Accessing affordable housing is a pressing challenge for low-income civil servants in Kubwa, Abuja. This study examines the multifaceted challenges that hinder their ability to secure affordable housing options in the region. The research employs a mixed-methods approach, combining quantitative surveys and qualitative interviews to gather comprehensive data on the housing situation, affordability factors, and the impact on civil servants. The findings reveal several key challenges faced by low-income civil servants in accessing affordable housing. Firstly, the limited supply of affordable housing units in Kubwa exacerbates the problem, as the demand far outweighs the available options. It utilized a structured questionnaire for this purpose. The study therefore concludes that the greater percentage of the people in the study are cannot afford adequate housing while others pay not just over 30% but over 50% of their monthly income on housing which is cost burden. This has adverse effect on their stander of living as what is left is insufficient to cater for other needs such as food, clothing, and medical bills so on. Additionally, the rising property prices and rental costs further strain the financial capabilities of civil servants, making it increasingly difficult to afford decent housing. These factors not only affect the liability of the area but also contribute to the affordability challenges faced by low-income civil servants. Furthermore, urban sprawl and commuting burdens add to the difficulties in accessing affordable housing. The study also examines the role of the informal construction sector in exacerbating the challenges. The lack of regulation and oversight in this sector can result in substandard housing structures, posing safety risks and contributing to the overall problem of affordable housing accessibility.

Keywords: Affordable housing, Low income, Housing policies, Accessibility, Capacity building,