Housing development, a basic unit of human settlement is also a crucial component of social development. It plays an important role in achieving sustainable development. The concept of shelter differs from individual to individual depending on culture, tradition, profession, and way of living. Besides being a basic necessity, it is also a source of identity that has a significant effect on the overall psychological well-being of the inhabitants. Sustainable- affordable habitat could be described as a way of developing and maintaining the living environment supporting human health (both physical and psychological), satisfying shelter needs along with protecting and preserving nature for future generations. This paper introduces a conceptual framework defining housing problems from the perspective of beneficiaries supporting the development of effective policies to facilitate Sustainable Affordable habitats.