Housing is one of the most important needs of individuals next to food and clothing. Housing needs for low-income earners have reached an alarming stage in Nigeria. On the supply side, numerous government policies have earlier aimed at disabling the massive shortage through numerous housing reform programs. Despite these preceding efforts, housing remains an illusion to an average Nigerian. This research assessed the effect of government policy on housing delivery in Nigeria. The objectives were to determine the housing needs of the low-income group in Nigeria and to determine the impact of government policies on affordable housing provision to the low-income group.

The survey method was used to collect data from 44 respondents through the administration of questionnaires which were analyzed with statistical tools. The findings from the study show that insufficient fund is closely related to other finance-related factors identified as barriers to the accessibility of public housing by the low-income group who are non-public servants. Such factors as high-interest rates, low per capita income, lack of security of income, lack of collateral, and high cost of public houses. The study suggests the creation of a viable secondary mortgage market, improvement of land registration and allocation, compassionate urban renewal programs, cost-saving house designs amongst others.