Housing in Pakistan

Overview of housing in Pakistan

A square full of middle-class apartment buildings in Gulshan-e-Iqbal, Karachi.

Housing in Pakistan generally consists of three classes: pakka houses (पक्का/پکّا pakkā, lit. '"ripe"'), which are made of strong materials like brick and cement; katchi houses (کچی kachē, lit. '"unripe, semi-made, unsure"'), which are made of less-permanent materials such as thatch and bamboo; and semi-pakka houses (these make up, which are a sort of mix of the pakka and katchi houses.[1] Housing in Pakistan has always been insufficient due to a growing population (which is 241.49 million as per the 2023 Pakistani Census)[2] and accelerated by urbanisation combined with the housing problem being low-priority in the eyes of the government.[1][3] Housing is an important element of real estate in Pakistan.

## Housing shortage and deficit

[edit]

Urban areas were facing a shortage of 4.4 million housing units in 2010, while the population is expected to grow by 40 million in 2030.[4] Furthermore, this shortage is expected to grow due to a shortfall of 270,000 housing units per year.[5] In Pakistan, past trends indicate that the increase in housing stock (146 percent increase) lagged far behind the population growth (209 percent increase) during 1960-1998, leading to overcrowding in housing units. The growth of housing in urban areas was far more rapid as compared to rural areas; 253 percent and 115 percent respectively. The habitation density level equals more than three people per room, which is significantly higher than the tolerable crowding level proposed by the United Nations; 1.4 to 2.0 individuals per room.[6] Urban crowding, specifically, has been accelerated by people from less-developed rural areas moving to cities to achieve better qualities of life.[7]

## Housing finance in Pakistan

[edit]

Housing financing is an important driver of housing in Pakistan and many banks are offering loans for house construction.[8]

## List of districts by types of housing units

[edit]

This section is an excerpt from List of districts of Pakistan by number of households § List.[edit]

District  | Households

(2023)

[9][10][11][12][13]

| Pakka HH  | Semi Pakka HH  | Kacha HH  | Division  | Province

|
|
|
|
|
|

Muzaffarabad | ...  | ...  | ...  | ...  | Muzaffarabad | Azad Kashmir
Hattian Bala | ...  | ...  | ...  | ...
Neelum | ...  | ...  | ...  | ...
Mirpur | ...  | ...  | ...  | ...  | Mirpur
Bhimber | ...  | ...  | ...  | ...
Kotli | ...  | ...  | ...  | ...
Poonch | ...  | ...  | ...  | ...  | Poonch
Bagh | ...  | ...  | ...  | ...
Haveli | ...  | ...  | ...  | ...
Sudhnati | ...  | ...  | ...  | ...
Ghanche | ...  | ...  | ...  | ...  | Baltistan | Gilgit-Baltistan
Skardu | ...  | ...  | ...  | ...
Roundu | ...  | ...  | ...  | ...
Kharmang | ...  | ...  | ...  | ...
Shigar | ...  | ...  | ...  | ...
Astore | ...  | ...  | ...  | ...  | Diamer
Diamer | ...  | ...  | ...  | ...
Darel | ...  | ...  | ...  | ...
Tangir | ...  | ...  | ...  | ...
Ghizer | ...  | ...  | ...  | ...  | Gilgit
Gilgit | ...  | ...  | ...  | ...
Hunza | ...  | ...  | ...  | ...
Nagar | ...  | ...  | ...  | ...
Gupis-Yasin District | ...  | ...  | ...  | ...
Haripur | 192,451  | 166,124  | 14,153  | 12,174  | Hazara | Khyber Pakhtunkhwa
Battagram | 86,196  | 48,437  | 20,917  | 16,842
Abbottabad | 236,789  | 193,933  | 22,393  | 20,463
Allai | ...  | ...  | ...  | ...
Lower Kohistan | 47,347  | 10,620  | 11,492  | 25,235
Mansehra | 294,052  | 226,458  | 38,736  | 28,858
Torghar | 29,410  | 3,134  | 14,531  | 11,745
Upper Kohistan | 63,712  | 5,117  | 27,517  | 31,078
Kolai Palas | ...  | ...  | ...  | ...
Hangu | 61,148  | 38,737  | 13,917  | 8,494  | Kohat
Kurram | 94,548  | 21,880  | 27,221  | 45,447
Karak | 95,997  | 58,249  | 18,335  | 19,413
Kohat | 169,679  | 122,559  | 28,939  | 18,181
Orakzai | 52,104  | 2,256  | 10,058  | 39,790
Bajaur | 181,699  | 27,346  | 63,965  | 90,388  | Malakand
Buner | 118,665  | 68,410  | 18,044  | 32,211
Lower Chitral | 46,028  | 13,089  | 19,932  | 13,007
Lower Dir | 202,836  | 125,537  | 44,963  | 32,336
Shangla | 125,540  | 58,042  | 30,749  | 36,749
Malakand | ...  | ...  | ...  | ...
Swat | 381,212  | 256,511  | 53,430  | 71,271
Upper Chitral | 26,365  | 1,355  | 12,366  | 12,644
Upper Dir | 149,536  | 49,087  | 57,631  | 42,818
Central Dir District | ...  | ...  | ...  | ...
Charsadda | 263,934  | 175,900  | 51,791  | 36,243  | Peshawar
Khyber | 166,805  | 39,824  | 50,546  | 76,435
Nowshera | 259,774  | 162,187  | 65,996  | 31,591
Peshawar | 690,976  | 462,558  | 107,632  | 120,786
Mohmand | 63,973  | 9,406  | 15,098  | 39,469
Upper South Waziristan | 178,636  | 5,010  | 23,935  | 149,691  | Dera Ismail Khan
Lower South Waziristan | 178,636  | 5,010  | 23,935  | 149,691
Tank | 70,563  | 18,867  | 22,315  | 29,381
Dera Ismail Khan | 270,021  | 125,325  | 51,233  | 93,463
North Waziristan | 99,595  | 18,819  | 32,717  | 48,059  | Bannu
Bannu | 183,130  | 96,009  | 27,660  | 59,461
Lakki Marwat | 131,800  | 57,685  | 27,693  | 46,422
Swabi | 278,976  | 215,601  | 39,021  | 24,354  | Mardan
Mardan | 400,859  | 292,261  | 61,540  | 47,058
Jamshoro | 213,493  | 119,466  | 25,955  | 68,072  | Hyderabad | Sindh
Hyderabad | 448,191  | 374,845  | 26,438  | 46,908
Badin | 397,892  | 87,240  | 28,215  | 282,437
Dadu | 340,471  | 104,661  | 55,091  | 180,719
Matiari | 158,463  | 75,547  | 20,247  | 62,669
Sujawal | 158,854  | 25,024  | 5,449  | 128,381
Tando Allahyar | 177,471  | 69,813  | 19,664  | 87,994
Tando Muhammad Khan | 143,798  | 41,358  | 13,291  | 89,149
Thatta | 206,202  | 71,592  | 11,267  | 123,343
Ghotki | 331,046  | 142,217  | 51,569  | 137,260  | Sukkur
Khairpur | 452,250  | 163,886  | 65,921  | 222,443
Sukkur | 268,588  | 143,107  | 37,844  | 87,637
Karachi Central | 651,268  | 628,188  | 17,715  | 5,365  | Karachi
Karachi East | 659,389  | 616,634  | 25,307  | 17,448
Karachi South | 425,093  | 413,861  | 7,398  | 3,834
Karachi West | 464,756  | 419,868  | 36,598  | 8,290
Keamari | 319,121  | 295,235  | 19,630  | 4,256
Korangi | 493,050  | 475,536  | 11,296  | 6,218
Malir | 421,426  | 384,794  | 19,273  | 17,359
Larkana | 321,528  | 150,538  | 49,251  | 121,739  | Larkana
Jacobabad | 195,056  | 54,912  | 27,875  | 112,269
Kashmore | 208,894  | 52,435  | 22,512  | 133,947
Qambar Shahdadkot | 267,553  | 80,725  | 44,249  | 142,579
Shikarpur | 214,824  | 63,071  | 34,253  | 117,500
Mirpur Khas | 312,986  | 104,597  | 37,923  | 170,466  | Mirpur Khas
Umerkot[14] | 222,562  | 59,498  | 14,895  | 148,169
Tharparkar | 327,584  | 62,495  | 15,081  | 250,008
Sanghar | 406,937  | 149,449  | 49,605  | 207,883
Shaheed Benazirabad | 334,356  | 134,116  | 46,908  | 153,332  | Shaheed Benazirabad
Naushahro Feroze | 319,768  | 125,417  | 66,100  | 128,251
Hub | ...  | ...  | ...  | ...  | Kalat | Balochistan
Surab | 51,227  | 1,510  | 3,413  | 46,304
Lasbela | 115,539  | 55,669  | 26,332  | 33,538
Mastung | 43,695  | 3,684  | 10,268  | 29,743
Khuzdar | 161,450  | 15,293  | 19,353  | 126,804
Kalat | 33,101  | 1,791  | 2,712  | 28,598
Awaran | 27,796  | 3,495  | 3,651  | 20,650
Barkhan | 23,053  | 1,305  | 2,257  | 19,491  | Loralai
Duki | 43,059  | 2,193  | 7,048  | 33,818
Musakhel | 31,252  | 2,928  | 8,514  | 19,810
Loralai | 38,214  | 3,248  | 4,852  | 30,114
Gwadar | 50,357  | 25,890  | 8,174  | 16,293  | Makran
Kech | 253,475  | 45,325  | 53,418  | 154,732
Panjgur | 117,089  | 8,318  | 14,854  | 93,917
Jafarabad | 81,562  | 17,223  | 8,230  | 56,109  | Nasirabad
Jhal Magsi | 30,953  | 979  | 2,708  | 27,266
Kachhi | 50,032  | 4,478  | 5,990  | 39,564
Nasirabad | 87,516  | 11,131  | 9,012  | 67,373
Sohbatpur | 33,734  | 5,383  | 2,551  | 25,800
Usta Muhammad | ...  | ...  | ...  | ...
Dera Bugti | 62,267  | 9,445  | 4,291  | 48,531  | Sibi
Kohlu | 38,095  | 2,200  | 2,286  | 33,609
Sibi | 31,296  | 7,350  | 4,716  | 19,230
Harnai | 16,393  | 2,690  | 1,682  | 12,021
Ziarat | 22,894  | 1,477  | 5,476  | 15,941
Chaman | 61,915  | 7,909  | 15,390  | 38,616  | Quetta
Pishin | 147,185  | 11,003  | 35,899  | 100,283
Quetta | 288,459  | 170,219  | 72,562  | 45,678
Qilla Abdullah | ...  | ...  | ...  | ...
Qilla Saifullah | 69,998  | 3,338  | 7,564  | 59,096  | Zhob
Sherani | 36,100  | 6,096  | 11,991  | 18,013
Zhob | 47,901  | 9,156  | 14,053  | 24,692
Kharan | 35,843  | 1,497  | 2,831  | 31,515  | Rakhshan
Nushki | 31,255  | 5,833  | 2,186  | 23,236
Washuk | 49,049  | 1,539  | 2,355  | 45,155
Chagai | 38,213  | 3,378  | 1,259  | 33,576
Rawalpindi | 998,000  | 954,371  | 28,504  | 15,125  | Rawalpindi | Punjab
Jhelum | 229,064  | 188,131  | 33,876  | 7,057
Attock | 353,973  | 300,730  | 37,407  | 15,836
Murree | ...  | ...  | ...  | ...
Chakwal | 288,838  | 255,217  | 24,691  | 8,930
Talagang | ...  | ...  | ...  | ...
Taunsa | ...  | ...  | ...  | ...  | Dera Ghazi Khan
Kot Addu | ...  | ...  | ...  | ...
Layyah | 341,131  | 267,120  | 39,943  | 34,068
Dera Ghazi Khan | 454,464  | 241,554  | 70,990  | 141,920
Muzaffargarh | 804,438  | 488,335  | 157,996  | 158,107
Rajanpur | 354,016  | 141,395  | 59,668  | 152,953
Toba Tek Singh | 393,896  | 338,172  | 36,312  | 19,412  | Faisalabad
Jhang | 491,999  | 397,371  | 54,624  | 40,004
Chiniot | 256,438  | 199,798  | 33,514  | 23,126
Faisalabad | 1,382,773  | 1,237,096  | 110,218  | 35,459
Lahore | 2,010,225  | 1,935,611  | 35,577  | 39,037  | Lahore
Kasur | 645,308  | 540,354  | 79,275  | 25,679
Nankana Sahib[15] | 246,956  | 185,031  | 45,307  | 16,618
Sheikhupura | 593,260  | 513,119  | 65,484  | 14,657
Sialkot | 671,320  | 604,148  | 51,414  | 15,758  | Gujranwala
Gujranwala | 849,177  | 741,932  | 89,444  | 17,801
Narowal | 281,536  | 233,108  | 38,641  | 9,787
Okara | 549,724  | 453,858  | 59,375  | 36,491  | Sahiwal
Pakpattan | 344,546  | 273,335  | 41,115  | 30,096
Sahiwal | 446,606  | 394,320  | 31,953  | 20,333
Rahim Yar Khan | 826,942  | 557,630  | 173,774  | 95,538  | Bahawalpur
Bahawalnagar | 557,616  | 383,565  | 98,387  | 75,664
Bahawalpur | 673,437  | 501,686  | 128,953  | 42,798
Sargodha | 684,321  | 466,251  | 168,783  | 49,287  | Sargodha
Khushab | 248,304  | 176,020  | 55,494  | 16,790
Bhakkar | 313,311  | 225,505  | 48,220  | 39,586
Mianwali | 296,339  | 214,514  | 51,717  | 30,108
Khanewal | 526,196  | 420,871  | 58,097  | 47,228  | Multan
Vehari | 543,036  | 460,560  | 53,884  | 28,592
Multan | 886,392  | 686,034  | 118,358  | 82,000
Lodhran | 323,866  | 246,571  | 50,293  | 27,002
Mandi Bahauddin | 285,989  | 225,613  | 50,747  | 9,629  | Gujrat
Gujrat | 489,337  | 428,939  | 49,864  | 10,534
Hafizabad | 197,206  | 153,252  | 35,941  | 8,013
Wazirabad | ...  | ...  | ...  | ...
Islamabad Capital Territory | 410,993  | 400,099  | 4,984  | 5,910  | Islamabad Capital Territory | Islamabad Capital Territory

## See also

[edit]

* Pakistan Islands Development Authority
* Naya Pakistan Housing & Development Authority
* Federal Government Employees Housing Authority

## References

[edit]

1. ^ a b "Pakistan - Housing". Encyclopedia Britannica. Archived from the original on 2021-07-24. Retrieved 2021-07-21.
2. ^ "Pakistan's population soars to 241.49mln in digital census 2023". 2023-08-07. Retrieved 2023-09-30.
3. ^ Story, Pakistan's Growth (2019-03-28). "The Case of Affordable Housing". Pakistan's Growth Story. Archived from the original on 2021-07-21. Retrieved 2021-07-21.
4. ^ "How to manage urban growth in Pakistan". blogs.worldbank.org. Archived from the original on 2021-07-21. Retrieved 2021-07-21.
5. ^ "Affordable Housing in Pakistan". Reall—Affordable Housing Charity. Archived from the original on 2021-07-21. Retrieved 2021-07-21.
6. ^ Haq, Ms. Rashida. "Quantity and Quality of Housing Conditions" (PDF). Benazir Income Support Programme. Archived (PDF) from the original on 4 July 2021. Retrieved 24 July 2021.
7. ^ "How do we solve the housing crisis in Pakistan?". The Nation. 2019-03-18. Archived from the original on 2019-05-03. Retrieved 2021-07-24.
8. ^ Malik, Sana; Roosli, Ruhizal (2022), Kundu, Amitabh; Ponce Dentinho, Tomaz; Magsi, Habibullah; Basu, Kanika (eds.), "Appraisal of Housing Finance in Pakistan for Low-Income Groups: Concepts and Processes", Accessible Housing for South Asia: Needs, Implementation and Impacts, Cham: Springer International Publishing, pp. 297–308, doi:10.1007/978-3-030-88881-7_17, ISBN 978-3-030-88881-7, retrieved 2023-10-01
9. ^ "TYPE OF HOUSING UNIT BY CENSUS-2023, KPK" (PDF).
10. ^ "TYPE OF HOUSING UNIT BY CENSUS-2023, SINDH" (PDF).
11. ^ "TYPE OF HOUSING UNIT BY CENSUS-2023, ISLAMABAD" (PDF).
12. ^ "TYPE OF HOUSING UNIT BY CENSUS-2023, BALOCHISTAN" (PDF).
13. ^ "TYPE OF HOUSING UNIT BY CENSUS-2023, PUNJAB" (PDF).
14. ^ "Historically & Geographically". District Government Umerkot. Archived from the original on 24 February 2012. Retrieved 16 February 2014.
15. ^ "Nankana becomes district". Dawn. Pakistan. 10 May 2005. Retrieved 16 February 2014.

* POETIC LICENCE: Low-cost cities: an innovative new concept for urban development Daily Times (Sunday, November 24, 2002)
* Low-cost housing facility for poors top priority: Governor © 2007 Associated Press of Pakistan
* Proposal for the Construction of Low Cost Housing at Ibrahim Hydery, Karachi by Nadir Mansoor et al.

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