Affordable Housing mortgages to civil servants and police

The Kenya Kwanza government made a commitment to providing housing mortgages to civil servants and police by growing the number of mortgages from 30,000 to 1,000,000 by enabling low-cost mortgages of Sh10,000 and below.

While civil servants have been promised a specific quota of houses and enjoy access to existing schemes, the affordable housing program is hampered by systemic issues relating to funding, delivery and technology. This leaves many civil servants in the same position as the general public – waiting for a clear and effective pathway to home ownership.
Official reports in early 2026 noted that despite the incentives, uptake of the CSHSF among civil servants remains lower than expected due to high default rates and systemic funding gaps.
The Affordable Housing Act faced a significant legal challenge in the Court of Appeal in January 2026, which could impact the mandatory 1.5% levy used to fund these projects.

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This Promise Tracker is an independent civic-accountability tool designed to monitor and document the progress of public commitments made by the Government of Kenya. Information presented on this platform is compiled from publicly available sources including government publications, parliamentary records, policy documents, and credible media reports. The classifications used in this tracker represent an evidence-based assessment by the platform’s researchers and should be understood as analytical judgments rather than official government determinations. While every effort is made to ensure accuracy and regular updates, the status of promises may evolve as new information becomes available. This website is not affiliated with or operated by the Government of Kenya.

Last updated: March 4, 2026 8:08 am