The settlement and housing of refugees is high on the agenda in most European countries. This article develops a theoretical perspective on the housing provision of newly arrived migrants and applies it on the national discourses on settlement policies in Sweden, Denmark and Norway. The theoretical discussion focuses on the ambivalence between choice and need in housing policy, and between promoting demos and ethnos in integration policy. The empirical analysis takes its departure in these tensions and investigates the national discourses in terms of three potential arguments for restricting autonomy in the housing market precisely for newly arrived migrants: the legal status, resource and neighbourhood arguments. This frame of analysis makes it possible to interpret and understand the surprisingly strong differences in settlement policies between the three countries.We argue that our theoretical approach and analytical framework should be relevant for understanding national political discourses on settlement policy more generally.