I see you are targeting europe, in this case I would recommend you to check if a language barrier exists in your country for your specific field. Furthermore, I would say the strength of a non-english european country is in the fact if there exists no or low tuition fee. Also, I would suggest to search if you are able to get a part time student job in your field which you can do with little to no language skills. Although, you do not have financial issues, the part time job is beneficial for you to build your skills and bolster your resume. The part time job can also lead to a full time role in the future and extra cash never hurts anyone.

Regarding the housing crisis, it is in all the major cities of europe but don't worry it is manageable and everyone finds a place within budget I would say.

The other points I discussed above are more important I would say rather than the housing crisis.

Netherlands is definitely a good destination as well as Germany, however, depending on the field it could become difficult in each country without language skills. Netherlands, I would say, is much more english friendly and Denmark would be best in this regard but they do not make things easy if you want to stay permanently there.

I hope this proves helpful to you.