Demographic shifts have impacted housing demand

Hard to overstate the effects of this seismic shift on housing demand...

Marriages increasingly come later in life, if at all, which is rocking the housing market.

Then:

-- Suburbs in your 20s

-- Smaller, more affordable homes

-- Move up homes in your 30s

-- Mcmansions in your 40s and 50s

-- Downsize and re-urbanization in your 60s

-- Vacation homes along the way

Now:

-- Living with parents for longer

-- Roommates for longer

-- Abysmal affordability in the suburbs

-- Very few smaller, entry-level homes

-- Renting expands beyond small apartments

-- Vacation homes for young families? Ha

-- Big paydays for heirs

-- Others are sidelined for longer?

Who are the winners and losers in this new demographic reality?