Social and affordable housing in Ukraine: mechanism and practices of provision

Keywords: social housing, affordable housing, demand for housing, housing construction, mortgage lending, housing programs, housing policy


he purpose of this publication is to research the state and mechanisms of formation of social and affordable housing in Ukraine and to determine the basic scientific and practical principles of improving housing. The study examines the theory and practice of providing housing for citizens in Ukraine. The concepts of “free”, “social” and “affordable” housing are studied and the practice of mechanisms of their formation in European countries is given. The legislative base of formation of social and affordable housing in Ukraine is briefly described. The general level of demand for housing in our state is outlined. To study the level of housing affordability for the population of our country, the authors used the adapted UN HABITAT methodology, taking into account the Ukrainian realities. We have taken as a basis a young family with two working people with average incomes for the region minus expenses at the subsistence level. At the same time such a young family have mostly one or two children and the priority of their purchase will be a small one-two-room apartment (or a two-bedroom apartment with a modern approach to construction) with an area of 43 sq.m. The results of the assessment of housing affordability obtained in this way show a general tendency to increase in the housing affordability index in Ukraine. At the same time, the real indicators of affordability are still quite low and characterize a fairly long period of cash savings of the population to obtain housing. The average value of affordability is 9.2 years in 2019, which is almost 6 times higher than the indicators of 2007. The value of affordability in the state varies considerably. It is found that the cities of Kyiv, Zaporizhia, Dnipropetrovsk, Kyiv and Sumy regions have the highest affordability indicators. The lowest values are typical for the Western region of the state, in particular Zakarpattia, Chernivtsi, Ternopil, Lviv, Rivne and Volyn regions. They are in the range of 11.5-16 years, which is almost 4 times different from the best indicators. The connection between housing affordability and the volume of construction and its commissioning and GDP growth rates is estimated. The state of mortgage lending in the state is analyzed. It has been found that there are currently more than 20 programs to support citizens in purchasing housing in Ukraine, but the effectiveness of most such programs is questionable and requires state support. Ways to implement an effective housing policy and its main components are proposed.

Author Biographies

Sergii P. Zapotoskyi
Faculty of Geography, Taras Shevchenko National University of Kyiv, Kyiv
Viktoriia A. Zapototska
Faculty of Geography, Taras Shevchenko National University of Kyiv, Kyiv
Oksana M. Trusij
Faculty of Geography, Taras Shevchenko National University of Kyiv, Kyiv
Volodymyr F. Pasko
Faculty of Geography, Taras Shevchenko National University of Kyiv, Kyiv


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How to Cite
Zapotoskyi, S., Zapototska, V., Trusij, O., & Pasko, V. (2021). Social and affordable housing in Ukraine: mechanism and practices of provision. Journal of Geology, Geography and Geoecology, 30(1), 190-200.