Where are these numbers coming from? I think your 408,424 numberis from here and for 2000. U.S. census numbers for 2017-2020 show total households as 426,769, which would suggest a ~4.5% household growth outpacing pop growth.

> There is actually less housing now by over 20k units. I guess the following question is why or how did that happen?

This is actually surprising to me and I wouldn't have guessed total units actually going down. I guess houses have a natural attrition rate from fires, neglect, plain old neglect, and things like that. If nothing new is built, then supply will naturally decrease.