Life in Nigeria is not easy, and most people do not need statistics to know that. Ask anyone where life still feels affordable, and you are more likely to get a tired laugh than a clear answer, because for many Nigerians, the rising cost of living feels the same everywhere. Prices have climbed sharply over the past year, and the strain shows in food markets, transport fares, rent, and even the smallest daily expenses.

Yet, despite the pressure, there are still a few states where the pace of price increases is slower than the national trend. Recent data from the National Bureau of Statistics, along with affordability rankings from Nairametrics and Nigerian CEO Magazine, offer a clearer picture of the places where money stretches a little further.

These assessments rely on headline and food inflation, the two measures that shape what households spend week after week. Based on the most recent publicly available data from May to September 2025, five states emerge as the cheapest places to live in Nigeria right now.

Zamfara, the most affordable state overall

Zamfara continues to sit comfortably at the top of the affordability rankings. Nairametrics listed it as the cheapest state to live in as of August 2025, with headline inflation hovering around 11.8 percent, far below the national average. A figure that low means prices for everyday essentials rise more slowly, giving residents a bit more breathing room.

The state’s strong farming presence also supports food stability. With agricultural activity spread across many communities, staple goods tend to be available at prices that do not jump as aggressively as they do in the South or major urban areas. For anyone trying to stretch a limited income, Zamfara currently offers the best value.

Katsina, strong food production keeps prices down

Katsina benefits heavily from agriculture, and that strength is reflected clearly in its affordability. According to the May 2025 ranking by Nigerian CEO Magazine, the state recorded a headline inflation rate of 16.2 percent, while food inflation stood at just 6.9 percent, one of the lowest in the country.

Food remains the biggest financial burden for most households. When food prices are stable, the pressure on families reduces significantly. Katsina’s production of grains, vegetables, and other staples helps slow down the price spikes that have hit other states much harder.

Also Read: Households still struggling despite inflation drop, CPPE warns

Adamawa, lower inflation and a growing local economy

Adamawa is another state that consistently performs well in affordability assessments. Nigerian CEO Magazine reported headline inflation of 18.2 percent as of May 2025, placing it comfortably below many states in the South-West and South-East.

Adamawa’s improving road network and strong agricultural economy help keep transport and food costs steady. Residents feel the impact directly through cheaper market prices for staples like rice, maize, and beans. The local economy may not be booming, but it is steady enough to support a relatively low cost of living.

Sokoto, competitive transport costs and cheaper essentials

Sokoto continues to show up in affordability lists mainly because of its transport costs, which remain lower than in many other parts of the country. Transport is one of the major drivers of inflation everywhere in Nigeria, influencing the cost of everything from farm produce to building materials.

With more stable transport pricing and an active agricultural sector, Sokoto manages to keep the prices of everyday items lower than neighbouring states. For households, this means less pressure on monthly budgets and more predictable spending on essentials.

Ondo, one of the most affordable states in southern Nigeria

Ondo is the unexpected name on the list, especially because many southern states struggle with higher living costs. Yet, Ondo continues to stand out as a more affordable option. It recorded headline inflation of 18.9 percent in May 2025, according to Nairametrics, making it one of the cheapest states in the South.

The state benefits from a strong farming base, cassava, cocoa, and vegetables, as well as moderate transport costs and easily accessible markets. These factors help prevent the kind of price surges seen in Lagos, Rivers, or Delta, making Ondo one of the more livable states below the Niger.

A few things to keep in mind

Affordability does not always translate to comfort or higher income. While some of these states may appear cheaper based on inflation and food prices, chronic insecurity profoundly disrupts the quality of life, creating precarious and challenging living conditions. 

The perceived affordability often reflects a fragile economic environment rather than a desirable cost of living. The situation creates a vicious cycle where violence, displacement, and a breakdown of public services undermine any apparent financial advantage.

As a result, these states are cheaper mainly because prices rise more slowly, not because wages are higher or infrastructure is stronger. 

Also, inflation data is updated monthly, so these rankings can shift before the end of the year. Still, based on the latest figures and cost-of-living patterns, these five states remain the cheapest places to live in Nigeria in 2025.

Meiza Nigeria