Affordable housing firms in South-South Nigeria operate within a context of rapid urbanisation, housing scarcity, high construction costs, financing constraints, and uneven technological capacity. This study examined the relationship between property technology and organisational performance of affordable housing firms in South-South Nigeria, with organisational culture specified as a moderating context. Property technology was operationalised through smart real estates, real estate FinTechs, and construction technologies, while organisational performance was measured through financial and non-financial performance. The study was anchored on the Unified Theory of Acceptance and Use of Technology (UTAUT) and the Resource-Based View (RBV). A positivist, deductive and cross-sectional survey design was adopted. The population comprised 890 middle- and top-level managers drawn from 178 affordable housing firms registered with the Nigerian Institution of Estate Surveyors and Valuers across Rivers, Bayelsa, Edo, Delta, Akwa Ibom and Cross River States. A sample size of 269 was determined, and 230 usable questionnaires were obtained, representing an effective response rate of 85.51%. Data were analysed using descriptive statistics and Partial Least Squares Structural Equation Modelling (PLS-SEM) through SmartPLS 4.0.9.5. The findings show that smart real estates had a weak positive but non-significant relationship with financial performance (β=0.129, t=1.102, p=0.271), but a moderate positive and significant relationship with non-financial performance (β=0.313, t=3.554, p<0.001). Real estate FinTechs had a weak negative and non-significant relationship with financial performance (β=-0.185, t=0.877, p=0.381), but a moderate positive and significant relationship with non-financial performance (β=0.371, t=3.307, p=0.001). Construction technologies had a strong positive and significant relationship with financial performance (β=0.698, t=4.348, p<0.001), while their relationship with non-financial performance was weak and non-significant (β=0.090, t=0.708, p=0.479). Organisational culture did not significantly moderate the relationship between property technology and organisational performance (β=0.028, t=0.256, p=0.798). The article concludes that the performance value of PropTech is dimension-specific: smart real estate and real estate FinTechs appear more immediately connected with non-financial outcomes, whereas construction technology is strongly associated with financial performance. The findings support a more targeted technology adoption strategy among affordable housing firms rather than an undifferentiated investment in digitalisation.

Keywords: property technology; PropTech; smart real estate; real estate FinTech; construction technology; organisational performance; organisational culture; affordable housing; South-South Nigeria.