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Rural housing development is pivotal to tackling housing deficit in Nigeria. This study examines the challenges on existing housing structure in Ebele community, Benin City, Nigeria. It inquires into the housing finance structure, factors influencing its housing development and the infrastructural needs in the housing sector. It samples 30 residents from each of the five villages in Ebele community of Edo State. Using frequency counts and mean values, the result revealed that a considerable gapdoi:10.15641/jcbm.1.2.50 fatcat:vfxqq75jtvgjrkyxbeicb5jz6i