I suspect the numbers would be worse if you looked at households instead of individuals due to declining marriage rates (but I'm not willing to put in the effort to find numbers).
I don't understand what you're saying. To me, if the rate stays flat but represents fewer married couple, then this same rate actually means more homes are owned by people of that age.
Meaning - if guy and girl are married and own a house together, that counts as 2 people towards home owner bucket.
If they are not married, they'd need to each own a house for the same rate to hold.
