Urbanization in Nigeria has led to significant population growth, particularly in informal settlements where social welfare services are often inadequate. The study employs both qualitative interviews and quantitative surveys to gather data from residents of informal settlements and service providers. Data analysis includes thematic coding for qualitative responses and statistical testing for quantitative results. In Lagos, approximately 45% of respondents reported difficulties accessing social welfare services due to the proximity of their homes to urban centers. The findings suggest that urbanization disproportionately affects informal settlements, highlighting a critical service gap in these areas. Policy recommendations include increasing investment in infrastructure and service delivery in informal settlement areas to ensure equitable access to social welfare programmes.