With the advancement of the comfortable housing project，low-rent housing project and economically affordable housing project，the housing problems of the the medium- and low-income urban families have been effectively alleviated， but it’s still far from being completely solved. The medium- and low-income urban families are still in difficult times, and there still exist many problems in the housing system. Taking Zhuzhou city for an example, this paper describes the current housing situation and analyses the existing problems in the medium and low income urban families，and then puts forward some countermeasures to improve the housing guarantee system for all urban residents.