Depending in the circumstances of the applicant, various forms of subsidized housing opportunities exist within eThekwini Municipality.

Council stock - eThekwini owns and lets approximately 7 460 rental units in Chatsworth, Isipingo, Landsdowne, Umkomaas, Wentworth, Merebank, Hilary, Lamontville, Newlands, Sydenham, Marianridge, Wiggins, Phoenix, Verulam, Tongaat, Westbrook and Umbilo.  Tenants have been encouraged to take advantage of the Enhanced Extended Discount Benefit Scheme to purchase their units at steeply discounted prices.

Social housing – the municipality facilitates the creation of subsidised rental stock by housing institutions.  This is aimed at households earning between R1500 and R7500 per month, who either do not qualify for free housing, or prefer a more flexible tenure arrangement.

Community Residential Units (CRUs)- CRUs provide affordable rental accommodation for those households whose total income is between R800 and R3500 per month.  Many CRUs are situated within former hostels, which have been upgraded to secure family units with private sanitation and cooking facilities.
 Ownership:  All beneficiaries of ownership subsidies must meet the following criteria:
• Be competent to contract (ie: 18 years old or older, of sound mind)
• Be married, co-habiting or have dependants
• Have never received a housing subsidy from the state
• Have never owned property or land by means of a title deed
• South African citizen or have a permanent residence certificate

Breaking New Ground / low income housing: In 2014/2015, eThekwini aims to build 8500 new, fully subsidized houses for households whose total income is less than R3500 per month.  These houses are allocated to people from informal settlements, those living in overcrowded backyards, and to special cases including the disabled, child-headed households and military veterans.
Gap housing: For applicants whose total household income is above R3500 per month but below R15 000 per month, assistance is available in the form of the Finance Linked Individual Subsidy Programme (FLISP).  This subsidy is based on a sliding scale – the less your total household income, the greater the subsidy.  This subsidy provides a once-off down payment which is to be be used as a deposit to secure a mortgage / bond from a commercial bank.  The combined subsidy and bond must be spent on a property valued at no more than R300 000.  Applications for FLISP subsidies are made to the Provincial Department of Human Settlements.