Yes, I currently live with my parents, in a house.
I don't know about where you live, and especially about New York, but around here, living in a house is generally the goal. I'm not too far off from being able to live in an apartment I'd want to live in by myself. Doing so with one roommate would be easy-peasy.
Getting a house? Got a long fucking way to that.
EDIT: Also you seem to be using the term modest to mean broke. There's not many reasons for someone our ages to live with our parents if we weren't broke. That's why I've done it for most of my life. I don't consider that "modest." I consider living by myself with enough to get by living modestly.