It is of great economic and social significance to integrate migrant workers into the housing accumulation fund. The subjective willingness of migrant workers to deposit housing accumulation fund is stronger, but the lack of economic ability plays an important role in restraining a migrant worker from buying a house.The study shows that the level of migrant worker' knowledge of and evaluation on housing accumulation fund is not high, and this level bears regional characteristics. At the same time, the regional differences in the distribution of migrant workers have restricted the expansion of housing accumulation fund, the inappropriate disbursement of housing accumulation fund has increased the house purchase pressure of migrant workers, and the function of housing accumulation fund system is badly in need of improvement. The three above mentioned aspects become the realistic factors of restraining the housing accumulation fund from expanding and from benefiting migrant workers. This paper proposes such measures as the establishment of a public and formal system for migrant workers to deposite the housing accumulation fund, the implementation of the housing accumulation fund policy that takes regional diversity into consideration, the support of the housing fund loans in other cities, and the enhancement of financial function of the housing accumulation fund, hence giving full play to the security function of the housing accumulation fund for migrant workers.