Last update: Oct 2026

Cost of Living Comparison Between Germany and Ghana

Name: Ghana
Address: GH

For one person, living is cheaper in Ghana: $991 a month against $2,080 in Germany, rent and utilities included – about $13,100 less a year. Rent and utilities account for most of the difference.

100

Cost of Living Index in Germany
Learn more

Germany Living Index
48

Cost of Living Index in Ghana
Learn more

Ghana Living Index

Jump to prices

🇩🇪 Germany

$2,080

/mo nomad

🇬🇭 Ghana

$991

/mo nomad

Monthly Cost of Living

How much you'll spend in Germany and in Ghana

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Germany and in Ghana actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,080 in Germany versus $991 in Ghana.

Germany $2,080
Ghana $991

Estimated couple costs with rent: $3,130 in Germany versus $1,570 in Ghana.

Germany $3,130
Ghana $1,570

Monthly costs for a family of three with rent: $4,180 in Germany versus $2,148 in Ghana.

Germany $4,180
Ghana $2,148

Germany ($1,337–$2,681) and Ghana ($3–$1,260) have similar cost spreads. Where you settle within each country has roughly equal impact on the budget.

Living in Germany is roughly 110% more expensive than in Ghana on average.

Germany (53% above) and Ghana (27% below) straddle the global median.

Meal at Budget Restaurant

$16.60 €14.91

$6.87 GHS 79.5

141.63%

Three-Course Dinner for Two, Mid-Range

$71.8 €64.5

$49.92 GHS 578

43.87%

Fast Food Meal (McDonalds, etc)

$12.12 €10.89

$10.34 GHS 120

17.21%

Cappuccino

$3.96 €3.56

$3.97 GHS 45.98

-0.25%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$3.36 €3.02

$1.09 GHS 12.61

208.26%

Water (0.33 liter bottle)

$2.89 €2.60

$0.48 GHS 5.59

502.08%

Local Beer (0.5 liter draught)

$5.07 €4.55

$1.67 GHS 19.40

203.59%

Imported Beer (0.33 liter bottle)

$4.50 €4.04

$2.60 GHS 30.15

73.08%

Milk (1 liter)

$1.26 €1.13

$3.37 GHS 39.05

-62.61%

White Bread (500g)

$2.20 €1.97

$1.55 GHS 17.98

41.94%

Rice (white) (1kg)

$3.54 €3.18

$2.96 GHS 34.33

19.59%

Eggs

$3.88 €3.49

$2.65 GHS 30.74

46.42%

Local Cheese (1kg)

$14.24 €12.79

$10.98 GHS 127

29.69%

Chicken Fillets (1kg)

$11.90 €10.69

$5.86 GHS 67.9

103.07%

Beef Round Steak (1kg)

$20.68 €18.57

$7.50 GHS 86.8

175.73%

Apples (1kg)

$3.28 €2.95

$3.09 GHS 35.78

6.15%

Banana (1kg)

$2.05 €1.84

$1.38 GHS 15.96

48.55%

Oranges (1kg)

$2.31 €2.08

$1.66 GHS 19.26

39.16%

Tomato (1kg)

$4.29 €3.85

$3.18 GHS 36.79

34.91%

Potato (1kg)

$1.53 €1.38

$2.82 GHS 32.65

-45.74%

Onion (1kg)

$1.50 €1.34

$2.22 GHS 25.69

-32.43%

Lettuce (1 head)

$1.64 €1.47

$0.91 GHS 10.52

80.22%

Water (1.5 liter bottle)

$1.02 €0.91

$0.63 GHS 7.31

61.90%

Cigarettes 20 Pack (Marlboro, Camel)

$9.69 €8.70

$2.18 GHS 25.21

344.50%

Wine (Bottle)

$6.01 €5.40

$7.25 GHS 84.0

-17.10%

Local Beer (0.5 liter bottle)

$1.12 €1.01

$1.40 GHS 16.17

-20.00%

Imported Beer (0.33 liter bottle)

$1.56 €1.40

$2.56 GHS 29.61

-39.06%

One-way Ticket (Public Transport)

$3.85 €3.45

$1.26 GHS 14.61

205.56%

Public Transport Monthly Pass (Regular Price)

$69.7 €62.6

$39.42 GHS 456

76.86%

Taxi Start (Normal Tariff)

$5.34 €4.79

$1.65 GHS 19.09

223.64%

Taxi (Normal Tariff) (1km)

$2.81 €2.52

$1.26 GHS 14.56

123.02%

Taxi 1hour Waiting (Normal Tariff)

$38.83 €34.88

$3.62 GHS 41.96

972.65%

Gasoline (1 liter)

$2.13 €1.91

$1.27 GHS 14.71

67.72%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$32.6K €29.2K

$7,959 GHS 92.2K

309.07%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$37.7K €33.9K

$20.4K GHS 236.7K

84.59%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$342 €307

$77.7 GHS 900

340.26%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$24.87 €22.34

$18.87 GHS 218

31.80%

Internet (50+ Mbps, Unlimited Data)

$48.49 €43.56

$46.54 GHS 539

4.19%

Gym Membership (Monthly)

$39.42 €35.41

$60.1 GHS 696

-34.45%

Tennis Court (1 Hour on Weekend)

$27.47 €24.68

$17.97 GHS 208

52.87%

Cinema Ticket

$14.65 €13.16

$12.33 GHS 143

18.82%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$611 €548

$409 GHS 4,731

49.45%

International Primary School, 1 Child (Yearly)

$17.3K €15.5K

$15.6K GHS 180.6K

10.74%

Jeans (Levis 501 Or Similar)

$89.1 €80.0

$14.00 GHS 162

536.21%

Summer Dress (H&M, Zara, etc)

$42.07 €37.79

$18.28 GHS 212

130.14%

Sport Shoes (Adidas, Nike)

$98.3 €88.3

$38.76 GHS 449

153.61%

Men's Leather Business Shoes

$131 €117

$49.88 GHS 578

161.97%

1-bedroom Apartment, City Center (Monthly)

$934 €839

$554 GHS 6,414

68.66%

1-bedroom Apartment, Outside City Center (Monthly)

$718 €645

$250 GHS 2,889

187.93%

3-bedroom Apartment, City Center (Monthly)

$1,704 €1,530

$1,055 GHS 12.2K

61.52%

3-bedroom Apartment, Outside City Center (Monthly)

$1,294 €1,162

$426 GHS 4,935

203.54%

Buy Apartment in City Center (m2)

$5,944 €5,339

$3,225 GHS 37.3K

84.33%

Buy Apartment Outside City Center (m2)

$3,958 €3,555

$1,719 GHS 19.9K

130.21%

Average Monthly Net Salary (After Tax)

$3,290 €2,955

$247 GHS 2,855

1234.15%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.96

28.8

-86.25%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Germany: October 25, 2026

Last update for Ghana: October 26, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Germany

$718 34.6%

Ghana

$250 25.2% 65.3% $469

Monthly Utilities & Internet

Germany

$415 20%

Ghana

$143 14.4% 65.6% $272

Groceries & Markets

Germany

$335 16.1%

Ghana

$253 25.6% 24.3% $82

Eating Out

Germany

$276 13.3%

Ghana

$153 15.5% 44.4% $123

Clothing & Footwear

Germany

$162 7.8%

Ghana

$54 5.5% 66.4% $108

Getting Around

Germany

$104 5%

Ghana

$52 5.3% 49.8% $52

Sport & Entertainment

Germany

$69 3.3%

Ghana

$85 8.6% 23.4% $16

Cost Breakdown

National rent averages: $812 in Germany, $444 in Ghana. Capital cities: $1,407 in Berlin vs $686 in Accra.

National salary averages: $3,107 in Germany, $340 in Ghana. Higher pay doesn’t always mean more spending money – weigh income against local costs.

Cost Highlights

Rent is 83% higher in Germany.

Dining out costs 51% more in Germany.

Public transport is 100% more expensive in Germany.

Salaries are about 9.1 times higher in Germany, and purchasing power comes out stronger in Germany.

Good to know

🇩🇪 Germany

🇬🇭 Ghana

🕒 Local time

07:27 7:27 AM

06:27 6:27 AM

1 h behind Germany

🌤 Weather

👥 Population

84,358,845

32,833,031

💱 Currency

Euro EUR €

Ghanaian Cedi GHS ₵

📈 Exchange rate

1 EUR = 1.11 USD

100 GHS = 8.64 USD

100 GHS = 7.76 EUR

Exchange rates and currency converter

GHS, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 29, 2026: 1 USD = 0.898 EUR (1 EUR = 1.11 USD).

Ghanaian Cedi exchange rates as of October 29, 2026: 1 USD = 11.58 GHS (100 GHS = 8.64 USD). 1 EUR = 12.89 GHS (100 GHS = 7.76 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Germany Ghana 5,370 km ≈ 7 h nonstop flight

From you

Germany
Ghana

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Germany vs Ghana: Cost of Living - Frequently Asked Questions

At $2,080 per month in Germany and $991 in Ghana, Ghana comes out about 52% cheaper. Keep in mind it varies by city – the difference can be bigger or smaller depending on where you settle within each country.

Day-to-day life is cheaper in Ghana: lower grocery prices, cheaper commutes, and more affordable meals out. Over time, those daily savings make a real difference to your monthly budget and ability to put money away.

Rent for a central one-bedroom averages $812 in Germany and $444 in Ghana. Rents vary a lot between cities, so the gap depends on where you settle.

In Ghana, $1,500 covers most cities easily; in Germany it stretches only to regional areas and falls short in the capital – you’ll need to make trade-offs on housing or lifestyle.

It depends on what you’re after: Ghana wins on affordability, while salaries, visas, language, and lifestyle can tip the balance either way.