The biggest advantage kenyans have unlike many in the west is that they have rural ancestral land and simbas/homes and therefore taking a 20yr mortgage to buy an overpriced property in the city or a plot huko dustbowl doesn't make sense. For some the city is a workplace where you report to the office mon - fri and then over the weekend tend to your cattle and maize in the village. Some even commute from their homes in the village every day.
FYI Kenya has one of the highest home ownership rates in the world. Over 90% of Kenyans live in rural areas and nearly all of them live in their own mortgage free homes. Also a majority of city workers take sacco loans to build homes in the village and they move there after retirement as they continue farming in their sunset years. For others their families live in the village and its only the man living in the city in some SQ or bedsitter in the city. So for them instead of buying kaploti in dustbowl at 1m and putting up a 5m house, they would rather put up a bungalow in their ancestral land or buy 5 acres in the village and put up a bungalow or a semi permanent house.
Therefore the 20k mortgages taken by city folk to buy apartments shouldn't be an indicator of home ownership in the country.