Housing Finance in Sudan


This profile is also available in French here.

To download a pdf version of the full 2022 Sudan country profile, click here.

Sudan’s population in 2021 is projected to be 44.9 million, with 49.1% men (22.43 million). The urban population grew 3.3% annually in 2021. Land scarcity, poor infrastructure, violence, and falling agricultural yield are driving rural migration. Despite a growing urban population, homebuilding is modest. More than a third (37%) of Sudan’s urban population lives in Khartoum.

Sudan’s GDP will drop 3.6% in 2020 and 0.5% in 2021. The pandemic, political instability, and the Russia-Ukraine conflict all contribute to the situation.As these challenges ease, inflation could reach 115% by 2023. COVID-19 dealt Sudan a macroeconomic blow as oil prices plummeted. COVID-19 dealt Sudan a macroeconomic blow as oil prices plummeted. The AfDB expects growth to rebound to 5.3% in 2021/22 and 6.5% in 2022/23 as COVID-19 travel restrictions are lifted.

Sudan’s land degradation, temperature rises, droughts, floods, and locust invasions reduce farm production and hinder development. Weather affects 20% of subsistence farmers’ harvests. Sudan ranked 177th out of 182 countries in Notre Dame’s 2020 Country Index for climate flexibility and adaptation.

Most Sudanese seeking official housing use cash and remittances. High unemployment (19.8%) complicates residents’ search for white-collar work. Restricted access to financial services has increased non-bank alternatives, affecting affordable housing.

Sudan has made housing progress but hasn’t met demand. In 2018, 2.5 million homes were needed. Without a corresponding increase in employment or economic growth, housing and land costs have risen. Imported building materials and rising inflation exacerbate the situation.

The Housing and Development Fund of Sudan’s Ministry of Planning and Infrastructure provides housing alternatives. The houses are for low- and middle-income earners and have a security wall, room, toilet, and kitchen. Harmonizing civil and customary land tenure requires more effort. Internet and electricity penetration should boost digital banking in Sudan. Digitizing land tenure and banking services is another opportunity. Incremental housing policy could close the demand-supply gap.

Find out more information on the housing finance sector of Sudan, including key stakeholders, important policies and housing affordability:

Each year, CAHF publishes its Housing Finance in Africa Yearbook. The profile above is from the 2022 edition, which has up-to-date profiles for 55 African countries.

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