This paper estimates housing tenure choice models for the Ibadan housing market in Nigeria. The empirical analysis based on a logit regression model reveals that the key determi- i-nants of the probability of home-ownership are: income, the investment motive for home-ownership, number of children in the house, gender of the head of household, stage in family life-cycle, length of stay in the city and access to land on the basis of ethnic qualification. Access to institutional sources of housing finance is selective and, as such, has not been effective in enhancing home-ownership across the city.
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