Lagos is Nigeria’s commercial heartbeat and one of Africa’s fastest-growing cities. With its thriving economy, vibrant culture, and endless opportunities, it attracts millions of people every year who want to live, work, and invest here. But if you’ve ever tried to rent an apartment in Lagos, you already know that it can be a stressful and overwhelming experience.

From high rent prices and hidden charges to fraudulent agents and “omo onile” (land grabbers), the process can be frustrating if you don’t know the right steps to follow. This guide will walk you through everything you need to know about renting an apartment in Lagos without stress — from preparation to moving in.

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1. Define Your Budget Clearly

Before you start searching, the first thing you need to do is determine your budget. Rent in Lagos varies depending on the location, size, and type of apartment.

• Highbrow Areas: Ikoyi, Victoria Island, Lekki Phase 1 (premium prices).
• Mid-range Areas: Yaba, Surulere, Ogudu, Gbagada.
• Affordable Areas: Ikorodu, Ipaja, Mowe, and some parts of mainland Lagos.

When budgeting, don’t forget:

• Agency Fee (usually 10% of annual rent).
• Legal Fee (another 5–10%).
• Service Charge (if the apartment is in a serviced estate).
• Caution Fee (refundable security deposit).

Tip: Always budget an additional 20–30% of rent cost to cover these hidden charges.

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2. Choose the Right Location

In Lagos, location is everything. Where you live determines your quality of life, commute time, and even safety. When picking a location, consider:

• Proximity to Work or School – Avoid spending hours in Lagos traffic.
• Security – Some neighborhoods are safer than others.
• Accessibility – Are the roads motorable, even during rainy season?
• Amenities – Shops, schools, hospitals, and public transport availability.

Pro Tip: Visit the area both day and night before committing. Some places look peaceful during the day but become noisy or unsafe at night.

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3. Decide on the Type of Apartment

Lagos offers a wide range of housing options:

• Self-contained (mini flat): One room with bathroom and kitchenette.
• 1-Bedroom Flat: Living room, bedroom, kitchen, and bathroom.
• 2–3 Bedroom Flat: Ideal for families.
• Bungalow or Duplex: Larger houses, sometimes in estates.
• Serviced Apartments: Comes with water, power supply, and security.

Choose what fits your lifestyle and budget. Remember: the more amenities, the higher the rent.

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4. Work with a Trusted Agent or Agency

One of the biggest challenges in Lagos real estate is dealing with unprofessional or fraudulent agents. To avoid scams:

• Use a registered agent or reputable real estate agency like REEI Living.
• Ask for the agent’s ID or professional association membership (e.g., NIESV).
• Avoid agents who demand inspection fees for multiple properties without showing anything substantial.
• Never pay rent or sign documents without meeting the actual landlord or their direct representative.

Warning: Many fake agents collect money from multiple people for the same apartment. Always verify ownership before paying.

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5. Inspect the Property Thoroughly

Never rent an apartment in Lagos without proper inspection. When visiting, check:

• Water Supply: Is there a borehole or reliable water source?
• Electricity: How stable is the power supply in the area?
• Drainage: Lagos is prone to flooding — check if the building is in a flood-prone area.
• Security: Are there burglar-proof doors and windows? Is the area safe?
• Maintenance: Inspect plumbing, wiring, and finishing quality.

Take photos and videos during inspection.

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6. Verify the Landlord and Documents

Before making any payment, verify the landlord’s identity and ensure documents are valid. Key documents include:

• Tenancy Agreement – Defines terms of rent, duration, and rights of both parties.
• Receipt of Payment – Must clearly state rent duration (e.g., Jan 2025 – Dec 2025).
• Landlord’s ID/Direct Involvement – Avoid middlemen who refuse to introduce the real landlord.

If possible, hire a lawyer to review your tenancy agreement before signing.

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7. Understand Rent Duration and Renewal Terms

In Lagos, most landlords demand one or two years’ rent upfront. Some may accept six months depending on the location. Make sure you ask:

• Is rent renewable yearly?
• Will the landlord increase rent after the first term?
• Are there penalties for late payment?

Pro Tip: Always get every agreement in writing — verbal promises mean nothing in Lagos real estate.

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8. Watch Out for Hidden Charges

Many tenants in Lagos are surprised after paying rent because of additional charges. Some common ones include:

• Service Charge: For estates with security, cleaning, and power.
• Caution Fee: Refundable but often withheld.
• Waste Disposal: Monthly LAWMA or private waste company charges.
• Light & Water Bills: Sometimes inflated if shared.

Always clarify all extra charges before signing.

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9. Negotiate Where Possible

Don’t be afraid to negotiate — especially in areas with many vacant apartments. Some landlords are flexible and may:

• Reduce rent slightly.
• Allow installment payments.
• Waive caution or agency fees.

Be polite and respectful while negotiating; landlords prefer serious tenants who appear reliable.

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10. Move In the Right Way

Once everything is signed and paid, plan your move properly:

• Take inventory of the apartment’s condition before moving in.
• Get receipts for every payment made (rent, service charge, caution fee).
• Meet your neighbors and understand community rules.
• Secure your home with extra locks if necessary.

This final step ensures you start your tenancy on the right foot.

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Common Mistakes to Avoid When Renting in Lagos

1. Paying rent without verifying ownership.
2. Ignoring flood-prone or insecure neighborhoods just because rent is cheap.
3. Relying solely on online listings without physical inspection.
4. Not budgeting for hidden charges.
5. Rushing the process out of desperation.

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Conclusion

Renting an apartment in Lagos doesn’t have to be stressful. By defining your budget, choosing the right location, working with trusted agents, and carefully inspecting properties, you can avoid common pitfalls. Most importantly, always verify documents and involve a lawyer when necessary.

At REEI Living, we help clients find secure, verified, and comfortable apartments across Lagos — without the stress. Our team ensures transparency, proper documentation, and the best deals for your budget.