Abuja, Oyo, 7 other states with high cost of living in 2026

Living costs across Nigeria continued to weigh heavily on households in January 2026, despite a slight drop in the national inflation rate.

While the country’s overall inflation eased to 15.10 per cent, many families are still struggling to cope with rising prices of food, transportation, housing, electricity and other everyday needs.

For millions of Nigerians, the reduction at the national level has not yet translated into real relief at the market, as prices of essential goods remain high.

The latest Consumer Price Index report released by the National Bureau of Statistics shows clear differences in the cost of living across the federation.

Some states recorded inflation rates far above the national average, reflecting stronger local price pressures.

These increases have affected both urban and rural communities, reducing purchasing power and forcing households to adjust their spending patterns.

Below are the ten most expensive states to live in as of January 2026

1. Benue – 22.5%

Benue tops the list with highest inflation rate in the country at 22.5 per cent. Prices of goods and services rose sharply compared to the same period last year.

Food inflation, especially for staples such as yam, rice and tomatoes, played a major role. Increased transport fares and market charges also added to the burden, leaving many families with tighter budgets.

2. Kogi – 21.0%

Kogi followed with an inflation rate of 21.0 per cent. Rising food prices, higher transportation costs and increased demand for rental housing have pushed up living expenses.

In commercial areas like Lokoja, businesses have passed higher operating costs to consumers, worsening the situation for residents.

3. Abuja – 19.2%

The Federal Capital Territory recorded 19.2 per cent inflation, highlighting the persistent high cost of living in Abuja.

Housing remains a key driver, with rent and related property services increasing significantly.

Food and transportation costs are also relatively high, making daily life expensive for residents and commuters from neighbouring states.

4. Adamawa – 19.2%

Adamawa posted the same inflation rate as the FCT. Rising food prices, especially for grains and protein sources, have significantly affected households.

Increased logistics and transport costs have also pushed up prices in markets across the state.

5. Yobe – 19.1%

Yobe recorded 19.1 per cent inflation. The cost of food, housing and transportation has risen steadily.

Residents have reported higher fuel-related charges and increased prices for fresh produce in local markets.

6. Osun – 18.1%

Osun’s inflation rate stood at 18.1 per cent, above the national average. Higher food prices and electricity costs have placed pressure on households, particularly in Osogbo and Ile-Ife.

Transport fares have increased, while traders have adjusted prices to reflect higher supply costs.

7. Nasarawa – 17.3%

Nasarawa recorded 17.3 per cent inflation. Its proximity to Abuja appears to influence price movements, as changes in the capital often affect nearby markets.

Rising costs of food, transport and general goods have made life more difficult for many residents.

8. Oyo – 16.9%

Oyo posted 16.9 per cent inflation. In Ibadan and other towns, residents are facing higher food prices, increased fuel costs and more expensive transportation.

As a major economic hub in the South-West, regional trade activities may also be contributing to price pressures.

9. Niger – 16.9%

Niger State also recorded 16.9 per cent. The prices of essentials such as food, housing and transportation have increased, affecting both rural and urban communities.

Higher utility costs and rising prices of grains and vegetables have reduced overall affordability.