Earth blocks are attractive for low-cost housing because they use local soil, require less firing energy, and can provide good thermal mass, but their adoption in humid tropical regions is limited by moisture sensitivity. This review examines how agricultural waste ash stabilizers, with emphasis on palm kernel shell ash and related pozzolanic residues, influence moisture durability, dry/wet compressive strength behavior, and practical suitability of earth blocks for affordable housing. The paper synthesizes evidence from compressed earth block literature, pozzolanic material standards, and studies on ash-modified earthen masonry. It argues that wet-to-dry strength retention is a more realistic durability indicator than dry compressive strength alone because low-cost walls are exposed to wind-driven rain, capillary rise, damp surfaces, and imperfect maintenance. The review shows that ash stabilizers can improve particle bonding and pore refinement when properly processed, proportioned, compacted, and cured, but excessive ash, poor soil selection, or inadequate detailing can increase water absorption and reduce field reliability. The paper proposes a moisture-durability framework connecting material chemistry, block production, wall detailing, and tropical housing performance. It concludes that agricultural waste ash stabilized earth blocks are promising only when laboratory strength gains are tied to water-resistance testing and moisture-conscious architectural detailing.