In this episode of Everyday Economics, we take a closer look at one of the most overlooked drivers of America’s housing affordability crisis: government policy. Homebuilders say government fees, permitting costs, and local regulations are adding tens of thousands — even more than $100,000 — to the cost of a new home before construction even begins. We unpack where those costs come from, how they affect buyers, and why housing shortages are often the result of policy decisions rather than market failures. 🏠 In this episode: 🔹 Why government fees can add over $140,000 to the cost of a new home 🔹 How zoning laws, permitting delays, and regulations reduce housing supply 🔹 Why builders aren’t producing enough homes to meet demand 🔹 How tax policy and migration patterns are reshaping housing markets 🔹 Why affordability challenges are often created by local government decisions We also explore how policy changes in states like California, New York, and New Jersey are driving migration and putting pressure on nearby housing markets — and what that means for home prices in 2026. As always, Everyday Economics breaks down the data behind the headlines so you can better understand what’s happening with housing, affordability, and your financial future.

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