CA has Title 24, which mandates net zero for new homes, so that is the long term focus.
Check out the home we just completed for $145K, looks great, great performance and very comfortable. It's just hard to do at scale with out a bit of a war chest.
As you know, blowing foam, sealing leaks, upgrading HVAC, and good windows will run most folks close to $60-$100k to upgrade. That will still leave it fairly leaky, have an un-insulated foundation and be an older structure. Wish there was an easier solution to upgrading existing homes, but that is a tough business.