The Blame Game: Baby Boomers vs. Millennials Over the Housing Crisis
- Neil Caron
- Apr 29
- 2 min read
When it comes to the housing market, there’s no shortage of frustration—and now there’s no shortage of finger-pointing either. According to a recent Clever Real Estate survey, baby boomers and millennials are blaming each other for today’s housing affordability issues. But what’s really going on, and what does it mean for buyers and sellers navigating the market in 2025?
At ReadySetLoan, we’re breaking down this generational showdown—and offering real solutions for anyone looking to make smart moves in today’s housing environment.
Who’s Blaming Who?
The survey found that:
Millennials (born between 1981-1996) largely accuse baby boomers of hoarding homes, driving up prices, and holding onto real estate wealth that younger generations can't access.
Baby boomers (born between 1946-1964), on the other hand, point fingers back at millennials, claiming that lifestyle choices, student debt, and an aversion to “starter homes” have contributed to affordability struggles.
It’s a classic case of "he said, she said" — but while the blame flies, housing affordability remains a serious challenge across the board.
The Real Story: Market Forces at Work
From ReadySetLoan's perspective, it's important to understand that external market factors have had a far bigger impact than generational decisions:
Limited inventory continues to drive up home prices.
Higher mortgage rates have made monthly payments more expensive for everyone.
Zoning laws, supply chain issues, and labor shortages have slowed new home construction, creating a mismatch between supply and demand.
Neil Caron, Area Manager at CMG Mortgage, points out:
"It's easy to point fingers, but the truth is that market dynamics—not generational habits—are the biggest drivers behind today's housing challenges."
At ReadySetLoan, we help both first-time buyers and seasoned homeowners understand these forces and create customized strategies to move forward.
How Buyers and Sellers Can Win—No Matter Their Generation
Instead of focusing on blame, ReadySetLoan encourages buyers and sellers to focus on opportunity. Here’s how:
🐽 RSL Piggy Points:
Millennials can explore down payment assistance programs, first-time buyer incentives, and creative financing options to break into the market.
Boomers considering downsizing can capitalize on high home values by listing strategically and taking advantage of low-inventory conditions to maximize profit.
Everyone can benefit from working with a trusted educational partner like ReadySetLoan to navigate today’s evolving market landscape.
RSL Perspective: Stop the Blame, Start the Plan
Housing affordability is too important to turn into a generational blame game. The real key to success? Education, strategy, and smart partnerships.
Whether you’re a millennial looking for your first home, a boomer ready to downsize, or anyone in between, ReadySetLoan is here to be your guide across the finish line.
👉 Ready to stop blaming and start winning? Connect with ReadySetLoan today for expert guidance, resources, and tools to help you move forward confidently.
Comments