Cost of Living Comparison Between Ho and Accra Cost of Living Comparison Between Ho and Accra

Monthly Cost of Living

A single person spends $704 per month in Ho vs $1,105 in Accra, rent included.

A couple spends around $1,184 per month in Ho vs $1,727 in Accra, rent included.

A family of three spends $1,664 per month in Ho vs $2,348 in Accra, rent included.

Ho is about 36% cheaper than Accra, driven mainly by Sport & Entertainment.

Both Ho and Accra are more affordable than the global median – Ho 49% lower, Accra 20% lower.

Meal at Budget Restaurant

$8.09 GHS 92.4

$7.99 GHS 91.3

1.25%

Three-Course Dinner for Two, Mid-Range

$53.0 GHS 605

$51.9 GHS 593

2.00%

Fast Food Meal (McDonalds, etc)

$10.70 GHS 122

$10.73 GHS 123

-0.28%

Cappuccino

$4.56 GHS 52.1

$4.59 GHS 52.5

-0.65%

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

$1.63 GHS 18.60

$1.62 GHS 18.53

0.62%

Water (0.33 liter bottle)

$0.48 GHS 5.52

$0.45 GHS 5.17

6.67%

Local Beer (0.5 liter draught)

$1.85 GHS 21.11

$1.90 GHS 21.70

-2.63%

Imported Beer (0.33 liter bottle)

$2.28 GHS 26.02

$2.33 GHS 26.66

-2.15%

Milk (1 liter)

$3.81 GHS 43.51

$3.68 GHS 42.03

3.53%

White Bread (500g)

$1.75 GHS 19.94

$1.72 GHS 19.62

1.74%

Rice (white) (1kg)

$3.11 GHS 35.57

$3.17 GHS 36.18

-1.89%

Eggs

$2.75 GHS 31.38

$2.70 GHS 30.80

1.85%

Local Cheese (1kg)

$12.21 GHS 139

$12.24 GHS 140

-0.25%

Chicken Fillets (1kg)

$7.32 GHS 83.6

$7.54 GHS 86.1

-2.92%

Beef Round Steak (1kg)

$10.02 GHS 114

$10.04 GHS 115

-0.20%

Apples (1kg)

$3.77 GHS 43.07

$3.75 GHS 42.87

0.53%

Banana (1kg)

$1.50 GHS 17.13

$1.43 GHS 16.29

4.90%

Oranges (1kg)

$1.79 GHS 20.44

$1.80 GHS 20.59

-0.56%

Tomato (1kg)

$3.68 GHS 42.02

$3.59 GHS 41.01

2.51%

Potato (1kg)

$2.79 GHS 31.85

$2.72 GHS 31.01

2.57%

Onion (1kg)

$2.72 GHS 31.02

$2.76 GHS 31.48

-1.45%

Lettuce (1 head)

$0.79 GHS 8.99

$0.73 GHS 8.34

8.22%

Water (1.5 liter bottle)

$0.62 GHS 7.10

$0.63 GHS 7.15

-1.59%

Cigarettes 20 Pack (Marlboro, Camel)

$2.62 GHS 29.97

$2.61 GHS 29.77

0.38%

Wine (Bottle)

$7.42 GHS 84.7

$7.32 GHS 83.5

1.37%

Local Beer (0.5 liter bottle)

$1.31 GHS 15.01

$1.30 GHS 14.81

0.77%

Imported Beer (0.33 liter bottle)

$2.39 GHS 27.32

$2.43 GHS 27.77

-1.65%

One-way Ticket (Public Transport)

$1.58 GHS 18.01

Public Transport Monthly Pass (Regular Price)

$42.03 GHS 480

Taxi Start (Normal Tariff)

$1.77 GHS 20.19

$1.78 GHS 20.38

-0.56%

Taxi (Normal Tariff) (1km)

$1.29 GHS 14.77

$1.34 GHS 15.31

-3.73%

Taxi 1hour Waiting (Normal Tariff)

$4.53 GHS 51.8

$4.52 GHS 51.7

0.22%

Gasoline (1 liter)

$1.36 GHS 15.49

$1.38 GHS 15.76

-1.45%

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

$7,948 GHS 90.8K

$7,902 GHS 90.2K

0.58%

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

$9,946 GHS 113.6K

$10.2K GHS 116.1K

-2.21%

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

$75.5 GHS 862

$75.8 GHS 865

-0.36%

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

$19.73 GHS 225

$19.38 GHS 221

1.81%

Internet (50+ Mbps, Unlimited Data)

$44.14 GHS 504

$44.26 GHS 506

-0.27%

Gym Membership (Monthly)

$73.0 GHS 833

Tennis Court (1 Hour on Weekend)

$18.49 GHS 211

Cinema Ticket

$13.30 GHS 152

$13.00 GHS 148

2.31%

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

$465 GHS 5,315

$468 GHS 5,344

-0.55%

International Primary School, 1 Child (Yearly)

$18.3K GHS 208.9K

$18.4K GHS 210.6K

-0.82%

Jeans (Levis 501 Or Similar)

$14.58 GHS 166

$14.45 GHS 165

0.90%

Summer Dress (H&M, Zara, etc)

$19.31 GHS 221

$18.99 GHS 217

1.69%

Sport Shoes (Adidas, Nike)

$37.50 GHS 428

$37.24 GHS 425

0.70%

Men's Leather Business Shoes

$53.1 GHS 607

$54.6 GHS 623

-2.66%

1-bedroom Apartment, City Center (Monthly)

$693 GHS 7,909

1-bedroom Apartment, Outside City Center (Monthly)

$278 GHS 3,180

3-bedroom Apartment, City Center (Monthly)

$1,104 GHS 12.6K

3-bedroom Apartment, Outside City Center (Monthly)

$475 GHS 5,419

Buy Apartment in City Center (m2)

$2,888 GHS 33.0K

Buy Apartment Outside City Center (m2)

$1,474 GHS 16.8K

Average Monthly Net Salary (After Tax)

$181 GHS 2,068

20-Year Fixed Mortgage Interest Rate (Annual %)

26.75

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

Last update for Ho: September 6, 2026

Last update for Accra: September 5, 2026

Cost Breakdown

A mid-range dinner for two costs $53.0 in Ho versus $52.0 in Accra. Monthly groceries follow the same trend: $286 vs $285 – making Accra the more affordable choice for daily food spending.

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

Ho vs Accra: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $704 in Ho, $1,105 in Accra – roughly 57% apart. Accra costs more across the board, with Sport & Entertainment showing the biggest gap.

For a comfortable life, plan on about $1,056 per month in Ho and $1,658 in Accra. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Monthly expenses with rent come to $704 in Ho and $1,105 in Accra. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $465 per month in Ho and $468 in Accra. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $2,000 monthly budget goes further in Ho, where all-in costs run around $704, than in Accra at $1,105. In Ho it covers expenses comfortably, while in Accra it requires careful planning or may not stretch far enough.

Families tend to lean toward Ho – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Ho. If higher salaries, better infrastructure, or specific career opportunities are the priority, Accra makes more sense. Both are solid long-term options with distinct trade-offs.