It is understandable if condos and houses are expensive in downtown. Downtown is where the office buildings are located. Downtown is fun, lots of stores, restaurants, museums, tourist attractions, bars, nightclubs, etc.  

Homes & condos near subway stations are also very expensive. People want to live near a subway station.

You want to live in a popular, desirable city neighbourhood or you want a home with a fancy view, you will have to pay the price.

You have to work hard in school, get high paying job, find rich boyfriend or rich girlfriend, save money. No fancy trips, no fancy vacations, no fancy restaurants, no fancy clothes, no fancy food, no fancy car, no fancy toys, no fancy sports equipment, no fancy home, no fancy apartment.

Save your money.

Some people are rich or have high paying jobs or started their own companies, businesses and became rich. They can afford to pay for fancy stuff, fancy home, fancy vacation, fancy car, etc. 

Some people worked hard for their money.