What Happens When Housing Prices Go Down (because they are)?

The common belief that building more homes lowers prices ignores what happens when prices actually fall: builders retreat, lenders tighten, and supply collapses. The housing market is dominated by financial interests requiring rising prices for stability, not affordability. True affordability requires local, small-scale development of entry-level homes, reforming regulations, and local financing—creating a resilient system built from the bottom up, not reliant on financial engineering or debt expansion.