The key to solve the housing problem of migrant workers is to realize the balance matching between housing consumption intention and housing consumption capacity. At present, the housing consumption of migrant workers is very strong, but their housing consumption capacity is insufficient. In addition, there are fewer migrant workers who rely on the housing provident fund to buy houses. The calculation of housing price to income ratio of migrant workers in different cities shows that migrant workers' housing consumption capacity presents urban hierarchical features. It is very difficult for migrant workers to have their houses in big cities, but it is possible to realize their house dream in small cities like three or four line cities. Utilizing the binary logistic regression model, the empirical analysis of micro data shows that the influence of the housing provident fund on housing purchasing, including migrant workers' housing consumption, has a layered characteristics. In other words, regional differences exist between various cities. As an important housing safeguard, housing provident fund should effectively benefit migrant workers, so as to improve their housing consumption capacity and help them realize their urban dream of "having a house in the city". Therefore, in the process of reform, the policies of the housing provident fund system should fit the concrete situation of a city so as to accurately support the housing consumption of migrant workers, thus gradually realizing the new "people-oriented" urbanization.