What it will cost you to buy Ruto houses

Kenyans will pay between Sh840,000 and Sh5.76 million for low-cost homes under President William Ruto’s housing programme, which targets putting up 250,000 units every year.

A confidential government document seen by the NTV shows the houses will be categorised into social, affordable and market units.

The fresh categorisation signals a policy shift that will also open the door for workers earning more than Sh150,000 monthly to also own homes through the State-funded programme.

Units categorised as affordable will account for half of the houses to be built under the programme, while market-rate apartments will take 30 percent share, according to the policy document titled Achieving the Housing Agenda.

The remainder 20 percent will be social housing units, the document prepared this month states.

The price of the units, which will be sold under tenant purchase scheme (TPS), is based on the estimated cost of construction plus 20 percent financing cost and a markup which differs depending on the housing category.

Social Housing

Under the plan spearheaded by the State Department for Housing and Urban Development, social housing developments will comprise one-, two- and three-room houses targeting slum dwellers.

A 20 square metre room will cost Sh840,000 with the beneficiary required to deposit 10 percent of the price before moving in, and clearing the remainder with monthly payments of Sh3,200 over 30 years when they will become owners.

A 30 square metre two-room house will cost Sh1.26 million, with the prospective owners required to deposit Sh126,000 and thereafter pay Sh4,800 monthly for 30 years, while the price for a 40 square metre three-room unit is Sh1.68 million paid through Sh168,000 deposit and Sh6,400 monthly payments.

Affordable Housing

The affordable housing units will be made of studios (bedsitters), two- and three-bedroom apartments.

A bedsitter, or studio, on 20 square metre space will cost Sh960,000 with occupiers charged Sh5,200 monthly payments for 30 years on top of a Sh96,000 deposit.

A beneficiary of a two-bedroom house of 40 square metres size under the affordable housing category will deposit Sh192,000 upfront and pay Sh10,400 monthly for 30 years to offset Sh1.92 million total cost and become homeowners.

A three-bedroom unit sitting on a space of 60 square metres will cost Sh2.88 million, with occupiers paying Sh15,600 monthly for 30 years after depositing 10 percent of the house value.

Market Units

The market-driven developments will have two- and three-bedroom houses.

Under this category, a two-bedroom house measuring 60 square metres will be priced at Sh4.32 million repayable through a deposit of Sh432,000 and monthly payments of Sh31,300 for 360 months.

Homebuyers who will occupy three-bedroom apartments sitting on 80 square metres under market rate housing will deposit Sh576,000 and pay Sh41,800 for 30 years to become owners.


“There are conditions on how you get a house. You must apply and it is located based on one ID, one house and on first come basis. Whoever meets the initial deposit earlier will be preferred,” Mr Mathu said Wednesday last week.

“So assuming you even pay the entire amount for the house you want outright, but there’s someone else who had made a deposit ahead of you, we are still going to lock the unit for that person who made the 10 percent contribution earlier even if they don’t have the balance.”

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