The government has been subsidizing home construction in the form of mortgage interest deduction, federally insured mortgages, and interest rates. None have hel

The government has been subsidizing home construction in the form of mortgage interest deduction, federally insured mortgages, and interest rates. None have helped solve the problem, which is simply that homes are not allowed to be built in areas they are desired. A developer can make a nice efficient design for an attractive building and then go through 3 years of reviews because of zoning and nimbyism and ultimately get nothing built. Solve zoning and housing affordability will massively improve.