HUMAN DIGNITY

Millennials and Gen Z in Utah: Challenges, Housing Crisis, and Hope for 2025

Unaffordable housing, skyrocketing living costs, and mounting debt—Millennials and Gen Z in Utah are at a crossroads. Will bold solutions reshape their future, or will apathy and outdated policies hold them back?

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As the prospects of a new year loom imminently before us, it’s obvious that the millennials and gen z’s still face serious challenges that previous generations didn’t have to contend with. Unaffordable housing, more student loan debt, and rising costs of living are all leading to greater amounts of stress, psychological disorders and poor health. Unless something changes, today’s 20- and 30-somethings could live shorter lives, be saddled with more debt, and not be as strong as prior generations. 

If you’re in this category, you may feel like life just sucks. Unless you’re drinking a cocktail while doom scrolling on TikTok, a good thing to remember is that you live in the greatest country on earth — or at least in one of the top five best countries you could have been born in. Another point to remember is that you were lucky enough to be born at one of the very best times in history.

Are housing prices oppressive and destroying your ability to build any savings? Consider moving in with a roommate or two for a couple of years. This will allow you to save enough money to buy a small condo or perhaps a lot on the outskirts of town where you could park a prefabricated home or RV.

Two years ago we wrote about a man who was building out lots in Gunnison, Utah, where couples could buy starter homes for $150,000. That was a story that should have made headlines. 

The problem with the affordable housing crisis is that everybody loves the idea of affordable housing — as long as it isn’t in their backyard. While boomers and gen xers may have their kids living in their basements, they aren’t petitioning their local city councils to change zoning laws to allow for more density and/or restrictions on housing types.

NIMBYism and elitism are the primary causes preventing our cities from adapting to the needs of new generations. The suburbs were a great American invention in post World War II America, but the traditional suburban model is failing us when it comes to creating an adequate supply of starter homes. The suburbs need to change and we need to adapt to a model that allows for more dwellings of all types.

The Salt Lake City Council created an affordable housing provisions plan to address this need. However, this plan fails to allow landlords who own rental houses to build auxiliary dwelling units (ADUs) on their properties. These half-baked measures clearly demonstrate who’s really running the show in the downtown development game. Or at least who isn’t working to solve the problem. As always, it’s Utah’s hybrid developer/politicians.

However, I was impressed with Steve Waldrop’s comments on the Utah Stories podcast and his explanation that building more starter homes would allow young people to buy homes much sooner. 

He explained that if we do not solve this problem, not only will kids not be able to move out of their parents homes, but young Utahn’s will stop having children. This has already started to happen as Utah’s birth rate has declined substantially in the last five years.

Sadly, many of the millennials and gen z‘s have chosen to check out rather than tune in and make a difference. Apathy and overstimulation are the symptoms of too many TikTok videos which drown out the realities that these folks need to be dealing with.

The laws need to change and political leaders need to start serving the interests of all institutions. From banking to building, and construction to development, politics need to serve the up-and-coming 20- and 30-somethings who should feel confident that they will be able to have big happy families like Utah has encouraged for previous generations.

Why have a lot of kids? Because the essential core of a great economy, a great workforce and a great state, is the nuclear family. Utah has always been about producing strong, resilient families with kids who want to do great things in the world. Our leaders need to provide them with the opportunities to do those things. 

Despite the challenges that lie ahead, we are fortunate to live in a beautiful state surrounded by stunning scenery and year-round recreational opportunities. From snowshoeing, snowboarding and skiing in the winter to hiking, climbing and biking in the summer, we live in a mecca of perpetual beauty and opportunity. 

Whatever your hopes, dreams and resolutions for the new year might include, we at Utah Utah Stories wish you a bright and prosperous 2025.

Feature image photo by Paul Hanaoka on Unsplash

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  • Riverbed Ranch Utah: Cult, Commune, or Utah’s First Modern Homesteading Town?

    Driving out past the town of Delta on a gravel road for a couple of hours, we almost turned around. Following a rain storm, the road is wet and muddy but still decent. Jesse Fisher is worried we’ll get stuck, but we plow through giant puddles of water, and as the clouds lift, we reach the homestead community of Riverbed Ranch, consisting of 1250 acres of reclaimed desert.

    Almost like an oasis, Riverbed Ranch is home to 40 families who decided to depart city life, municipal taxes, congestion, air, light and sound pollution, and live in a place among chickens, goats and cows on self-reliant homesteads. 

    Describing Riverbed Ranch as “bucolic” would be inaccurate at this point. Sometimes there are purple flowers in the valley, but currently it is a desert — still beautiful, but most of the properties in the sprawling valley are still works-in-progress. But the scale of the valley and witnessing in person the first brand new town to break ground in Utah in 75 years is quite remarkable. 

    A few of the 2.5 acre plots consist of a trailer and a fence. Some plots have nice little homes that appear very homemade; others have more complete homes with nice fencing, with nicely organized pens for different animals, orchards and organization. 

    Some homes under construction even appear upscale and modern, where the inhabitants are indeed living as modern homesteaders, not seeking “luxury retreats” like so many other empty homes in Utah being built in hot tourist destinations such as Moab and Park City.

    We start by speaking with Tom and Kathy Barnes, whose homestead is a model for order and function. Turkeys walk around in their pen, excited for feeding time. Beside the turkey pen is another pen for chickens; one for goats, and another for pigs. All of the pens are connected to a large barn. By the look of their operation, the Barnes appear to be seasoned professionals.

    Indeed they are. Tom and Kathy raised their eight children “on a teacher’s salary,” homesteading in Payson, Utah on ten acres, reaching the point where the only store-bought items were toilet paper, shampoo, toothpaste and cashews. Most everything else, including fresh fruits, vegetables, milk and meat were raised themselves.

    Tom had just finished feeding his three hungry pigs when he took a moment to talk to me.

    “What are the advantages to living on a homestead?” I ask. 

    “Listen,” he says. “You can hear a pig eating … Once in a while we will hear a fighter jet pass over but that’s it.” 

    The Barnes are calm and content in their semi-retirement. They set up their homestead at Riverbed Ranch five years ago. They already knew homesteading and they realized even in retirement they could help the other inhabitants here, those with less experience, learn how to take on the demanding but satisfying lifestyle.

    “It’s basically like an extended family,” says Tom. “We are all like-minded out here. We are all going to help one another when our neighbors need help.”

    Tom says he and most of his neighbors are members of the LDS Church, and that most of the city’s LDS members are a part of a ward which makes up their “ward family.” “Out here,” he says, “everybody is our extended family. So we all know we are going to help one another and learn to get along … Like early pioneers in a small town. It’s very much the same thing.

    A wild goose chase?

    “We could live out here like it was 1849, but we have all of the conveniences of modern society, so why not take advantage of the best of both worlds?”

    I wonder how adaptable these modern pioneers are. Raised on a homestead, would these folks ever want to join the modern world again? The Barnes kids are mostly choosing city life, but their kids and grandkids love visiting them, running around free-range. Tom adds, “One of our sons is starting his own homestead in Piute County.”

    We drive around on the hard gravel roads and get a sense of how all of the residents here justify the hard-scrabble, off-grid life, which requires living off pumped well water, solar power for electricity, and propane for heat. 

    We are aiming to get a sense of the  bigger reason why all of these people are out here, far away from freeways and Walmarts. Are they all latter-day preppers?

    Continue reading and support independent Utah journalism with a purchase of Utah Stories (Digital + Print) or 3 month free trial (Digital).


  • Ogden Utah: Boomtown, Bargain, or Utah’s Next Unaffordable City?

    With its reinvigorated downtown and close proximity to mountains and river pathways, this northern Utah city is enjoying a renaissance. Ogden’s stock of affordable housing — compared to other metros along the Wasatch Front — currently draws people in for a closer look. 


  • Utah Wants Affordable Homes. So Why Did It Kill the Starter Home Bill?

    Utah leaders have spent years talking about affordable housing.

    Governor Spencer Cox has repeatedly emphasized the need for more attainable housing, with a goal of creating tens of thousands of starter homes priced below $300,000. Yet despite broad agreement that housing affordability remains one of the state’s biggest challenges, one proposal designed specifically to encourage the construction of smaller, more affordable single-family homes failed to advance during the most recent legislative session.

    The question raises an uncomfortable issue: if Utah agrees there is a shortage of starter homes, why are those homes still so difficult to build?

    According to attorney and real estate professional Asha Klarich, much of the debate comes down to how communities want to grow and who gets to make those decisions.

    House Bill 184, known as the Small Lots and Starter Homes Amendment, was intended to reduce regulatory barriers and allow smaller homes to be built on smaller lots. The proposal would have created a process for builders and homeowners to seek exceptions to local zoning requirements and construct homes on lots as small as roughly 5,400 square feet.

    The idea was straightforward. Smaller lots generally mean lower land costs. Lower land costs can translate into lower home prices.

    For many first-time buyers, that sounds far more appealing than another apartment building or densely packed townhome development.

    “I think most people would prefer a smaller home on a smaller lot than apartment-style living in a high-rise,” Klarich said during a recent discussion about housing legislation.

    The bill ultimately failed.

    Continue reading and support independent Utah journalism with a purchase of Utah Stories (Digital + Print) or 3 month free trial (Digital).


  • What Was Happening Inside Phillips Plaza Before the Murder in Salt Lake?

    Three days before Ralph Hoffman was killed, Utah Stories interviewed Phillips Plaza residents who described security concerns, unauthorized visitors, and questions about how vulnerable tenants were being supervised. After the murder, many of those concerns remain unanswered.