Top 10 Cheapest Places to Live in Nigeria in 2026

With inflation on the rise and the cost of living steadily increasing across Nigeria, finding affordable cities and towns to live in has become a priority for many individuals and families. Whether you are a young professional, a student or someone looking to relocate for business or retirement, living in a city with a lower cost of housing, food and transportation can significantly improve your financial stability.

In 2026, certain cities and towns in Nigeria stand out as some of the cheapest places to live without compromising access to basic amenities, education, and healthcare. This guide highlights the top 10 cheapest places to live in Nigeria and why they are budget-friendly options.

1. Lokoja, Kogi State

Lokoja, the capital of Kogi State, is gaining attention for its affordability and strategic location at the confluence of the Niger and Benue rivers. The city offers relatively low housing costs compared to larger cities like Lagos or Abuja. Rent for a one-bedroom apartment in a decent neighborhood can be as low as ₦60,000–₦90,000 per month. Daily necessities, local markets, and transport are also budget-friendly. Lokoja is suitable for individuals seeking a quiet city with moderate urban infrastructure and low living expenses.

2. Makurdi, Benue State

Makurdi, the capital of Benue State, is known for its calm environment, agricultural surroundings, and affordable cost of living. Accommodation in Makurdi is generally inexpensive, with two-bedroom apartments averaging ₦80,000–₦120,000 monthly. The city has accessible local markets for food and goods, and transportation costs remain low. Students and government workers often choose Makurdi for its combination of affordability and availability of educational and healthcare facilities.

3. Owerri, Imo State

Owerri, the capital of Imo State, is another cost-effective option for residents seeking affordable urban living. Known as the “Heartland of the Igbo,” Owerri offers a mix of urban amenities and lower living costs. Rent for one-bedroom apartments ranges from ₦70,000 to ₦120,000 per month. Food, transportation, and utilities are also comparatively cheaper than in Lagos or Abuja. The city has growing commercial activities, making it a suitable option for young professionals and small business owners.

4. Ilorin, Kwara State

Ilorin, the capital of Kwara State, combines historical significance with economic affordability. The city is considered one of Nigeria’s most budget-friendly urban centers. Renting a standard apartment can cost as little as ₦50,000–₦100,000 per month. Public transport and basic commodities are inexpensive, and the city maintains a lower pace of life compared to Nigeria’s megacities. Ilorin’s proximity to major northern and southwestern cities makes it convenient for travel and trade.

5. Uyo, Akwa Ibom State

Uyo, the capital of Akwa Ibom State, has emerged as an affordable city for living due to its reasonable housing market and accessible infrastructure. Rent for apartments ranges from ₦80,000 to ₦150,000 depending on location and facilities. The cost of food and transport remains low, and the city offers modern amenities including hospitals, schools, and shopping centers. Uyo’s calm environment and low congestion make it an attractive option for families and retirees.

6. Enugu, Enugu State

Enugu, the “Coal City,” is widely recognized for its balance between urban development and cost-effectiveness. While Enugu is growing in commercial significance, it remains one of the more affordable cities for housing. Rent for a two-bedroom apartment can range between ₦90,000–₦150,000 monthly. Food and transportation costs are reasonable, and the city has accessible healthcare, schools, and recreational options. Enugu is popular among students, young professionals, and expatriates seeking a low-cost lifestyle in southeastern Nigeria.

7. Abeokuta, Ogun State

Abeokuta, the capital of Ogun State, provides affordable living near Nigeria’s economic hubs like Lagos and Ibadan. Although it is relatively close to Lagos, rent remains significantly cheaper, averaging ₦80,000–₦140,000 for one or two-bedroom apartments. Local markets provide low-cost groceries and household items, while public transport is convenient and inexpensive. Abeokuta’s historical significance and peaceful environment make it an appealing choice for families and professionals.

8. Jos, Plateau State

Jos, the capital of Plateau State, is famous for its cool climate, scenic views, and affordable urban living. The city offers reasonably priced housing, with apartments ranging from ₦60,000–₦130,000 monthly depending on location. Food and basic services are budget-friendly, and the city’s moderate size ensures less congestion and lower transport costs. Jos also has reputable schools, hospitals, and recreational options, making it suitable for families and retirees alike.

9. Bauchi, Bauchi State

Bauchi, the capital of Bauchi State, is one of northern Nigeria’s most cost-effective cities. Rent is low, with apartments averaging ₦50,000–₦100,000 per month, and daily expenses such as food, transport, and utilities are affordable. The city is less congested compared to larger northern cities like Kano or Kaduna. Bauchi’s low cost of living combined with its peaceful environment makes it an attractive destination for government workers, small business owners, and students.

10. Sokoto, Sokoto State

Sokoto, located in northwestern Nigeria, is known for its affordability and cultural significance. The cost of living in Sokoto is among the lowest in Nigeria, with rental prices for apartments ranging from ₦40,000–₦90,000 monthly. Transportation, food, and utilities are also inexpensive. Sokoto is ideal for those seeking a simple lifestyle without the high costs of megacities. Its growing local markets and cultural richness add to the appeal for individuals and families looking to relocate on a budget.

Conclusion

Living affordably in Nigeria in 2026 requires careful selection of cities and towns where housing, transportation, and daily expenses are within reach. Cities like Lokoja, Makurdi, and Sokoto offer some of the lowest cost of living, while also providing access to essential amenities such as schools, healthcare, and markets. Whether you are a student, professional, retiree, or small business owner, choosing a city with lower expenses can significantly reduce financial stress, allow for consistent savings, and improve overall quality of life. By prioritizing affordable living without compromising access to basic needs, Nigerians can thrive even amid economic challenges in 2026.