Rapid urbanization across African cities has intensified housing affordability challenges,
deepening social-spatial inequalities. This study examines the dynamics of housing
affordability and urban inequality in Lagos Metropolitan Area, one of Africa's fastest-growing
megacities. Using a mixed-method approach combining secondary data, affordability indices
and spatial analysis, the study reveals that rising housing costs, inadequate supply, and
institutional inefficiencies have exacerbated inequality and informal settlement growth.
Over 70% of Lagos residents are renters, with many spending 40–60% of their income on
housing, far exceeding global affordability benchmarks (RIRFHUD Report 2025) Lagos
housing deficit and rental burden (African Housing News). The paper argues that the
affordability crisis is both a structural and policy-induced phenomenon, reinforcing
exclusionary urban development. It concludes with policy recommendations focusing on
inclusive housing finance, land reforms, and pro-poor urban planning.