Housing resources as an element of material infrastructure determine socio-economic development on a local, regional and national scale. Their economic and physical accessibility affects the development of human, social and relational capital, determines the competitiveness of the territory and can be seen as a generator of income both in the individual sense and in relation to the whole society. The article has a theoretical character and its aim is to identify the relationship between satisfying the housing needs of local communities and the development of territorial capital. The article also analyzes factors that allow the qualification of housing resources as a strategic resource for the development of a territory.