Both housing and education are also largely driven by regulation. Housing when it comes to restricting new building, and education in regards to student loans.
> Housing when it comes to restricting new building
Which is a very relevant form of regulation with regards to housing costs, because this regulation tends to exist more in places with high housing demand. So, you can still buy a cheap house in the middle of nowhere where there also is likely (gasp) no regulations on housing. Not sure what the causal relationships are exactly but the correlation seems to be there for sure.
I just sum it up as the baby boomers fucking over their kids for a quick buck, but shrug what do I know?