Housing is a critical element of socioeconomic welfare, significantly influencing life quality and community interactions. In cities like Jos, Plateau State, Nigeria, the provision of housing is fraught with challenges due to the complex interaction between formal and informal governance structures. This study investigates the effects of hybrid governance on housing allocation in Jos, aiming to elucidate the intricate connections between governance models and housing distribution methods. An analysis of the formal and informal institutions that oversee land ownership and housing rules reveals that the divergent practices of these systems impede efficient housing provision, resulting in conflicts, poor living conditions, and restricted access to vital services. The study proposes a hybrid governance model that integrates formal regulatory agencies and informal community representatives to address these challenges. Encouraging cooperation and coordination among these groups can enable urban planners to promote the development of quality, affordable housing, thus alleviating the housing shortage and enhancing the city's habitability. This research offers significant insights for policymakers, urban planners, and housing policy stakeholders in Jos and similar settings, emphasising the necessity of inclusive governance strategies to achieve sustainable housing solutions.