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Yes that's a problem, still Americans have higher average pay than most countries. With lots of room and cheap materials, it should be relatively easy to afford a house. And AFAIK it used to be that way. People could afford a house, car, children and health insurance on one income.
It's a mix of outdated zoning laws, investment firms buying up all the available housing and car centric infrastructure
Items #1 and #3 are restatements of the same issue, and #2 is a red herring.
The problem really is just car-centric zoning.
No there's other things that aren't specifically car centric but are definitely a cause for undue expenditure.
You don't think that the firms looking to earn passive income and controlling a significant amount of the supply is an adding additional expense by adding an unneeded middleman?
Don't get me wrong car centric infrastructure can get fucked but I think it's important we work on the problem from all angles.
I think the ridiculous protectionist (for NIMBYs and the rich) laws restricting supply are the main reason their business model is so lucrative.
If you hate big landlords and REITs, working to abolish zoning density restrictions is the best thing you can do in order to drive them to bankruptcy.
I can guarantee you they would still find a way of profit on it and extract as much value as possible, that's just capitalism's end game.
The firms thing is very real. In a local small town, the majority of rented homes are owned by the same company.
Country size is irrelevant. People like clustering together in cities.
True, but there is still generally better possibility to expand those cities outwards. But that requires that new building plots are developed, and made available at fair prices.
If new legal building plots aren't made available as needed, prices will increase on existing homes.
But that just means people are commuting in. There is cheaper housing spread out from the cities, but few people actually want to live there, and those who do will commute hours into the city for work. It's often more prudent to rent in a city..
We need density, not spreading out.
Continuing to sprawl outward is the worst thing we can possibly do. It is literally omnicidal.