Cost of Living Comparison Between Jos and Oyo Cost of Living Comparison Between Jos and Oyo

Monthly Cost of Living

A single person spends $985 per month in Jos vs $709 in Oyo, rent included.

A couple spends around $1,371 per month in Jos vs $1,278 in Oyo, rent included.

A family of three spends $1,757 per month in Jos vs $1,848 in Oyo, rent included.

Jos costs about 39% more than Oyo, driven mainly by Groceries & Markets.

Both Jos and Oyo are more affordable than the global median – Jos 26% lower, Oyo 47% lower.

Meal at Budget Restaurant

$1.32 ₦1,787

$2.56 ₦3,475

-48.44%

Three-Course Dinner for Two, Mid-Range

$14.17 ₦19.3K

$50.4 ₦68.5K

-71.89%

Fast Food Meal (McDonalds, etc)

$4.76 ₦6,470

$5.45 ₦7,402

-12.66%

Cappuccino

$2.33 ₦3,169

$2.10 ₦2,857

10.95%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$0.35 ₦473

$0.33 ₦452

6.06%

Water (0.33 liter bottle)

$0.23 ₦311

$0.22 ₦299

4.55%

Local Beer (0.5 liter draught)

$0.69 ₦942

$0.78 ₦1,060

-11.54%

Imported Beer (0.33 liter bottle)

$1.39 ₦1,889

Milk (1 liter)

$3.60 ₦4,887

$2.33 ₦3,165

54.51%

White Bread (500g)

$0.92 ₦1,252

$1.23 ₦1,677

-25.20%

Rice (white) (1kg)

$3.27 ₦4,440

$2.34 ₦3,180

39.74%

Eggs

$2.97 ₦4,029

$1.76 ₦2,396

68.75%

Local Cheese (1kg)

$10.12 ₦13.7K

$6.09 ₦8,268

66.17%

Chicken Fillets (1kg)

$4.92 ₦6,680

$4.13 ₦5,614

19.13%

Beef Round Steak (1kg)

$4.55 ₦6,186

$5.50 ₦7,467

-17.27%

Apples (1kg)

$4.12 ₦5,594

$3.54 ₦4,806

16.38%

Banana (1kg)

$5.14 ₦6,982

$2.11 ₦2,871

143.60%

Oranges (1kg)

$2.69 ₦3,648

$2.17 ₦2,951

23.96%

Tomato (1kg)

$4.03 ₦5,479

$2.33 ₦3,160

72.96%

Potato (1kg)

$2.28 ₦3,097

$2.28 ₦3,098

Onion (1kg)

$1.94 ₦2,638

Lettuce (1 head)

$0.61 ₦822

$1.99 ₦2,707

-69.35%

Water (1.5 liter bottle)

$0.71 ₦966

$0.39 ₦524

82.05%

Cigarettes 20 Pack (Marlboro, Camel)

$1.31 ₦1,782

Wine (Bottle)

$2.51 ₦3,413

Local Beer (0.5 liter bottle)

$0.75 ₦1,021

$0.63 ₦853

19.05%

Imported Beer (0.33 liter bottle)

$0.89 ₦1,211

One-way Ticket (Public Transport)

$0.37 ₦508

Public Transport Monthly Pass (Regular Price)

$14.20 ₦19.3K

Taxi Start (Normal Tariff)

$1.01 ₦1,377

$1.24 ₦1,688

-18.55%

Taxi (Normal Tariff) (1km)

$2.15 ₦2,924

Taxi 1hour Waiting (Normal Tariff)

$10.18 ₦13.8K

$4.82 ₦6,549

111.20%

Gasoline (1 liter)

$0.94 ₦1,280

$0.73 ₦989

28.77%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$20.3K ₦27.6M

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$20.9K ₦28.3M

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$100 ₦136.3K

$41.42 ₦56.3K

142.32%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$10.05 ₦13.7K

$10.00 ₦13.6K

0.50%

Internet (50+ Mbps, Unlimited Data)

$34.85 ₦47.3K

Gym Membership (Monthly)

$40.07 ₦54.4K

$14.27 ₦19.4K

180.80%

Tennis Court (1 Hour on Weekend)

$12.10 ₦16.4K

$4.56 ₦6,188

165.35%

Cinema Ticket

$9.04 ₦12.3K

$6.31 ₦8,564

43.26%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$82.1 ₦111.5K

International Primary School, 1 Child (Yearly)

$1,018 ₦1.4M

$2,323 ₦3.2M

-56.19%

Jeans (Levis 501 Or Similar)

$9.93 ₦13.5K

$18.87 ₦25.6K

-47.38%

Summer Dress (H&M, Zara, etc)

$15.26 ₦20.7K

$24.48 ₦33.2K

-37.66%

Sport Shoes (Adidas, Nike)

$49.76 ₦67.6K

$48.05 ₦65.3K

3.56%

Men's Leather Business Shoes

$51.0 ₦69.2K

$34.40 ₦46.7K

48.14%

1-bedroom Apartment, City Center (Monthly)

$699 ₦949.8K

$410 ₦557.1K

70.51%

1-bedroom Apartment, Outside City Center (Monthly)

$468 ₦635.5K

$249 ₦337.6K

88.26%

3-bedroom Apartment, City Center (Monthly)

$860 ₦1.2M

$1,085 ₦1.5M

-20.75%

3-bedroom Apartment, Outside City Center (Monthly)

$602 ₦817.8K

$634 ₦860.8K

-4.99%

Buy Apartment in City Center (m2)

$1,980 ₦2.7M

$732 ₦994.0K

170.62%

Buy Apartment Outside City Center (m2)

$1,503 ₦2.0M

$184 ₦249.8K

717.45%

Average Monthly Net Salary (After Tax)

$68.8 ₦93.4K

$33.01 ₦44.8K

108.33%

20-Year Fixed Mortgage Interest Rate (Annual %)

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Jos: June 14, 2026

Last update for Oyo: June 14, 2026

Cost Breakdown

A central one-bedroom costs $699 in Jos versus $410 in Oyo. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 108% higher in Jos, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $14.00 in Jos versus $50.0 in Oyo. Groceries tell a different story – $247 in Jos vs $191 in Oyo – so Oyo wins on supermarket bills even if dining out costs more.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Jos vs Oyo: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $985 in Jos, $709 in Oyo – roughly 39% apart. Jos costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $1,477 per month in Jos and $1,063 in Oyo. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Oyo, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $14.00 in Jos and $50.0 in Oyo. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $985 in Jos and $709 in Oyo. The difference isn't just one category – it shows up across housing, food, transport, and services.

A $1,500 monthly budget goes further in Oyo, where all-in costs run around $709, than in Jos at $985. In Oyo it covers expenses comfortably, while in Jos it requires careful planning or may not stretch far enough.

Families tend to lean toward Oyo – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Oyo. If higher salaries, better infrastructure, or specific career opportunities are the priority, Jos makes more sense. Both are solid long-term options with distinct trade-offs.