Going to have to reverse urbanization. One of the affordability issues is the fact that people are packed around cities like sardines.
Land doesnt expand but the number of people within a geographic areas seems to grow.
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That might work well since generally the older population lives in the rural areas. Might be a lot of vacancies and opening for a new wave of modern rural living.
There are areas in Japan and Germany where they will give you the houses.
In Japan, it is called Akiya. That is a house that the owners died and their kids live in the city and dont want to bother with it. Basically, they are abandoned and the towns are stuff dealing with them.
Of course, if you want excitement, those arent the places to be as those towns are dying.