Background: Despite free maternal health services and increasing antenatal care attendance, home deliveries remain common in rural Zambia. This study explores the determinants of home deliveries among post-natal mothers in Kazungula District. Methods: A cross-sectional survey was conducted with 44 post-natal mothers who delivered at home in 2022 within Kazungula District Hospital’s catchment area. Structured interviews were used to collect data on socio-economic factors, cultural beliefs, attitudes toward facility delivery, and maternal knowledge. Descriptive statistics were analyzed using SPSS v24. Results: Key contributors to home deliveries included distance to health facility (45.5%), lack of transport funds (22.7%), short labor intervals (34.1%), and preference for traditional birth attendants (25%). Additionally, 62.5% of mothers lacked awareness of birth complications, and 65.9% expressed negative attitudes toward facility delivery. While 81.8% stated they would prefer facility births, structural, economic, and cultural barriers impacted actual behavior. Conclusion: Persistent home deliveries in Kazungula District are primarily driven by socio-economic barriers, cultural beliefs, and maternal knowledge gaps. Addressing these factors through targeted health education, community sensitization, and transportation support is essential.