Why do some consumers rent and not own? New survey results suggest that the answer to that question is not a straightforward one.

They have insufficient savings or too much debt; they do not have enough income; they have lackluster credit; they do not desire the upkeep required of a home; and they do not want to be tied down in one place.

Those, according to a new survey from the New York Fed, are the top five reasons that renters do not own their own home, and as you can tell, they range from economic insecurity to a general disinterest in some of homeownership’s traits.

If there’s any consolation, though, it seems that renters still aspire to own. Nearly 20 percent of those surveyed said that homeownership was a good investment in their area, and more than 40 percent said it was a somewhat good investment.

See our graph below for a full list of the renter’s reasons for avoiding homeownership: