Government Finance and Housing Delivery of Selected Local Governments in Ogun State, Nigeria

The problem of housing globally became aggravated after the scourge of Covid 19 in 2020. Mainly affected are the increasing low-income earners in developing countries struggling with over population without a corresponding housing supply and stable mortgage programme. This made it imperative to study the phenomenon of housing deficit in Ogun State. The objective of this study is to look at the nexus between housing deficit vis a vis housing delivery and government finance in Sagamu, Ijebu Ode, Ado Odo Ota and Abeokuta south local governments in Ogun State. The study adopted the exploratory research design and descriptive research design, using both primary and secondary data. Using the convergence theory that argues that its the state solely fiduciary duty to solve housing problems, the study discovered that majority of the respondents lived in houses not befitting for humans, this is because successive governments have consistently neglected growth in population in formulating housing policy because this mainly affects the low income earners. The study recommended a template for proper statistical data on birth rate, middle/low income earners, increased budgetary allocation for housing delivery, construction of low-cost houses that are affordable by the lower class. It concluded that there should be sincerity on the part of the state government and this must begin with judicious spending and accountability of the monthly budget on housing delivery which must not only be affordable but also accessible to low income earners in the state.