I'm skeptical of the idea that housing costs are the primary reason young adults live at home longer. First of all, the trend was present before interest rates

I'm skeptical of the idea that housing costs are the primary reason young adults live at home longer. First of all, the trend was present before interest rates started rising, and before that housing costs as a percent of income were not higher than previous generations. And Gen Z are growing up slower than previous generations in other ways as well: > "While the majority of 8th grade Gen Xers in the 1990s had dated, tried alcohol, and worked for pay, only about one in four 8th grade Gen Zers had done the same in 2021. The number who had had sex by the spring of 9th grade went from nearly 40% in the Gen X era to less than 15% among Gen Z". That is not related to housing costs. Previous generations seemed to grow up quicker, Gen X certainly did.