If by "affordable" you mean $200 - $300k for a decent house, there are A LOT of places in the USA that are NOT small and uncool where you can buy an affordable house.
This is where I think the concept of "coasting" to financial independence could be beneficial for many. The idea is that you build up enough investments early in life such that without any additional contributions, your net worth will grow to support retirement at a traditional retirement age. Then you just need to make enough money to cover your monthly living expenses, which could open up a lot more career options that better fit your desired lifestyle.