House ownership is important for all levels of the housing market whether it is a high, medium, or low-cost housing development. Apart from the lifestyle and living standard of a society, this is to ensure that every income earner has a decent shelter. This paper seeks to compare the affordability of house ownership within the 5 years from 2007 until 2012. The category of low-income earners is chosen as a case study. The result shows that in 2012 this group can afford low-cost houses compared to when they were in 2007. Among the factors that influence affordability are the increase in income, education aid, and contribution from the ruling government.