Are you looking for the NHFSS salary scale per month in Nigeria 2025? You’re not alone. Many graduates, job seekers, civil service applicants, and those interested in social security work are searching for detailed information on how much the National Housing Fund Support Scheme (NHFSS) pays its staff. This guide provides an in-depth and easy-to-understand breakdown of NHFSS salary structure in 2025, covering freshers’ monthly earnings, allowances, career progression, and recruitment requirements.
What is NHFSS?
The National Housing Fund Support Scheme (NHFSS) is a government-backed initiative under the Federal Mortgage Bank of Nigeria (FMBN). Its mission is to improve access to affordable housing finance by managing contributions from eligible workers and facilitating mortgage schemes. The scheme relies on a team of professionals in housing finance, legal, technical, compliance, and customer service roles.
Because NHFSS performs a critical role in housing policy, the NHFSS salary scale per month in Nigeria is structured to attract and retain qualified staff while providing competitive benefits.
Is NHFSS a Federal Government Job?
Yes. Employees of the NHFSS are federal government staff, either serving directly under FMBN or its housing subsidiary agencies. They enjoy government employment benefits such as pension, health insurance, housing allowance, leave bonus, and access to training programs. NHFSS staff salaries are paid according to a modified CONTISS (Consolidated Tertiary Institutions Salary Structure) or a similar structure adapted for its housing-focused role.
NHFSS Salary Per Month in Nigeria 2025 by Qualification
Below is the full breakdown of NHFSS monthly salary scale in Nigeria for 2025, categorized by education level and job grade.
1. NHFSS Salary for SSCE (O‑Level) Holders in 2025
Opportunities for SSCE holders at the NHFSS are limited to junior support roles, including clerical assistance, data entry, messenger duties, and facility support.
Entry Role: Office Assistant / Data Entry Clerk
Grade Level: GL 03 – GL 04
Monthly Basic Salary: ₦40,000 – ₦55,000
Allowances: ₦20,000 – ₦30,000
Estimated Total Monthly Pay: ₦60,000 – ₦85,000
These roles usually include standard government allowances with limited technical responsibility.
2. NHFSS Salary for OND/NCE Holders in 2025
OND and NCE holders are often recruited into technical support roles, loan application processing, and database management or records administration.
Entry Role: Loan Clerk / Admin Assistant / Technical Support Officer
Grade Level: GL 06
Monthly Basic Salary: ₦75,000 – ₦95,000
Allowances: ₦30,000 – ₦40,000
Estimated Total Monthly Pay: ₦105,000 – ₦135,000
Preference is often given to those with diplomas in finance, mass communication, or computer science.
3. NHFSS Salary for HND Holders in 2025
HND holders typically land mid-level roles in housing project coordination, compliance monitoring, finance support, or technical evaluation in the scheme.
Entry Role: Project Assistant / Compliance Analyst / Technical Support Officer
Grade Level: GL 08
Monthly Basic Salary: ₦110,000 – ₦130,000
Allowances: ₦45,000 – ₦55,000
Estimated Total Monthly Pay: ₦155,000 – ₦185,000
Key skills required include project monitoring, report writing, and familiarity with housing policy or database software.
4. NHFSS Salary for BSc/BA Degree Holders in 2025
Degree holders dominate roles in housing finance, legal administration, research, process improvement, and client relations.
Entry Role: Mortgage Analyst / Research Officer / Legal or Finance Officer
Grade Level: GL 08 – GL 09
Monthly Basic Salary: ₦130,000 – ₦160,000
Allowances: ₦60,000 – ₦80,000
Estimated Total Monthly Pay: ₦190,000 – ₦240,000
Degrees in economics, law, mass communication, statistics, accounting, and computer science are highly valued.
5. NHFSS Salary for Senior Staff & Managers in 2025
Senior staff and managers at the NHFSS benefit from significant pay increases and executive-level benefits.
Position: Department Head, Senior Advisor, Zonal Manager
Grade Level: GL 12 – GL 15+
Monthly Salary Range: ₦400,000 – ₦900,000+
Other Benefits: Official vehicle support, housing allowance, project or tour allowances
These roles require several years of experience, strong track records in housing finance or administration, and sometimes postgraduate qualifications.
Summary Table – NHFSS Salary Scale Per Month in Nigeria (2025)
| Qualification | Entry Role | Grade Level | Estimated Monthly Salary (₦) |
|---|---|---|---|
| SSCE | Office Assistant | GL 03 – 04 | ₦60,000 – ₦85,000 |
| OND/NCE | Loan Clerk | GL 06 | ₦105,000 – ₦135,000 |
| HND | Compliance Analyst | GL 08 | ₦155,000 – ₦185,000 |
| BSc/BA | Mortgage Analyst | GL 08 – 09 | ₦190,000 – ₦240,000 |
| Managers | Department Head | GL 12 – 15+ | ₦400,000 – ₦900,000+ |
NHFSS Allowances in 2025
Allowance packages at NHFSS are designed to support staff welfare and compensate for job responsibilities and location.
Common Allowances:
Housing Allowance: ₦30,000 – ₦80,000 per month
Transport Allowance: ₦15,000 – ₦30,000
Medical Allowance: Covered via HMO for staff and dependents
Leave Bonus: Paid annually typically around 10% of yearly salary
Project or Field Allowance: For staff engaged in regional inspections or workshops
Utility Allowance: For computers, internet, communication
Professional Certification Allowance: Paid on certification completion (e.g. ICAN, CIPM, PMP)
Meal Subsidy: ₦5,000 – ₦10,000 monthly
Allowances are reviewed annually and adjusted based on budget and policy direction.
NHFSS Career Progression Structure
NHFSS promotes staff based on:
Minimum years served in current grade (typically 3–4 years)
Repeat performance evaluations and KPIs
Additional qualifications such as postgraduate degrees or certifications
Availability of vacancies at higher levels
A degree holder can rise to senior management in about 10 years by performing well and pursuing self-development.
Training & Staff Development
NHFSS supports continuous staff growth through:
In-house workshops on housing finance, mortgage analysis, and regulation
Professional training in project management, data analytics, and compliance
Certification sponsorships (eg. ICAN, CIPM, PMP, etc.)
Attendance at national housing conferences and industry seminars
Staff who complete such programs often qualify for quicker promotions or specialized roles.
NHFSS Recruitment Requirements in 2025
To work in NHFSS, applicants must meet certain academic and eligibility standards based on job level.
For SSCE:
5 credits including English and Maths
Age limit: 18–25 years
Basic computer literacy useful but not mandatory
For OND/NCE:
Diploma from accredited institution in a related field
Age limit: 18–28 years
Basic experience in office or support roles is advantageous
For HND/BSc:
Degree or HND with a minimum of Second Class Lower / Upper Credit
NYSC discharge or exemption certificate for graduates
Age limit: 20–30 years
Competence in Microsoft Office and good communication
Selection typically involves computer tests, interviews, document checks, and sometimes health screening.
Frequently Asked Questions (FAQs) – NHFSS Salary Scale Per Month 2025
How much does NHFSS pay fresh graduates?
Fresh BSc or HND holders earn between ₦155,000 and ₦240,000 monthly, depending on grade and department.
Can OND holders work in NHFSS?
Yes. OND holders can secure roles as loan clerks or admin assistants, earning roughly ₦105,000 – ₦135,000 monthly.
Does NHFSS offer housing allowances?
Yes. Housing allowance is included and ranges from ₦30,000 to ₦80,000 per month, depending on grade.
Is NHFSS a well-paying employer?
Yes. Within the housing and finance sector, NHFSS offers competitive salaries, structured progression, and good benefits.
Can SSCE holders secure a job at NHFSS?
Yes, but only in entry-level support roles with monthly pay between ₦60,000 and ₦85,000.
Are there career advancement opportunities at NHFSS?
Yes. Staff can progress to senior roles if they gain experience, perform well, and pursue further qualifications.
Final Thoughts on NHFSS Salary Scale Per Month in Nigeria 2025
The NHFSS salary scale per month in Nigeria 2025 shows how rewarding this public service agency is, especially for those interested in housing finance and social policy. With well-structured pay, allowances, career growth, and training opportunities, NHFSS is one of the more attractive government workplaces in Nigeria today.
If you're aiming for a good-paying job in housing policy or mortgage management, and you meet the requirements, NHFSS could be an excellent fit for your future career.