The article emphasizes that housing affordability is primarily determined by a household’s ability to make manageable monthly payments, rather than just the interest rates. It argues that interest rates are less significant compared to ensuring monthly payments are within a family's income capacity, especially in markets like Pakistan where income levels are low.

Pakistan, a country of over 240 million people, has approximately 38.29 million households, with about 81.9% of homes being owner-occupied and 11.9% rented. The housing situation varies greatly across its provinces and regions, influenced by factors such as population density, affordability, and household size.

The 2023 Census data on Pakistan's housing reveals substantial disparities across the nation's 38.29 million households, with 67.5% residing in pakka (permanent) structures, while the remaining 32.5% live in semi-pakka and kacha (temporary) dwellings.

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