청년가구의 주택점유형태에 영향을 미치는 요인 - 수도권과 비수도권을 구분하여 -

Abstract

This study investigates the determinants of housing occupancy patterns—specifically homeownership versus rental—among young households, against the backdrop of a widening asset disparity between the youth and older generations. Utilizing microdata from the "2024 Housing Status Survey," a binary logistic regression analysis was conducted on 4,507 households with householders aged 19 to 34. The empirical results demonstrate that householder age, household size, permanent income, and net assets are significant positive predictors of homeownership. Notably, financial assistance from parents or relatives—indicative of an intergenerational wealth transfer—increases the odds of homeownership by a`pproximately 1.8 times. This wealth transfer effect is significantly more pronounced in the Seoul Metropolitan Area (SMA), where elevated housing prices pose a substantial barrier to independent asset accumulation. Furthermore, a lower relative housing cost, defined as the ratio of owning costs to renting costs, is found to incentivize homeownership in both capital and non-capital regions. These findings suggest that youth housing policies should move beyond quantitative supply to focus on supporting asset formation and implementing strategic financial measures, such as easing LTV (Loan-to-Value) regulations and providing interest rate subsidies, to facilitate residential stability and a functional housing ladder for the younger generation.