Rising standards create floors and ceilings. To use the GP's example: if the median standard home has electricity, a minimum insulation R-value, a minimum grad

Rising standards create floors and ceilings. To use the GP's example: if the median standard home has electricity, a minimum insulation R-value, a minimum grade of roof, minimum square footage, bathroom plumbing, land setbacks, etc, governments tend to align their habitability inspection requirements with those standards. Let's say hypothetically that County X establishes the 2023 habitability requirements, and these requirements by market necessity cost a minimum of $120k for the dwelling and $120k for the land. Let's say you're a single guy on minimum wage who is absolutely fine not having electricity, is ok with dealing with the occasional roof leak, and has no problem using a composting toilet. You want to buy a home, and you can absolutely afford it, but County X is preventing you from doing so because the standards have been set by people making more than minimum wage.