diff --git a/lib/util.py b/lib/util.py
index 44aef228..5bead672 100644
--- a/lib/util.py
+++ b/lib/util.py
@@ -243,7 +243,7 @@ def get_headers_path(config):
         return os.path.join(config.path, 'blockchain_headers')
 
 def user_dir():
-    if "HOME" in os.environ:
+    if os.name == 'posix':
         return os.path.join(os.environ["HOME"], ".electrum")
     elif "APPDATA" in os.environ:
         return os.path.join(os.environ["APPDATA"], "Electrum")