The Impact Of Housing Costs On Romantic Relationship Decisions

Mortgage News February 24, 2023

According to a new report from, 63% of people who moved in with a romantic partner cited finances and/or logistics as factors influencing their decision.

Money and logistics were significantly more likely to persuade younger respondents than older respondents, with 80% of Gen Z and 76% of Millennials citing one or both factors as reasons to move in with someone. In comparison, 56% of Gen Xers and 44% of Baby Boomers said the same.

As expected, among Gen Z respondents (56%) who thought finances and/or logistics played a role in making their decision to move in with their partner, saving money by splitting rent and mortgage was the most popular response (since Gen Z has faced notoriously high housing costs in their lives). Furthermore, 70 percent of respondents who have shared a house with a partner reported that they saved money as a result of doing so.

Among respondents who moved in with a partner, a significant percentage moved into a place they already rented (37%) or owned (21%), while 30% started fresh with a new rental and 9% bought a home together.

It is not always easy to live with a partner and not all relationships work out. A study found that 42 percent of people who have shared a house with a partner regret their decision.

According to Clare Trapasso, Executive News Editor of, if you plan on renting or purchasing property together, make sure you are both financially protected. An unmarried couple buying a home together might want to consult a real estate attorney to figure out what would happen to the house they are renting or purchasing if the couple split up.

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