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Living in Nigeria: Cost of Living, Healthcare and What to Know About Living in Nigeria | Expat Exchange
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Lagos, Nigeria

Living in Nigeria

By Joshua Wood, LPC

Last updated on Mar 09, 2024

Summary: People often describe life in Nigeria as vibrant and full of energy. Expats love the culture, the people, the food, and the music. The cost of living for an expat in Nigeria is relatively low, with a basic monthly budget of around $1,000 USD. The population of Nigeria is estimated to be around 206 million people, making it the most populous country in Africa. The largest cities in Nigeria are Lagos, Kano, Ibadan, Kaduna, and Abuja. The cons of living in Nigeria include the high levels of poverty, crime, and corruption. The infrastructure is also lacking in many areas, and the healthcare system is inadequate. Additionally, the political situation is often unstable, and there is a risk of terrorism.

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What are the pros and cons of living in Nigeria?

Expats, digital nomads and retirees living in Nigeria responded:

"Expats and digital nomads often appreciate the vibrant culture and friendly people of Nigeria. They also enjoy the country's diverse cuisine, which is a mix of African, European, and Middle Eastern flavors. Additionally, the cost of living in Nigeria is relatively low, making it an attractive destination for those looking to stretch their budget. On the other hand, expats and digital nomads may find the infrastructure in Nigeria to be lacking, with unreliable electricity and internet connections. Additionally, the security situation in some parts of the country can be concerning, and the healthcare system is not always up to international standards," said one member in Nigeria.

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What type of social life can someone expect in Nigeria?

When we asked expats and global nomads about their social experiences in Nigeria, they replied:

"Expats, retirees and digital nomads living in Nigeria typically have an active social life. They often join local clubs and organizations, attend cultural events, and make friends with other expats, retirees and digital nomads. They also often take advantage of the vibrant nightlife in the cities, as well as the many outdoor activities available in the countryside. Additionally, they often take part in the local festivals and celebrations, which provide a great opportunity to meet new people and experience the culture of Nigeria," remarked one expat in Nigeria.

"The social scene in Nigeria is vibrant and diverse. There are a variety of activities to take part in, from traditional festivals and celebrations to modern nightlife. People in Nigeria are known for their hospitality and welcoming nature, making it easy to make friends and build relationships. There are also a variety of cultural events and activities to explore, such as music, art, and theatre. Nigeria is a great place to meet new people and experience different cultures," said one in Nigeria.

What are medical services in Nigeria like?

When we asked expats and global nomads about the quality of medical care in Nigeria, they replied:

"Medical services in Nigeria vary greatly depending on the region. In some areas, there are well-equipped hospitals and clinics staffed by qualified medical professionals. In other areas, however, access to medical care is limited and the quality of care is often inadequate. Many Nigerians rely on traditional medicine and healers for their healthcare needs. The government has made efforts to improve access to healthcare, but there is still a long way to go," remarked one expat in Nigeria.

Are healthcare and health insurance expensive in Nigeria?

"Healthcare and health insurance in Nigeria can be expensive, especially for those who are not covered by a government-sponsored health insurance plan. Private health insurance plans can be costly, and the cost of medical care can be prohibitively expensive for many people. Additionally, the quality of healthcare in Nigeria is often lower than in other countries, making it difficult to access quality care. Furthermore, the cost of medications and treatments can be high, and many people are unable to afford them," explained one expat in Nigeria.

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William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.
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Is the cost of living in Nigeria high?

We asked people about the cost of living in Nigeria, they wrote:

"The cost of living in Nigeria varies greatly depending on the location. Generally, the cost of living is higher in the larger cities such as Lagos, Abuja, and Port Harcourt. In these cities, the cost of rent for a nice 1 bedroom apartment is around $500 USD per month, while a nice 2 bedroom apartment can cost up to $800 USD per month. Eating dinner at a moderately priced restaurant in Nigeria can cost around $10 USD per person," wrote one expat in Nigeria.

What are the visa & residency requirements in Nigeria?

"In order to visit Nigeria, travelers must obtain a visa prior to arrival. The process of applying for a visa involves submitting an application form, a valid passport, two passport-sized photographs, and a fee. Depending on the type of visa, additional documents may be required. In order to obtain residency in Nigeria, applicants must submit an application form, a valid passport, two passport-sized photographs, and a fee. Depending on the type of residency, additional documents may be required. Applicants may also be required to provide proof of employment, proof of financial stability, and a medical certificate. Once the application is approved, the applicant will be issued a residency permit," said one expat in living in Nigeria.

Why do people move to Nigeria?

When we asked people why foreigners move to Nigeria, they responded:

"Nigeria offers expats a unique cultural experience, with a vibrant and diverse population, a rich history, and a wide variety of attractions. The country also boasts a strong economy, with a growing middle class and a wide range of job opportunities. Additionally, Nigeria has a tropical climate, with warm temperatures year-round, making it an ideal destination for those looking to escape the cold winter months. Finally, the cost of living in Nigeria is relatively low, making it an attractive option for expats looking to stretch their budget," said one expat in Nigeria.

What do I need to know about living in Nigeria?

When we asked people what advice they would give someone preparing to move to Nigeria, they said:

"1. Expats should research the cost of living in Nigeria before retiring, as prices can vary significantly depending on the city and region. 2. It is important to understand the local laws and regulations, as well as the cultural norms, before retiring in Nigeria. 3. Expats should also consider the availability of healthcare and medical facilities in the area they plan to retire in. 4. It is important to ensure that all necessary documents, such as visas and residence permits, are in order before retiring in Nigeria. 5. Expats should also research the security situation in the area they plan to retire in, as crime rates can vary significantly across the country. 6. Expats should also consider the availability of amenities such as banks, supermarkets, and other services before retiring in Nigeria. 7. Finally, expats should ensure that they have a reliable source of income before retiring in Nigeria," said a person living in Nigeria.

What do I need to know before moving to Nigeria?

When we asked people what advice they would give someone preparing to move to Nigeria, they said:

"Before moving to Nigeria, expats should be aware of the country's political and security situation. It is important to research the local laws and customs, and to be aware of the potential risks of living in Nigeria. Expats should also be aware of the cost of living in Nigeria, as it is generally higher than in many other countries. Additionally, expats should make sure to obtain the necessary visas and permits before travelling to Nigeria. Finally, expats should be aware of the climate in Nigeria, as it can be very hot and humid," said one person in Nigeria.

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How do I find a place to live in Nigeria?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"One way to find a place to live in Nigeria is to search online for rental listings. Websites such as Jumia House, ToLet, and Private Property Nigeria are great resources for finding available properties in Nigeria. Additionally, you can also search for rental listings on social media platforms such as Facebook and Twitter. Additionally, you can also ask friends and family who live in Nigeria for recommendations. Finally, you can also contact local real estate agents who can help you find a suitable place to live," said one expat in Nigeria.

What is a typical expat home or apartment like in Nigeria?

"Expat homes and apartments in Nigeria typically feature modern amenities and are often located in secure, gated communities. Many expat homes and apartments come with air conditioning, swimming pools, and other luxuries. Expats can also find furnished apartments with all the necessary appliances and furniture. Security is a priority for many expats, so many homes and apartments come with security guards and CCTV cameras," said one person in Nigeria.

What is the average cost of housing in Nigeria?

If you are thinking about moving to Nigeria, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The cost of housing in Nigeria varies greatly depending on the location and type of housing. Generally, housing in Nigeria is relatively affordable compared to other countries, with prices ranging from low-cost rental apartments to luxury villas. The average cost of housing in Nigeria is typically lower than in other countries, making it an attractive option for those looking for a place to live," replied an expat in Nigeria.

How do I meet people in Nigeria?

When we asked people living in Nigeria about club and activities where newcomers can meet others, they responded:

"Expats in Nigeria often join clubs and activities such as golf, tennis, and sailing. Expats can also join local book clubs, art classes, and language classes. Additionally, expats can meet people by attending local events such as festivals, concerts, and art exhibitions. Expats can also meet people by attending networking events, joining online forums, and attending meetups," said one expat in Nigeria.

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William RussellWilliam Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.
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What should I bring when moving to Nigeria?

People living in Nigeria were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Nigeria, it is important to pack items that will help you adjust to the climate and culture. Bring clothing that is lightweight and breathable, as well as items that will protect you from the sun. It is also important to bring items that will help you stay connected to family and friends back home, such as a laptop, phone, and internet access. Additionally, it is a good idea to bring a few items that will help you feel more at home, such as pictures, books, and other personal items. Finally, make sure to bring any necessary documents, such as a passport, visa, and other important paperwork," explained one expat.

William Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

Learn MoreGet Quote

William Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

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Where should I setup a bank account in Nigeria?

We asked expats in Nigeria what banks they use and there advice about banking. They advised:

"1. Expats should research the cost of living in Nigeria before retiring, as prices can vary significantly depending on the city and region. 2. It is important to understand the local laws and regulations, as well as the cultural norms, before retiring in Nigeria. 3. Expats should also consider the availability of healthcare and medical facilities in the area they plan to retire in. 4. It is important to ensure that all necessary documents, such as visas and residence permits, are in order before retiring in Nigeria. 5. Expats should also research the security situation in the area they plan to retire in, as crime rates can vary significantly across the country. 6. Expats should also consider the availability of amenities such as banks, supermarkets, and other services before retiring in Nigeria. 7. Finally, expats should ensure that they have a reliable source of income before retiring in Nigeria," replied an expat in Nigeria.

Will I be able to find a job in Nigeria?

When we asked people about industries and career opportunities in Nigeria, they reponded:

"Foreigners often have jobs in Nigeria in fields such as teaching, engineering, business, and healthcare. They may also work in the hospitality industry, as well as in the oil and gas industry. Additionally, many foreigners work in the IT sector, providing services such as software development and web design," explained one expat.

What is life like in Nigeria?

When we asked people living in Nigeria what life is like and how people spend their time, they said:

"Life for expats and digital nomads in Nigeria can be both exciting and challenging. The country offers a vibrant culture, friendly people, and a wide range of activities to explore. Expats and digital nomads can find a variety of accommodation options, from luxury apartments to more affordable guesthouses. The cost of living in Nigeria is relatively low, making it an attractive destination for those looking to stretch their budget. The country also offers a wide range of job opportunities, from freelance work to full-time positions. Despite the many advantages, expats and digital nomads should be aware of the security risks in Nigeria, as crime rates are high in some areas," said a person living in Nigeria.

What do expats in Nigeria appreciate most about the local culture?

"Expats in Nigeria appreciate the warm hospitality of the local people, the vibrant culture and the diverse range of activities available. They also enjoy the delicious local cuisine, the vibrant music and dance, and the beautiful landscapes. Additionally, they appreciate the strong sense of community and the strong family values that are so important in Nigerian culture," replied an expat in Nigeria.

What do expats find most challenging?

"The electricity was cut off for a month and a half. Also a week without water! Malaria and fear to go out at night. Security problems and I have to be back home at 10. One day a bomb explosion rocked my window," said one expat in Abuja.

"Expats in Nigeria often find the local culture to be quite different from what they are used to, which can be challenging. The language barrier can be difficult to overcome, as English is not widely spoken in many parts of the country. Additionally, the local customs and traditions can be difficult to understand and navigate, as they are often quite different from those of the expat's home country. Furthermore, the climate can be difficult to adjust to, as temperatures can be quite extreme in certain parts of the country. Finally, the infrastructure in Nigeria can be unreliable, making it difficult to get around and access basic services," said a person living in Nigeria.

Is there a lot of crime in Nigeria?

We asked people if there is a lot of crime. They answered:

"Yes, there is a significant amount of crime in Nigeria. The country has a high rate of violent crime, including armed robbery, kidnapping, and carjacking. In addition, there is a significant amount of fraud and corruption, as well as organized crime. The government has taken steps to combat these issues, but the problem remains a major concern," replied an expat in Nigeria.

Is there a lot of diversity? Are people in Nigeria accepting of differences?

"Yes, there is a lot of diversity in Nigeria. The country is home to over 250 ethnic groups, each with its own language, culture, and traditions. People in Nigeria are generally accepting of differences, and the country has a long history of peaceful coexistence between different ethnic and religious groups," remarked one in Nigeria.

What are the schools in Nigeria like?

"The American International School of Lagos (AISL) is one of the best international schools in Nigeria. Located in the heart of Lagos, AISL offers a rigorous American-style curriculum from pre-kindergarten through grade 12. The school is accredited by the Middle States Association of Colleges and Schools and the Council of International Schools. AISL also offers a wide range of extracurricular activities, including sports, music, and art. The British International School Lagos (BISL) is another top international school in Nigeria. BISL offers a British-style curriculum from pre-kindergarten through grade 12. The school is accredited by the Council of International Schools and the British Schools Overseas. BISL also offers a wide range of extracurricular activities, including sports, music, and art. The French International School of Lagos (FISL) is a top bilingual school in Nigeria. FISL offers a French-style curriculum from pre-kindergarten through grade 12. The school is accredited by the French Ministry of Education and the Council of International Schools. FISL also offers a wide range of extracurricular activities, including sports, music, and art," remarked one expat living in with children attending .

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

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