Audio By Vocalize Government houses under construction in Ngara, Nairobi. [File, Standard] Kenya does not simply have a housing problem. It has an affordability and allocation problem. A house does not become affordable simply because the government calls it affordable. Kenya faces a substantial housing deficit, particularly in its urban areas, where millions continue to live in informal settlements and inadequate housing. The government has responded with an ambitious Affordable Housing Programme, the Affordable Housing Levy established under the Affordable Housing Act, and initiatives aimed at improving access to housing finance. These are important interventions. But as Kenya builds thousands…