September 14, 2026

Securities and Exchange Commission
100 F Street, N.E.
Washington, D.C. 20549

Ladies and Gentlemen:

Pursuant to Rule 497(j) under the Securities Act of 1933 (the “Securities Act”), this letter serves as certification that the form of prospectus that would have been filed pursuant to Rule 497(c) under the Securities Act would not have differed from that contained in the most recent post-effective amendment to the Registration Statement on Form N-1A of the AFL-CIO Housing Investment Trust, which was filed electronically with the SEC via EDGAR on September 2, 2026.

Sincerely,

/s/ Nicholas C. Milano

Nicholas C. Milano
General Counsel