It is in Burgundy that the expenditure constraints are the highest

In this region, the French spend more than 1,500 euros per month to pay their bills, according to a study conducted by the insurance comparator Les Furets.

Rent, electricity, automobile insurance, telephone subscription… Contrary to what one might think, it is not in Île-de-France that these so-called constrained expenses are the highest for a household. According to a study conducted by insurance comparator in partnership with CSA Research, it is in Bourgogne-Franche-Comté that the score is the highest. There, households spend 1,554 euros per month to pay these bills compared to 1,001 euros in Île-de-France.

According to this study, the explanation lies in transport expenses. In Bourgogne-Franche-Comté, it takes an average of 323 euros per month to travel, especially by car. This expense item is lower in the Paris region (180 euros) thanks to the denser public transport network. More surprising: the inhabitants of this region also have higher housing expenses (846 euros) than for Ile-de-France residents (699 euros). The rents are certainly lower there but the houses, larger, cost more to heat: 144 euros on average against 81 euros in Paris. Telephone expenses are also higher there: 111 euros per month against 36 euros in Île-de-France. “Namely that in this territory, the inhabitants have more expenditure constraints than on average (12 against 11 at the global level)», Adds the study.

Hauts-de-France comes second in the ranking of regions where expenditure constraints are the highest (1,276 euros). “In this region, the weight of the electricity contract is significant (103 euros against 88 euros on average)», Underlines the study. The Auvergne-Rhône-Alpes region completes the podium with expenditure constraints of 1269 euros, driven by housing (748 euros), transport (271 euros) and communication services (128 euros). “More than in other regions, the inhabitants of Auvergne-Rhône-Alpes allocate a fairly large budget to financial services (bank charges, consumer loans, editor’s note): 116 euros against 78 euros», Note the authors.

Conversely, the three regions where the expenditure constraints are the lowest are Occitanie (851 euros per month), New Aquitaine (877 euros) and Brittany (903 euros).

Housing, a heavyweight in the budget

Nationally, the French spend an average of 1,061 euros per month to pay their bills. According to the study, these expenses eat up a little more of the household budget every year: 30% today against 12% 60 years ago. The main constrained expense is unsurprisingly housing. Rent, mortgage, insurance, electricity: on average, the French spend 635 euros per month on this. “An important sum for the portfolio of the French but which, paradoxically, is relatively little the object of comparison: 30% of them say they compare the offers of real estate loans and 22% only for the borrower insurance”, Notes the study. Then comes transport with 223 euros, of which more than a third is devoted to car insurance. Next are health expenses (107 euros), telephony, internet and television (90 euros).

The study also confirms that the wealthier a household, the greater these expenses. Thus, the very high incomes pay on average 1900 euros per month against 813 euros for the most modest. A difference which is explained in particular by larger housing and therefore higher associated expenses (1,040 euros against 396 euros). However, these charges weigh much less in their budget: 20% for a so-called wealthy family against nearly 30% for the lower middle classes and nearly 40% for the poorest.

Age is also a determining factor. Those aged 25-49 pay the most at the end of the month. In detail, 25-34 year olds pay 1,440 euros in monthly bills, including 827 euros for housing. “Note that this generation is the one who spends the most for its Internet / box subscription (66 euros for 25/34 year olds against 49 euros on average)», Underlines the study. 35-49 year olds pay 1,246 euros (864 euros for accommodation). Those over 65 have lower overall expenses (863 euros), in particular thanks to a lower expenditure item concerning housing (440 euros). On the other hand, their health expenses are higher (138 euros against 85 euros for 35-49 year olds).

«The situation is dramatic»

These inequalities between households, which are already high, continue to increase, the associations helping the most disadvantaged are alarmed today. The Secours Catholique, which has studied the budget of 3,000 families it supports, estimates that once the constrained expenses are deducted, half of the people live on less than 9 euros per day. This “stay to live»Must finance food, clothing, hygiene products. “With budgets so tight and below the minimums for a decent living, the people whom Secours Catholique meets are daily forced into impossible choices.», Writes the association in published recently. Many must “focus on food expenses at the risk of not being able to pay rent or bills».

According to, in 2019, 9.1 million people lived in France in a situation of monetary poverty, that is to say under the poverty line set at 60% of the median income (less than 1,070 euros net per month). But the current health crisis risks upsetting these statistics. “Many people who were in great economic fragility fell into poverty. The situation is dramatic“, Assures Véronique Fayet, president of Secours Catholique, who claims”a social floor that protects everyone“. The latter would take the form of a guaranteed minimum income, which would amount to 893 euros (50% of the median standard of living). For the time being, the government preferred to focus on (housing assistance) with a child.