The Shelter is one of the basic needs of mankind, while housing is a form of shelter which has profound impact on health, welfare and productivity of individuals. In developing nations (such as Nigeria), this basic necessity of life (housing) has been kept far from the reach of the low-income earner. In this strive for shelter; stabilized earth is an alternative building material which is comparatively cheaper than conventional building materials used in the construction of houses in urban centers. Due to modernization, earth is now associated to villagers or only used in the construction of historical buildings. It is no doubt that we can use our abundant resources to bridge the housing gap between the high income and the low income earner and give not only shelter but with comfort and providing shelter at an affordable rate to the low income earner. Three case studies were used for the purpose of this research. The findings of the study revealed a 30% reduction in cost of constructing a building with adobe bricks over sand Crete hollow blocks. The research identified and highlighted the cost effectiveness, thermal insulation and the durability of clay (earth). The study concluded that the use of earth should be employed by professionals in the construction industry to increase its acceptability by the public.