In the last fifteen years, Ho Chi Minh City’s growth has been nothing short of astonishing as the city has become a regional hub for capital and entrepreneurial growth. Concurrently, housing affordability has been decreasing as developers have increasingly focused on the upper end of the market. AHI completed our study of the HCMC housing market and ecosystem for the International Finance Corporation (IFC), including a broad range of recommendations on how to encourage movement in the market, how to increase access to finance throughout the sector, and how to target housing policies and programs to middle- and middle-low income households.