Housing settlement (13)
I believe the answer is:
accommodation
I believe this clue is a double definition.
'housing' is the first definition.
(accommodation is a kind of housing)
'settlement' is the second definition.
(accommodation is a kind of settlement)
(Other definitions for accommodation that I've seen before include "Board" , "Housing" , "Lodgings - compromise" , "somewhere to live" , "agreement" .)