You're describing two different problems. Housing supply in the Bay Area and New York -- the areas I'm assuming you're talking about, because most other metropo

You're describing two different problems. Housing supply in the Bay Area and New York -- the areas I'm assuming you're talking about, because most other metropolitan cities are building to keep up with supply just fine -- is incredibly low. In addition, in the Bay Area especially, the incredibly high salaries in combination with that supply is causing skyrocketing prices.