HOUSING AFFORDABILITY AMONG LOW INCOME CIVIL SERVANTS IN LAGOS STATE, NIGERIA
Keywords:Housing Affordability, Household Income, Housing Expenditure, Income Ratio Measure, Lagos State
AbstractStudies have established that affordable housing provision remains an intractable problem facing low income earners in most nations of the world. Literature have focused more on various aspects of housing affordability, than the measurement of its level among households. This study therefore examines the affordability capability of low income civil servants in Lagos State, Nigeria. The rule of thumb concept was used to anchor the study utilizing a case study research design, sourcing both primary and secondary data. Using a multi-stage sampling technique, 188 questionnaires were administered to respondents on grade levels 1 to 6 drawn from 124 out of 620 randomly selected offices in 16 ministries in the state. Data were analyzed using descriptive statistics, ratio analysis and inferential statistics at p value ≤ 0.05. The result showed that 50% of the respondents were male and female respectively, 71.5% were married, 22.8% were single while 1.9% were divorcees and separated respectively. Majority of the respondents (57.7%) were young adults earning an average monthly income of N30,002. Also, 14.2%, 13.4%, 16.4% and 38.1% of the respondents were paying average monthly rents of N2,950, N6,200, N8,750 and N10,000 respectively. Ratio Analysis indicated that the respondents spent more than 30% of their monthly income (43.04%) on housing. The regression analysis revealed that additional income from all other sources had a significant impact on their housing affordability (F = 0.028). The study concluded that low income civil servants in the state were cost burdened and recommends an increment in the monthly minimum wage.
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