Top 10 Affordable Cities to Live or Visit in Nigeria (Where Your Wallet Can Breathe Easy)

Nigeria may be known for its mega-cities and bustling markets, but it also has some incredibly affordable places to live. Whether you’re a local trying to save money or an expat looking for a budget-friendly option, this list of 20 cities offers the perfect blend of cost-effectiveness and comfort. Believe it or not, Abuja and Lagos are among the cheapest cities in Africa for expats, but for Nigerians, cities like Ibadan lead the way in affordability. Let’s get into where you can live comfortably without worrying about rent taking up half your salary

Top 20 Cheapest Cities in Nigeria

1. Ibadan

For Nigerians, Ibadan is hands down the cheapest city to live in. As the largest city by landmass in Nigeria, it has plenty of affordable housing options, cheap transportation, and very reasonable food prices. Whether you’re a student, professional, or retiree, Ibadan won’t drain your wallet.

2. Abuja

Shockingly, Abuja, the nation’s capital, is ranked as the cheapest city in Africa for expats, according to Mercer. Thanks to exchange rates, expats can enjoy the high-end lifestyle of this well-planned, clean city at a relatively low cost. For locals, though, Abuja can still be pricey compared to smaller cities, but it offers peace, security, and opportunities.

3. Lagos

Lagos might sound surprising, but for expats, it’s the second-cheapest city in Africa. While Nigerians living in Lagos might roll their eyes at that, expats benefit from higher wages and favourable exchange rates. Lagos is Nigeria’s economic hub, and if you can steer through the costs, it provides plenty of job opportunities and excitement.

4. Abeokuta

Olumo Rock is not the only notable thing about Abeokuta! The capital of Ogun State offers low-cost living without sacrificing quality. You’ll find cheap rent, affordable food, and a peaceful atmosphere, making it an excellent choice for budget-conscious individuals.

5. Ilorin

The capital of Kwara State, Ilorin, is one of Nigeria’s cleanest cities. It offers low housing costs, cheap transportation, and affordable living expenses overall. It’s a peaceful, serene city that’s perfect for raising a family or simply enjoying life without financial stress.

6. Jos

Jos is a peaceful city with a cool climate, and you won’t need to break the bank to live here. Rent is affordable, food is reasonably priced, and the weather is a nice bonus. Jos is also one of the safest cities in the country, so you get security on a budget.

7. Enugu

Known as the coal city, Enugu offers a blend of affordability and urban life. Rent is cheap, the local food is fantastic, and the cost of living is much lower than in cities like Lagos. Enugu’s peaceful atmosphere and low expenses make it a favourite for those seeking a comfortable yet cost-effective lifestyle.

8. Akure

The capital of Ondo State, Akure is both affordable and peaceful. You won’t spend a fortune on rent, and the cost of food is manageable. It’s an ideal place for anyone looking for a laid-back, low-cost lifestyle.

9. Makurdi

It is known for its agriculture, Makurdi is one of the best cities for affordable living. With low food prices, thanks to abundant farming, and cheap rent, you can live comfortably without feeling the pinch in your wallet.

10. Zaria

A university town in Kaduna State, Zaria is known for its cheap rent and cost of living. Whether you’re a student or just looking for an affordable place to live, Zaria offers a simple lifestyle that won’t break the bank.

11. Minna

The capital of Niger State, Minna is an affordable city with peaceful surroundings. The cost of living is low, rent is cheap, and the city’s calm nature makes it a great place to relax without overspending.

12. Bauchi

Bauchi is your answer if you’re looking for an affordable city with plenty of cultural and historical attractions. It offers cheap rent and living costs, making it ideal for families and singles alike.

13. Kano

One of the largest cities by population, Kano is surprisingly affordable compared to its size. Rent and food prices are relatively low, and the city offers plenty of opportunities for entrepreneurs looking to grow businesses on a budget.

14. Benin City

Benin City in Edo State combines rich history with affordable living. Whether you’re renting or owning property, the city offers reasonable prices for housing and food. It’s a peaceful city that still gives you access to urban amenities without the high costs.

15. Owerri

Owerri, the capital of Imo State, is famous for its hospitality, and that hospitality extends to its affordability. Rent is low, and basic amenities are quite cheap. It’s a lively city with a relatively low cost of living, so you can enjoy life without financial worries.

16. Calabar

It is known as one of the finest cities in Nigeria, Calabar is also an affordable option. Housing, food, and transportation costs are low, making it a great place to live if you want beauty and serenity without high expenses. It is one of the oldest cities in Nigeria.

17. Uyo

The capital of Akwa Ibom State, Uyo, is an affordable city that offers peace and tranquility. Rent and utilities are cheap, and with good roads and infrastructure, Uyo stands out as a budget-friendly place to live.

18. Ado-Ekiti

The capital of Ekiti State, Ado-Ekiti, is a small city with a big heart—and small costs! Housing is affordable, and food prices are low. It’s a quiet city perfect for anyone looking to live a low-cost, simple life away from the craziness of big cities.

19. Sokoto

Sokoto is also very affordable. Rent is low, food is cheap, and the city offers a peaceful environment. If you’re looking for a place to save money while enjoying a serene life, Sokoto is a top pick.

20. Kaduna

Kaduna is an affordable city that offers a mix of culture, history, and low living costs. Rent is reasonable, and you can live comfortably without spending too much. The city is also known for its peaceful atmosphere, making it a great option for families.

Conclusion

Nigeria is full of cities that won’t make you empty your bank account, whether you’re a local or an expat. From Ibadan, the cheapest for Nigerians, to Abuja and Lagos, surprisingly affordable for expats, these 20 cities offer a range of lifestyles that fit your budget. If you’re also curious about the finest cities, safest cities, or even the cleanest cities, these cities give you great alternatives while saving you money.