Only one family in five pays the mortgage Furthermore, according to the report, only one in five owner families can pay a mortgage. In 2019, 19.7% of households living in owned homes pay a mortgage (around 3.7 million). This share is higher in the North (26.6% in the Northwest and 23.1% in the Northeast) and in the Center (20.5%) compared to the South (10.9%) and the Islands (11.6% ). From an economic and accounting point of view, this budget item is an investment, and therefore does not form part of the calculation of consumer spending; nevertheless, for the families that support it, it represents a substantial outlay and equal, on average, to 545 euros per month. Consumer spending, including figurative rents, is highly differentiated according to the title of enjoyment of the home (rent; property; usufruct or free use): it is 2,787 euros per month for families in home ownership (of which 35 , 5% for housing, water, electricity, gas and other fuels); stands at 2,150 euros per month for families in usufruct or free use (33.3% of which are destined for the home chapter); for rented families it is 1,882 euros per month (with the house weighing 33.2%, of which two thirds for the rent of the main house, equal to over a fifth of the total expenditure). Net of notional rents, consumer spending incurred by households drops to 2,065 euros for the owners and 1,612 for those in usufruct or free use; consequently, the share allocated to housing also changes: in fact, it passes from 35.5% to 12.9% for the former and from 33.3% to 11.0% for the latter respectively. Considering, therefore, only the monetary disbursements, the rented families have, compared to the rest of the families, fewer resources to be allocated to the other expenditure items; this applies in particular to the portions intended for transport (11.2% compared to 15.3% of the other owner families, in usufruct or in free use), hospitality and restaurant services (5.1% against 6.9%) , Clothing and footwear (4.6% versus 6.0%), Recreation, shows and culture (4.5% versus 6.8%), Health and health services (4.3% versus 6.3%) , and Furniture, articles and other services for the home (3.9% against 5.9%).