This study shows a brief survey on the affordability elements in the current low cost housing policies of Malaysia and Nigeria. Where a comparism of the affordability elements in Malaysia and Nigeria were pointed out so as to study the relationship among the low cost housing affordability elements in Malaysia and Nigeria; and propose a sustainable low cost housing affordability policy. The survey discovered that there are no laws, rules or guidelines regulating the affairs of low cost housing. The design does not reflect user need; it did not conform to their culture, family background and size. No provisions for public participation were provided in the policy documents.