Sexual and reproductive health (SRH) is vital for women’s well-being, yet internally displaced women (IDW) encounter significant barriers to accessing these essential services. This study examines the contraceptives and family planning need among IDW, focusing on the challenges and implications of limited access in conflict-affected settings. A concurrent mixed method approach deployed multi-stage sampling in a cross-sectional survey to select 575 IDW aged 15–49 and 6 focus group discussions (FGDs) in communities unabated with crises and natural disasters in Plateau state, Benue state, and Abuja. Quantitative data were analysed using Statistical Package for the Social Sciences (SPSS) version 27, while qualitative data were analysed using Nvivo 11. Triangulation provided comprehensive insights into the study findings. The study revealed that 56.4% of IDW were sexually active, yet 40.4% did not use contraceptives. Among these, financial constraints (22.9%), lack of transportation (6.8%), and non-availability of services in camps (11.5%) were key barriers. Furthermore, 60.3% of respondents cited fear of contraceptive side effects as a significant deterrent. The findings reveal critical gaps in family planning services for IDW that have the potential to drive unmet family planning needs, unintended pregnancies, and adverse SRH outcomes. This emphasises urgent need for targeted interventions to improve access, affordability, and education related to contraceptive use. Addressing these barriers is crucial for enhancing SRH outcomes and safeguarding the reproductive rights of women in displacement settings.