Last update: Oct 2026

Cost of Living Comparison Between Jos and Oyo

For one person, living is cheaper in Jos: $534 a month against $619 in Oyo, rent and utilities included – about $1,000 less a year. Higher rent and utilities in Oyo outweigh lower spending on other living expenses.

26

Cost of Living Index in Jos
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Jos Living Index
30

Cost of Living Index in Oyo
Learn more

Oyo Living Index

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Jos

🇳🇬 Nigeria

$534

/mo nomad

Oyo

🇳🇬 Nigeria

$619

/mo nomad

Monthly Cost of Living

How much you'll spend in Jos and in Oyo

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Jos and in Oyo actually costs, broken down by who's living it.

A single person spends $534 per month in Jos vs $619 in Oyo, rent included.

Jos $534
Oyo $619

A couple spends around $1,097 per month in Jos vs $1,152 in Oyo, rent included.

Jos $1,097
Oyo $1,152

A family of three spends $1,661 per month in Jos vs $1,685 in Oyo, rent included.

Jos $1,661
Oyo $1,685

Jos is about 14% cheaper than Oyo, and outside of rent the biggest gap is in transport.

Both Jos and Oyo are more affordable than the global median – Jos 61% lower, Oyo 55% lower.

Meal at Budget Restaurant

$2.04 ₦2,729

$3.77 ₦5,055

-45.89%

Three-Course Dinner for Two, Mid-Range

$30.16 ₦40.4K

$50.8 ₦68.1K

-40.63%

Fast Food Meal (McDonalds, etc)

$3.97 ₦5,325

$7.43 ₦9,952

-46.57%

Cappuccino

$3.25 ₦4,357

$2.76 ₦3,697

17.75%

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

$0.43 ₦571

$0.44 ₦585

-2.27%

Water (0.33 liter bottle)

$0.67 ₦896

$0.11 ₦153

509.09%

Local Beer (0.5 liter draught)

$1.02 ₦1,366

$0.36 ₦482

183.33%

Imported Beer (0.33 liter bottle)

$1.98 ₦2,658

$0.53 ₦713

273.58%

Milk (1 liter)

$3.70 ₦4,958

$3.22 ₦4,322

14.91%

White Bread (500g)

$0.87 ₦1,171

$0.55 ₦732

58.18%

Rice (white) (1kg)

$2.19 ₦2,931

$0.92 ₦1,239

138.04%

Eggs

$1.79 ₦2,397

$2.15 ₦2,885

-16.74%

Local Cheese (1kg)

$9.95 ₦13.3K

$3.58 ₦4,795

177.93%

Chicken Fillets (1kg)

$5.02 ₦6,728

$3.97 ₦5,320

26.45%

Beef Round Steak (1kg)

$4.02 ₦5,384

$4.43 ₦5,932

-9.26%

Apples (1kg)

$2.00 ₦2,674

$1.69 ₦2,261

18.34%

Banana (1kg)

$1.45 ₦1,940

$1.31 ₦1,758

10.69%

Oranges (1kg)

$1.51 ₦2,025

$1.08 ₦1,448

39.81%

Tomato (1kg)

$2.27 ₦3,046

$1.48 ₦1,988

53.38%

Potato (1kg)

$1.78 ₦2,390

$1.61 ₦2,158

10.56%

Onion (1kg)

$2.41 ₦3,229

$1.50 ₦2,004

60.67%

Lettuce (1 head)

$0.59 ₦785

$0.82 ₦1,104

-28.05%

Water (1.5 liter bottle)

$0.40 ₦534

$0.31 ₦417

29.03%

Cigarettes 20 Pack (Marlboro, Camel)

$1.95 ₦2,619

$0.58 ₦783

236.21%

Wine (Bottle)

$5.93 ₦7,949

$2.46 ₦3,295

141.06%

Local Beer (0.5 liter bottle)

$1.20 ₦1,605

$0.36 ₦481

233.33%

Imported Beer (0.33 liter bottle)

$1.77 ₦2,371

$0.46 ₦620

284.78%

One-way Ticket (Public Transport)

$0.36 ₦482

Public Transport Monthly Pass (Regular Price)

$14.82 ₦19.9K

Taxi Start (Normal Tariff)

$0.58 ₦780

$0.65 ₦878

-10.77%

Taxi (Normal Tariff) (1km)

$0.87 ₦1,166

$0.90 ₦1,209

-3.33%

Taxi 1hour Waiting (Normal Tariff)

$1.83 ₦2,453

$2.13 ₦2,852

-14.08%

Gasoline (1 liter)

$0.54 ₦723

$0.90 ₦1,213

-40.00%

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

$25.7K ₦34.4M

$11.3K ₦15.2M

126.66%

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

$36.3K ₦48.6M

$28.3K ₦37.9M

28.21%

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

$100 ₦134.5K

$15.13 ₦20.3K

563.25%

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

$6.50 ₦8,712

$14.63 ₦19.6K

-55.57%

Internet (50+ Mbps, Unlimited Data)

$28.97 ₦38.8K

$33.32 ₦44.7K

-13.06%

Gym Membership (Monthly)

$39.52 ₦53.0K

$14.71 ₦19.7K

168.66%

Tennis Court (1 Hour on Weekend)

$12.03 ₦16.1K

$4.66 ₦6,241

158.15%

Cinema Ticket

$6.22 ₦8,331

$6.24 ₦8,362

-0.32%

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

$44.67 ₦59.9K

$672 ₦900.3K

-93.35%

International Primary School, 1 Child (Yearly)

$1,001 ₦1.3M

$19.8K ₦26.5M

-94.94%

Jeans (Levis 501 Or Similar)

$10.09 ₦13.5K

$5.95 ₦7,978

69.58%

Summer Dress (H&M, Zara, etc)

$14.98 ₦20.1K

$18.40 ₦24.7K

-18.59%

Sport Shoes (Adidas, Nike)

$51.0 ₦68.3K

$14.96 ₦20.1K

240.84%

Men's Leather Business Shoes

$50.1 ₦67.1K

$10.29 ₦13.8K

386.78%

1-bedroom Apartment, City Center (Monthly)

$434 ₦582.2K

1-bedroom Apartment, Outside City Center (Monthly)

$250 ₦334.9K

3-bedroom Apartment, City Center (Monthly)

$554 ₦743.1K

$1,126 ₦1.5M

-50.77%

3-bedroom Apartment, Outside City Center (Monthly)

$483 ₦646.7K

$671 ₦899.6K

-28.11%

Buy Apartment in City Center (m2)

$2,030 ₦2.7M

$741 ₦992.7K

174.06%

Buy Apartment Outside City Center (m2)

$1,485 ₦2.0M

$185 ₦247.3K

704.44%

Average Monthly Net Salary (After Tax)

$102 ₦136.4K

$33.86 ₦45.4K

200.53%

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: October 26, 2026

Last update for Oyo: October 26, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Groceries & Markets

Jos

$203 38.1%

Oyo

$144 23.3% 29% $59

Monthly Utilities & Internet

Jos

$136 25.5%

Oyo

$63 10.2% 53.6% $73

Eating Out

Jos

$81 15.1%

Oyo

$91 14.6% 12.3% $10

Clothing & Footwear

Jos

$57 10.6%

Oyo

$22 3.6% 60.7% $34

Sport & Entertainment

Jos

$52 9.7%

Oyo

$27 4.4% 47.7% $25

Getting Around

Jos

$4.9 * 0.9%

Oyo

$21 3.5% 335% $17

Accommodation & Living

Jos

- * 0%

Oyo

$250 40.4%

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Salaries in Jos are about 3 times higher, 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 $30 in Jos versus $51 in Oyo. Groceries tell a different story – $203 in Jos vs $144 in Oyo – so Oyo wins on supermarket bills even if dining out costs more.

Good to know

🇳🇬 Jos

🇳🇬 Oyo

🕒 Local time

22:07 10:07 PM

Same time as Jos

🌤 Weather

👥 Population

900,000

736,100

💱 Currency

Nigerian Naira NGN ₦

📈 Exchange rate

10,000 NGN = 7.46 USD

10,000 NGN = 6.7 EUR

10,000 NGN = 7.46 USD

10,000 NGN = 6.7 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Jos Oyo 590 km ≈ 1 h 15 min nonstop flight

From you

Distances are measured in a straight line. Your location is detected approximately.

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: $534 in Jos, $619 in Oyo – Jos comes out roughly 14% cheaper. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $800 per month in Jos and $928 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 $30 in Jos and $51 in Oyo. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 29% cheaper in Oyo – one category where the pricier city actually offers better value.

$1,200 covers both cities comfortably – all-in costs are $534 in Jos and $619 in Oyo, leaving budget for savings and extras in both cases.