This paper assessed urban residential housing and low-income earners in Makurdi
Metropolis, Benue State, Nigeria. The paper adopts survey research design to determine the
challenges confronting low income earners in urban residential housing areas in Markurdi
Metropolis, Benue State, Nigeria. The paper utilized both primary and secondary data
sources. Data obtained were analyzed using descriptive statistics. The paper found that 57.8%
of the respondents earn less than N10,000.00 (US$62.50) a month which made it difficult for
them to afford decent houses. The paper concluded that good urban government is necessary
to promote increased access to land, credit and affordable housing that is environmentally
friendly and conducive for the low income earners. The paper recommended that there should
be a carefully planned land for low income housing in Makurdi which should be allocated to
the target group of low income earners.