 income, and the landlord's rent certificate (Cerfa 10842) signed by your landlord. Processing takes 2 to 4 weeks. The first payment is made from the month following your lease start date.

The APL zone 3 classification is set by ministerial decree, based on local rental market pressure. Zone 3 covers the rest of France. Clermont-Ferrand is classified here, meaning lower rent caps (€226 for a single person) but generally more affordable rents. This zoning directly affects the rent caps used to calculate your housing aid.

Students in Clermont-Ferrand can apply for APL or ALS (social housing allowance) depending on whether their accommodation is subsidised or not. APL is generally more advantageous. In zone 3, the student rent cap is €226/month. Both scholarship and non-scholarship students are eligible, provided they are not claimed as dependents on their parents' tax return. The CROUS may also offer housing at reduced rates in or around the city.

In zone 3, the 2026 APL rent caps for families are progressive: €274/month for a couple without children, €316/month for a household with 1 dependent child. Each additional child increases the cap. In Clermont-Ferrand, where family rents (2-3 bedrooms) often exceed these caps, APL is calculated on the capped amount. It's still worth running a simulation as the aid can reach several hundred euros per month.

APL can be paid either directly to the tenant's bank account, or to the landlord who deducts it from the rent (known as "third-party payment"). In social housing (HLM), payment to the landlord is almost always the default. In private housing, the landlord requests this via the rent certificate. In Clermont-Ferrand, as everywhere in France, the landlord chooses the payment method when setting up the file with the CAF Puy-de-Dôme.

APL can be combined with RSA, the activity bonus, family allowances, AAH (disability allowance), and student scholarships. However, it cannot be combined with ALF or ALS — the CAF automatically assigns the most advantageous aid. The Puy-de-Dôme department may offer additional support (FSL — housing solidarity fund) for security deposits or rent arrears.