ASSESSMENT OF THE IMPLEMENTATION OF GOVERNMENT HOUSING POLICY ON LOW-INCOME EARNERS IN NASARAWA STATE, NNIGERIA

Abstract

The study examined the implementation of government housing policy and its effect on low-income earners in Nasarawa State, Nigeria, with particular emphasis on housing quality, affordability, access to finance, and social inclusion. The persistent housing deficit in Nigeria and the rising cost of housing have continued to marginalise low-income households, making it necessary to evaluate how far existing housing policies have achieved their intended objectives at the state level. A quantitative research design was adopted, and data were collected through structured questionnaires administered to residents of government-supported housing schemes across selected urban centres in Nasarawa State. Multiple regression analysis were employed to analyse the data. Findings from the descriptive analysis revealed that respondents perceived moderate improvements in housing quality, indoor environmental conditions, and overall living standards. However, concerns remained regarding the adequacy of essential amenities such as water and electricity, as well as the affordability of housing units. The regression results showed that affordability of housing finance, access to credit and banking services, and housing quality had significant positive effects on housing policy outcomes, with access to credit emerging as the strongest predictor. In contrast, social inclusion was not statistically significant, suggesting that current housing policies do not adequately address equity and the needs of the most vulnerable groups. The study concludes that while government housing policies in Nasarawa State have contributed to some improvements in housing delivery for low-income earners, their effectiveness is constrained by financial and institutional limitations. It recommended thatGovernment should expand and subsidise housing finance options for low-income earners by reducing interest rates, lowering equity contributions, and extending repayment periods through institutions such as the Federal Mortgage Bank of Nigeria and primary mortgage banks.

Keywords: Housing Policy, Low-Income Earners, Housing Quality, Affordability, Financial Access, Policy Implementation, Social Inclusion.

DOI: www.doi.org/10.36349/fujpam.2026.v5i01.005

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author/Likita, Rosina Bahago, PhD, Akande Amos Idowu & Akpegi Patrick Onahi Phd

journal/FUJPAM Vol. 5, No. 1