Asset ownership for currently working Kenyans

Most working Kenyans continue to prioritise land and housing as their main form of asset ownership.

Many rely on savings, Sacco loans, and mobile-based credit to acquire these assets.

Formal home ownership remains low in urban areas due to high property prices.

A significant share of workers invest in livestock, especially in rural counties, as a practical and reliable asset.

Pension coverage among working Kenyans is still limited, with most relying on the NSSF as their primary retirement asset.

Overall, asset ownership patterns reflect income levels, access to credit, and regional economic differences.