Now there are two ways to have an affordable house.
The first way to have an affordable house is to buy a house in an older nei ghborhood and fix it up while living in it. Then look for other people to s upport the same neighborhood and make a safe area.
The second way to have an affordable house is to build the house yourself. Also, it might be possible to hire sub-contractors for the same cost as bui lders do.
Now since the house is being built by the owner, then there is a choice of how to build the house. And while a steel frame house would be a good choic e for an earthquake area, lumber is just many times more affordable. So bui ld the house with lumber but use steel lumber connectors and make a strong house otherwise. But the popular steel lumber connectors are only galvanize d steel and not stainless steel. So buy stainless steel flats in 10' foot l engths, in 0.1 thickness, and 1 1/2" to 2" wide. Then cut the stainless ste el into short lengths, bend them 90 degreess in a vise, drill holes in them , and use them for lumber connections. Also, use stainless steel wood screw s.
With the house framed then sheath the outer walls and this makes a house ra ted for high wind. Now here, OSB board is said not to have any more formald ehyde in it than plywood. However, plywood will hold a nail better and will stand up to a temporary water leak better. So use plywood ? Well, no. Ther e might be off-brand plywood with more formaldehyde in it than name-brand p lywood and there are some items in the news about new home owners dying wit hout explanation. So sheath the walls with 1" x 6" boards (or less) and the se actually measure 3/4" x 5 1/2". And since boards are more prone to warpi ng than plywood then use stainless steel wood screws for attachment. Then s heath the roof of the house with 1" x 6" boards also. But for the flooring just use name-brand plywood.
For the roof covering, consider standing seam metal roofing in stainless st eel. Well, stainless steel doesn't rust like steel, doesn't corrode like al uminum, doesn't age like plastic or paint, and doesn't deteriorate like asp halt shingles. And there are some do-it-yourself stainless steel roofing sy stems going around.