“…In Kumasi, Ghana's second largest city, the share of the urban population renting is 57 per cent (Obeng-Odoom, 2011a), while in the Accra Metropolitan Area, 67 per cent of residents are renters (Gough and Yankson 2011). This substantial level of housing arises because households find it extremely difficult to enter into the Ghanaian housing market as owners for reasons such as the constraints in land acquisition (Abdulai and Ndekugri, 2007), high and rising costs of home ownership (Arku et al, 2012;Awanyo, 2009), low incomes for the vast majority of people (Ametefe et al, 2011) and the problem of severe housing shortages.…”