Three generations of women cooking toegther

Under One Roof

9th September 2024

For generations of UK parents, there’s been a tried-and-tested family formula. Raise children, then watch them fly the nest. But with sky-high living costs and changing lifestyle habits, are we in a new age of multi-generational living?

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What did we discover?

We spoke to more than 2,000 UK adults to get their perspectives on life under one roof. 

  • Multi-gen Britain. Overall, 30% of people in the UK live in a multi-generational home. Among Gen Z (18-24 year olds) it’s a majority: 53%
  • Regional differences. London and Birmingham are the cities with the highest rates of multi-generational living. In both cities, 38% of residents said they live in this type of household.
  • Counting the cost. Almost half (46%) of older millennials (35-44 year olds) in multi-generational homes attributed their living arrangements to the cost of living crisis. This was higher than any other age group.
  • Cultural trends. We found that 16% of respondents live in a multi-generational household due to ‘cultural traditions and expectations’, rising to 24% among younger millennials (25-34 years olds).
  • Family relationships. People in Cardiff were the most likely (22%) to say they’d take in grandparents. But nearly one fifth (18%) of people overall – and 29% of 65-76 year olds – said they wouldn’t let anyone move in with them.

Multi-generational Britain

Firstly, multi-generational living is where two or more adult generations, or three generations in total, Iive in the same home. When carrying out our survey, we explained this exact definition to everyone we polled.

In many parts of the world, these types of family living arrangement have long been the norm. But in Britain, households have rarely bridged the generational divide. In fact, Office for National Statistics (ONS) data from the most recent census (2021) shows that just 2.1% of households in England and Wales were multi-generational – a modest rise from 1.8% in 2011.

 

But according to our UK-wide survey, things could be changing fast.

30% of people told us they live in a multi-generational household, while 70% are living solo (or with people from their own generation).

Males were more likely than females - 32% versus 27% - to be living in a multi-generational home.

The younger people are, the likelier they are to live alongside different age groups.

Percentage of people living in a multi-generational household
Age 'Yes'
18 - 24 53%
25 - 34 44%
35 - 44 35%
45 - 54 27%
55 - 64 21%
65 - 76 7%

 

In addition to age and gender, there are longstanding cultural factors that influence living arrangements across Britain’s diverse communities.    

Indeed, our survey found that 16% of respondents live in a multi-generational household due to ‘cultural traditions and expectations’. This figure climbs to 24% among younger millennials (25-34 years olds) and 27% in the South East overall.

So what does multi-generational Britain look like in 2024?

Percentage of multi-generational UK households

 

City 'Yes'
Belfast 34%
Birmingham 38%
Brighton 21%
Bristol 32%
Cardiff 25%
Edinburgh 22%
Glasgow 27%
Leeds 24%
Liverpool 27%
London 38%
Manchester 27%
Newcastle 25%
Norwich 20%
Nottingham 20%
Plymouth 24%
Sheffield 18%
Southamptom 24%

 

London and Birmingham shared top billing as the UK cities with the highest rates (38%) of multi-generational living.

But do these stats reflect strong family ties, or are there underlying economic trends? Our survey suggests that even with the best will in the world, it’s not always easy to ‘keep it in the family’.

Multi-gen money worries

Running a household is a huge financial responsibility, and it’s no secret that for millions of Britons, rising living costs have impacted decisions about accommodation.

  •  67% of respondents agreed that multi-generational households are more of a necessity now due to the cost of living crisis. Women were more likely than men to agree – 72% versus 63%.

  • 40% of people who are living in a multi-generational household said the cost of living crisis was the reason. This was highest (46%) among older millennials (35-44 year olds).

  • Across the UK, many attributed their multi-generational living arrangement to the cost of living crisis. They were most likely to live in Northern Ireland (55%), the North West (46%) and Greater London (44%).

  • When asked what the main benefit of multi-generational living was, people were most likely to answer ‘contribution to the bills’ (49%). But the age gap was significant, perhaps reflecting the differing perspectives of homeowners and their adult children. 66% of 65-76 year olds cited ‘contribution to the bills’ as a benefit, compared to 38% of 18-24 year olds.

According to the Bank of Family study conducted by L&G, many young people are also opting to live at home to save money for a deposit. In this, the average length of stay was three years.

The report estimates allowing family members to live at home whilst saving for a property deposit results in average forgone rental payments of £32,600. To add, 35% of survey respondents stated they have allowed their adult family members to live with them to help save for a deposit.

Moving back in with family helped Andrew save money for a deposit allowing him to get onto the property ladder.

Andrew Dennis from Abercynon, near Cardiff

Andrew is a 28 year old Financial Reporting Oversight Supervisor and bought his first home in Abercynon, near Cardiff, for £123,000. To save for the deposit, he moved back to his parents' house in Pontyates, a village near Llanelli, during lockdown. He stayed for about a year, saving around £12,000 by cutting back on rent and commuting costs. Andrew did not receive any direct financial support from his parents, relying solely on his work salary and utilising the Help to Buy ISA to help him get on the property ladder.

Image of man entering front door of his new house

Strained relationships under one roof

They say blood is thicker than water, but even in the closest of families, it’s not always possible to ‘keep the peace’.

Almost a fifth (18%) of respondents said they wouldn’t let anyone move into their own home with them. This was higher among men (22%) than women (15%), and as high as 29% among 65-76 year olds.

However, our survey found that most of us would be happy to live with our nearest and dearest. So who would we tolerate living in close quarters?

Who would you be willing to let move in with you?

 

Adult children 35%
Mothers 33%
Siblings 31%
Fathers 26%
No one 18%
Grandparents 14%
In-laws 11%

 

Of course, situations differ – not everyone has grandparents or adult children, for example – but the results show some interesting trends by age, gender and geography.

  • The age group likeliest to have adult children (65-76 year olds) were also most likely (51%) to say they’d let their grown-up children live with them. Are we more conscious of getting family support in later life?

  • Gen Z were the most likely to put aside sibling rivalries. Almost half (48%) of 18-24 year olds said they would let a sibling live with them.

  • Regionally, people in Cardiff were more likely than anywhere else to say they’d take in grandparents (22%).

  • Meanwhile, Greater London was the region where people were most likely to answer ‘mothers’ (41%), and Brighton was the city where people were most likely to say they’d take in adult children (44%).

Shared occupancy, share optimism

Living with family members inevitably has its ups and downs. But while no one likes squabbling over the cleaning rota, our survey found that people are generally pro-cohabitation when it comes to multi-generational living.

Attitudes to multi-generational living - positive or negative

 

Age Positive (net) Negative (net)
All 42% 15%
18 - 24 45% 14%
25 - 34 48% 10%
35 - 44 46% 13%
45 - 54 40% 16%
55 - 64 36% 15%
65 - 76 38% 19%

 

There were regional differences. For example, multi-generational living gets a chillier reception in Edinburgh (32% net positive) compared to Plymouth (59% net positive).

Additionally, men were slightly more likely to see multi-generational households as a positive (42%) versus women (41%).

So what do people see as the benefits of living with our loved ones across the generations?

  • Almost one in two women (46%) selected ‘closer family bond’ as a benefit of multi-generational living.

  • Among older respondents, 51% of 55-64 year olds and 55% of 65-76 year olds said ‘help with elderly care’ was a benefit of living alongside different age groups.

  • Almost half (49%) agreed that it’s important to pass down personal knowledge (like family history and life stories) over the generations.

  • Reflecting on the past, nearly a quarter (24%) said they wished they received more ‘household knowledge’ growing up, such as cooking and cleaning.

The future of multi-gen families

One thing’s for sure: multi-generational families are here to stay. A clear majority (65%) of people believe this type of family set-up will become more common over the next decade. In fact, men were even more persuaded (67%) than women (63%) that over the next ten years, multi-generational living will become part of the fabric of family life.

And as our survey suggests, this may be no bad thing.

How interacting with other generations makes you feel

 

Happy 42%
Nostalgic 31%
Inspired 27%

Calm

24%
No particular feeling 14%
Frustrated 11%
Sad 6%
Unsure 6%
Angry 4%

 

While not everyone jumps for joy at the prospect of multi-generational mingling – 34% of 18–24 year olds answered ‘happy’ compared to 49% of 65-76 year olds – the dominant trend was that all age groups are favourably disposed towards interacting across the age divide.


And across the country, these exchanges remind us of a shared past and a bright future. People in Sheffield were most likely to say that interacting with different age groups makes them ‘nostalgic’ (59%). Meanwhile, ‘inspired’ (40%) scored highest in Southampton.

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Meet our expert
Jen Evans

Jennifer Evans

Insurance Content Specialist, Retail Protection

Jennifer has over 16 years of experience across a variety of roles in our Retail Protection Marketing team at L&G. As an Insurance Content Specialist, she develops great content that both educates visitors about protection in general and our own products. She also supports in the development and review of useful articles and guides spanning across lifestyle topics to funeral planning and wills. She reviews the journeys to and through-out our website, making it as easy as possible for customers to reach the information they need.

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