This paper confirmed that the distribution of real estate assets and the types of residential occupancy between the Bayboom generation and the eco-generation cause differences in the understanding of the intergenerational housing market, and analyzed the changes in net assets and residential occupancy types on consumption expenditure. And, according to the analysis results, 1% decrease in net assets for homeowners and tenants in their 30s reduced their living expenses to 0.14% and 0.04%, and those in their 60s and older decreased 0.22% and 0.06%, respectively. This confirms that the older becomes the more sensitive spending in net asset decline than other age groups,suggesting that the baby boomers need to actively seek real estate securitization through the revitalization of housing pensions. In addition, it suggests that it is necessary to prepare a structure of a variety of high-quality rental markets with low deposit burdens, since the eco-generation households have a large burden of housing costs in rental markets.