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• Muna Tengi
• 7 Min Read
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Cost Of Living In Cross River State

Introduction

Cross River State, located in the South-South region of Nigeria, is one of the most beautiful and culturally diverse states in the country. Known for its lush landscapes, scenic beaches, rich history, and vibrant festivals, Cross River is a popular destination for tourists, expatriates, and residents alike. The state capital, Calabar, is often referred to as "Canaan City" and is famous for hosting Africa’s biggest street party, the Calabar Carnival, which attracts visitors from all over the world.

Living in Cross River State offers a unique blend of affordability and lifestyle benefits. However, the cost of living can vary greatly depending on factors such as location, personal lifestyle, and economic conditions. This blog post provides an in-depth analysis of the cost of living in Cross River State, covering key aspects such as housing, food, transportation, healthcare, education, and other everyday expenses. Whether you’re considering relocating to Cross River, starting a business, or just curious about life in the state, this guide will help you understand what it costs to live comfortably in this vibrant part of Nigeria.

Housing Costs

Housing is one of the most significant expenses in Cross River State, with costs varying significantly between urban centers like Calabar and smaller towns or rural areas.

1. Renting an Apartment:

   • In Calabar, the state capital and main urban center, the cost of renting a one-bedroom apartment in the city center ranges from ₦200,000 to ₦400,000 per year. Outside the city center, in areas like Akpabuyo and 8 Miles, rent is slightly more affordable, ranging from ₦150,000 to ₦300,000 per year.
   • For a three-bedroom apartment in the city center, rents can go as high as ₦500,000 to ₦1,200,000 per year, depending on the location, facilities, and proximity to amenities. In less central areas, a similar apartment might cost between ₦400,000 and ₦800,000 annually.

2. Buying a House:

   • Purchasing a house in Cross River State varies by location and property type. In Calabar, the price of a standard three-bedroom house can range from ₦15 million to ₦40 million, depending on the area, design, and quality of construction.
   • In smaller towns like Ikom and Ogoja, the cost of buying property is significantly lower, with prices for similar properties ranging from ₦8 million to ₦20 million.

3. Utilities:

   • Utility bills, including electricity, water, and waste disposal, are additional costs that add to the overall housing expenses. Monthly electricity bills typically range from ₦5,000 to ₦15,000, although costs can be higher if you rely on a generator due to inconsistent power supply.
   • Water supply in Calabar is generally adequate, but some households may need to rely on private boreholes or water vendors, which can add ₦2,000 to ₦5,000 monthly to their expenses.

Food and Groceries

The cost of food in Cross River State is relatively moderate, particularly if you shop at local markets where fresh produce is abundant due to the state’s strong agricultural sector.

1. Local Markets:

   • Cross River’s markets, such as Watt Market in Calabar and Ikom Main Market, offer a variety of fresh vegetables, fruits, seafood, and meats at competitive prices. A kilogram of rice costs between ₦700 and ₦1,000, while a kilogram of beans is about ₦600 to ₦800.
   • Fresh fish and seafood are popular and affordable due to the state’s proximity to rivers and the Atlantic Ocean. A kilogram of fresh fish costs between ₦1,500 and ₦2,500, while a kilogram of beef is around ₦2,500 to ₦3,000.

2. Supermarkets:

   • Supermarkets like SPAR, Market Square, and other local stores tend to have higher prices compared to open markets, especially for packaged goods, imported products, and specialty items. A loaf of bread costs between ₦800 and ₦1,200, while a carton of milk ranges from ₦1,500 to ₦2,500.

3. Eating Out:

   • Eating out is affordable in Cross River State, with local restaurants offering meals at prices ranging from ₦500 to ₦1,500. Calabar’s famous street food, such as Afang soup, Edikang Ikong, and Ekpang Nkukwo, is delicious and reasonably priced.
   • Dining at mid-range or upscale restaurants, especially those in the Marina Resort area or along Marian Road, can cost between ₦3,000 and ₦10,000 per person, depending on the menu and setting.

Transportation Costs

Transportation in Cross River State is relatively accessible, with various options including buses, taxis, motorcycles, and private vehicles. The cost of transportation is influenced by the type of transport used and fuel prices.

1. Public Transportation:

   • Public transportation in Cross River primarily involves minibuses, taxis, and tricycles (Keke NAPEP). A typical minibus ride within Calabar costs between ₦100 and ₦300, while tricycle fares range from ₦50 to ₦150 depending on the distance.
   • Taxis are slightly more expensive, with fares ranging from ₦200 to ₦500 for trips within the city.

2. Private Transportation:

   • Owning a car adds significant transportation costs, with fuel prices averaging around ₦620 per liter. Monthly fuel expenses can range from ₦30,000 to ₦60,000, depending on driving habits.
   • Maintenance and repairs, including routine services like oil changes and tire replacements, typically add another ₦10,000 to ₦20,000 monthly.

Healthcare Costs

Healthcare is an essential part of the cost of living, and Cross River State offers both public and private healthcare facilities.

1. Public Healthcare:

   • Public hospitals in Cross River, such as the University of Calabar Teaching Hospital, provide basic healthcare services at relatively low costs. Consultation fees at public hospitals range from ₦500 to ₦1,500, but service quality can be inconsistent due to limited resources and long waiting times.

2. Private Healthcare:

   • Private clinics and hospitals offer better service and shorter waiting times, but at higher costs. A consultation at a private hospital can range from ₦5,000 to ₦10,000, while specialized care or surgeries can be significantly more expensive.
   • Many residents prefer private healthcare facilities because of their better facilities, availability of modern equipment, and a generally higher standard of care.

3. Pharmaceuticals:

   • The cost of medications in Cross River varies depending on whether the drugs are locally produced or imported. Essential medications like pain relievers, antibiotics, and antimalarials typically cost between ₦1,000 and ₦5,000 depending on the brand.

Education Costs

Education is highly valued in Cross River State, and costs vary between public and private institutions.

1. Primary and Secondary Education:

   • Public schools are generally affordable, with nominal fees supplemented by government subsidies. However, parents may still need to pay for school uniforms, books, and other fees, which can add up to ₦20,000 per term.
   • Private schools offer a higher quality of education and better facilities, but at a premium. Tuition fees for private primary schools range from ₦50,000 to ₦150,000 per term, while secondary school fees can range from ₦100,000 to ₦250,000 per term.

2. Higher Education:

   • Cross River is home to several higher education institutions, including the University of Calabar and Cross River State University of Technology. Public university tuition fees range from ₦50,000 to ₦150,000 per year.
   • Private universities and specialized colleges are more expensive, with fees ranging from ₦300,000 to ₦1,000,000 per year depending on the course of study.

Other Living Expenses

1. Clothing and Personal Care:

   • Clothing costs can vary significantly depending on whether you shop in local markets or branded stores. A set of traditional attire costs between ₦5,000 and ₦15,000, while imported clothes from boutiques or branded stores can be more expensive.
   • Personal care items, including toiletries, cosmetics, and grooming services, can add up to ₦5,000 to ₦10,000 monthly.

2. Entertainment and Leisure:

   • Cross River offers a variety of entertainment options, from the scenic Marina Resort to cultural events like the Calabar Carnival. A movie ticket costs between ₦1,000 and ₦2,500, while a visit to local attractions such as the Tinapa Resort or Obudu Mountain Resort may cost more depending on travel and accommodation.
   • Bars, lounges, and nightlife in Calabar are vibrant, with the average cost of a night out ranging from ₦3,000 to ₦10,000 depending on the location and services.

Conclusion

The cost of living in Cross River State is relatively moderate compared to major Nigerian cities like Lagos and Abuja, making it an attractive place for residents seeking a balance between quality of life and affordability. Housing, food, and transportation are the primary components of living expenses, with healthcare and education also playing significant roles.

While Cross River State offers a unique blend of cultural richness, natural beauty, and economic opportunities, the cost of living can vary widely based on location, lifestyle, and individual preferences. Whether you are a resident, a visitor, or considering moving to Cross River, understanding the costs associated with daily life will help you make informed decisions and enjoy all that this beautiful state has to offer.