The article proposes to consider the issues of the residential real estate objects affordability from the position of differentiation by market segments, taking into account differences in the parameters of objects, as well as differences in the cost of objects. The issues of housing affordability are considered both in terms of improving housing conditions through the acquisition and the rent. When calculating affordability coefficients, it is proposed to differentially take into account the difference in the income of the population different groups. The matrix of housing affordability in the Krasnoyarsk market was formed from the point of view of the purchasing and renting possibility. The presented methodological approaches to determining the affordability of the residential real estate objects based on segmentation allow to improve the understanding of the processes taking place in the market, and adjust the main directions of the state’s housing policy. This is an opportunity for the construction business and residential rental sector to implement their offers with a clear focus on the target audience, taking into account the specificity of the local market.

The article investigates the methodological problems of assessing the affordability of housing. Particular attention is given to the consideration of modern methods for assessing the affordability of residential real estate described in domestic and foreign literature, in official documents. The development of market segmentation methods, in accordance with the directions presented in the article, will allow to assess the real affordability of residential real estate in the studied market segments, taking into account the affordability of objects in the market and the financial possibility of their acquisition or lease. The implementation of the algorithm for improving the segmentation of the residential real estate market according to the criterion of affordability will improve the accuracy of calculations, obtain information completeness of the assessment of housing affordability for the population, which will allow to develop and evaluate the effectiveness of federal and regional housing strategies, taking into account the desired structure of the housing stock for different groups of the population. Based on the results, the territorial authorities and developers will have an understanding of the current situation in the region regarding the affordability and demand for residential premises, which in the complex will allow to more accurately allocate the target audience and for it to create and promote appropriate residential real estate, will ensure the effective development of the housing sector and the construction industry, improving the quality of life of the population.