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

Monthly Cost of Living

A single person spends $528 per month in Jos vs $630 in Oyo, rent included.

A couple spends around $1,094 per month in Jos vs $1,163 in Oyo, rent included.

A family of three spends $1,660 per month in Jos vs $1,695 in Oyo, rent included.

Jos is about 16% cheaper than Oyo, driven mainly by Groceries & Markets.

Both Jos and Oyo are more affordable than the global median – Jos 62% lower, Oyo 54% lower.

Meal at Budget Restaurant

$2.14 ₦2,835

$3.79 ₦5,016

-43.54%

Three-Course Dinner for Two, Mid-Range

$29.30 ₦38.8K

$50.8 ₦67.3K

-42.29%

Fast Food Meal (McDonalds, etc)

$4.60 ₦6,094

$7.56 ₦10.0K

-39.15%

Cappuccino

$3.40 ₦4,508

$2.85 ₦3,774

19.30%

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

$0.55 ₦730

$0.45 ₦596

22.22%

Water (0.33 liter bottle)

$0.70 ₦928

$0.10 ₦134

600.00%

Local Beer (0.5 liter draught)

$1.07 ₦1,421

$0.38 ₦507

181.58%

Imported Beer (0.33 liter bottle)

$2.10 ₦2,779

$0.54 ₦710

288.89%

Milk (1 liter)

$3.63 ₦4,811

$3.16 ₦4,190

14.87%

White Bread (500g)

$0.85 ₦1,128

$0.51 ₦673

66.67%

Rice (white) (1kg)

$2.25 ₦2,979

$0.91 ₦1,209

147.25%

Eggs

$1.86 ₦2,461

$2.25 ₦2,976

-17.33%

Local Cheese (1kg)

$9.99 ₦13.2K

$3.50 ₦4,643

185.43%

Chicken Fillets (1kg)

$5.12 ₦6,780

$3.79 ₦5,020

35.09%

Beef Round Steak (1kg)

$4.02 ₦5,324

$4.46 ₦5,913

-9.87%

Apples (1kg)

$1.98 ₦2,622

$1.69 ₦2,235

17.16%

Banana (1kg)

$1.49 ₦1,975

$1.29 ₦1,705

15.50%

Oranges (1kg)

$1.53 ₦2,026

$1.13 ₦1,495

35.40%

Tomato (1kg)

$2.29 ₦3,028

$1.26 ₦1,676

81.75%

Potato (1kg)

$1.80 ₦2,381

$1.30 ₦1,727

38.46%

Onion (1kg)

$2.43 ₦3,222

$1.31 ₦1,743

85.50%

Lettuce (1 head)

$0.58 ₦769

$0.88 ₦1,169

-34.09%

Water (1.5 liter bottle)

$0.37 ₦488

$0.29 ₦382

27.59%

Cigarettes 20 Pack (Marlboro, Camel)

$2.04 ₦2,697

$0.59 ₦777

245.76%

Wine (Bottle)

$5.77 ₦7,642

$2.55 ₦3,383

126.27%

Local Beer (0.5 liter bottle)

$1.23 ₦1,632

$0.38 ₦506

223.68%

Imported Beer (0.33 liter bottle)

$1.79 ₦2,378

$0.47 ₦618

280.85%

One-way Ticket (Public Transport)

$0.38 ₦509

Public Transport Monthly Pass (Regular Price)

$15.06 ₦20.0K

Taxi Start (Normal Tariff)

$0.58 ₦774

$0.70 ₦926

-17.14%

Taxi (Normal Tariff) (1km)

$0.80 ₦1,054

$0.96 ₦1,267

-16.67%

Taxi 1hour Waiting (Normal Tariff)

$1.83 ₦2,427

$2.22 ₦2,946

-17.57%

Gasoline (1 liter)

$0.58 ₦768

$0.89 ₦1,182

-34.83%

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

$26.5K ₦35.1M

$11.3K ₦14.9M

134.76%

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

$18.3K ₦24.3M

$13.5K ₦17.8M

36.13%

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

$101 ₦134.5K

$14.73 ₦19.5K

588.93%

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

$6.36 ₦8,428

$15.95 ₦21.1K

-60.13%

Internet (50+ Mbps, Unlimited Data)

$28.56 ₦37.9K

$32.53 ₦43.1K

-12.20%

Gym Membership (Monthly)

$39.25 ₦52.0K

$14.78 ₦19.6K

165.56%

Tennis Court (1 Hour on Weekend)

$12.21 ₦16.2K

$4.63 ₦6,136

163.71%

Cinema Ticket

$4.92 ₦6,523

$4.77 ₦6,326

3.14%

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

$44.31 ₦58.7K

$675 ₦895.2K

-93.44%

International Primary School, 1 Child (Yearly)

$1,017 ₦1.3M

$20.1K ₦26.6M

-94.94%

Jeans (Levis 501 Or Similar)

$9.88 ₦13.1K

$5.86 ₦7,764

68.60%

Summer Dress (H&M, Zara, etc)

$15.03 ₦19.9K

$18.04 ₦23.9K

-16.69%

Sport Shoes (Adidas, Nike)

$50.9 ₦67.4K

$15.15 ₦20.1K

235.91%

Men's Leather Business Shoes

$49.03 ₦65.0K

$10.66 ₦14.1K

359.94%

1-bedroom Apartment, City Center (Monthly)

$438 ₦580.9K

1-bedroom Apartment, Outside City Center (Monthly)

$256 ₦339.6K

3-bedroom Apartment, City Center (Monthly)

$549 ₦727.6K

$1,118 ₦1.5M

-50.89%

3-bedroom Apartment, Outside City Center (Monthly)

$488 ₦646.9K

$679 ₦900.2K

-28.14%

Buy Apartment in City Center (m2)

$2,040 ₦2.7M

$761 ₦1.0M

168.18%

Buy Apartment Outside City Center (m2)

$1,481 ₦2.0M

$190 ₦251.2K

681.53%

Average Monthly Net Salary (After Tax)

$100 ₦132.6K

$33.54 ₦44.4K

198.33%

20-Year Fixed Mortgage Interest Rate (Annual %)

22.5

125.00%

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

Last update for Jos: September 5, 2026

Last update for Oyo: September 5, 2026

Cost Breakdown

Salaries run about 198% higher in Jos, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $29.00 in Jos versus $51.0 in Oyo. Groceries tell a different story – $203 in Jos vs $141 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: $528 in Jos, $630 in Oyo – roughly 19% apart. Oyo costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $792 per month in Jos and $945 in Oyo. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A mid-range dinner for two costs $29.00 in Jos and $51.0 in Oyo. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 45% cheaper in Oyo – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

$1,200 covers both cities comfortably – all-in costs are $528 in Jos and $630 in Oyo, leaving budget for savings and extras in both cases.

Families tend to lean toward Jos – 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 Jos. If higher salaries, better infrastructure, or specific career opportunities are the priority, Oyo makes more sense. Both are solid long-term options with distinct trade-offs.