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Cost of Living in Lokoja

Lokoja, Kogi, Nigeria · Population 692,050

▲ +0% vs Nigeria average

Single person, monthly (incl. rent)₦581,036 ($375)
Couple, monthly₦1,040,398 ($671)
Family of four, monthly₦1,354,309 ($874)

Estimated Prices in Lokoja

ExpenseEstimated costBasis
Meal at an inexpensive restaurant₦5,915 ($3.82)per meal
Three-course meal for two, mid-range₦23,659 ($15.26)per meal
Cappuccino₦1,774 ($1.14)each
Monthly groceries (single person)₦134,069 ($86.50)per month
Monthly public transport pass₦21,688 ($13.99)per month
Basic utilities for an 85m² apartment₦57,176 ($36.89)per month
Internet (60 Mbps, unlimited)₦16,561 ($10.68)per month
Fitness club membership₦16,561 ($10.68)per month
Cinema ticket₦4,338 ($2.80)each
One-bedroom apartment in city centre₦268,405 ($173)per month
One-bedroom apartment outside centre₦186,716 ($120)per month
Three-bedroom apartment in city centre₦560,149 ($361)per month

Salary & Budget Planning

The estimated average net salary in Lokoja is ₦410,750 ($265) per month. To live comfortably — covering the full single-person budget of ₦581,036 ($375) with about 30% left over for savings — you would need a net income of roughly ₦755,347 ($487) per month.

Housing takes the largest share: rent for a one-bedroom outside the centre (₦186,716 ($120)) represents about 32% of the total single-person budget.

Compare Lokoja

Lokoja vs LagosLokoja vs KanoLokoja vs IbadanLokoja vs AbujaLokoja vs AwkaLokoja vs Port Harcourt

Nearby Cities

Okene

63 km away · Kogi

Idah

77 km away · Kogi

Abaji

78 km away · Federal Capital Territory

Aiyetoro Gbede

84 km away · Kogi

Auchi

97 km away · Edo

Ikare

114 km away · Ondo

Nsukka

127 km away · Enugu

Kuje

131 km away · Federal Capital Territory

Other Major Cities in Nigeria

Lagos

Lagos · pop. 16,637,000

₦724,579 ($467) / mo

Kano

Kano · pop. 4,348,000

₦628,574 ($406) / mo

Ibadan

Oyo · pop. 3,861,000

₦628,574 ($406) / mo

Abuja

Federal Capital Territory · pop. 3,770,000

₦628,574 ($406) / mo

Awka

Anambra · pop. 2,171,900

₦628,574 ($406) / mo

Port Harcourt

Rivers · pop. 1,865,000

₦628,574 ($406) / mo

Benin City

Edo · pop. 1,780,000

₦628,574 ($406) / mo

Nneyi-Umuleri

Anambra · pop. 1,500,000

₦628,574 ($406) / mo

Living in Lokoja

Lokoja is one of the key cities in Nigeria. The estimated monthly cost of living for a single person is ₦581,036 ($375), placing it above the national average. Housing represents the largest expense, with a one-bedroom apartment outside the city centre costing around ₦186,716 ($120) per month.

For families, the estimated budget rises to ₦1,354,309 ($874) per month, driven mainly by larger housing needs and increased food and transport spending. Couples can expect to spend approximately ₦1,040,398 ($671) monthly.

The average estimated net salary in Lokoja is ₦410,750 ($265). To maintain a comfortable lifestyle with room for savings, a single person typically needs a net income of at least ₦755,347 ($487) per month.

Frequently Asked Questions

Is Lokoja expensive to live in?
A single person needs an estimated ₦581,036 ($375) per month in Lokoja including rent outside the city centre. That is 0% more than the national average for Nigeria.
What salary do you need to live comfortably in Lokoja?
A net salary of around ₦755,347 ($487) per month lets a single person cover all estimated expenses in Lokoja with roughly 30% left for savings. The estimated average net salary in Lokoja is ₦410,750 ($265).
How much is rent in Lokoja?
A one-bedroom apartment costs an estimated ₦268,405 ($173) per month in the city centre and ₦186,716 ($120) outside the centre. A three-bedroom in the centre runs about ₦560,149 ($361).
Is Lokoja cheaper than Nigeria on average?
No — Lokoja is estimated to be about 0% more expensive than the Nigeria average, mainly due to housing demand.
What is the cost of groceries in Lokoja?
Monthly groceries for one person are estimated at ₦134,069 ($86) in Lokoja. A meal at an inexpensive restaurant costs about ₦5,915 ($4) and a cappuccino runs around ₦1,774 ($1).
How do transport costs in Lokoja compare?
A monthly public transport pass in Lokoja is estimated at ₦21,688 ($14). Transport makes up a small share of the total budget compared to housing and food.
Figures for Lokoja are estimates based on Nigeria national averages adjusted for city size (population 692,050). Last model update: July 2026. How we calculate.