Housing is an investment. Investment prices must go up. Housing is shelter. When the price of shelter goes up, people experience distress.

Most cities have zoning codes and building regulations that stunt the local housing market. If you want to build anything other than a single-family home on a large lot, you’re probably going to need a variance, a rezoning, or a long, expensive approval process. That’s a huge barrier for small-scale developers, homeowners, and local builders who might otherwise be able to add housing in a way that fits the neighborhood.

A healthy housing market isn’t built by a few big players dropping in massive developments. It’s built by homeowners, local builders, and neighborhood developers—each making their own contributions. The incremental approach works because it’s fast, adaptable, and rooted in the community. It allows neighborhoods to mature naturally. It spreads out risk. And it creates opportunities for wealth-building at the local level. When you legalize and support this kind of development, you unlock the power of many hands working together to solve the housing crisis.