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Top 10 Most Expensive Cities In Nigeria To Live In (Cost Of Living 2025)
Nigeria, Africa’s most populous nation, is home to vibrant cities that blend culture, commerce, and modern living. However, with urbanization and development comes the high cost of living, making some cities more expensive than others. Whether you're planning to relocate or simply curious, this list of the top 10 most expensive cities in Nigeria for 2025 provides insights into their cost of living.
1. Lagos – The Economic Hub
Overview:
Lagos remains the most expensive city in Nigeria. Known as the country’s economic powerhouse, Lagos is home to multinational companies, luxury estates, and high-end shopping malls. The city’s population exceeds 20 million, driving demand for housing, transportation, and other essentials.
Cost of Living:
- Housing: Rent for a two-bedroom apartment in upscale areas like Ikoyi or Victoria Island can cost upwards of ₦3,500,000 annually.
- Transportation: The cost of private and public transportation is higher due to traffic congestion and fuel prices.
- Food: Imported goods and dining at premium restaurants further increase expenses.
Lagos is ideal for high-income earners but can be financially draining for those earning below-average incomes.
2. Abuja – The Capital City
Overview:
Abuja, Nigeria’s capital, boasts well-planned infrastructure and luxurious neighborhoods. As the seat of government, it attracts expatriates, diplomats, and high-profile business executives.
Cost of Living:
- Housing: Rent in districts like Maitama or Asokoro can range from ₦2,000,000 to ₦5,000,000 annually.
- Utilities: Electricity, water, and internet bills are notably higher.
- Healthcare and Education: Premium services drive up costs.
Abuja offers a peaceful and secure environment but comes at a hefty price for residents.
3. Port Harcourt – The Oil City
Overview:
Port Harcourt, the heart of Nigeria’s oil industry, attracts professionals in the energy sector. The city’s cost of living is influenced by its expatriate population and industrial activities.
Cost of Living:
- Housing: Rent in areas like Old GRA or Peter Odili Road can cost between ₦1,500,000 and ₦4,000,000 annually.
- Food and Entertainment: Imported products and fine dining options make daily living expensive.
- Security: Private security costs add to household budgets.
4. Kano – Northern Nigeria’s Commercial Hub
Overview:
Kano, one of the oldest cities in West Africa, is a bustling trade center. Its vibrant markets and growing industries contribute to a high cost of living, especially for luxury items.
Cost of Living:
- Housing: Modern apartments in Nassarawa GRA can cost up to ₦1,200,000 annually.
- Transportation: Fuel and vehicle maintenance costs are relatively high.
- Education: International schools charge premium fees.
5. Enugu – The Coal City
Overview:
Enugu, the capital of Enugu State, combines traditional and modern lifestyles. It is known for its serene environment and growing tech and entertainment industries.
Cost of Living:
- Housing: Rent in upscale neighborhoods like Independence Layout ranges from ₦800,000 to ₦1,800,000 annually.
- Utilities: Electricity bills can be high due to irregular supply.
- Food: Imported groceries are expensive compared to local produce.
6. Calabar – The Tourism Capital
Overview:
Calabar is famous for its tourism attractions, including the annual Calabar Carnival. Its serene atmosphere and well-maintained infrastructure attract both tourists and residents, but this also increases living costs.
Cost of Living:
- Housing: Rent for modern apartments in areas like Federal Housing Estate costs around ₦700,000 to ₦1,500,000 annually.
- Food: The cost of fresh seafood and imported goods is high.
- Entertainment: Luxury resorts and recreational facilities add to expenses.
7. Ibadan – The Largest City in West Africa
Overview:
While Ibadan is traditionally considered affordable, certain parts of the city are becoming increasingly expensive due to modernization and an influx of businesses.
Cost of Living:
- Housing: Rent in areas like Bodija or Agodi GRA can reach up to ₦1,000,000 annually.
- Healthcare: Quality medical care is expensive in private hospitals.
- Education: International schools are becoming more common and costly.
8. Warri – The Oil City of Delta State
Overview:
Warri’s proximity to oil facilities makes it a hub for oil and gas professionals. The city’s high living costs are driven by the oil industry.
Cost of Living:
- Housing: Rent in areas like Airport Road ranges from ₦800,000 to ₦3,000,000 annually.
- Food and Utilities: The cost of goods and services is influenced by the expatriate community.
- Security: Many residents invest in private security services.
9. Uyo – The Land of Promise
Overview:
Uyo is rapidly growing as a modern city with excellent infrastructure and a booming real estate market. It is the capital of Akwa Ibom State and known for its luxurious lifestyle.
Cost of Living:
- Housing: Modern apartments in areas like Shelter Afrique cost between ₦800,000 and ₦2,500,000 annually.
- Transportation: Public transport is relatively affordable but private transport costs are higher.
- Food: A mix of affordable local dishes and expensive imported items.
10. Kaduna – A Blend of Tradition and Modernity
Overview:
Kaduna, a major city in Northern Nigeria, balances its historical significance with modern amenities. It attracts residents from different walks of life, which influences its cost of living.
Cost of Living:
- Housing: Rent in areas like Barnawa GRA ranges from ₦600,000 to ₦1,500,000 annually.
- Education: Quality schools demand premium fees.
- Food: Imported groceries and fine dining contribute to high expenses.
Conclusion
Living in Nigeria’s top cities offers opportunities for business and personal growth but comes with significant financial commitments. The cost of living varies across these cities, influenced by factors like housing, transportation, and lifestyle. Before relocating, it’s crucial to evaluate your income and priorities to ensure a comfortable life in these urban hubs. For expatriates and locals alike, balancing earnings and expenses is key to thriving in these dynamic Nigerian cities.
