Kenya's mortgage market grew to Ksh307.2 billion in 2025, yet the number of mortgage accounts saw a sluggish increase of only 2.5 percent, complicating the government's affordable housing goals.

• Outstanding mortgage loans rose by 10 percent to Ksh307.2 billion from Ksh279.3 billion in 2024.
• The Central Bank of Kenya (CBK) identified low income, high property costs, and limited access to affordable finance as primary barriers.
• The average mortgage size increased to Ksh10 million, indicating fewer borrowers are accessing larger loans.