Owner-occupied accommodation share: France
Owner-occupied accommodation share: France stood at 57.4% in 2025, 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 2025. The complete series with an interactive chart, free to download.
This indicator in the Housing stock and social housing table
| Indicator | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Type of tenure of occupied dwellings | |||||||||||
| Owner-occupied accommodation | 57.4 | 57.5 | 57.5 | 58 | 58 | 58 | 58 | 58 | 58 | 58 | |
| Rented accommodation | 42.6 | 42.5 | 42.5 | 42 | 42 | 42 | 42 | 42 | 42 | 42 |
Understanding owner-occupied accommodation share: France
The structural composition of residential tenure is documented by this percentage, calculating the proportion of occupied primary residences owned outright or under a mortgage by their inhabitants. The metric contrasts owner-occupied dwellings against rented properties managed by private landlords or public housing authorities. Second homes and vacant properties are excluded from the denominator to maintain focus on actively inhabited primary residences.
Evaluating this ratio requires an understanding of long-term structural shifts in mortgage availability, interest rate environments, and wealth distribution across generations. Because tenure patterns evolve slowly, period-on-period comparisons over short intervals reveal minimal variation; multi-year horizons are required to assess meaningful structural changes. Analysts should note that housing subsidies and social tenure policies can artificially suppress ownership rates independently of household income.
Frequently asked questions
- Are second homes included when calculating this ownership percentage?
- No, the measure isolates primary residences occupied by their owners.
- What timeframe is best for analyzing trends in this series?
- Multi-year horizons are recommended, as tenure patterns change very slowly over short intervals.
- Does this ratio account for properties held with a mortgage?
- Yes, both outright owners and mortgagors are grouped within the owner-occupied category.