ANALYZING HOUSING MARKET IN JOS METROPOLIS, NIGERIA

ABSTRACT Housing is one of the most fundamental human needs and a critical component of urban development. In Jos Metropolis, the housing market has increasingly come under pressure due to rapid population growth, rural-urban migration, and rising construction costs, leading to affordability and accessibility challenges. This study was undertaken to analyze the dynamics of the housing market in Jos Metropolis with particular focus on affordability, demand and supply factors, government interventions, and the role of the informal housing sector. The research adopted a mixed-method approach. Both primary and secondary data were utilized. Primary data were obtained through the administration of structured questionnaires to sampled households across selected communities, while secondary data were gathered from relevant government agencies, published works, and policy documents. The study population consisted of household heads within Jos Metropolis, and the Yaro Yamane formula was applied in determining the sample size. Data collected were analyzed using descriptive and inferential statistical techniques, with findings presented in tables, charts, and textual discussions. The results revealed that housing affordability remains a major challenge, as a significant proportion of respondents spend more than one-third of their income on rent or housing costs. Demand for housing is driven largely by factors such as family size, income levels, proximity to workplaces, and availability of infrastructure. Supply of affordable housing is constrained by limited land availability, high construction costs, and inadequate government housing schemes. It was also found that informal housing settlements play an increasingly important role in meeting housing demand, despite challenges such as poor infrastructure, tenure insecurity, and overcrowding. The study concludes that while the Jos housing market shows resilience in responding to demand, affordability and accessibility gaps remain significant, particularly for low- and middle-income groups. It recommends stronger government intervention in terms of subsidized housing, effective implementation of policies, promotion of public-private partnerships, and infrastructural development to improve housing delivery. Finally, attention should be given to integrating informal settlements into formal urban planning systems to ensure sustainable urban development.