A Changing Landscape in Property Investment
For decades, the property market in Kenya, and much of Africa, was largely dominated by male investors. Today, that’s changing fast. More Kenyan women are buying land, apartments, and commercial units, shifting the balance of ownership and driving inclusive growth in the sector.
According to data from the Kenya Bankers Association, women’s mortgage uptake has grown steadily over the past five years, supported by rising financial independence, better access to credit, and growing awareness of property as a wealth-building asset.
Why Women Are Turning to Real Estate
- A Stable Long-Term Investment
Property offers tangible security, with a lower volatility profile than stocks or cryptocurrencies. Well-located homes in Nairobi’s growth corridors, such as Keza Riruta, tend to appreciate steadily while also generating rental income. - Wealth Preservation & Legacy Building
Real estate remains one of the best ways to preserve wealth over generations. For many women, it’s not just about investment returns — it’s about creating a lasting legacy for children and dependents. - Diversification Beyond Business or Employment Income
Women professionals and entrepreneurs are increasingly using property to balance their income streams, reducing dependence on salary or business earnings alone. - Collective Ownership Models
Investment groups (chamas) and women-led SACCOs are pooling resources to access properties they couldn’t purchase individually, spreading both cost and risk.
Removing the Barriers
Historically, women have faced three major obstacles to entering the property market:
- Access to financing due to lack of collateral.
- Limited information on where and how to invest.
- Cultural perceptions that undervalue women’s role as property owners.
Partnerships like the Mi Vida Homes & Women on Boards MOU are changing that narrative by:
- Offering preferential pricing that lowers the entry threshold.
- Providing learning platforms that equip women with practical investment knowledge.
- Connecting women to verified, ready-to-own properties with clear timelines.
How to Start Your Real Estate Journey
- Define Your Goal
Are you buying to live in, rent out, or hold for appreciation? Your goal will determine the type of property you target. - Set a Budget and Savings Plan
Use SACCOs, dedicated savings accounts, or automated deductions to build your deposit while you research options. - Leverage Partnerships and Networks
Joining a women-led investment group or taking advantage of initiatives like the Mi Vida & Women on Boards program can unlock pricing and knowledge you wouldn’t access alone. - Do Your Due Diligence
Always visit the site, review the title documents, and understand the payment structure before committing.
Inclusivity for All
Kenyan women are rewriting the property ownership story — not just participating, but leading. With the right strategy and support, you can turn property into a cornerstone of your financial future. And with projects like Keza Riruta ready for handover in September, there’s no better time to start.