I would generally agree. I don't think it's the size of the community. It's the role the community plays, whether as an urban centre for surrounding smaller places, or as a service provider. However, if many small municipalities that aren't really “in housing” and don't have the expertise or housing staff are trying, all of a sudden, to grapple with this, it would be inefficient and probably won't lead to the best use of dollars.
We serve communities around us. There are service providers that can do it for the entire catchment area, and do it well.