Exhibit 99(j)(1)

   Consent of Ernst & Young LLP, Independent Registered Public Accounting Firm

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. 47 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 11,  2005,  included in the 2004
Annual Report.


                                                         /s/ Ernst and Young LLP

Philadelphia, Pennsylvania
April 27, 2005