Is staying away from one's wife for more than a year less harmful than bringing her over without a mahram due to financial inability, and are there any organizations that help provide affordable housing?

A man is not permitted to be absent from his wife for more than six months except with her permission. A woman is not permitted to travel without a mahram (definition), even if the purpose of her travel is to join her husband. If it is difficult to find a mahram or to afford his expenses, she is permitted to travel with a trustworthy group of companions. This falls under the principle of committing the lesser of two evils. As for high prices, the relevant authorities and charitable organizations should be consulted regarding them.