If you were a community, municipality or country committing to the principle that all people deserve shelter, how would you make that principle a reality?
Make it mandatory for housing developers to build a % of low cost houses for every luxury development at their own cost or not get approval for the luxury development.
The government builds high density 3 bedroom apartment complexes that are rent to own for the low income group. These complexes easily house 15,000 people or more.
The government subsidises larger terrace houses specifically for young families first house by covering the 10% deposit and tax exemptions.
My cuntry also give free healthcare, schools and subsidised universities.
Just to clarify, not to start a whole debate, but it's not truly free. You are paying for it through taxes which means it's probably cheaper for the average person, which is fair, but you pay a heck of a lot more in taxes than some other countries. Here in the US, generally low income people will qualify for "free" healthcare and university (or if not, universities will typically cover the majority of tuition with grants). Kindergarten through 12th grade is covered by taxes for everyone as well. I do like the idea of requiring a certain percentage of properties to be high-density, that way you don't have a developer building exclusively luxury properties and screwing everybody else over.