Heather Colley and her two children moved four times over five years as they fled high rents in eastern Tennessee, which, like much of rural America, hasn't been spared from soaring housing costs .

A family gift in 2021 of a small plot of land offered a shot at homeownership, but building a house was beyond reach for the 45-year-old single mother and manicurist making $18.50 an hour. ×

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