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Housing Sector

Based on the 2000 NSO Census on Housing, there were 25,674 housing units in the city. The prevailing types of housing units were the single-detached with 21,446 units or 83.53 percent of the total housing units; 2,202 or 8.58 percent were multi-unit residential (apartments, rowhouses, condominiums, townhouses); 1,603 or 6.24 percent units were duplex-type; 97 or 0.38 percent were commercial, industrial and agricultural buildings which were also being used for dwelling; and the remaining 7.79 were institutional living quarters and other housing units.

The ratio of households to occupied housing units was 1:1.025. This ratio suggested that there was a sizeable existence of doubled-up households in the city and thus, a shortage in housing units of more or less 816 due to doubling of households. The same table revealed that there was 5.33 household population per occupied housing unit. From the data gathered, majority of the housing units were built of strong materials both for roofing and for outer walls (71.36 percent)

Occupied Housing Units by condition (State of Repair) of the Building, Year Built

Based on the data on the conditions of housing units gathered from the NSO, it showed that the proportion of housing units that do not need repair, or if at all needs minor repair only was relatively high at 72 percent. However, there were also notable percentage of houses which needs major repair (19 percent).

Households by Tenure Status of the Housing Unit

The data on tenurial status of the city’s housing units showed that majority of its households or 69.4 percent own their housing units, while the rest or 30.6 percent were either renting or occupying their houses for free with or without consent of the owner.

Mode of Acquisition of Housing Unit

As to the mode of acquisition of housing units, more than half of households or 50.5 percent of the housing units were constructed by the owner-households themselves with or without the help of friends and relatives; while 13.3 percent were purchased. Only 69.4 percent of Naga’s households actually own or are amortizing their respective dwelling unit.

Sources of Financing

For those who own their housing units, a big majority or 35.5 percent constructed their homes from their own resources; 4.5 percent with funds from government financing schemes and only a handful or 2.7 percent were acquired through persons or private banks/foundations or cooperatives.

Number of Housing Units in Danger Zones

In Naga City, areas that are considered as danger zones for housing are those located along the Naga and Bicol Rivers and those areas that are perennially flooded during heavy rains and typhoons. The areas that are considered severely flooded and has a 1.8-year inundation return period are the areas or portions of the following barangays: Abella, Calauag, Triangulo, Sabang, Dayangdang, Igualdad Interior, Peñafrancia, San Francisco, Sta. Cruz, and Tinago.

The total residential area affected by severe flooding in these barangays is approximately 60 hectares as reported in the Naga City Disaster Mitigation Plan. Records at the Urban Poor Affairs Office (UPAO) indicate that about 55 percent of the urban poor families are located in the flood-prone barangays and these include the following barangays with their estimated number of urban poor families.

The Strategic Watershed Management Plan of Naga City has identified about 500 households are living in the settlements or houses of which are located in the river easements. Majority of the families residing along the riverbanks lives in shanties or dwelling units made of light materials which are oftentimes poorly constructed.

Based on the Naga City Disaster Mitigation Plan study, out of the 33 resettlement sites for the urban poor in the city, more than half (19 sites) are located along flood-prone areas. Eight of these earlier resettlements are situated in high-risk areas experiencing severe flooding such as those in Igualdad, Abella, Sabang, Calauag, Triangulo and Tabuco. Since most resettled urban poor households in these areas cannot afford to fill and build houses resistant to strong winds and flooding, they remain vulnerable to risks.


At present, a total of 77 subdivisions which cover a combined area of 643.21 hectares have been granted development permits by the City Government. These subdivisions have been completed in the last 10 years.

Blighted / Squatter Areas

The Naga Kaantabay sa Kauswagan. To address the needs of Naga’s increasing urban poor population, which is estimated to range between 4,000 to 8,000 families compared to only 2,266 in 1980, the city government implemented the Naga Kaantabay sa Kauswagan (KSK) which focused on helping urban poor communities obtain security of tenure by either acquiring their homelots of providing them new ones in government-owned relocation sites.

In ten (10) years of implementation, the Program made possible the disposal of 108 hectares of private and government-owned lands to more than 8,000 landless families. In 1994 to 1998 alone, it distributed a total of 61.3748 hectares to a total of 4,464 families.

Moreover, the Program facilitated the development of 52 blighted urban poor communities in Naga, where multi-million peso worth of basic infrastructure like pathways, drainage canals, shallow wells, public faucets, streetlights and multi-purpose pavements were provided and/or upgraded. As a result, the number of city-assisted urban poor communities in the city rose dramatically, from the original 9 when the program started in 1989 to more than 80 today. These urban poor communities are scattered in Naga’s 27 urban barangays.

In addition, on top of the World Bank-funded UPSURGE which gave the city P 20 million for site development, the national government is making available P 50 million for KSK, by piloting the Localized Community Mortgage Program (LCMP) scheme of the Social Housing Finance Corporation (SHFC), the only LGU in the country to receive this opportunity.