The difficult combination of renting and building a house in urban Ghana: analysing the perception of low and middle income earners in Accra

This study examines the experiences of low and middle income earners in urban Ghana in combining renting and self-building a house with their meagre income. Using a case study of 3 building sites in Accra, this study employs semi-structured interview guide to gather qualitative data from fifty respondents. The conclusion of this study is that improving housing career amidst other competing responsibilities in the life course pathways imposes stress and huge financial burden on households in a manner that they are compelled to forgo or cut down on non-housing consumption such as clothing, up-keep of in-laws, marriage, higher educational qualification and cars among others. This study recommends a revisit of the discussion on the enforcement of the provisions of the Rent Act, 1963 and consideration of the practice of rent deposit and monthly rent. Affordable housing finance options should be a priority of African governments and their development partners.