This study critically evaluates the quality of public housing provisions for low-income earners in Abuja, Nigeria, aiming to enhance housing policies and delivery outcomes. Employing a descriptive survey approach, data were collected from 150 residents using structured questionnaires focusing on housing quality and occupant preferences. The findings reveal a significant mismatch between the housing options provided and the disposable incomes of low-income residents, leading to widespread unaffordability. Despite increases in housing supply, the needs of low-income earners remain unmet, adversely affecting their living conditions, health, and well-being. The study highlights that current housing policies inadequately address the economic realities of low-income households. It recommends a thorough review of housing provision policies to better align with residents' financial capacities. Furthermore, the research advocates for a collaborative approach among housing designers, developers, and government agencies to promote the development of high-quality, affordable housing. By addressing these issues, the study seeks to contribute to policy amendments that ensure sustainable housing solutions for low-income populations, ultimately improving their quality of life and social inclusion.