# Nigeria affordable housing reforms > Live situation record from CLSTR: https://clstr.news/situations/nigeria-affordable-housing-reforms > Updated: 2026-07-28T18:04:39.000Z. Sources: 11. Developments: 3. In mid‑July 2026 the Nigerian federal government announced a priority shift toward land‑administration reforms as a cornerstone for expanding affordable housing. Minister of Housing and Urban Development Muttaqha Darma, speaking at the 20th Africa International Housing Show, outlined plans to simplify land‑related procedures and digitise records through a new land‑titling and registration programme, aiming to give low‑income earners and informal workers secure titles and better access to financing. A few days later, at the Abuja International Housing Show, the ministry formalised a partnership with Dangote Cement Plc and other industry stakeholders to lower construction costs, promote micro‑mortgages and rent‑to‑own schemes, and improve building standards. On 28 July 2026 the government launched a National Housing Finance Authority (NHFA) under a broader National Mortgage Industry Policy. The NHFA will restructure the Federal Mortgage Bank of Nigeria, broaden participation in the National Housing Fund to include informal‑sector workers with contributions as low as N5,000 per month, and propose a National Housing Industry Regulatory Commission to tighten oversight of developers and mortgage operators. Officials said the housing deficit stands at about 15 million units, concentrated in the North‑West and North‑East. The combined land‑reform, public‑private partnership, and new financing and regulatory measures are intended to boost investor confidence, improve housing affordability, and stimulate private‑sector participation in Nigeria’s real‑estate sector. ## Claims - The Nigerian federal government plans to establish a National Housing Finance Authority. (corroborated by 2 sources) - The authority will be created under a proposed National Mortgage Industry Policy. (corroborated by 2 sources) - Informal sector workers will be allowed to join the National Housing Fund with monthly contributions starting from N5,000. (corroborated by 2 sources) - Real estate services contribute about 13.4 % of Nigeria’s GDP, valued at roughly N41 trillion. (corroborated by 2 sources) - Combined real estate and construction sectors were valued at over N77 trillion in 2025. (corroborated by 2 sources) - A National Housing Industry Regulatory Commission is proposed to strengthen oversight of developers and mortgage operators. (corroborated by 2 sources) - Nigeria’s housing deficit is pegged at 15 million units. (single source) - The deficit estimate uses the World Bank Adequate Housing Index and UN‑Habitat Household Crowding Index. (single source) ## Timeline ### 2026-07-28: Nigeria launches National Housing Finance Authority to expand mortgage access Nigeria will establish a National Housing Finance Authority, expand mortgage access, allow informal workers to join the housing fund, and has pegged the housing deficit at 15 million units. 7 sources. https://clstr.news/cluster/nigeria-launches-national-housing-finance-authority-to-expand-mortgage-access ### 2026-07-20: Nigeria Government Partners with Dangote Cement to Boost Affordable Housing Nigeria’s government reaffirmed its partnership with Dangote Cement at the AIHS 2026 to tackle the housing deficit, focusing on low‑income workers and proposing new financing models. 2 sources. https://clstr.news/cluster/nigeria-government-partners-with-dangote-cement-to-boost-affordable-housing ### 2026-07-16: Nigeria Prioritises Land Administration Reforms to Boost Affordable Housing Nigeria's federal government will reform land administration, using digital mapping and expanded registration, to improve affordable‑housing access for low‑income earners and informal workers. 4 sources. https://clstr.news/cluster/nigeria-prioritises-land-administration-reforms-to-boost-affordable-housing --- Cite as: Nigeria affordable housing reforms. CLSTR, https://clstr.news/situations/nigeria-affordable-housing-reforms