This study explores the socio-economic determinants of modern contraceptive use among women of childbearing age in Bwari Area Council, Federal Capital Territory (FCT), Abuja, with a focus on household income and educational attainment. To achieve these aims, the study will focus on two main objectives: first, to explore the relationship between household income and the use of modern contraceptives, and second, to understand how educational attainment influences contraceptive utilization. The study utilizes a descriptive survey research design, collecting data through structured questionnaires from 383 women. A multistage sampling technique was applied to select the participants. First, the council was divided into five wards, then random sampling was used to choose communities within each ward. The findings reveal that income levels and educational attainment significantly influence contraceptive use. Women with higher incomes and more education were more likely to use modern contraceptives. The data shows that most women were aware of contraceptive methods, with health workers and schools being the primary sources of information. However, affordability remains a significant barrier, as 35.3% of women spent between ₦500–₦2,000 on contraceptives monthly. Additionally, while many women found contraceptive instructions somewhat clear, a notable percentage (11.8%) found them confusing. The study concludes that socio-economic factors such as income and education play pivotal roles in shaping contraceptive behaviors and decisions. Based on these findings, the study recommends improving access to affordable contraceptives, expanding educational programs on contraceptive use, and enhancing the clarity of contraceptive instructions. These steps are essential for increasing contraceptive use and improving reproductive health outcomes in Bwari Area Council.