I can't put a shovel anywhere in my yard without hitting limestone rocks of various sizes. Most 2-5 inches, but some nearly 20" inches.
I think the builders just put a thin layer of fill dirt over the rock and clay and then planted lawn. I'm trying to add organic matter to add to the soil, and If I could, I would have a truckload of topsoil brought in.
Came as a huge surprise to me as well, since I came from the Sacramento valley and we had clay, but also a lot of old river bottom soil from floods before the dams were built.
Definitely an adjustment, but "one wheel barrow at a time" and eventually my lawn will be healthier.