France has 57.3% of households that are property owners, and this figure has remained stable for several years, according to a survey by Insee on the housing stock in France as of January 1, 2026, published on September 30. The survey notes that the Hexagon has a total of 38.6 million dwellings, 82.7% of which are principal residences. The share of households accessing property through ongoing mortgage repayments has decreased by 1.6 percentage points between 2020 and 2026, from 21.4% to 19.8% of principal residences. Meanwhile, the share of households that are property owners without a loan burden has increased, reaching 37.6% of properties as of January 1, 2026, compared to 36.2% in 2020. Housing production has significantly slowed in recent years, with the last peak recorded in 2019, when approximately 410,000 new housing units were started, compared to approximately 275,000 in 2025. The increase in mortgage interest rates and the rise in new home prices have hindered residential paths for many households. In 2019, average mortgage interest rates were particularly low, averaging 1.15%, which led to a volume of new mortgages subscribed (including renegotiations) reaching 250 billion euros. In contrast, the volume of new mortgages in January 2026 was 146.5 billion euros, a 41% decrease compared to 2019. The share of households renting their principal residence has remained stable for forty years, around 40%. Specifically, the share of households renting private housing has increased since 2008, going from 22.0% to 22.6% in 2020, then to 23.2% in 2026. The share of households living in social housing has been decreasing since 1997, going from 18.7% to 17.6% in 2010, then stabilizing between 17.6% and 17.3% afterwards. These trends reflect a shift in housing dynamics, with fewer households taking on mortgages and more opting for rental arrangements or purchasing homes outright. The slowdown in housing production and rising costs have made homeownership less accessible for many, leading to a more diverse range of housing choices in the French market.