This comprehensive research investigates heavy metal contamination in the rapidly developing town of Jebba in north-central Nigeria, which is essential to the nation's economy due to its agro-allied and non-agro-allied businesses. The research focuses on soil samples, collecting and analyzing 137 surface soil samples to assess the presence of 25 distinct metals. After statistical analysis and simple mathematical models are applied to the data, the amounts of harmful metals and their probable causes are revealed. The study identifies geogenic and anthropogenic origins of toxic metals, with some elements exceeding average crustal concentrations. Non-homogeneous metal dispersion is shown in the region by spatial distribution maps. The geo-accumulation index reflects various amounts of contamination, with particular metals posing significant threats to the ecosystem. Additionally, the study compares results with worldwide studies, revealing distinct pollution patterns in Jebba. The research delves into weathering processes, employing chemical indices to quantify the level of soil weathering and uncovering a prominent role of geogenic activities in metal release. Bivariate correlation and principal component analysis indicate links and possibly common sources among heavy metals, emphasizing anthropogenic contributions. In addition, assessments of ecological and medical risks are conducted, indicating possible threats to human wellness and the ecosystem. Children, in particular, are regarded as especially vulnerable to non-carcinogenic health concerns, with various heavy metals posing potential threats through diverse exposure routes. The study emphasizes the need to implement remediation procedures to address the risks to public health and the environment related to metal pollution.