It's not really something the federal government can do much about. There is a vast difference between the availability of affordable housing between a state like, say, California, and New Jersey. The latter has far more programs, and far more available stock, and far more perfectly livable, undeveloped land where new housing, offices, stores, etc. could be built for the long term. California, on the other hand, has little to no affordable housing stock, and since it is so hard, already, with the available space to build new single family housing (and because, in the past, affordable housing programs in large apartment towers have turned out to be hotbeds of societal ills, so nobody wants to build high-density affordable housing) prices have skyrocketed and whenever a natural disaster, which is common in California but very uncommon in New Jersey, comes and destroys a bunch of houses, all the sudden a bunch of people become homeless.
All these issues are dealt with at the level of the municipality and the state, the federal government has significantly less power here. Now, I am no expert in affordable housing programs, if someone who has done more research on this topic would like to come and correct me, they are welcome. But this is my basic impression from what I've seen.