Government is one of the primary reasons why housing is so expensive. In some areas, the cost to develop a plot of land has gone up 10x in as many years. Permit process is expensive and takes time. Laying utilities is expensive. Paying the myriad of fees is expensive.

In one place I lived, the cost of developing a plot of land for single family use was almost $70k, and that was not an expensive state like California.

And then mortgage rate hikes have to be considered. Buyers are walking away from contracts and homes being built because rate hikes made the homes unaffordable.

Less government is the solution, not more.