Local districts have only exactly as many powers as granted to them by state governments. What was granted to them in the name of expediency and locality of con

Local districts have only exactly as many powers as granted to them by state governments. What was granted to them in the name of expediency and locality of control can be taken back by the state government, which is the ultimate sovereign controlling these matters. That's why this is a state issue - the localities are corrupt but the state could fix that by removing them from the equation. Mortgages and interest rates affect prices, but not the decision over whether to build more and how much.