Gov’t outlines measures to expand access to affordable housing as Ghana marks World Habitat Day
The Government has reaffirmed its commitment to making decent, safe, affordable and inclusive housing accessible to more Ghanaians, as the country joins the international community to commemorate World Habitat Day 2026 under the theme “Adequate Housing for All.”
Ghana's government has pledged to expand access to affordable and inclusive housing, as the nation observes World Habitat Day 2026, themed "Adequate Housing for All." The Ministry of Works, Housing and Water Resources, along with the Ministry of Local Government, Chieftaincy and Religious Affairs, emphasized the critical need to address barriers hindering citizens from obtaining suitable housing.
While acknowledging ongoing efforts to tackle Ghana's housing deficit, the government highlighted persistent challenges such as high land prices, escalating construction costs, and limited access to affordable housing finance. According to Ghana Statistical Service data, only 5% of Ghanaians can secure housing without assistance, with 60% needing state-facilitated support and 30% unable to access housing even with government subsidies.
To address this, the government is implementing policies to improve housing affordability, increase housing finance access, and decentralize housing development beyond major urban centers. Key initiatives include the National Mortgage Scheme, offering mortgage financing at an interest rate of around 8.4% per annum with repayment periods of up to 20 years, facilitated jointly by the National Housing Fund and Republic Bank.
Other initiatives like the Greenville District Housing Programme and the National Rental Assistance Scheme aim to broaden housing options and improve access to affordable accommodation nationwide. The government's housing agenda also prioritizes inclusivity, particularly for vulnerable groups and Persons with Disabilities. Ground-floor units for PWDs are being reserved in ongoing developments, and implementing agencies have been directed to engage disability groups and incorporate accessibility requirements in housing project planning, design, and execution.
Efforts are also underway to strengthen inclusive housing delivery through the ongoing review of the National Housing Policy, ensuring future housing programmes cater to diverse citizen needs and promote equitable communities.
Written by urgent.news from MyJoyOnline Ghana's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
