Abuja, Nigeria’s capital, faces a severe housing crisis as rapid urbanization and population growth outpace affordable housing supply.Despite national policies and private investments, over 1.7 million housing units are missing, pushing low-income earners into peripheral settlements.

State-led programs often favor middle and upper-income groups, with projects like Renewed Hope City allocating only 32% of units to low-income families.High mortgage rates, lack of affordable financing, and strict loan criteria exclude many from homeownership.Urban planning neglects cultural needs, favoring nuclear family designs over extended households.Informal settlements are demolished for upscale developments, displacing thousands.

Solutions include subsidies, low-interest loans, regulated developers, upgraded informal settlements, and culturally sensitive housing designs to ensure equitable access.