70% of adults delay life plans as housing lock-in fuels proptech demand

Proptech companies have long pitched frictionless moving, flexible living, and mortgage innovation, but this survey quantifies the exact pain points: 37% of respondents are stuck in unhappy housing, 25% moved in with family, and 12% rejected a job because relocation costs were too high. The product opportunity is no longer abstract; it is visible in millions of frozen life decisions.

A survey of 1,000 U.S. adults commissioned by Independent Lending and distributed through Stacker has crystallized a defining feature of the 2020s housing market: housing costs are no longer just a budget line, they are the primary scheduling constraint on American life. The headline finding is that 70% of respondents said housing costs have forced them to delay or change at least one major life decision. The survey lands at a moment when the typical first-time buyer is 40 years old, the oldest on record according to the National Association of Realtors, and it echoes earlier Harris Poll research for Coldwell Banker that found similar pessimism among aspiring homeowners. But the freshness is not in the existence of the delay; it is in the shape and attribution of the freeze.

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Asked who bears most responsibility for the affordability crisis, 38% named the federal government, while the explanation housing economists cite most, restrictive zoning, drew just 10%.

The most common consequence is inertia: 37% of respondents have stayed in a living situation they are unhappy with because moving costs too much. Another 25% have moved in with family or friends to save money, and 15% have decided against getting a pet because of housing restrictions or costs. These figures may sound modest compared with dramatic price charts, but they capture hidden costs that do not appear in transaction data. A canceled move looks like stability; a worker who refuses a relocation looks like a retention win; a household that postpones a child does not file a report. The survey also found 12% of respondents turned down or avoided a job that would have required relocating, specifically because of housing costs, a finding that turns housing affordability into a labor-market problem.

Perhaps the most important insight is the divergence between public and expert explanations. Asked who bears most responsibility for the affordability crisis, 38% named the federal government, while the explanation housing economists cite most, restrictive zoning, drew just 10%. That is not a trivial polling wrinkle. It means the public and policymakers are working from different diagnoses. Any proposed fix, whether land-use reform, subsidy expansion, mortgage innovation, or supply-side incentives, must contend with an electorate that is not yet focused on the local regulatory constraints that many economists identify as the binding supply problem. The risk is that federal blame produces demand-side interventions that do not address the underlying shortage.

For real estate operators, lenders, and proptech companies, the survey describes a customer base that is stuck rather than mobile. The aging first-time buyer and the high share of people staying in place suggest persistent demand for rental housing, co-living arrangements, renovation products, and alternative down-payment or relocation assistance. At the same time, the fact that 25% of respondents have moved in with family or friends points to a shadow inventory of pent-up demand that could materialize if affordability improves or if products emerge that lower the transaction cost of moving. Proptech tools that reduce moving friction, flexible lease products, and mortgage fintech aimed at non-traditional borrowers may find a receptive audience.