The Affordable Housing Program (AHP) spearheaded by President William Ruto aims to provide a range of housing options to cater to different income levels.
The housing units are provided in different tiers to ensure that the program addresses diverse housing needs, from the most vulnerable to those seeking more upscale options.
This approach offers housing at a price that allows payments to be no more than a third of the average Kenyan’s monthly pay, ensuring everyone regardless of their income, benefits from the Affordable Housing Program.
The key distinguishing factors of the unit types in AHP include target audience, price and amenities.
The program offers social housing for low-income earners, affordable units for the middle-income segment, and market-rate housing for higher-income earners.
Social housing is heavily subsidized while affordable housing is priced competitively. On the other hand, market-rate housing is priced according to market demand.
Amenities generally increase from social to affordable to market-rate housing.
Social Housing
The government aims to provide basic and affordable shelter to the most vulnerable populations through social housing.
It targets low-income earners, living in informal settlements and earning up to Ksh19,999 monthly.
These homes provide a secure and affordable foundation for building a brighter future by making one’s monthly payments as manageable as rent.
Prices range from Ksh640,000 and 1,280,000 with monthly payments of between Ksh3,900 and Ksh6,800.
They consist of smaller units (1-3 rooms) with clean piped water, electricity and efficient gas reticulation.
Also Read: From Artisans to Directors: How Juakali Group Turned Affordable Housing into Thriving Company
Affordable Housing
These units are priced well below market rates to provide decent and affordable housing options to middle-income earners.
The government targets Kenyans earning between Ksh20,000 and Ksh149,999.
The purchase price ranges from Ksh1,000,000 to Ksh3,200,000 while the monthly payments are between Ksh7,250 and Ksh23,128.
Kenyans can choose from flexible payment options like cash, home loans or the tenant purchase scheme with fixed, low-interest rates below 9% per annum.
There are a wider range of unit sizes from studios to 3-bedroom apartments.
Additionally, these units have improved amenities and finishes enriched with schools, hospitals, and comprehensive infrastructure that supports your lifestyle and well-being.
Also Read: Debunking 7 Common Myths About the Affordable Housing Programme
Market-Rate Affordable Housing
These residences blend comfort with convenience for higher-income earners with a salary above Ksh150,000.
AHP market rate house targets the overall housing market with higher prices and based on the going market rate.
One can choose to pay in cash or take advantage of competitive home loans from our partner banks and saccos.
The prices range between Ksh2,400,000 and Ksh5,400,000 but Kenyans can pay monthly payments from Ks 21,160 up to Ksh47,610.
It comes with high-end finishes, larger units, and more luxurious modern amenities including schools, hospitals, lush green spaces, and enhanced infrastructure like high-speed internet.
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