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Obstacles to individual home ownership in Nigeria

Chika Ezinwanne Udechukwu (Department of Estate Management, University of Lagos, Akoka Lagos, Nigeria)

International Journal of Housing Markets and Analysis

ISSN: 1753-8270

Article publication date: 20 June 2008




This paper sets out to investigate the various inhibiting factors to individual home ownership in Nigeria. It aims to establish just how feasible home ownership is in Nigeria.


Secondary data were obtained from journals, government publications and technical reports. The sources are sorted into sections: prices of the houses, inflation rate, income levels of Nigerians.


The dominant informal sector in the national economy does not augur well for housing delivery; job creation and economic empowerment are the primary catalysts for increased disposable incomes and savings that will subsequently boost investment in home‐ownership.

Practical implications

With hard work and diligence in policy formulation, project implementation and economic resuscitation, home‐ownership will no longer be a utopian ideal but a national reality. The nation's policy makers must begin to adopt strategies that have practical application in the immediate environment.


This paper comprehensively highlights the various home ownership finance options available in Nigeria, and critically assesses how practicable these options are to the average Nigerian.



Ezinwanne Udechukwu, C. (2008), "Obstacles to individual home ownership in Nigeria", International Journal of Housing Markets and Analysis, Vol. 1 No. 2, pp. 182-194.



Emerald Group Publishing Limited

Copyright © 2008, Emerald Group Publishing Limited

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