How to Buy your Unit of Ruto’s Affordable Housing in Kenya (2025 Update)

The Kenyan government’s Affordable Housing Programme (AHP), spearheaded by President William Ruto, aims to provide accessible homeownership opportunities for low and middle-income earners.

Central to this initiative is the Boma Yangu platform, which facilitates registration, contributions, and applications for affordable housing units nationwide.

Step 1: Register via Boma Yangu or USSD

Eligibility Criteria:

• Kenyan citizen aged 18 years and above
• Valid National ID

Registration Methods:

1. Online Portal:
   • Visit www.bomayangu.go.ke
   • Click on “Register” and provide your ID number, phone number, and email address
   • Set a password and complete your profile
2. USSD:
   • Dial *832# on your mobile phone
   • Select “Register” and follow the prompts

Step 2: Activate Your Account with Ksh200

To activate your Boma Yangu account, make a minimum contribution of Ksh200.

Payment Instructions:

• Paybill Number: 222222
• Account Number: BOMA followed by your ID number (e.g., BOMA12345678)

Note: Ensure you include the word “BOMA” before your ID number to avoid issues with your savings reflecting on the platform.

Step 3: Make Regular Contributions

After activation, you can save any amount at any time through various channels, including mobile money platforms, credit/debit cards, or cash deposits at authorized banks.

Consistent savings enhance your chances during the allocation process.

Step 4: Browse and Select Preferred Housing Units

Once registered and contributing:

• Log in to your Boma Yangu account
• View available housing projects across different counties
• Add preferred units to your wishlist

Each listing provides details on unit types, prices, and locations.

Step 5: Application and Allocation Process

The allocation process is conducted on a first-come, first-served basis.

Key Points:

• No mandatory deposit is required; however, saving at least 10% of the unit’s value is recommended to increase allocation chances
• If not allocated immediately, applicants are placed on a waiting list for future opportunities

Step 6: Financing Options

After allocation, choose a suitable financing method:

1. Tenant Purchase Scheme (TPS):
   Make monthly payments as rent over an extended period (up to 25 years)
2. Mortgage Financing:
   Access subsidized home loans with monthly payments as low as Ksh3,000, depending on the unit’s value

USSD Registration and Payment Summary

• Dial: *832#
• Select: “Register”
• Enter: National ID number
• Pay: Ksh200 via Paybill 222222, Account: BOMA + ID number

Note: This method is ideal for individuals without internet access.

Notable Affordable Housing Projects

Here are some of the ongoing and upcoming projects under the AHP:

• Moko Gardens (Athi River): Units starting from Ksh1.5 million
• Kings Boma Estate (Ruiru): Units starting from Ksh1.25 million
• Lurambi Project (Kakamega): Units starting from Ksh960,000
• Fairvalley Heights (Athi River): Units starting from Ksh2.15 million
• Bahati Project (Nakuru): Units starting from Ksh960,000
• Buxton Point (Mombasa): Units starting from Ksh2.9 million
• Nanyuki Project (Laikipia): Units ranging from Ksh960,000 to Ksh2.88 million
• Machakos Township Project: Units starting from Ksh920,000
• Kings Sapphire (Nakuru): Units starting from Ksh1.55 million
• Emgwen Project (Nandi): Units starting from Ksh920,000
• Seven Star Apartments (Mtwapa): Units starting from Ksh1.25 million

Prices vary based on unit type and location.

Final Thoughts

The Affordable Housing Programme offers a structured pathway to homeownership for Kenyans across various income levels. By registering through Boma Yangu, making consistent contributions, and selecting preferred units, you can take significant steps toward owning a home.

For more information and to begin your journey, visit www.bomayangu.go.ke.