The costs of gas, fuel, and food continue to rise, but the cost of shelter, another one of life’s basic necessities, is a different story. Housing affordability rose to its highest levels in the 20 years since it has been measured, according to the National Association of Realtors composite Housing Affordability Indexand the National Association of Home Builders (Wells Fargo/NAHB) Housing Opportunity Index.  Essentially, these indices are a measure of the financial ability of US households to buy a home. The two major determining factors of these indices are income and housing cost. Thanks to…