That would imply that 96-97% of population growth in your city immediately becomes homeless. Obviously, that is not the case.

I've seen people live with their parents till 40 while waiting for a tiny room that will cost 2 or 3 times what their parents pay for their large villa with large garden.

Its quite simple to me. We the grown ups (together) are to facilitate housing for the kids. If we can't do that anymore we should ask ourselves why we don't want to do that anymore?

Quite interesting is how the (now proverbial) 40 year old isn't really attacking the problem.

I won't be around but I'm curious how their kids in turn will share the tiny room till 40.

No it doesn't. The number would be the percentage of additional housing needed. Existing housing doesn't suddenly disappear each year.

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