Homeowners without a loan: France ex. Mayotte
Homeowners without a loan: France ex. Mayotte stood at 37.6% 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 without a loan - France excluding Mayotte | 37.6 | 37.3 | 35.1 | 35.4 | 36 | 36 | 36 | 36 | 37 | 37 | |
| Main residences - Proportion of tenants - France excluding Mayotte | 40.4 | 40.4 | 40.3 | 40.3 | 40 | 40 | 40 | 40 | 40 | 40 | |
| Main residences - Proportion of tenants of a public landlord - France excluding Mayotte | 17.3 | 17.3 | 17.6 | 17.6 | 18 | 18 | 18 | 18 | 18 | 18 |
Understanding homeowners without a loan: France ex. Mayotte
The share of primary resident homeowners who possess full legal title to their dwelling without any accompanying mortgage debt is isolated here. The calculation divides debt-free owner-occupiers by the total pool of homeowners, omitting all households that maintain active bank loans or rent their living quarters. This percentage highlights the segment of the population that has completely discharged its property financing liabilities.
Examining this ratio involves understanding generational wealth transfers and long-term demographic aging, both of which expand the pool of unencumbered property owners over extended horizons. Year-on-year tracking provides a stable view, as debt retirement occurs gradually. Researchers should avoid assuming high shares imply economic prosperity across all demographics, since older cohorts living in fully paid-off rural homes may experience different financial pressures than younger wage earners.
Frequently asked questions
- Does this share include homes inherited without any debt?
- Yes, properties acquired outright through inheritance or gifts with no remaining mortgage are counted here.
- How does this metric differ from the total homeowner share?
- This is a sub-percentage representing only the subset of homeowners who carry no housing debt, whereas the total homeowner share includes both mortgaged and unmortgaged owners.
- Why might this ratio rise during periods of economic slowdown?
- Aging demographics finishing their mortgage terms tend to increase this share regardless of short-term macroeconomic cycles.