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📉 America’s Baby Bust: What Falling Fertility Rates Mean for the Housing Market

August 10, 2025 | Housing Market Trends | Presented by ReadySetLoan™


America’s fertility rate has just hit an all-time low—again.

According to the CDC’s latest data, U.S. women are now expected to have an average of just 1.62 children in their lifetimes, well below the 2.1 “replacement rate” needed to maintain population levels. And while this may seem like a distant demographic detail, the ripple effect could soon reach Connecticut’s housing market.


🍼 From Cribs to Condos: A Shift in Demand

Traditionally, growing families have fueled demand for single-family homes with backyards and extra bedrooms. But as fewer Americans choose to have children—or delay parenthood—those trends are shifting. More young adults are opting for walkable communities, lower-maintenance townhomes, or urban condos that align better with child-free lifestyles.


Neil Caron, Area Sales Manager at CMG Mortgage, puts it this way:

"We’re seeing a real evolution in what the ‘dream home’ looks like. It’s not just about square footage anymore. Buyers want lifestyle flexibility—and that starts with housing that fits their stage of life."

👶 Why Fewer Babies?

There’s no single cause, but affordability is a top culprit. The cost of raising a child to age 18 now exceeds $300,000 in many states—including here in Connecticut. Add in student debt, rising housing costs, and economic uncertainty, and many would-be parents are hitting pause.

The result? A slower-growing population, an aging workforce, and new housing preferences that every buyer, seller, and builder should take seriously.


🐷 RSL Piggy Points

  • Lower birthrates may lead to less demand for large suburban homes—and more demand for flexible living spaces.

  • Connecticut buyers are increasingly prioritizing location, affordability, and long-term adaptability over size.

  • Multigenerational living is on the rise as fewer children mean more focus on aging parents and staying put longer.


🗣 Neil’s Take 🎙

“This fertility dip is more than a social stat—it’s a real estate signal. At ReadySetLoan™, we help Connecticut buyers make sense of how these shifts affect mortgage options and long-term planning.”— Neil Caron, Area Sales Manager at CMG Mortgage

As the baby boom fades into the rearview mirror, a new chapter is being written—one that emphasizes adaptability over excess.


Whether you're planning for a family of five or simply future-proofing your next home, ReadySetLoan™ is your guide to the road ahead.


Want a mortgage strategy that fits your future—no matter how many kids are in it?


Let ReadySetLoan be your expert co-pilot.



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