Jack grew up with childhood pets and lives in the suburbs.
If people own at least one pet, then they do not have tidy houses. If people grew up with childhood pets, then they own at least one pet. If people hire a maid or cleaning service, then they have tidy houses. If people live in the suburbs, then they have tidy houses. Jack either does not hire a maid or cleaning service or, if he does, then he does not own at least one pet.
∀x (OwnPet(x) → ¬TidyHouse(x)) ∀x (ChildhoodPet(x) → OwnPet(x)) ∀x (HireCleaning(x) → TidyHouse(x)) ∀x (Suburbs(x) → ChildhoodPet(x)) ¬(HireCleaning(jack) ⊕ OwnPet(jack))