Based on 2026 cost of living data, here's how much you need to earn (before tax) in Surulere, Lagos, Nigeria — from bare minimum to living well.
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Try Wise for Free →We start with actual monthly costs in Surulere, Lagos: rent for a 1-bedroom apartment, groceries, utilities, transport, and healthcare. For the "comfortable" tier, we apply the 50/30/20 rule — your essentials should be 50% of take-home pay, leaving 30% for wants and 20% for savings.
We then reverse-calculate the gross (pre-tax) salary you'd need, using Nigeria's progressive tax brackets and mandatory deductions. All figures are in NGN for 2026.
To live comfortably in Surulere, Lagos in 2026, you need a gross annual salary of approximately ₦46.5M. This covers rent, groceries, utilities, transport, healthcare, and leaves 30% for wants and 20% for savings (50/30/20 rule). The minimum to get by is ₦23.1M.
Monthly rent for a 1-bedroom apartment in Surulere, Lagos is approximately ₦778,012. Essential monthly expenses (groceries, utilities, transport, healthcare) add roughly ₦547,139. The effective tax rate is 31.6%.
₦23.1M is the bare minimum salary to get by in Surulere, Lagos — it covers rent and essential expenses with very little left over. For a comfortable lifestyle with savings, you'd want at least ₦46.5M.
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