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> Suburbia, with all their HOAs and such are the physical manifestation of the cultural preferences of a large majority of Americans.

My numbers put the number of Americans in HOAs in the suburbs at ~16%. Suburbs without HOAs ~37%. So, a small majority of Americans live in suburbs and a much smaller number live in a suburb with an HOA. More Americans live in urban areas (~26%) than in a suburb with an HOA.

As to preferences, my anecdotal experiences have been that I know people who moved to suburbs out of necessity due to cost, but I have never met someone, other than the homeless and those in subsidized housing, living in an urban area due to cost instead of personal choice.



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