It's not so much a social problem as a political problem. Zoning rules are applied at the local level, with the result that having a vote requires already living somewhere and then the rules reflect what people who already own a home there want (higher prices) rather than what people who would like to own a home there want (lower prices).

But technology often can solve political problems by shifting the balance of power. Come up with more ways to make it easier for people to live away from high cost of living areas, for example, so that governments with high housing costs start losing tax base to other jurisdictions.