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There are a ton of factors but most problems simply stem from greed. Boomers pulling the ladder up behind oneself and then making fun of millenials for having less assets and saying it's because we're lazy.
I don't agree that the reason single-family detached homes with lawns are necessarily unaffordable primarily because of greed. That might be one factor, but I think the main factor as to why they're unaffordable is simple geometry. Councils don't want to pay for miles of roads, pipes, and electrical cables just to serve less than a hundred families, so these costs get imposed on the developers and homeowners. Some states, including mine, will require new single-family developments to have an HOA, which is responsible for paying for the upkeep of some of these resources. That directly results in higher assessments for ratepayers. Or, where the council absorbs the costs, they still get passed on to owners and renters through higher property taxes.
So while I'm sympathetic to your arguments, I feel that blaming only greed is a shallow understanding of why nobody can afford a house.
"Councils don't want to pay for miles of roads, pipes, and electrical cables just to serve less than a hundred families"
Yes, correct, they don't want to pay for it. We need to allocate more taxpayer money to corporate bailouts.
Remember to add the 's/' for sarcasm
There may be GOPs reading this and that's their mantra
To make my point clearer because you missed it: Councils should NOT be paying for these regardless of whether anything relating to corporate bailouts happens, because detached single-family houses are a poor use of resources and an inefficient and wasteful form of housing.
Yeah - you forgot the realtors and realtor groups.
Absolute scumbags.
This is not a popular observation around these parts, but it's true. My city has almost no private equity presence in the market, yet we still have a housing affordability crisis. The geometry problem came first, caused here in the U.S. by zoning and building codes; then houses became the biggest source of investment wealth for individuals because of the artificial scarcity those codes created; then private equity smelled money and moved in.