Nigeria is relatively affordable. I’ve learned over time that where you live matters just as much as how much you earn. Some cities quietly offer affordable rent, cheap food, manageable transportation, and a decent quality of life without the pressure and cost of Lagos or Abuja. Here are 10 Best places to live in Nigeria on a budget.
If I were advising a friend (or relocating myself on a tight budget), these are the 10 best places I’d genuinely consider living in Nigeria, especially if affordability is a priority. Also check out some fun places to visit in Nigeria to enjoy Detty December.
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Best Places to live in Nigeria on a budget
Nigeria is one the most affordable places to live in Africa. But we can’t tell what the new policies and taxes will do to the affordability of things in the country. Yet compared to most countries even in west Africa, Nigeria is quite cheap to live.
Even in Lagos state, there affordable places to live in. Any who, let’s talk about the best places to live in Nigeria on a budget.
Ibadan
Ibadan is one of those cities I always describe as quietly affordable. It’s large, functional, and developed without the financial pressure of Lagos. Rent here is one of the biggest advantages. I’ve seen decent self-contained apartments go for prices that wouldn’t even get you a room in Lagos.
What I like most is that Ibadan still has solid infrastructures like good markets, schools, hospitals, and steady transportation. Areas like Oluyole, Bodija (select parts), and Apata offer reasonable housing options if you’re not chasing luxury.
Food is also cheap in Ibadan. I remember buying fresh vegetables for a week at the cost of a single restaurant meal elsewhere. If you want city life without city stress, Ibadan is a smart choice.
Ilorin
Ilorin feels like one of Nigeria’s most underrated cities. Whenever I think of low cost of living, Ilorin always comes to mind. Rent is cheap, food prices are stable, and transportation doesn’t drain your wallet.
The city has a calm pace of life, which I personally find refreshing. You’re not rushing everywhere, and expenses don’t sneak up on you. It’s also a great place for families or remote workers who don’t need constant nightlife. If your priority is saving money while still living comfortably, Ilorin is one of the easiest places to do that.
Akure
Akure strikes a nice balance between affordability and opportunity. I like how the city is developing gradually without inflating costs too quickly. Rent remains manageable, especially in areas outside the government quarters.
Food is cheap, fresh, and plentiful local markets are a major win here. Transportation costs are also low, and most places are relatively close, so you’re not spending excessively on daily movement. For students, civil servants, or anyone starting fresh, Akure is a solid budget-friendly option.
Abeokuta
Abeokuta is one place I’d recommend if you want proximity to Lagos without paying Lagos rent. Many people I know live here and commute or work remotely.
Housing is affordable, especially in areas like Lafenwa and Ibara. The city has good road networks, and food prices are much lower than Lagos.
I also like that Abeokuta feels culturally rich and grounded, and not overly commercialized. If you want peace, affordability, and access to Lagos when necessary, Abeokuta works well.
Osogbo
Osogbo is one of those cities where your money stretches noticeably. Rent is low, food is cheap, and daily expenses are predictable. I like how simple life feels here as there’s less pressure to “keep up appearances.”
It’s a great city for creatives, freelancers, and anyone who wants a slower, more affordable lifestyle. You may not get flashy entertainment options, but you’ll gain financial breathing room.
Lokoja
Lokoja surprised me the first time I seriously considered its cost of living. Rent is low, food is affordable, and the environment is calm. I especially like the natural scenery which makes daily life feel less stressful.
The city is best suited for people who don’t need a fast-paced economy but want peace and affordability. If you’re budget-conscious and value quiet living, Lokoja is worth considering.
Uyo
Uyo stands out for cleanliness and organization, which I personally appreciate. What makes it even better is that living costs remain reasonable compared to many southern cities.
Rent is affordable outside high-end areas, and food prices, especially local dishes, are budget friendly. Transportation is also well-structured, reducing daily stress and expenses. If you want comfort without extravagance, Uyo is a great fit.
Ado-Ekiti
Ado-Ekiti is ideal if your main goal is saving money. Rent is among the lowest I’ve seen, and food is very affordable.
As a plus, life here is straightforward with no unnecessary expenses. It is especially good for students, civil servants, and retirees who want stability without financial pressure.
Minna
Minna offers some of the cheapest living costs in northern Nigeria. Housing is affordable, food is cheap, and transportation costs are minimal.
I’ve noticed that daily life expenses are very predictable, which helps with budgeting. For anyone open to northern Nigeria and looking to reduce expenses significantly, Minna is a practical option.
Ogbomosho
Life here is simple, and I mean that in a good way. If you’re the kind of person who values peace, financial stability, and the ability to save money, Ogbomosho makes a lot of sense. It’s especially ideal for students, remote workers, small business owners, or anyone trying to reset financially.
What I personally like about Ogbomosho is that basic living costs stay low across the board. For example, food is affordable because a lot of it is locally produced. Transportation is also cheap and distances are short.
Which of these best places to live in Nigeria on a budget are you in? Which of these best places to live in Nigeria is on your wish list? Let me know your thoughts in the comments below. New to Nigeria, check out Trip.com for hotels accommodation until you finally decide to settle in. Ciao for now.