House ownership is important for all levels of the housing market whether it is a high, medium or low-cost housing development. Apart from the lifestyle and living standard of a society, this is to ensure that every income earner has a decent shelter.This paper seeks to compare the affordability of house ownership within the 5-year period from 2007 until 2012. The category of low-income earners is chosen as case study. The result shows that in 2012 this group has the ability to afford low-cost house compared to when they were in 2007. Among the factors that influence the affordability is the increase in income, education aid and contribution from the ruling government.