what should come out clearly is what is this take home? Is it just your gross salary less PAYE and statutory deductions? Or further less SACCO loans and savings, Insurance policies etc, etc? If Its less all deductions then its true, not many Nairobians are taking home more than 100k.
As an example, I know someone whose gross salary is 642K but his take home is normally between 90 and 99K after all deductions.
Further, the fact that there are only 16000 mortgages doesn't mean its only those who can afford. I know many Nairobians and Kenyans go the route of buying plots and constructing. I believe quite a number of Kenyans can afford 50k-120K from their salaries as mortgages but they choose a different route.

99k will come to around 80k net, toa 40k jama anabaki na 40k za kujienjoy

So many Nairobians earn more than 100K(formal employment).Otherwise living in Nairob on a gross of less than 300K is a hustle

@Mutiso09

Kwani how much do you earn? You must be joking about that statement above unless you don't mean what you said and said what you didn't mean!

300 k is kidogo for formal employment?

100k is a decent pay and should allow one to do the following; pay rent for 25k, car loan 15k, fuel 10k, school fees 15k, kujienjoy 10k and the rest savings. The food and house costs niza bibi