The cheapest housing costs are found in rural and exurban areas.
Jay Sun

Rural and suburban areas are not necessarily affordable to the people who live and work in those areas. However, there are some good, successful government programs that make that housing accessible. For example, for rural areas there is the USDA Rural Development 502 direct loan program, that provides low rates and a low down payment requirement. For suburban areas, there is a movement for “workforce housing” that allows your teachers, police officers, fire fighters, nurses, etc to actually live in the communities they work in (there has been a lot of resistance to these types of programs as they work primarily though planning board and zoning restrictions). These are Democratic programs that are working in the Republican areas to help people actually live in these communities.

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