In a country where inflation continues to bite and economic uncertainty shapes everyday decisions, affordability has become a key factor in choosing where to live.
While bustling cities like Lagos and Abuja may be economic hubs, their high cost of living can be overwhelming for the average Nigerian.
Fortunately, several states offer a much-needed balance of low living costs, security, and opportunities.
Here are the top 10 most affordable states to live in Nigeria in 2025, based on factors like housing, feeding, transportation, and access to essential services.
1. Katsina State
Why It’s Affordable:
Katsina remains one of the cheapest places to live in Nigeria. Rent in major towns like Katsina city is extremely low; two-bedroom apartments can go for as little as ₦60,000 per year.
Foodstuff is also affordable due to its agrarian economy. The state’s relatively calm atmosphere (compared to other North-Western states) has made it a quiet haven for low-budget living.
Bonus: The state is rich in Hausa culture and hospitality, and you’ll rarely go hungry if you’re neighbourly.
2. Osun State
Why It’s Affordable:
Osun, particularly towns like Osogbo and Ilesha, offers a very affordable lifestyle. The cost of rent is modest, with some apartments going for under ₦100,000 annually.
Local markets brim with cheap farm produce from nearby rural areas, keeping food prices low. Transportation via motorcycles and minibuses is also budget-friendly.
Bonus: Osun is one of the few states where tradition, education, and simplicity co-exist peacefully.
3. Bauchi State
Why It’s Affordable:
With vast arable land and a booming agricultural base, Bauchi offers affordable food options and very low rent.
Even in the capital, Bauchi town, you can live on less than ₦30,000 a month comfortably. The cost of electricity, water, and other services is among the lowest in the country.
Bonus: The state’s serene environment and proximity to nature reserves give it a peaceful countryside vibe.
4. Ekiti State
Why It’s Affordable:
Ekiti, a small but culturally rich state, offers low housing costs, especially in areas like Ado-Ekiti and Ikere.
Feeding is budget-friendly, thanks to local farming. Transportation is cheap, and social life is modest, reducing lifestyle pressure.
Bonus: The state’s focus on education means it’s ideal for students and young professionals starting out.
5. Niger State
Why It’s Affordable:
From Minna to Bida and Kontagora, Niger State offers very affordable rent, easy access to fresh food, and low utility bills.
Its proximity to Abuja also makes it a smart choice for those who want a peaceful life while working in the capital.
Bonus: Living in Niger gives you space—literally. It’s Nigeria’s largest state in terms of landmass.
6. Taraba State
Why It’s Affordable:
Known for its scenic landscapes, Taraba is also one of the cheapest places to live in Nigeria. In towns like Jalingo, housing is cheap, and life is laid-back. The agrarian economy ensures food is plentiful and affordable.
Bonus: Taraba is rich in cultural festivals and natural beauty, perfect for those who want tranquillity without paying a premium.
7. Enugu State
Why It’s Affordable:
Enugu combines modern amenities with a lower cost of living than most southeastern states.
Places like Nsukka and parts of Enugu city offer affordable housing and access to cheap locally produced goods. Utility services and transportation are relatively cost-effective.
Bonus: Enugu boasts a mix of urban energy and traditional Igbo values—ideal for both hustlers and homebodies.
8. Kebbi State
Why It’s Affordable:
Kebbi, especially towns like Birnin Kebbi, is surprisingly affordable. The cost of rent, food, and local services is among the lowest in Northern Nigeria.
It’s also one of the few states that actively promote agriculture, making food prices very competitive.
Bonus: Kebbi is home to the famous Argungu Fishing Festival and a deeply welcoming culture.
9. Kwara State
Why It’s Affordable:
Ilorin, the state capital, is a hidden gem. The cost of living is significantly lower than in most Western states.
Students, civil servants, and artisans alike enjoy budget-friendly housing, low transportation fees, and vibrant local markets.
Bonus: Kwara’s position as a North-South link makes it culturally diverse and welcoming.
10. Benue State
Why It’s Affordable:
As Nigeria’s food basket, Benue offers abundant and cheap food, from yams to oranges and everything in between.
Towns like Makurdi and Otukpo boast very low rents. The relaxed lifestyle also means people tend to spend less on entertainment and luxury.
Bonus: If you’re a lover of natural fruits and vegetables, Benue is paradise.
Conclusion
Affordability doesn’t have to mean sacrifice. These states prove you can enjoy a decent quality of life, access to fresh food, and a safe shelter without draining your wallet.
Whether you’re a student, entrepreneur, retiree, or just someone seeking a reset, these affordable Nigerian states in 2025 offer the best bang for your buck.