This study examined the key factors influencing low-cost housing construction in South-East Nigeria, which comprises Abia, Anambra, Ebonyi, Enugu, and Imo States. Adopting a survey research design, data were obtained from 100 mortgage institutions and government agencies/policy makers, with 92 valid responses analyzed using SPSS version 22. Descriptive statistics and ordinal logistic regression (PLUM) were employed to assess the significance of various determinants. Findings revealed that 63% of respondents reported unavailability of affordable housing, underscoring a persistent housing gap. Regression results showed that economic factors (income levels, construction costs, and access to finance), social/cultural factors (cultural perceptions and community engagement), and market dynamics (demand-supply balance and competitive environment) significantly affect housing delivery (p < 0.05). In contrast, policy/regulatory (land use regulations, government policies) and technological factors (site conditions, resource availability) had no significant influence. The model demonstrated good fit and satisfied the proportional odds assumption, confirming the reliability of results. The study concludes that financial accessibility, community engagement, and market responsiveness are the strongest drivers of affordable housing provision in the region. It recommends expanding affordable mortgage schemes, strengthening community participation, and regulating market dynamics, alongside reforms in land administration and adoption of innovative construction technologies