The abolition of the housing tax in France, often seen as a shared success, has shown a more complex situation, according to the latest data from Insee for 2024. The average net effort rate for households' housing costs has decreased from 18.3% in 2014 to 16.8% in 2024. However, for the most modest households, this rate has actually increased by 1.1 points over ten years, reaching 32.1% in 2024. This increase is linked to the decline in housing aids, which have become less significant in the income of low-income families, dropping from 10% to 6.9% between 2014 and 2024. The removal of the housing tax has affected the housing costs of millions of French households, reducing the share of housing in their overall expenses. However, this reduction is due to a specific, almost mechanical change rather than a broader improvement in housing conditions or incomes. The average net effort rate for housing in 2024 is 16.8% of a household's income, down from 18.3% in 2014. This decrease of 1.5 points represents a significant saving for many, but not all households benefit equally. The 16.8% net effort rate is calculated from a gross effort rate of 17.5% of income, broken down as follows: 10.7% for rent or mortgage payments, 3.5% for energy costs, 1.9% for other charges and water, and 1.4% for property tax. Housing aids reduce this burden by an average of 0.8 percentage points, resulting in the final net rate. Housing remains the largest expense, far exceeding other local taxes. More than 8 out of 10 households have an effort rate below 33%, but 1 in 10 exceeds 40%, a level where housing becomes the main budget concern. For the quarter of the most modest households, the trend is the opposite: their net effort rate has increased, which deepens the gap between different income groups. The decline in housing aids has had a more pronounced impact on these vulnerable households. The type of housing a household occupies significantly influences the distribution of financial effort. Private rental tenants face an effort rate of 25.4%, followed by social housing renters at 24.0%, and first-time homeowners at 23.3%. Non-first-time homeowners have a much lower effort rate of 7.4%, as they no longer have a mortgage to repay. Over ten years, the effort rate has remained stable for social housing renters, while it has decreased for other renters and homeowners. Social housing renters, who are mainly from the most modest quarter of the population, have a lower effort rate compared to private rental tenants. However, social housing does not fully close the gaps observed. Single individuals and single-parent families show the highest effort rates among all categories studied, due to a higher proportion of renters and generally lower incomes. While the abolition of the housing tax has eased the budget of most French households, those in the greatest need have not benefited as much. The question remains: can a housing policy still be considered successful if its benefits do not reach those who need them the most?