With over 20 million Nigerians lacking adequate shelter, the country’s housing deficit has become a quiet emergency—especially for low-income earners. While the government has launched several initiatives to bridge the gap, from mortgage schemes to affordable housing projects, the question remains: are these efforts reaching the people who need them most? This article takes a closer look at what’s working, what’s not, and what voices on the ground are saying about the future of housing in Nigeria.