All the western countries go through urbanisation, and have been for the last few decades. Back in the days, industry would build a factory in a smaller country

All the western countries go through urbanisation, and have been for the last few decades. Back in the days, industry would build a factory in a smaller country town with a few thousand inhabitants and employ half the population there. Nowadays, this rarely happens anymore, only big cities get any industrial development of larger scales. All the office-based parts of the economy also gravitate towards larger cities (often unnecessarily). So demand for big-city-housing is rising permanently. This wasn't as much of a problem in the last decades. But then, central banks flooded the market with cheap money, making most "safe" investments unviable. Therefore the only "safe" investment left is real-estate which also drives up prices in addition to the increase in demand. And here we are. How do we fix it? Get central banks to stop printing cheap money. No idea how that will work out, because it also has other consequences beside the housing market. And stop urbanisation, make the countryside more viable for industry, commerce, office space. Improve transport around the countryside and suburbs. Curb speculation by promoting home-ownership (for the home you live in, not the 20 you rent out) through tax incentives and other measures (currently, in Germany, you pay lower taxes when renting out a property than when living in the same property, because when renting it out the mortgage payments are "business expenses").