In a context of massive renovation of residential buildings, stakeholders need decision-support models based on knowledge of the current building stock and accurate simulation of energy demand. This paper presents a new strategy for reducing energy consumption in the building sector, a key factor in combating climate change and promoting sustainability. We introduce an approach to (1) plan retrofits at community level, with a building resolution, for different years of an optimization period and (2) assist local authorities in selecting effective measures to improve the environmental performance of their building stock. The focus is on creating trajectory retrofit plans creation for a building stock with three main retrofit options: improving insulation, heating systems and hot water systems. We adapt a complex but linear approach, a type of problem-solving structure known as a multidimensional multiple-choice knapsack problem, which manages to handle a large number of possible retrofit combinations without becoming unwieldy. The planning process is streamlined as a single-objective optimization task that aims to reduce the total cost of retrofits by reducing their net present value. The efficiency of the model is demonstrated by simulating retrofit scenarios for 4,000 buildings in a French region to prove its ability to tackle large problems. France’s targets for decarbonizing the residential sector are taken into account, with a target of reducing GHG emissions by a factor of 10 and a building stock consuming 80kWhEP/m2/year. The results show that these plans are feasible, but that they will require 50% of all buildings to undergo major renovation with abatement costs of around €200/tGES. Our practical application to an actual community demonstrates the model’s ability to identify appropriate retrofitting measures and compile building data.