The best way to lower housing costs for all but especially for people on the lower income ladder is to increase the supply of housing. The White House recognizes that the housing shortage increases home prices for everyone. The most expensive type of home to build and therefore buy is a single detached home. Townhomes are cheaper and apartments less than that. And yes affordable is relative to the costs of housing in the community and that cost is very high, median price 570k in HoCo.