You don't need a house to have kids. Poor people manage to have kids with no assets whatsoever and many animals manage to have kids without anything even resembling a house.
It seems much more likely that humans don't have a particular impulse to have children because their instincts were designed for a world without birth control. Having children has become uneconomic, so people stopped. There isn't a natural instinct to raise alarms about that (which is what evolution would tend to do) because historically that just wouldn't have mattered. Both because people were poor and because sex used to imply children in a way it doesn't now.
The house thing is really a red herring. Sure we'd all like to own a house and being wealthy is better than being poor. But in a literal sense - not necessary and for almost all of our evolutionary history people have been reproducing without any wealth at all. The stats actually seem reasonably clear that it is exactly wealth that is blocking the children, despite the excuses that people come up with.
A real boon from chance that is unlikely to last, we're probably lucky to be living in this era before evolution starts kicking in and pushing us back towards overpopulation. Which will happen in a few generations.