Homeowner share: France excluding Mayotte
Homeowner share: France excluding Mayotte stood at 57.3% in 2026, according to INSEE – Institut national de la statistique et des études économiques (BDM). It is one of the indicators in the Housing stock and social housing table (Value · Annual), with a complete series running from 1982 to 2026. The complete series with an interactive chart, free to download.
This indicator in the Housing stock and social housing table
| Indicator | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Main residences - Proportion of homeowners - France excluding Mayotte | 57.3 | 57.4 | 57.5 | 57.5 | 58 | 58 | 58 | 58 | 58 | 58 | |
| Main residences - Proportion of homeowners with a loan - France excluding Mayotte | 19.8 | 20 | 22.3 | 22.1 | 22 | 22 | 21 | 21 | 21 | 21 | |
| Main residences - Proportion of homeowners without a loan - France excluding Mayotte | 37.6 | 37.3 | 35.1 | 35.4 | 36 | 36 | 36 | 36 | 37 | 37 |
Understanding homeowner share: France excluding Mayotte
The proportion of primary households residing in properties owned by the household occupying them is established by this ratio. The numerator consists of homes where at least one resident holds the title deed, while the denominator comprises all classified main residences, leaving out second homes and empty structures. This percentage offers a broad macro-level view of domestic wealth distribution and housing tenure preferences relative to renting.
Reviewing this rate demands caution regarding shifts in mortgage availability and regulatory changes affecting the housing market, which alter tenure patterns sluggishly. Analysts should evaluate year-on-year variations to filter out temporary market frictions tied to real estate transaction delays. Comparing homeownership proportions across different regional subdivisions requires checking local demographic densities, as multi-family urban centres naturally depress ownership ratios compared to rural sectors.
Frequently asked questions
- What types of households are counted in the base of this ratio?
- Only households occupying their primary residence are included in the calculation base.
- Does this share include owners who are still paying off a mortgage?
- Yes, homeowners include both outright owners and those carrying active mortgage debt on the property.
- Why exclude second homes from this calculation?
- The ratio aims to measure the living arrangements of resident households rather than the investment property portfolios of affluent buyers.