Top 10 most affordable states to live in Nigeria in 2026 (full list)

As the rising cost of living continues to influence household decisions across Nigeria, where you live can significantly determine how far your income goes.

One of the most reliable ways to measure affordability is through headline inflation, which reflects the overall increase in the prices of goods and services — including food, transport, housing, healthcare, and other daily expenses. Complementing this is food inflation, a crucial indicator in Nigeria where food accounts for a large share of household spending.

According to the latest subnational data from the National Bureau of Statistics, states with lower inflation rates tend to offer a more stable and affordable cost of living.

Based on early 2026 figures, here are the 10 most affordable states in Nigeria:

10. Gombe State

• Headline Inflation: 13.74%
• Food Inflation: 8.8%

Gombe State ranks among the more affordable northern states, with relatively slower increases in food and essential costs. While inflation remains present, residents are less exposed to extreme price shocks compared to many other regions.

9. Delta State

• Headline Inflation: 13.58%
• Food Inflation: 6.6%

Despite its commercial vibrancy, Delta State maintains a relatively stable cost environment. Moderating food prices have helped cushion households from the worst inflationary pressures seen in other southern states.

8. Ondo State

• Headline Inflation: 13.20%
• Food Inflation: 5.5%

Ondo State stands out for its controlled rise in food prices. With food being a major expense for most families, this slower increase makes the state an appealing option for cost-conscious residents.

7. Ogun State

• Headline Inflation: 12.86%
• Food Inflation: 7.9%

Bordering Lagos, Ogun State offers a strategic balance — access to economic opportunities with relatively lower living costs. Its moderate inflation levels make it attractive for commuters and families.

6. Abia State

• Headline Inflation: 11.67%
• Food Inflation: 3.2%

Abia State distinguishes itself with exceptionally low food inflation. This significantly reduces household spending pressure, making it one of the most cost-friendly states.

5. Kaduna State

• Headline Inflation: 11.41%
• Food Inflation: 5.1%

Kaduna State offers a balanced inflation profile, with both food and non-food prices rising at a slower pace. This stability allows residents to better plan and manage expenses.

4. Enugu State

• Headline Inflation: 11.04%
• Food Inflation: 5.8%

In the Southeast, Enugu State stands out for relatively mild price increases. Lower inflation in key areas like food and services helps households cope more effectively.

3. Imo State

• Headline Inflation: 10.61%
• Food Inflation: 3.7%

Imo State offers strong affordability, driven largely by low food inflation. This makes everyday living costs more manageable for families and individuals alike.

2. Katsina State

• Headline Inflation: 8.94%
• Food Inflation: 5.8%

Katsina State is among the least inflation-hit states nationwide. Lower overall price increases mean residents face less financial pressure compared to the national average.

1. Ebonyi State

• Headline Inflation: 8.72%
• Food Inflation: 1.7%

Topping the list is Ebonyi State, which offers the most affordable living conditions in Nigeria. Its extremely low food inflation — the lowest on this list — significantly reduces the cost burden on households.

Key Insight: Why Inflation Matters for Your Cost of Living

In practical terms, lower inflation means:

• Slower increases in food prices
• More stable transport and housing costs
• Better ability to plan household budgets

For many Nigerians, especially in a challenging economic climate, choosing a state with lower inflation can make a substantial difference in overall quality of life.