People will be able to remote work due to internet technology, local work hubs will appear where you can have social interactions.
Well, sure, if the only people buying houses are the ones who can afford them without getting loans, you could technically describe it that way. But perhaps you could explain a bit further how hard currency / ban on fractional reserve would make housing affordable?
I speculate that house prices has increased mainly due to credit expansion. If you limit credit expansion by using hard currency house prices would be more stable over time like hard assets.
This is probably true, but not everywhere. There are still many places where the cost to build a replacement home (cost of labor and materials) is higher than the price of an existing house+land. Some societies try to solve this problem by forcing people to move.