The town in Zhuhai with lower housing prices is Jinwan District. This area has consistently shown lower median housing prices compared to other districts in Zhuhai, such as Xiangzhou and Hengqin. According to data from the Zhuhai Statistics Bureau, the median housing price in Jinwan District was approximately 10,000 yuan per square meter in 2023, whereas Xiangzhou and Hengqin districts had median prices of around 15,000 yuan and 20,000 yuan per square meter, respectively.

The reasons for Jinwan District's lower housing prices can be attributed to several factors. Firstly, Jinwan District is less developed compared to Xiangzhou and Hengqin, which are more established and have seen significant infrastructure and commercial development. This relative underdevelopment means that there is less demand for housing in Jinwan, leading to lower prices. Additionally, Jinwan District has a larger supply of housing units, which also contributes to the lower prices. The district has seen an increase in new residential projects in recent years, which has helped to meet the demand and keep prices in check.

Furthermore, the government's land use policies have played a role in the lower housing prices. The government has allocated more land for residential development in Jinwan District, which has helped to increase the supply of housing units and stabilize prices. In contrast, Xiangzhou and Hengqin districts have seen more land allocated for commercial and industrial use, which has driven up housing prices due to higher demand.

It is also worth noting that the lower housing prices in Jinwan District do not necessarily mean lower quality of life. The district offers a range of amenities, including schools, hospitals, and recreational facilities. Additionally, the proximity to the beautiful beaches of Zhuhai and the convenient transportation links make Jinwan an attractive option for those looking for affordable housing without sacrificing quality of life.

In conclusion, Jinwan District in Zhuhai is the town with lower housing prices due to its relative underdevelopment, larger supply of housing units, and government land use policies. These factors have helped to keep prices in check, making it an attractive option for those looking for affordable housing in Zhuhai.