Are you searching for budget-friendly places to live in Nigeria without compromising on comfort, job opportunities, or lifestyle? With the rising cost of living in major cities like Lagos and Abuja, many Nigerians are now exploring other urban centers that offer affordable housing, lower transportation costs, and a better quality of life.
In this post, we highlight the top 5 most affordable cities to live in Nigeria in 2025 perfect for students, young professionals, families, or retirees looking to make smart financial choices.
1. Ibadan – Oyo State
Why it’s affordable:
Ibadan consistently ranks as one of Nigeria’s cheapest cities to live in. Accommodation costs are significantly lower compared to Lagos or Abuja, and food prices are moderate.
Rent: A self-contained apartment goes for as low as ₦150,000 – ₦300,000 per year.
Transport: Intra-city transport is cheap, with shared taxis and bikes widely available.
Cost of Living: Ibadan has vibrant markets like Bodija and Dugbe where essentials are affordable.
Key point: It’s peaceful, less congested, and boasts several educational institutions and emerging businesses.
2. Ilorin – Kwara State
Why it’s affordable:
Ilorin is a serene city with a mix of traditional and modern life. It’s especially popular among students and civil servants.
Rent: Decent apartments cost ₦120,000 – ₦250,000 per year.Transport: Public transportation is pocket-friendly, and fuel consumption is lower due to less traffic.
Food: Local food is cheap, and markets are well stocked with fresh produce.
Key point: The city’s calm atmosphere and low crime rate make it ideal for families.
3. Akure – Ondo State
Why it’s affordable:
Akure offers a good balance of development and affordability. The city has grown in infrastructure over the years, but the cost of living remains moderate.
Rent: ₦150,000 – ₦300,000 for a mini flat yearly.
Transport: Transport fares are relatively stable and cheaper than in big commercial cities.
Food & Utilities: Local produce is abundant, and electricity supply is fairly reliable compared to some regions.
Key point: Akure is neat, organized, and has a growing tech and education scene.
4. Enugu – Enugu State
Why it’s affordable:
Enugu blends urban living with low living expenses. The city has good road networks, educational institutions, and recreational spots.
Rent: ₦200,000 – ₦400,000 annually for a decent one-bedroom.
Transport: Public buses, taxis and tricycles are cheap and are easily accessible.
Market Prices: Items like garri, yam, and vegetables are relatively inexpensive due to local farming.
Key point: It’s known for its friendly residents and vibrant cultural life.
5. Jos – Plateau State
Why it’s affordable:
Jos is known for its cool climate, natural beauty, and low cost of living.
Rent: Ranges between ₦100,000 – ₦250,000 for a modest apartment.
Transport: Less traffic means cheaper transport and lower fuel costs.
Food: Farm produce is abundant and affordable, especially vegetables and grains.
Key point: It’s a peaceful city with a laid-back lifestyle, perfect for people who value tranquility.
Final Thoughts
Living affordably in Nigeria doesn’t mean compromising your quality of life. Cities like Ibadan, Ilorin, Akure, Enugu, and Jos offer cheaper housing, lower daily expenses, and a friendlier environment than some of the more expensive urban centers.
Before relocating, consider factors like job opportunities, security, and proximity to family or work. With proper planning, you can enjoy comfort and financial stability in any of these cities.
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