Why Boomers Won’t Move—and Families Can’t Start
America’s housing market isn’t fluid—it’s stuck. Two forces do most of the work: ultra-low fixed mortgage rates that many owners locked in during 2020–2021, and decades of zoning that restricts “missing-middle” housing on most residential land. Together they keep Baby Boomers in place, starve the market of entry-level inventory, and push young adults to delay…