A report analyzing the top 100 U.S. metro areas ranks Des Moines highest for housing affordability and growth, while cities like Los Angeles and New York rank lowest. The housing crisis stems from a shortage of over 4 million homes, rising construction costs, and regulatory challenges. Metros with efficient permitting, less restrictive zoning, strong job markets, and abundant land show better affordability and growth prospects. Revising zoning laws is recommended to boost housing supply.