urban institute nonprofit social and economic policy research

Sally R. Merrill

Sally R. Merrill



Senior Fellow


Dr. Sally Merrill, a Senior Fellow at the Urban Institute, is an economist specializing in housing and urban policy, housing finance, and housing microfinance. Since 1987, she has focused on international development in housing policy reform, low income housing policy, microfinance for housing and credit enhancement schemes for low and modest income lending. Prior to this, Dr. Merrill worked on U.S. housing and welfare analysis, including public housing, housing vouchers, and discrimination.

Email: SMerrill@urban.org

Areas of expertise

Housing Finance, Microfinance for Housing, Urban Development.

Country Experience:
Asia (India, Sri Lanka, Pakistan, Bangladesh, Indonesia, and the Philippines), in CAR and CEE (Poland, Romania, Croatia, Kazakhstan, Ukraine, Bulgaria, Bosnia, Serbia, and Mongolia), in North Africa (Egypt and Algeria), and in Sub-Saharan Africa (South Africa, Kenya, Uganda, Tanzania, Zambia, Zimbabwe, Malawi, Ghana,) and Jamaica.


Selected Publications from Sally R. Merrill

  • Low Income Shelter Finance in Slum Upgrading
  • Microfinance for Housing: Assisting the "Bottom Billion" and the "Missing Middle"
  • Publications by topic:
    International Development
    Municipal and Intergovernmental Finance
    Urban Development & the Environment
    Housing and Land Markets

    See all publications by Sally R. Merrill

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