Your complete 2026 guide to retiring in Lagos, Nigeria. Costs, visa options, healthcare, safety, and quality of life — all in one place.
| Category | Single | Couple |
|---|---|---|
| Rent (1BR / 2BR) | $600 | $840 |
| Groceries | $180 | $270 |
| Utilities | $100 | $130 |
| Transport | $36 | $72 |
| Healthcare | $30 | $51 |
| Total | $946 | $1,363 |
Based on current cost of living in Lagos, here's how long different savings amounts will sustain you:
| Savings | Single | Couple |
|---|---|---|
| $200,000 | 17.6 yrs | 12.2 yrs |
| $300,000 | 26.4 yrs | 18.3 yrs |
| $500,000 | 44.0 yrs | 30.6 yrs |
| $750,000 | 66.1 yrs | 45.9 yrs |
| $1.0M | 88.1 yrs | 61.1 yrs |
Assumes current costs, no investment returns or inflation adjustment. Calculate with your exact numbers →
Here are the visa programs available for retiring in Nigeria:
No retirement visa. CERPAC for business/employment. Citizenship naturalization requires 15 years. Very limited retiree options.
Tax rates are indicative. Your actual liability depends on residency status, tax treaties, and personal circumstances. Consult a tax advisor.
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Try Wise for Free →A single retiree needs approximately $946/month in Lagos, covering rent ($600), groceries, utilities, transport, and healthcare. A couple needs about $1,363/month.
Nigeria offers 1 visa programs for retirees. The most accessible is the Nigeria CERPAC Residence.
Lagos has a safety score of 31/100, ranking #179 out of 182 retirement destinations in our database.
Lagos scores 38/100 for healthcare quality, ranking #169 out of 182 cities. Private health insurance for retirees 60+ costs approximately $60/mo.
With $500,000 in savings, a single retiree can expect their money to last approximately 44.0 years in Lagos. For a couple, approximately 30.6 years.
Inheritance tax in Nigeria: None. Capital gains tax: 10%. No wealth tax.
Our retirement data is compiled from multiple authoritative sources, cross-referenced for accuracy:
All data is for informational purposes only and updated periodically. Individual circumstances may vary. Consult a qualified financial advisor for personal retirement planning. Last updated: March 2026.