Norwegians typically move out of their parents home early, typically at 18-20 years. Because the housing market has mostly gone up the latest decades, buying a home is perceived by most as a good and safe investment. Getting help from parents is common. If you do not get help from your parents, you need to save money. There are special tax incentives for saving for your first home. But it can still be very hard.

Norway doesn't typically have HOA in the american sense. Our HOAs exists for common infrastructure, like roads, playgrounds, etc.. But you need to abide by law and local regulations, which in many cases means you need approval from neighbors for building extensions. If you live in an apartment, the exterior of the building is typically under strong rules by HOA, but you can do what you want indoors. There is a 2.5% tax on selling your house. The rental market exists mostly for young people without sufficent savings, poor people, or short-term workers.

I am not trying to convince a dictator about the benefits of home ownership. In a democracy, the government should represent the will of the people. If something is good for individuals, the government ought to support it, unless there are good reasons not to.