Housing is widely recognized as a human right, yet Nigeria’s low-income households in particular struggle when it comes to finding adequate shelter that does not leave them in financial difficulty. The term affordable housing – sometimes also called social housing or mass housing  commonly features in discussions on housing issues, which are also social and economic issues. Because the perception of what is affordable varies significantly across cities, states and income groups, affordable housing can only be broadly defined. Generally, affordable housing deals with housing solutions that are priced and financed in a way that ensures low-income occupants can also satisfy their other basic needs. Even though the scarcity of affordable housing affects all segments of society, it is notably low-income earners who are most affected. The Nigerian urban housing market primarily targets high-income earners and thus leaves large parts of the Nigerian population excluded from formal housing provision. In general, low-income households face a number of barriers: besides weak individual purchasing power, access to housing finance is lacking; complementary goods, such as land and infrastructure, are unavailable; and housing supply is inadequate to meet the actual needs of the urban poor. Nigeria is the most populous country in Africa. Despite the fact that Nigeria  a lower-middle income country  has been growing at stable rates for a decade and has become the largest economy in Africa, living conditions have yet to improve significantly. The country continues to struggle with poverty, inequality, and infrastructure shortages.