Your Complete Guide to Kenya’s Affordable Housing Program
Kenya’s Affordable Housing Program (AHP) is transforming homeownership for millions. Whether you’re a first-time buyer, low-income earner, or diaspora Kenyan, this guide explains eligibility, application steps, payment plans, and current projects.
What is the Affordable Housing Program?
✅ Goal: Build 500,000+ affordable homes by 2027
✅ Target: Kenyans earning KES 20,000 – KES 150,000/month
✅ Key Features:
- Subsidized home prices (30-50% below market rates)
- Flexible payment plans (rent-to-own, mortgages, cash)
- Mandatory 1.5% housing levy from salaried workers
📌 Did You Know? Over 300,000 Kenyans have already registered on Boma Yangu!
Who Qualifies? Eligibility Requirements
To apply, you must:
✔ Be a Kenyan citizen (National ID required)
✔ Be 18+ years old
✔ Have a KRA PIN
✔ Not own a home (priority for first-time buyers)
✔ Fall within income brackets:
- Social Housing: Below KES 20,000/month
- Affordable Housing: KES 20,000 – KES 149,999/month
- Middle-Class Housing: KES 150,000+
🌍 Diaspora Kenyans can also apply!
How to Apply: Step-by-Step Process
1. Register on Boma Yangu Portal
🌐 Visit www.bomayangu.go.ke
📱 Dial *832# for USSD registration
📝 Provide:
- Full name (as per ID)
- National ID number
- Phone & email
2. Complete Your Profile
📌 Upload:
- National ID copy
- KRA PIN certificate
- Proof of income (payslips/bank statements)
3. Pay the Housing Levy
💵 Salaried workers: 1.5% automatically deducted
📲 Self-employed: Pay via M-Pesa (Paybill 333300, Account = KRA PIN)
4. Browse & Select a House
🏠 Check available projects & locations
💰 Compare prices & payment plans
5. Get Allocated via Ballot
🎟️ Successful applicants receive SMS & email notifications
📅 Deposit required (usually 10-12.5% of unit price)
Payment Options
🔄 Rent-to-Own: Pay monthly (part goes towards ownership)
🏦 Mortgage: Low-interest loans (7-9% over 20-30 years)
💵 Cash Payment: Full upfront payment (discounts available)
Current Affordable Housing Projects (2024)
| Location | Project Name | Unit Types | Price Range |
|---|---|---|---|
| Nairobi | Pangani Estate | 1, 2, 3-bedroom | KES 1M – KES 3.5M |
| Eldoret | Kimumu Estate | Studio, 1-bedroom | KES 800K – KES 2M |
| Mombasa | Buxton Point | 1, 2-bedroom | KES 1.2M – KES 3M |
| Nakuru | Bondeni Estate | 1, 2-bedroom | KES 900K – KES 2.5M |
📌 New projects added monthly – check Boma Yangu for updates!
5 Key Things to Know
1️⃣ Housing Levy is Mandatory – Must contribute to qualify
2️⃣ Ballot System is Fair – No “connections” needed
3️⃣ Diaspora Kenyans Welcome – Same application process
4️⃣ Beware of Scams – Only use official Boma Yangu portal
5️⃣ Long-Term Commitment – Rent-to-own takes 15-25 years
Final Thoughts
Kenya’s Affordable Housing Program is a game-changer for homeownership. By following the Boma Yangu registration process, contributing to the housing levy, and staying updated on new projects, you can secure a quality home at half the market price.
💬 Have questions? Ask in the comments!
Official Resources:
