>>We are building a new home on a golf course and it is costing us under $200,000.

Wow. Allow me to be parochial: you won't have heard of a place called Huntly, but for years it was the local equivalent of Po-Dunk, an awful coal dust town that you drove though on the way South. Ngaruawahia was worse with two infamous pubs and a gang reputation. Now they're both filling with young professionals and workers with schools and amenities following. Why? Because people who can't afford a house in their favourite street in town, take command of their own destiny and vote with their feet. Give it a few years and Huntly may be more desirable than a rat race suburb in the city that young people thought was what they wanted.

http://www.stuff.co.nz/life-style/home-property/70300466/auckland-housing-heat-spreads-to-rural-waikato-towns

I've also observed this in US cities after wealth fled to the subdivisions and the inner city became a slum, but more recently was transformed into hip apartments for preppy types.