>Gen Z home ownership is outpacing millenial home ownership at the same age.

Not according to this Redfin report (also linked by others in the thread):

"Take 28-year-olds as an example: 38.3% of 28-year-old Gen Zers owned their home in 2025, compared to 42.5% of Gen Xers when they were 28 and 44.4% of baby boomers when they were 28." (There is an accompanying chart in the linked report.)

https://www.redfin.com/news/homeownership-rate-by-generation...

That seems to show a pretty clear decline in home affordability over time, for people of the same age.