Despite its obvious overlook housing can be defined as a physiological need in almost the same class as the basic needs. In most urban areas let houses are characterized by high rent costs, rented house inconveniences and creation of debilitating comfort zones giving rise to elevated desires and wants to own a home. However, these desires are often met by constraints such as high building expenses, high land costs, lofty building materials costs, water supply access, electricity access, poor regulatory frameworks, conditionality, high interest rates for shelter finance, limited access to house finance among others.This study focuses on the determinants of affordable housing from the demand perspective i.e. the home owners. It seeks to understand the significance of selected determinants namely Interest rates, loan repayment period, access to finance, and land prices on individual home affordability.