A Comprehensive Guide on Affordable Housing in Kenya

Welcome to our comprehensive guide on affordable housing in Kenya. In this article, we will provide you with valuable insights into the current housing situation in Kenya, the eligibility criteria for affordable housing, the pricing range of affordable housing units, government initiatives and proposals, financing options for affordable housing, challenges faced in implementing affordable housing projects, and much more.

As you continue reading, you’ll discover the benefits of affordable housing, the techniques and strategies for building cheap houses in Kenya, upcoming housing projects, and how you can take advantage of these solutions.

Key Takeaways:

  • Affordable housing is a crucial aspect of Kenya’s development and a fundamental right for all citizens.
  • There are several eligibility criteria to qualify for affordable housing in Kenya, including income requirements, citizenship, and employment status.
  • The pricing range of affordable housing units in Kenya varies depending on the type of unit and location.
  • The government has proposed several initiatives to address the housing needs of its citizens, including the Boma Yangu Affordable Housing Scheme.
  • There are several financing options available for purchasing affordable housing, including mortgages and government programs.
  • The challenges faced in implementing affordable housing projects in Kenya include land availability, funding constraints, and policy bottlenecks.
  • Affordable housing has numerous benefits, including improved living conditions, reduced homelessness, economic growth, and social stability.
  • The techniques and strategies for building cheap houses in Kenya include cost-saving measures, alternative construction materials, and innovative design solutions.
  • Several upcoming housing projects in Kenya are set to provide affordable housing solutions to citizens.

Who Qualifies for Affordable Housing in Kenya?

Eligibility for affordable housing in Kenya is determined by several factors, including:

  • Income requirements: Individuals must earn below a certain amount to qualify for affordable housing. The income threshold varies depending on the location and type of housing unit.
  • Citizenship: Only Kenyan citizens and permanent residents are eligible for government-funded affordable housing schemes like Boma Yangu.
  • Employment status: Applicants must be employed or have a regular source of income to demonstrate their ability to repay the housing loan.

In addition to these requirements, some affordable housing units are reserved for special groups of individuals such as civil servants, people living with disabilities, and members of the armed forces.

Examples of Affordable Housing In Nairobi

1. Pangani Affordable Housing Project


The Pangani Affordable Housing Project is one of the flagship projects under Nairobi’s regeneration plan. Located in the Pangani area, the project aims to provide modern, affordable housing units to replace the old Pangani estate.

Features and Amenities

  • Units: 1,500 housing units
  • Amenities: Playground, shopping center, and gym
  • Price Range: Ksh 3M – Ksh 4M


The project is a joint venture between the Nairobi City County and private developers.

2. Starehe Affordable Housing Project


Situated in the Starehe constituency, this project aims to provide affordable housing to low and middle-income families.

Features and Amenities

  • Units: 3,000 housing units
  • Amenities: Schools, healthcare facilities, and recreational areas
  • Price Range: Ksh 2M – Ksh 3M


The project is backed by the Kenyan government in partnership with international donors.

3. Mariguini Informal Settlement


Mariguini is an informal settlement that has been earmarked for an affordable housing project to uplift the living standards of its residents.

Features and Amenities

  • Units: 500 housing units
  • Amenities: Basic utilities like water and electricity
  • Price Range: Ksh 500K – Ksh 1M


The project is a community-led initiative supported by NGOs.

4. Kibera Soweto East Zone B


Located in the heart of Kibera, this project aims to transform the Soweto East Zone B into a habitable area with modern housing units.

Features and Amenities

  • Units: 2,000 housing units
  • Amenities: Community centers, schools, and healthcare facilities
  • Price Range: Ksh 1M – Ksh 2M

5. Park Road Ngara


The Park Road Ngara project is part of the government’s Big Four Agenda, aiming to provide affordable housing in the Ngara area.

Features and Amenities

  • Units: 1,370 housing units
  • Amenities: Commercial spaces, schools, and healthcare facilities
  • Price Range: Ksh 2M – Ksh 3M


The project is a Public-Private Partnership (PPP) between the government and private developers.

6. Shauri Moyo


The Shauri Moyo project aims to revamp the existing estate into a modern housing complex.

Features and Amenities

  • Units: 5,000 housing units
  • Amenities: Shopping malls, schools, and healthcare facilities
  • Price Range: Ksh 3M – Ksh 4M

Affordable Housing Prices in Kenya

Affordable housing in Kenya is priced to be accessible to individuals and families with low to moderate incomes. The cost of affordable housing is determined by various factors such as location, unit size, and amenities.

Generally, the price of a one-bedroom unit in Nairobi ranges from KES 0.5 million to KES 3 million. A two-bedroom unit can cost between KES 0.8 million to KES 5 million while a three-bedroom unit can cost between KES 1.5 million to KES 10 million. The prices of affordable housing in other regions outside Nairobi are lower and often range from KES 0.3 million to KES 2 million.

Unit TypePrice Range (KES)
One-Bedroom Unit0.5 million – 3 million
Two-Bedroom Unit0.8 million – 5 million
Three-Bedroom Unit1.5 million – 10 million

It is important to note that the prices of affordable housing are relatively lower than those of the overall housing market in Kenya, which can cost up to KES 50 million for a luxury apartment in Nairobi.

Affordable Housing Prices in Boma Yangu

Boma Yangu is a government-funded affordable housing program that offers affordable housing to Kenyan citizens. The program is aimed at providing decent and affordable housing to Kenyans, especially those in the low to middle-income bracket.

The cost of a Boma Yangu house varies depending on the location and size of the unit. A one-bedroom house in Nairobi costs KES 1.5 million while a two-bedroom house in the same location costs KES 2.5 million. In Mombasa, a one-bedroom house costs KES 1.2 million while a two-bedroom house costs KES 2 million.

Unit TypeLocationPrice (KES)
One-Bedroom UnitNairobi1.5 million
Two-Bedroom UnitNairobi2.5 million
One-Bedroom UnitMombasa1.2 million
Two-Bedroom UnitMombasa2 million

Boma Yangu provides various payment options such as a deposit of 10% of the total cost and the remainder paid in installments of up to 25 years.

The Affordable Housing Proposal in Kenya

The Kenyan government has recognized the urgent need for affordable housing for its citizens and has made it a priority in its development agenda. In 2017, the government launched the Affordable Housing Program (AHP), which aims to construct 500,000 affordable and social housing units by 2022. The program is part of Kenya’s Big Four Agenda, which also includes universal healthcare, food security, and manufacturing.

The key objectives of the AHP are to:

  1. Provide affordable and decent housing to Kenyans
  2. Reduce the housing deficit in the country
  3. Create jobs in the construction sector
  4. Promote the growth of related industries such as manufacturing and finance

The government has partnered with private sector players to implement the program, and has provided incentives such as tax breaks and reduced import duties on construction materials. The AHP has also established a financing mechanism called the Kenya Mortgage Refinance Company, which aims to provide long-term funding to primary mortgage lenders, making it easier for Kenyans to access affordable financing options.

The Four Pillars of the Affordable Housing Program

The AHP is built around four pillars, which are:

Policy and RegulationThe government has developed policies and regulations that promote affordable housing, including a reduction in the cost of construction and land acquisition.
PartnershipsThe government has established partnerships with private sector players to increase investment in affordable housing projects and reduce the cost of construction.
InfrastructureThe government is investing in infrastructure development to enable affordable housing construction, including the construction of roads, water supply and sewerage systems, and electricity supply.
FinanceThe government has established a financing mechanism, the Kenya Mortgage Refinance Company, to provide affordable long-term funding to primary mortgage lenders.

The AHP has also launched several initiatives to encourage participation and investment in the program. These include the Boma Yangu Affordable Housing Program, which aims to enable Kenyans to become homeowners by offering affordable financing options and reducing the cost of construction. The Boma Yangu program is available to Kenyan citizens above the age of 18 who have a monthly income of not more than Ksh 150,000.

Challenges of Affordable Housing in Kenya

Despite the government’s efforts to provide affordable housing in Kenya, there are still challenges that need to be addressed. Some of these challenges include:

  • Land Availability: One of the major challenges is the availability of land for affordable housing projects. Most land is owned by private individuals or organizations, making it difficult for the government to acquire land for housing projects.
  • Funding Constraints: The cost of building affordable housing units is high, and financing these projects can be a challenge. The government and private investors need to work together to provide funding for such projects.
  • Infrastructure Development: Access to basic infrastructure such as water, electricity, and roads is a key factor in the success of affordable housing projects. The lack of infrastructure in many areas makes it difficult for people to live in these areas.
  • Policy Bottlenecks: The government needs to streamline policies related to affordable housing to make it easier for private developers to build these units. There is also a need for clear guidelines on how the public and private sectors can work together to achieve the goal of affordable housing for all citizens.

Addressing these challenges will require a collaborative effort from the government, private sector, and citizens. By working together, we can ensure that everyone has access to a decent and affordable place to call home.

Financing Options for Affordable Housing in Kenya

For many Kenyans, owning a home can seem like an unattainable dream due to financial constraints. However, the government has initiated several programs to make affordable housing accessible to more people. Here are some financing options to consider:

Boma Yangu

Boma Yangu is a government-led affordable housing program that aims to provide safe and affordable homes for Kenyan citizens. The program offers two financing options:

Financing OptionDescription
Installment Purchase SchemeEnables individuals to purchase affordable homes through monthly installments over a maximum of 25 years. Buyers pay a 12.5% deposit and monthly installments of up to KES 50,000, depending on the value of the house.
Public Servants SchemeAvailable exclusively to public servants who earn a gross salary of up to KES 150,000. It offers subsidized prices and flexible payment options to enable public servants to own homes.

To join the Boma Yangu program, interested individuals need to submit an application and meet specific eligibility criteria.

Commercial Banks and Mortgage Companies

Several commercial banks and mortgage companies in Kenya offer affordable housing financing options. These financing options can be in the form of loans or mortgages. To qualify for these options, you need to have a stable source of income and meet the specific requirements set by the banks or mortgage companies.

Savings and Credit Cooperatives (SACCOs)

SACCOs offer affordable financing options for their members to purchase homes. These options are usually in the form of loans or mortgages. SACCOs consider various factors such as your credit score, income, and savings before deciding whether to approve your application.

Overall, the key to financing affordable housing in Kenya is to understand the available options and identify the one that best suits your financial situation. With the government’s programs and other financing options, more Kenyans can aspire to own a home and improve their living conditions.

Benefits of Affordable Housing in Kenya

Access to affordable housing in Kenya has several benefits for individuals, communities, and the overall economy. Some of the benefits of affordable housing in Kenya include:

  • Improved living standards: Affordable housing provides better living conditions, with access to basic amenities such as clean water, proper sanitation, and electricity. This helps to improve the health and wellbeing of individuals and families.
  • Reduction of homelessness: Affordable housing reduces homelessness by providing safe and affordable shelter to those who cannot afford market-rate housing. This leads to a more stable society and helps to reduce crime and other social issues.
  • Economic growth: The provision of affordable housing in Kenya creates jobs and boosts the local economy. It provides opportunities for local businesses and encourages spending in the community.
  • Social stability: Affordable housing creates a sense of community and helps to build social stability. It also helps to reduce inequalities and provides a pathway to homeownership for low-income earners.

Overall, the provision of affordable housing in Kenya is essential for the country’s continued development and growth. It is important for the government to continue to create policies and initiatives that make it easier for citizens to access affordable housing and improve their living standards.

Building Cheap Houses in Kenya

Building a cheap house in Kenya may seem daunting, but with the right strategies, it is possible to construct an affordable home without compromising on quality. Here are some tips to help you get started:

Cost-saving measures

There are several cost-saving measures that you can employ when building a cheap house in Kenya. One of the most effective is to use local construction materials, such as masonry, instead of imported ones. You can also save money by buying building materials in bulk and negotiating with suppliers for better prices.

Alternative construction materials

Another way to build a cheap house in Kenya is to use alternative construction materials. For example, instead of using traditional bricks and mortar, you can use interlocking blocks made from compressed soil. These blocks are cheaper, faster to make, and more environmentally friendly.

Innovative design solutions

Finally, innovative design solutions can help you build a cheap house in Kenya without compromising on livability. One option is to use modular design, which involves designing and constructing individual building components off-site and then assembling them on-site. This approach can save time and money while maintaining high standards of quality.

Remember, building a cheap house in Kenya does not mean building a poor quality one. With careful planning and smart design choices, you can construct a home that is affordable, comfortable, and sustainable in the long term.

Upcoming Housing Projects in Kenya

Kenya’s government has made significant efforts to provide affordable housing for its citizens. This has resulted in several upcoming housing projects throughout the country. Here are some of the top projects that you should keep an eye on:

Project NameLocationDeveloperType of Housing
Athi River Affordable Housing ProjectAthi River, Machakos CountyGreen Wing Makers2 and 3 bedroom apartments
Boma Yangu ProjectVarious locations throughout KenyaGovernment of Kenya2 and 3 bedroom houses and apartments
Ngara Phase 1 Affordable Housing ProjectNgara, NairobiReuben Homes1, 2 and 3 bedroom apartments

These projects aim to provide affordable housing solutions for low and middle-income earners, with prices ranging from KSH 800,000 to KSH 3 million. They offer a variety of housing types, including apartments and houses, and are located in different parts of the country.

By investing in these upcoming housing projects, you can secure an affordable and comfortable home for you and your family. Keep an eye on these projects and find the one that suits your needs and budget.


Access to affordable housing is a fundamental human right and a key driver of economic and social development. In Kenya, the government has recognized the need for affordable housing solutions and has introduced various initiatives to make homeownership more accessible to its citizens.

From eligibility criteria to financing options, this comprehensive guide has provided insights into the realities of affordable housing in Kenya. However, despite the progress made, many challenges remain, including land availability and funding constraints.

Nonetheless, there is hope for the future. The upcoming housing projects in Kenya and innovative construction techniques offer promising solutions that can provide affordable and sustainable housing for all.

Take Action Today

Whether you’re a first-time homebuyer or a real estate investor, there has never been a better time to explore the available affordable housing options in Kenya. Take advantage of government programs like Boma Yangu or consider private financing options to make your homeownership dreams a reality.

Together, we can create a brighter future for ourselves, our communities, and our country through affordable housing.


Q: Who qualifies for affordable housing in Kenya?

A: To qualify for affordable housing in Kenya, individuals must meet certain eligibility criteria. These criteria may include income requirements, citizenship, and employment status. The specific qualifications may vary depending on the affordable housing program or project.

Q: How much is affordable housing in Kenya?

A: The pricing range of affordable housing in Kenya varies depending on the type of housing unit. Affordable housing units are designed to be more affordable compared to the overall housing market in Kenya. Prices can range from [insert range] depending on factors such as location, size, and amenities.

Q: What is the affordable housing proposal in Kenya?

A: The government of Kenya has introduced various initiatives and proposals to address the housing needs of its citizens. These proposals aim to provide affordable housing to the population and may include strategies such as partnerships with private developers, subsidized housing schemes, and government-funded projects like Boma Yangu.

Q: What are the challenges of affordable housing in Kenya?

A: Implementing affordable housing projects in Kenya faces several challenges, including limited availability of suitable land, funding constraints, lack of infrastructure development, and policy bottlenecks. These challenges need to be addressed to ensure the successful implementation of affordable housing initiatives.

Q: How can I finance affordable housing in Kenya?

A: Financing options for affordable housing in Kenya include government programs like Boma Yangu, which provides subsidized housing loans, as well as private financing options and mortgage schemes. It is recommended to explore these options and consult with financial institutions for more information.

Q: What are the benefits of affordable housing in Kenya?

A: Affordable housing in Kenya offers numerous benefits. It improves living conditions, reduces homelessness, stimulates economic growth, and promotes social stability. Affordable housing helps individuals and communities thrive while contributing to the overall development of the country.

Q: How can I build a cheap house in Kenya?

A: Building affordable houses in Kenya can be achieved through cost-saving measures, the use of alternative construction materials, and innovative design solutions. It is advisable to consult with architects, engineers, and experts in affordable housing to explore the best strategies for building cheap houses.

Q: What are some upcoming housing projects in Kenya?

A: Kenya has several upcoming housing projects that aim to provide affordable housing solutions. These projects are being developed by various companies and organizations and offer different features and locations. Stay informed about the upcoming projects by following the announcements of relevant developers and government initiatives.


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