• Ewe Elias Sahle
• Prof. Ashley Gunter

As Ethiopia's capital, Addis Ababa faces a severe housing shortage, with an estimated deficit of over 400,000 units, a challenge compounded by an urbanization rate of 4.1% (EBR, 2023). The research highlights the significant obstacles to homeownership, including demographic and socio-economic disparities, rapid urbanization, policy deficiencies, resource limitations, and housing cost. Despite government initiatives; like the Integrated Housing Development Program (IHDP), the demand for housing remains largely unmet, with 60.8% of respondents indicating a need for residential housing. Vulnerable groups identified in the study include employable households, female-headed families, and large-sized families. The study contributes to the understanding of the housing crisis by underscoring the need for targeted policy interventions. These include increasing the availability of affordable land and construction materials, prioritizing vulnerable populations, expanding subsidized public housing, regulating housing prices and rental rates, enhancing mortgage facilities, and managing the influx of migrants to the capital. These recommendations aim to improve homeownership opportunities for middle-income households and address the persistent housing deficit in Addis Ababa.

Homeownership determinants, middle-class households, housing deficit, Affordable housing, Urbanization, and Migration

"An Assessment of Homeownership Determinants for Middle-Class Households in Addis Ababa, Ethiopia", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 11, page no.h665-h719, November-2024, Available :http://www.jetir.org/papers/JETIRTHE2160.pdf

"An Assessment of Homeownership Determinants for Middle-Class Households in Addis Ababa, Ethiopia", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 11, page no. pph665-h719, November-2024, Available at : http://www.jetir.org/papers/JETIRTHE2160.pdf