Isn't it the case that the vast majority of people lacking housing are really lacking in land (or at least, stable land)? $10K on a permanent structure is only

Isn't it the case that the vast majority of people lacking housing are really lacking in land (or at least, stable land)? $10K on a permanent structure is only viable if you have permanent title on the land below it. There are places in the UK in which you could buy brick-and-mortar constructed homes, fully wired in to electricity, water, gas and telephone lines with a freehold for approx 5x that - the cost usually isn't prohibitive as such, it's the fact that they're in the wrong place (local jobs pay barely anything, or the community is bad). Similarly I can go out and buy a car for 300 GBP, but the insurance costs (especially if young), excise duty, fuel costs, ongoing maintenance absolutely dwarf it. I suppose what I'm saying is that I don't feel construction costs are relevant here, there are a whole bunch of regulatory / community / cultural issues in play.