No one forced them to pay more than the minimum for housing.
Not all land in a given area are equal in their attribute and there's fundamental scarcity in desirable lands. The richest presumably purchases houses in locations that has the most amenities, while everybody scrambles for the rest.
Not all land in a given area are equal in their attribute and there's fundamental scarcity in desirable lands. The richest presumably purchases houses in locations that has the most amenities, while everybody scrambles for the rest.