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Majority of Households in the Philippines Own/Amortize Their Housing Units/Lots (2020 Census of Population and Housing)

Release Date:
Reference Number: 2023-60

Four in five households in the Philippines live in housing units/lots they owned/amortized

1. In the 2020 Census of Population and Housing (2020 CPH), out of the 26,374,653 households, 21,577,285 households (81.8%) lived in housing units/lots that they owned/amortized. These were the households who either: (i) own or have owner-like possession of the house and lot (57.3%); (ii) own house but rent lot (3.9%); (iii) own house in a rent-free lot with consent of the owner (18.6%); or (iv) own house in rent-free lot without consent of the owner (2.1%). (Table 1)

2. On the other hand, 2,858,920 households (10.8%) rented the housing unit and lot that they occupied. The remaining households (7.3%) either reported that their housing unit is rent-free, with or without consent of the owner, or did not report the tenure status of their housing units/lots. (Table 1)

BARMM and Western Visayas mark the highest proportion of owner-households

3. Among the 17 regions, 14 had a proportion of households living in owned/amortized housing unit/lot higher than the national figure of 81.8 percent. In six of these regions, about 9 out of 10 households had occupied housing units/lots that they owned/amortized. These were the Bangsamoro Autonomous Region in Muslim Mindanao (BARMM) and Region VI-Western Visayas with 94.2 percent each, Region VIII-Eastern Visayas with 92.4 percent, Region II-Cagayan Valley with 92.3 percent, Region V-Bicol Region with 91.0 percent, and Region I-Ilocos Region with 90.8 percent. (Table 1 and Figure 1)

NCR posts the highest proportion of renter-households

4. Of the 17 regions in the country, the National Capital Region (NCR) posted the highest proportion of renter-households, comprising 32.6 percent of its total number of households, followed by Region IV-A- CALABARZON with 16.4 percent, Cordillera Administrative Region (CAR) with 13.3 percent, and Region III-Central Luzon with 10.0 percent. (Table 1)

Table 1. Number and Percent Distribution of Households* by Tenure Status  of the Housing Unit/Lot by Region: Philippines, 2020


Figure 1. Proportion of Owner-Households by Region: Philippines, 2020

Most owner-households occupy inherited or purchased housing unit

5. Among the 21.58 million households who owned/amortized the housing unit/lot that they occupied, 45.3 percent reported that their housing unit was inherited, 45.2 percent stated that it was purchased, 4.2 percent declared that it was received as a gift, 4.0 percent reported other modes of acquisition, 0.6 percent reported that it was acquired as a company benefit, while the remaining 0.8 percent did not report how they acquired their housing unit. (Table 1 and Figure 2)

Figure 2. Percent Distribution of Owner-Households  by Mode of Acquisition of the Housing Unit: Philippines, 2020

Majority of owner-households occupy housing units that were purchased through own resources or interest-free loans from relatives/ friends

6. Among the 9.75 million households who purchased their housing unit, 85.4 percent used their own resources or interest-free loans from relatives/friends. About 9.8 percent of the households acquired their housing unit using government assistance through the National Housing Authority (NHA), Pagtutulungan sa kinabukasan: Ikaw, Bangko, Industriya at Gobyerno (Pag-IBIG), Government Service Insurance System (GSIS), Social Security System (SSS), Development Bank of the Philippines (DBP), and others, 5.0 percent acquired through private banks, foundations, cooperatives, 4.3 percent acquired through loans with interest from private persons, 1.4 percent acquired through employer assistance, and 0.9 percent acquired through other sources of financing. (Figure 3)

Figure 3. Percent Distribution of Owner-Households Who Purchased  their Housing Unit by Source of Financing: Philippines, 2020

One in three renter-households has monthly rental of PhP 2,000 or less; about 36 percent rent from P2,001 to 4,000 per month

7. Among the 2.86 million households who rented the housing unit that they occupied, 33.5 percent had a monthly rental of PhP 2,000 or less, broken down as follows: PhP 500 or less (3.3%); PhP 501 to 1,000 (6.4%); PhP 1,001 to 1,500 (9.9%); and PhP 1,501 to 2,000 (13.9%). (Table 1 and Figure 4)

8. On the other hand, 36.2 percent of the households paid a monthly rental of PhP 2,001 to 4,000 and 16.4 percent had a monthly rental of PhP 4,001 to 6,000. About 13.3 percent of the households rented their housing units for more than PhP 6,000 per month while the remaining 0.5 percent did not report the monthly rental of the housing unit that they occupied. (Figure 4)

Figure 4. Percent Distribution of Renter-Households by Monthly Rental  of the Housing Unit: Philippines, 2020

The statistics presented in this Press Release were based on the information provided by the respondent or any responsible household member who may provide accurate answers to the questions and give correct information about the household.

Moreover, the number of households cited in this report, which totals to 26,374,653 households, excludes those enumerated in relocation areas, those enumerated as homeless, and those living in other types of “buildings” such as buses/trailers, boats, tents, and others.

The following data items were collected by the enumerator from a sample of 20 percent of the total households in the enumeration area/s using CPH Form 3 (Sample Household Questionnaire) or CPH Form 7B (Self-Administered Questionnaire for Sample Household):

1. Tenure Status of the Housing Unit/Lot (“What is the tenure status of the housing unit and lot occupied by this household?”);
2. Mode of Acquisition of the Housing Unit (“How did this household acquire this housing unit?”);
3. Source of Financing of the Housing Unit (“Did this household avail of the following sources of financing in the construction/purchase of this housing unit?”); and
4. Monthly Rental of the Housing Unit (“How much is the monthly rental of this housing unit?”).


National Statistician and Civil Registrar General

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