A decade ago, when 5,000 settlers a month were arriving in this valley, the suburban frontier moved out into the desert so fast the zip codes couldn’t keep up.

Then came the financial crisis, and the frontier stopped at places like the back fence of 4132 Recktenwall Ave.

The four-bedroom house there, meant to be owned by its residents, is today a rental. And the Severance family, meant to be owners, are its $1,365-a-month renters.

It’s all part of a national shift away from home ownership and toward renting.

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