"You shall not covet your neighbor's house" is a general statement; "his manservant, his maidservant, his ox, or his donkey" is a specification. With a general statement followed by a specification, the general includes only what is in the specification. When it then says "or anything that is your neighbor's," it generalizes again. With a general statement, then a specification, then a general statement, you may infer only things like the specification: just as the specification refers explicitly to something one can buy and sell, so too anything one can buy and sell. Or perhaps: just as the specification refers explicitly to movable property that has no fixed security [is not real estate], so too I should include only movable property that has no fixed security? When it says in Deuteronomy "his field" (Deuteronomy 5:18), it shows: just as the specification refers explicitly to something one can buy and sell, so too anything one can buy and sell. Or perhaps: just as the specification refers explicitly to something that can come into your possession only with the owner's consent, so too I should include only something that can come into your possession only with the owner's consent. This excludes a case where you covet his daughter for your son, or his son for your daughter; or even where one covets merely in speech. The verse therefore teaches "You shall not covet the silver and gold that is on them and take it for yourself" (Deuteronomy 7:25): just as there the prohibition applies only when one performs an act, so too here it applies only when one performs an act.
What the Prohibition Against Coveting Actually Forbids
Yalkut Shimoni on Torah 299:2
לֹא תַחְמֹד בֵּית רֵעֶךָ, כְּלָל, עַבְדּוֹ וַאֲמָתוֹ שׁוֹרוֹ וַחֲמֹרוֹ, פְּרָט, כְּלָל וּפְרָט אֵין בַּכְּלָל אֶלָּא מַה שֶׁבַּפְּרָט. כְּשֶׁהוּא אוֹמֵר וְכֹל אֲשֶׁר לְרֵעֶךָ, חָזַר וְכָלַל. כְּלָל וּפְרָט וּכְלָל, אֵי אַתָּה דָּן אֶלָּא כְּעֵין הַפְּרָט, מַה הַפְּרָט מְפֹרָשׁ דָּבָר שֶׁהוּא קוֹנֶה וּמַקְנֶה אַף כָּל דָּבָר שֶׁהוּא קוֹנֶה וּמַקְנֶה. אֵי מַה הַפְּרָט מְפֹרָשׁ בִּנְכָסִים הַמִּטַּלְטְלִין שֶׁאֵין לָהֶן אַחְרָיוּת אַף אֵין לִי אֶלָּא נְכָסִים הַמִּטַּלְטְלִים שֶׁאֵין לָהֶן אַחְרָיוּת. כְּשֶׁהוּא אוֹמֵר בְּמִשְׁנֵה תּוֹרָה "שָׂדֵהוּ", מַה הַפְּרָט מְפֹרָשׁ בְּדָבָר שֶׁהוּא קוֹנֶה וּמַקְנֶה אַף כָּל דָּבָר שֶׁהוּא קוֹנֶה וּמַקְנֶה. אִי מַה הַפְּרָט מְפוֹרָשׁ דָּבָר שֶׁאִי אֶפְשָׁר לָבֹא לִרְשׁוּתְךָ אֶלָּא לִרְצוֹן הַבְּעָלִים, אַף אֵין לִי אֶלָּא דָּבָר שֶׁאִי אֶפְשָׁר לָבֹא לִרְשׁוּתְךָ אֶלָּא לִרְצוֹן הַבְּעָלִים, יָצָא שֶׁאַתָּה חוֹמֵד בִּתּוֹ לְבִנְךָ אוֹ בְּנוֹ לְבִתְּךָ, אוֹ אֲפִלּוּ חוֹמֵד בְּדִבּוּר, תַּלְמוּד לוֹמַר (שם ז, כה) "לֹא תַחְמֹד כֶּסֶף וְזָהָב עֲלֵיהֶם וְלָקַחְתָּ לְךָ", מַה לְהַלָּן עַד שֶׁיַּעֲשֶׂה מַעֲשֶׂה, אַף כָּאן עַד שֶׁיַּעֲשֶׂה מַעֲשֶׂה.