This paper analyzes the structural shift in household expenditure patterns across rural and urban districts in post-pandemic Nigeria using double-blind empirical micro-datasets. Employing a double-hurdle statistical model on survey datasets, we decompose income elasticities and consumption tendencies for essential food, health, and education utilities. The findings indicate that rural households allocate approximately 68.4% of disposable income directly to basic nutrition, illustrating high vulnerability to inflation. In contrast, urban structures reveal a higher allocation towards digital communication and private transport services. The results highlight the divergence in socio-economic resilience between rural and urban sectors and offer statistical evidence for designing targeted welfare intervention schemes. We conclude with a discussion on how multi-dimensional poverty indices can be integrated into standard governmental budgeting cycles to balance these disparities. Our policy framework provides actionable metrics for statistical institutions to support equitable national growth planning.