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Kaduna vs Jos: cost of living compared (2026)
Jos is about 3% cheaper to live in than Kaduna overall. On rent alone the gap is wider.
86
Kaduna index
median = 100
83
Jos index
median = 100
₦192,000
Kaduna monthly
1-bed, single adult
₦187,500
Jos monthly
1-bed, single adult
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Side by side
| Item | Kaduna | Jos | Difference |
|---|---|---|---|
| Rent, 1-bedroom (per year) | ₦480,000 | ₦450,000 | -₦30,000 |
| Rent, 2-bedroom (per year) | ₦800,000 | ₦750,000 | -₦50,000 |
| Groceries (monthly) | ₦84,000 | ₦84,000 | +₦0 |
| Transport (monthly) | ₦38,000 | ₦36,000 | -₦2,000 |
| Data / internet (monthly) | ₦13,000 | ₦13,000 | +₦0 |
| Utilities & levies (monthly) | ₦17,000 | ₦17,000 | +₦0 |
| Total monthly (1-bed) | ₦192,000 | ₦187,500 | -₦4,500 |
| Overall cost index | 86 | 83 | — |
| Rent index | 80 | 75 | — |
What a Accountant earns in each
Using Accountant as a mid-level reference role, adjusted for each city's cost index:
| City | Median gross | Monthly living cost | Left over |
|---|---|---|---|
| Kaduna | ₦240,000 | ₦192,000 | ₦48,000 |
| Jos | ₦230,000 | ₦187,500 | ₦42,500 |
On these figures a Accountant keeps more each month in Kaduna than in Jos — about ₦5,500 more.
This assumes pay tracks local cost, which is the usual pattern but not a rule.
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Which city should you choose?
If your income is fixed — a pension, a remote salary, a business that serves clients online — the cheaper city is straightforwardly better and the saving is permanent. If your pay adjusts to the local market, most of the apparent saving disappears, because employers in Kaduna generally pay more for the same role. They rarely pay enough to cover the full rent difference, which is why this comparison matters more than the headline salary figure.
Frequently asked questions
Which is cheaper, Kaduna or Jos?
Jos is the cheaper city, by about 3% on overall living costs. On rent alone the gap is 6%.
How much cheaper is rent in Jos than Kaduna?
A one-bedroom flat runs about ₦450,000 a year in Jos against ₦480,000 in Kaduna.
What salary do I need in Kaduna to match Jos?
Multiply by 1.04. For an accountant, ₦230,000 in Jos is roughly equivalent to ₦240,000 in Kaduna.
Is it worth moving from Kaduna to Jos?
Only if your income travels with you. If you can keep a Kaduna salary while living in Jos, the saving is real and substantial. If your pay adjusts down to local levels, most of the gain disappears.