The shelter is primary to human existence. It has been rightly adjudged second to food in the hierarchy of human needs. Its inadequacies pose a great challenge in human well-being and it requires thorough research on housing delivery in Nigeria for effective housing. The housing inadequacy propelled most of the low-income earners to indulge in acquiring land and constructing their desired houses. Thus, the challenges of housing affordability persisted. Therefore, this study aims to investigate the factors that are responsible for persistent housing inadequacy and unaffordability among lower-income earners. Thus, structured questionnaires were distributed to 97 randomly selected low-income earners across the working sectors in Akure in Ondo State.

The data collated were analyzed with SPSS. It was observed from the findings that despite government, public and private individual involvement in promoting and meeting the need of low-income earners housing problems in Nigeria, the input are with high technology and imported materials that make the cost of the housing delivery higher and unaffordable for the lower class. This paper thus, canvases the improvement and adoption of local building materials for effective housing for the low income class.