Taken together, the provisions have the potential to substantially increase housing supply and create low-cost options for achieving the American Dream of homeownership, an ideal that's been slipping away. More than 70% of Americans are concerned about housing affordability, according to several polls. No wonder, considering that the national median price for a single-family home is roughly $400,000 , in a real-estate market with a housing supply shortage of 4 million homes and while 30-year mortgage rates ...