This paper is part of a research project undertaken at ICRIER and supported by the Ford Foundation for research and dissemination on challenges to affordable housing in the urban areas of India to improve housing access for economically-disadvantaged and middle-income households. We would like to thank the Ford Foundation for funding this study, and especially Shri Pradeep Nair for his encouragement and support. We are extremely grateful to Prof. Om Mathur, Prof. Piyush Tiwari and Prof. Debolina Kundu for their valuable comments and suggestions. We thank Mr. Manikandan KP for sharing his perspectives on low-income housing. Last but not the least, we would also like to express our sincere thanks to Prof. Rajat Kathuria, Director and CE, ICRIER for his support and encouragement.