CONSENT OF ERNST & YOUNG LLP, INDEPENDENT AUDITORS


We consent to the reference to our firm under the caption "Financial
Highlights" in the Prospectus and to the incorporation by reference in this
Post-Effective Amendment No. 45 to the Registration Statement (Form N1-A) (No.
2-78066) of American Federation of Labor and Congress of Industrial
Organizations Housing Investment Trust of our report dated January 9, 2004,
included in the 2003 Annual Report.



/s/ ERNST & YOUNG LLP

Philadelphia, Pennsylvania
April 23, 2004