The journey of establishing oneself after completing education often begins with temporary accommodation before transitioning to rented housing.
As financial stability and job security solidify, many individuals aspire to homeownership through mortgages. This ambition, however, is tempered by the considerable costs involved, particularly for young professionals. The satisfaction derived from successfully building a home is significant, often providing a sense of security upon retirement. City outskirts including areas such as Ngata, Kiamunyi, and Lanet, have become popular for home construction. These regions offer expansive land suitable for development, though at premium prices.
In Kiamunyi, for instance, a quarter-acre plot may cost approximately 6 million Kenyan shillings, a sum beyond the means of many city residents. The substantial investment required for land acquisition and home construction in these areas often necessitates supplementary income sources. Many residents engage in agricultural activities, with dairy and poultry farming being particularly prevalent in Ngata, Kiamunyi, and Lanet. Architect O’Wakwabi notes that homeownership in these areas is primarily achievable for wealthy families, long-term employees with access to mortgages, or retirees with substantial gratuity funds.
However, the residential landscape in areas like Kiamunyi is evolving. The emergence of high-rise buildings, primarily commercial structures such as hotels and rental apartments, has raised concerns among some residents. O’Wakwabi expresses unease about this trend, suggesting that it may compromise residential security and alter the area’s character. Despite these developments, some individuals prefer to establish their homes closer to the city centre. Jennifer Wangui, for example, chose to reside in Pangani Estate, a middle-class neighbourhood comparable to Racecourse and Langa Langa Phase One Estate.
She cites proximity to work and urban amenities as key factors in her decision. Homeownership in Nairobi, while symbolizing stability and success, presents significant challenges. Rising land prices have made it increasingly difficult for younger generations to acquire property for construction. The complexities of the real estate market, coupled with the financial obligations of mortgages, render homeownership a formidable goal for many.
