Government Pledges to Complete Stalled Housing Projects and Decentralize Affordable Homes Nationwide

The Government of Ghana has reaffirmed its commitment to tackling the country’s estimated two-million-unit housing deficit through a comprehensive strategy involving the completion of stalled projects and the decentralization of new housing developments. Speaking at the National Home Ownership Fair in Accra on March 4, 2026, Deputy Chief of Staff Nana Oye Bampoe Addo and Minister for Works and Housing Kenneth Gilbert Adjei outlined a vision to make homeownership a reality for average Ghanaians. The government intends to finish all abandoned housing projects inherited from previous administrations, with the Saglemi Affordable Housing Project identified as a high-priority site for immediate revitalization.

Central to this new directive is the Greenville District Housing Programme, which seeks to move beyond traditional focus areas like Accra and Tamale to provide affordable housing in every district across the country. According to Minister Kenneth Gilbert Adjei, this initiative will specifically prioritize civil servants and public sector employees who often struggle to find quality housing in regional outposts. Furthermore, the ministry is advocating for the adoption of low-carbon, climate-resilient construction methods, aligning Ghana’s housing sector with the environmental commitments established under the Paris Agreement.

To address the financial barriers that have kept mortgage penetration below 1% of the national GDP, the government is introducing significant financial reforms through the National Homeownership Fund. Prosper Hoetu, CEO of the Fund, announced plans to roll out single-digit mortgage rates aimed at low- and middle-income earners. By lowering interest rates and collaborating with private sector investors, the government aims to stimulate the mortgage market and reduce the reliance on the 'cash-and-carry' system of building. These measures represent a shift toward a more inclusive and sustainable national housing policy intended to provide long-term relief for the Ghanaian workforce.