This work by the Fannie Mae Research team suggests that there is further divide between the affluent, and everyone else.
Their trend shows that people who are having families are those who can afford a house too. Renters are having to choose, or are going with neither.
http://www.mortgagenewsdaily.com/08172018_fannie_mae_forecast.asp
The Great Recession self selected for recent household formation AND affluence. A lot of the households owning homes Fannie Mae are calling affluent might be affluent BECAUSE they bought not the other way around.
Good point