<p>A recently completed survey by Harvard University's Joint Center for Housing Studies showed that the price of homes have gone up so high over the past 13 years making the availability of affordable housing not only a problem for the poor, but for middle-income families also. It has made the dream of owning a home just that for a growing number of people. Among the survey's findings: The median price of a U.S. home went up more than 6% in 2001 to $147,500 from the previous year. From 1991 to 2001, the rise in family income (45%) lagged gains in home prices (52%) despite an increase in the number of two-income earning families. A quarter of homeowners and 40% of renters spend at least 30% of their income on housing.</p>