Variability at microsatellite (MS) loci is generally perceived as resu
lting from an interaction between mutation and genetic drift and, to a
lesser extent, selection and recombination. Less investigated has bee
n the reason for MS accumulation in genomes. We present here a simple
model that could account for the variation in density of MS loci, assu
ming that they are created either through replication slippage or in a
ssociation with transposable elements. Microsatellites then evolve und
er the forces cited above. We use this framework to revisit two result
s obtained from high-density genomic maps of the human and mouse genom
es built with thousands of CA repeats: MS loci are (1) less variable a
nd (2) less dense on the X chromosome than on autosomes. The first res
ult is most likely explained by differential mutation on the X chromos
ome and the autosomes. The second result may be explained by different
ial mutation, provided the distributions of MS loci are still not at e
quilibrium. Selection, acting either directly on large allele size or
indirectly on the transposable elements associated with MS, may explai
n the same result. The framework developed here is a first step toward
more rigorous models, calling for additional data.