IMPACT OF FEDERAL HOUSING POLICY ON AFFORDABLE HOUSING IN FEDERAL CAPITAL TERRITORY, ABUJA, NIGERIA

This study examines the impact of federal housing policy on the affordability of low-cost housing units in the Federal Capital Territory (FCT), Nigeria. It explores how specific policy components such as land allocation procedures, and government housing incentives influence the affordability of housing for low- and middle-income earners. Employing a quantitative research design, primary data were collected through structured questionnaires administered to a sample of residents, government officials, and housing professionals in the FCT. The study utilised descriptive and inferential statistical tools, including frequency distribution and chi-square tests, to analyse the data. Findings reveal a significant relationship between the implementation of federal housing policy and the affordability of housing units in the territory. In particular, respondents acknowledged land allocation transparency and the effectiveness of public-private housing partnerships. The study underscores that while federal housing initiatives have the potential to address urban housing shortages, their impact remains limited by institutional and operational shortcomings. Grounded in the structural-functionalism theory, the research demonstrates that a well-coordinated housing policy framework characterized by synergy among government institutions, financial agencies, and private developers is crucial for achieving equitable housing distribution. The study recommends enhancing institutional collaboration, streamlining policy implementation processes, and prioritizing low-income housing needs through targeted subsidies and inclusive development strategies.