A Smarter Path to Homeownership: Multi-Generational Living

For many buyers today, the numbers just aren’t adding up. Between rising home prices and the rising cost of childcare, it can feel like you have to choose one or the other.

Affordability has been especially challenging for families with young children. While childcare is recommended to stay around 7% of monthly income, many households are spending closer to 10%.

When you combine childcare expenses with the cost of buying a home, it’s easy to see why many families feel stretched.

That’s why more people are turning to multi-generational living—buying a home with parents, grandparents, or relatives. It’s no longer just about convenience; it’s a smart financial strategy.

According to the National Association of Realtors, nearly 1 in 7 buyers (14%) purchased a multi-generational home in 2025.

This approach helps solve two major challenges at once. Sharing costs makes homeownership more attainable, and having family in the home can reduce—or even eliminate—childcare expenses.

Bottom Line
If buying a home feels out of reach right now, it may be time to think differently. Sometimes the path to homeownership isn’t doing it alone—it’s doing it together.