The government is set to roll out affordable housing developments across all 260 districts in Ghana, moving away from a focus on major cities, the Minister for Works and Housing has announced.
Kenneth Gilbert Adjei disclosed the decentralisation plan at the National Home Ownership Fair in Accra on March 4, 2026. He stated that the Greenville District Housing Programme will be the primary vehicle for delivering homes nationwide.
“The government is decentralising housing delivery to ensure inclusivity. Opportunities will no longer be limited to Accra, Kumasi, Tamale, and other major cities,” Mr Adjei said.
The initiative will prioritise public sector workers, including civil servants, teachers, healthcare workers, and security personnel. The minister emphasised that the goal is to provide affordable, high-quality homes in every district.
In addition to expanding access, the minister highlighted a focus on sustainable construction. He said the ministry is promoting low-carbon, climate-resilient building methods in collaboration with other government agencies. This aligns with Ghana’s commitments under the Paris Agreement.
Mr Adjei mentioned the promotion of EDGE-certified homes, an international standard that certifies buildings based on energy efficiency, water conservation, and the embodied energy of construction materials. An implementation roadmap for this initiative was launched about a year ago.
Separately, the CEO of the National Homeownership Fund, Prosper Hoetu, indicated at the event that the fund is working towards introducing single-digit mortgage rates under the National Mortgage Scheme. He attributed this possibility to declining interest rates and improved macroeconomic conditions, which could make mortgage financing more affordable for low- and middle-income earners.