Ghana's housing needs have been increasing as the main towns grow in population. In 1982, the government established the State Housing Construction Co. to help supply new low-cost dwelling units. The Bank for Housing and Construction finances private housing schemes on a mortgage basis. Under another housing ownership scheme, civil servants may acquire accommodations on purchase-lease terms. The Cocoa Marketing Board, the Social Security and National Insurance Trust, and other organizations have also invested in housing projects; nevertheless, most houses continue to be built without government assistance. Foreign mining companies provide housing for all their overseas employees and many of their African workers. According to the latest available information, housing units in the 1980s numbered 2,458,000, with 5.2 people per dwelling.
Recognizing that most private homes are too expensive for many citizens, the government has been working on programs addressing land and material costs and long-term financing for constructions. From 2001–2004, the government had planned to build about 20,000 housing units. As of 2001, about 76% of urban and 46% of rural households had access to adequate water supplies.