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Bad housing policy is hurting people (and economies) in every economically productive or growing city. Spiking interest rates are just a small part of why housing is cripplingly unaffordable to most people.

Even the small number of cities building significant amounts of new housing (Austin, Raleigh, Nashville, etc.) are not accomplishing affordability once you take transportation expenses into account. We've forgotten how to build affordable, prosperous, livable cities.