Looking for the cheapest states to live in Nigeria in 2025? Whether you’re a student, retiree, or professional seeking budget-friendly living in Nigeria, this updated guide will help you discover the most affordable states to settle down in 2025.
As Nigeria continues its path toward economic recovery in 2025, identifying affordable states to live in has become crucial for students, families, retirees, and low-income earners. With food inflation easing and the cost of living varying across regions, some states now offer significantly lower daily expenses, cheap housing, and affordable transportation.
While major cities like Lagos, Abuja, and Port Harcourt remain expensive, these low-cost states in Nigeria stand out for their affordability, quality of life, and access to basic amenities.
Benue State remains one of the cheapest states to live in Nigeria, offering a perfect mix of affordability, food security, and housing stability. Known as the Food Basket of the Nation, Benue remains the most affordable state in Nigeria in 2025. Its abundant local produce keeps food prices low, while rent, transportation, and healthcare costs are among the cheapest in the country. This makes Benue ideal for those seeking a budget-friendly lifestyle in Nigeria.
2. Katsina State
Katsina’s strong agricultural base ensures cheap, nutritious food. Housing is highly affordable, and public transportation is pocket-friendly. Katsina is great for students, retirees, and families looking to cut down living expenses. Whether you’re a student, young professional, retiree, or someone seeking to reduce expenses, choosing from the cheapest states to live in Nigeria can drastically improve your quality of life without breaking the bank.
Sokoto combines low inflation, cheap rent, and affordable utilities. It consistently ranks among the top low-cost places to live in Nigeria thanks to its agricultural economy and stable local market.
4. Zamfara State
Zamfara offers a cost-effective lifestyle for individuals and families. Food, housing, and healthcare are affordable, making it a top pick among cheapest Nigerian states for relocation.
5. Kaduna State
Kaduna balances affordability with good infrastructure. With its central location and access to basic services, it’s one of the best affordable cities in Nigeria for career growth and family life. Whether you’re planning to relocate for work, education, or retirement, moving to the cheapest states to live in Nigeria allows you to stretch your income further and live comfortably.
6. Niger State
Niger State consistently ranks among the cheapest states to live in Nigeria due to its low cost of housing, utilities, and everyday essentials. The state’s vast landmass and strong agricultural base make fresh food items both abundant and affordable, especially in areas like Minna, Bida, and Suleja.
Rent is among the lowest in the country, and utility bills—such as electricity and water—are modest, even in urban areas. The state’s relatively calm environment and low congestion make it a peaceful place for individuals seeking an escape from the high cost and fast pace of bigger cities.
For low-income earners, civil servants, students, and young professionals, Niger offers a financially stress-free lifestyle. Its proximity to Abuja also makes it an attractive option for people who work in the capital but want to live in a more affordable area.
Bonus Tip: Towns like Suleja serve as excellent commuter towns for those working in Abuja but looking to cut down on living expenses.
This state is known for cheap rent, low utility bills, and readily available food items. Niger is perfect for low-income earners and young professionals.
7. Kogi State
Thanks to its agricultural surplus and strategic location, Kogi offers low-cost accommodation, inexpensive food, and affordable transport options. If you’re considering relocating to reduce your living costs, the cheapest states to live in Nigeria provide an ideal solution for students, professionals, and retirees alike.
8. Kebbi State
Kebbi benefits from cheap food due to its farming dominance. Housing and basic services also come at lower rates compared to other parts of the country. If you’re seeking a more affordable lifestyle, moving to the cheapest states to live in Nigeria offers great value, especially for those on a tight budget like students or retirees.
9. Kano State
Kano’s extensive markets and urban-rural blend help keep food and transport prices low. It’s ideal for traders and entrepreneurs looking for a low-cost business environment. If you’re a student, retiree, or budget-conscious professional, relocating to one of the cheapest states to live in Nigeria can help you improve your lifestyle while keeping your expenses low.
10. Jigawa State
Jigawa State is one of Nigeria’s best-kept secrets when it comes to low-cost living and simple lifestyles. With a strong local food market driven by smallholder farming, residents enjoy fresh and affordable food year-round. This helps keep the overall cost of living in Jigawa well below the national average.
Rent is extremely affordable, especially in towns like Dutse, Hadejia, and Gumel. Many residents also benefit from minimal transport costs due to the state’s compact settlements and accessible road networks. Jigawa’s calm and traditional way of life appeals to retirees, low-income families, and individuals who prioritize peace and affordability over city buzz.
The state also has one of the lowest Cost of a Healthy Diet (CoHD) in Nigeria, making it ideal for people who want to eat well on a budget.
Ideal For: Those looking for a peaceful environment, basic amenities, and an affordable lifestyle without urban stress.
Jigawa has a strong local food market and minimal rent. It’s a great place for anyone seeking peace, simplicity, and affordability. Relocating to one of the cheapest states to live in Nigeria can help you stretch your budget further, offering a better standard of living without the financial strain.
11. Delta State
Outside major urban areas like Warri or Asaba, Delta provides affordable housing and access to cheap, fresh food. The state also has decent infrastructure and reliable transportation. Living in the cheapest states to live in Nigeria is a smart choice for students, retirees, and anyone looking to cut costs without sacrificing their quality of life.
12. Taraba State
Taraba’s agricultural economy supports a low-cost lifestyle. Despite inflation in other areas, Taraba remains one of the cheapest Nigerian states in 2025. By choosing from the cheapest states to live in Nigeria, you can enjoy a better lifestyle while saving money—perfect for young professionals, families, and those on a budget.
13. Borno State
Despite past security challenges, Borno State is gradually rebuilding and offering more stability in select areas. For those willing to live outside major urban centers, the state provides an opportunity to live affordably in Nigeria. Local communities are heavily involved in farming and small-scale food production, which keeps the cost of basic necessities—especially food—remarkably low.
Rent in less-populated areas is extremely cheap, and many residents rely on affordable public transport or motorcycles for commuting. Basic services such as healthcare and electricity may be limited in some regions, but for individuals or families prioritizing low-cost living in Nigeria, Borno can be a surprisingly practical choice—particularly for agricultural entrepreneurs, retirees, or NGOs operating on a budget.
14. Kwara State
Kwara State stands out as one of the most affordable places to live in Nigeria in 2025, especially for those seeking a blend of low cost and moderate development. The state enjoys stable food prices, thanks to its vibrant local agriculture and easy access to surrounding farming communities.
Ilorin, the state capital, offers relatively low rent compared to cities in the South-West, while also providing access to basic amenities, markets, and educational institutions. Public transportation is affordable, and residents benefit from moderate utility bills.
For students, young professionals, and civil servants, Kwara delivers a cost-effective lifestyle without compromising on essential infrastructure. The state’s calm environment, growing business scene, and supportive community make it one of the best choices for budget-conscious living in Nigeria.
Bonus: Kwara is also a great hub for starting small-scale businesses like food retail, tailoring, and agribusiness—thanks to low startup costs and a welcoming local market.
With stable food prices, accessible markets, and low rent, Kwara offers a great balance for those seeking to live comfortably on a budget.
15. Gombe State
Gombe State, located in the North-East, is gaining attention as one of Nigeria’s hidden gems for affordable living. With its low population density, stable food supply, and expanding infrastructure, Gombe offers one of the cheapest costs of living in Nigeria in 2025.
Local agricultural activity keeps food prices low, especially for staples like grains, vegetables, and tubers. Rent is also highly affordable, particularly outside the central city area, and public transport options such as tricycles and shared taxis make getting around easy and budget-friendly.
The state government has also invested in improving education, healthcare, and road networks, making Gombe a more liveable option for families, students, and retirees. If you’re seeking a quiet, cost-effective place to live or start a small business, Gombe is worth serious consideration.
Did You Know? Gombe is often referred to as the “Jewel in the Savannah” because of its peaceful environment and natural beauty—ideal for low-cost living without stress.
Often overlooked, Gombe boasts affordable rent, cheap local food, and a calm atmosphere—perfect for students and retirees.
Why These States Are So Affordable
These low-cost Nigerian states share several key features:
Strong local agriculture reducing food expenses
Affordable rental markets
Low transportation and utility costs
Less urban congestion and competition for resources
Supportive environments for small businesses and farming
For anyone seeking to reduce living expenses—whether you’re a student, young professional, or retiree—the cheapest states to live in Nigeria offer the ideal setting for affordable living.
Cheapest Nigerian States for a Healthy Diet (2025)
If you’re focused on both saving money and eating healthy, here are the cheapest states to maintain a healthy diet in 2025 based on the Cost of a Healthy Diet (CoHD) from the NBS:
Rank
State
Average CoHD (₦/day)
1
Katsina
₦739
2
Sokoto
₦758
3
Zamfara
₦766
4
Kaduna
₦777
5
Niger
₦810
6
Kogi
₦812
7
Kebbi
₦821
8
Kano
₦821
9
Jigawa
₦826
10
Kwara
₦838
These states allow residents to eat healthy without overspending, making them perfect for low-income households focused on nutritional balance. Whether you’re a student, young worker, or retiree, moving to one of the cheapest states to live in Nigeria can drastically enhance your living standards while helping you save money.
FAQs About the Cheapest States to Live in Nigeria (2025)
Which state is the cheapest state in Nigeria?
The cheapest state in Nigeria is Benue State, known for its low rent, affordable food, and minimal transportation costs.
Where is the cheapest place to live in Nigeria?
The cheapest places to live in Nigeria are Benue State and Delta State. Benue State offers low rent, affordable food, and minimal transportation costs, making it an ideal choice for budget-conscious individuals. Similarly, Delta State provides stable prices, budget-friendly housing, and easy access to fresh, locally grown food, especially in cities like Asaba and Warri. Both states offer a comfortable lifestyle without breaking the bank.
Which state in Nigeria has cheapest food?
Katsina State has the lowest food costs. According to a report by Nairametrics, the average cost of a healthy diet (Cost of a Healthy Diet – CoHD) in Katsina is ₦739 per adult per day.
This affordability is largely due to Katsina’s robust agricultural sector, which ensures a steady supply of locally sourced food, keeping prices competitive. However, it’s important to note that food prices can fluctuate based on factors like seasonality, market demand, and regional economic conditions. Therefore, while Katsina generally offers affordable food options, prices may vary over time.
What determines the cost of living in Nigerian states?
Factors include food prices, rent, public transportation, healthcare, electricity, and overall economic stability.
Is the North generally cheaper than the South?
Yes. Many northern Nigerian states are more affordable due to high agricultural production, lower urbanization, and cheaper rent.
Are these states safe to live in?
Safety varies by location. Always check current security reports before relocating.
Which state offers the best affordability and infrastructure?
Kaduna stands out with a mix of affordability, infrastructure, and accessibility.
Can I start a small business in these states?
Absolutely! These states are ideal for low-capital businesses in agriculture, food services, and local retail.
Whether you’re a student, entrepreneur, young professional, or retiree, the cheapest states to live in Nigeria provide opportunities to cut costs without sacrificing quality of life. From cheap rent and food to peaceful environments and strong communities, these budget-friendly Nigerian states are ideal for anyone looking to relocate or reduce living expenses in 2025.
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