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