To buy a 3-bedroom house or an apartment ( or whatever) even in a third-rate places like Athi river, I need 10M and above, going by what I see in real estate sites. If I take a mortgage for this with KCB for 30 years, the monthly repayment will be 121K. At the end of 30 years, I will have paid about 43M. Many people in formal employment in this country cant afford this, even in two life times. Or it is me who think it is a lot? May be I should start planning retirement far away from the city.