The other issue is that property tax revenues depend on high home prices, so even local governments have an incentive to keep these prices artificially high. "Affordable housing" programs are always going to be in the form of subsidies, because that's how you keep this racket going.
Those quotes are required. If there were a real desire to fix the housing issues in the US we would see some radical changes. The incentives are not aligned as you pointed out.
reply