Top 5 African cities with the most affordable housing in 2025

Housing affordability remains a major issue in African cities, with property prices and income disparities affecting homeownership. A new ranking based on the price-to-income ratio highlights the most affordable cities for residents in 2025. A lower ratio indicates greater affordability, according to Numbeo.

The price-to-income ratio measures the relationship between median apartment prices and median family disposable income, expressed in years of income. Economic policies, housing supply, and financial accessibility influence affordability across urban centres.

Cities with lower ratios enable more residents to buy or rent homes without excessive financial strain. Affordable housing allows families to allocate income to healthcare, education, and transportation, supporting economic growth. A stable workforce with access to housing attracts business investment and contributes to economic development.

Policymakers and real estate stakeholders will need to focus on sustainable solutions to maintain and improve housing accessibility in the coming years.

Here are the top 5 African Cities with the Most Affordable Housing in 2025

1. Pretoria, South Africa

Pretoria ranks as the most affordable city in Africa for housing, with a price-to-income ratio of 2.4. This means that, on average, residents require just over two years of income to afford a home. The city benefits from relatively stable property prices and a lower cost of living compared to other urban centres in South Africa.

2. Johannesburg, South Africa

Johannesburg follows with a price-to-income ratio of 3.9. As South Africa’s economic hub, Johannesburg has a diverse housing market, catering to various income levels. Despite economic challenges, housing remains within reach for a significant portion of the population.

3. Durban, South Africa

Durban ranks third with a price-to-income ratio of 4.9. The city offers a mix of affordable and high-end housing options. A combination of steady income levels and relatively stable property prices makes it one of the cities where homeownership is achievable for many residents.

4. Cape Town, South Africa

Cape Town shares the same price-to-income ratio as Durban at 4.9. Although known for its expensive housing market, the presence of various housing schemes and financing options has made homeownership possible for a segment of the population. The city’s property market remains a significant part of its economy.

5. Rabat, Morocco

Rabat is the only non-South African city in the top five, with a price-to-income ratio of 9.6. Despite being higher than the other cities on the list, Rabat still offers more affordable housing compared to many other African cities. Government policies and financing options continue to support homebuyers in the country’s capital.

Chisom Michael

Chisom Michael is a data analyst (audience engagement) and writer at BusinessDay, with diverse experience in the media industry. He holds a BSc in Industrial Physics from Imo State University and an MEng in Computer Science and Technology from Liaoning Univerisity of Technology China. He specialises in listicle writing, profiles and leveraging his skills in audience engagement analysis and data-driven insights to create compelling content that resonates with readers.

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