The importance of housing in enhancing the quality of life has been widely reported. It represents one of the basic
human needs, provides protection from harm and ensures survival. Like many developing countries, different Ghanaian
governments have variously pursued several programs and interventionsdirected at addressing the country’s housing
challenges including housing loan schemes in the colonial era to affordable housing projects in the 2000s.
Notwithstanding, access to adequate housing for the low to middle-income groups still remains unresolved. This paper
is an attempt to gain deeper insights into Ghana’s housing situation, its challenges and the efforts made by governments
during the periods before independence and after independence. The nature of the housing policies implemented
during such eras is explored and the reasons for the implementation failures examined. In the end, the paper
provides policy recommendations that could potentially help increase the supply of affordable urban housing in the
country. The paper calls for a strong political will and pragmatic intelligence in the implementation of housing policies
and programs in the country. Mechanisms to provide sufficienthousing finance for the poor to adequately participate in
the housing market have also been outlined. It is concluded that the over-empowerment of the private real estate sector
to be the major providers of housing may not be optimal. Rather, it would only lead to the inability of the poor to
be able to actively participate in the housing market, consequently exacerbating housing poverty. Effective public-private
partnership has the potential to guarantee the supply of reasonably-priced and affordable housing provision.
Keywords: Urban, affordable housing,deficit, public-private partnership, Ghana.
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