Homeowner share in Metropolitan France
Homeowner share in Metropolitan France stood at 57.5% 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 - Metropolitan France | 57.5 | 57.5 | 57.6 | 57.6 | 58 | 58 | 58 | 58 | 58 | 58 | |
| Main residences - Proportion of homeowners with a loan - Metropolitan France | 19.8 | 20.1 | 22.5 | 22.2 | 22 | 22 | 22 | 21 | 21 | 21 | |
| Main residences - Proportion of homeowners without a loan - Metropolitan France | 37.7 | 37.5 | 35.1 | 35.4 | 36 | 36 | 36 | 36 | 37 | 37 |
Understanding homeowner share in Metropolitan France
This indicator calculates the percentage of main residences in Metropolitan France that are occupied by their legal owners, dividing owner-occupied units by total primary households. It serves as a core structural gauge of property ownership distribution, sitting alongside tenant and gratuitous occupancy metrics to complete the tenure breakdown. The calculation encompasses all households holding title to their primary dwelling, regardless of whether their acquisition was financed through mortgage debt or completed via outright cash purchase.
Interpreting this percentage requires examining long-term structural cycles rather than short-term economic fluctuations, as tenure status changes slowly. Analysts must avoid viewing this as a measure of housing affordability on its own, as high ownership shares can coexist with various demographic pressures. Comparing this metric internationally requires caution due to differing national definitions of legal ownership versus cooperative housing arrangements.
Frequently asked questions
- What households are included in the homeowner share?
- Any primary household holding legal title to the dwelling they inhabit, covering both mortgaged and unencumbered properties.
- Does this metric include secondary homes?
- No, the denominator and numerator are strictly confined to main residences.
- How often is this proportion revised?
- Proportions are updated annually based on census and administrative survey updates, which may introduce minor retrospective adjustments.