Last update: Oct 2026

Cost of Living Comparison Between Ho and Cape Town

For one person, living is cheaper in Ho: $670 a month against $1,586 in Cape Town, rent and utilities included – about $11,000 less a year. Rent and utilities account for most of the difference.

33

Cost of Living Index in Ho
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Ho Living Index
77

Cost of Living Index in Cape Town
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Cape Town Living Index

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🇬🇭 Ghana

$670

/mo nomad

Cape Town

🇿🇦 South Africa

$1,586

/mo nomad

Monthly Cost of Living

How much you'll spend in Ho and in Cape Town

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

A single person spends $670 per month in Ho vs $1,586 in Cape Town, rent included.

Ho $670
Cape Town $1,586

A couple spends around $1,129 per month in Ho vs $2,425 in Cape Town, rent included.

Ho $1,129
Cape Town $2,425

A family of three spends $1,587 per month in Ho vs $3,263 in Cape Town, rent included.

Ho $1,587
Cape Town $3,263

Ho is about 58% cheaper than Cape Town, and outside of rent the biggest gap is in clothing.

Ho sits 50% below the global median, while Cape Town is 17% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$8.24 GHS 95.6

$12.14 R 201

-32.13%

Three-Course Dinner for Two, Mid-Range

$50.8 GHS 589

$45.34 R 749

11.95%

Fast Food Meal (McDonalds, etc)

$10.32 GHS 120

$5.88 R 97.2

75.51%

Cappuccino

$4.31 GHS 50.0

$2.50 R 41.29

72.40%

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

$1.59 GHS 18.47

$1.27 R 21.00

25.20%

Water (0.33 liter bottle)

$0.48 GHS 5.59

$0.98 R 16.19

-51.02%

Local Beer (0.5 liter draught)

$1.84 GHS 21.32

$2.99 R 49.47

-38.46%

Imported Beer (0.33 liter bottle)

$2.19 GHS 25.45

$3.72 R 61.5

-41.13%

Milk (1 liter)

$3.66 GHS 42.45

$1.30 R 21.46

181.54%

White Bread (500g)

$1.67 GHS 19.42

$1.25 R 20.73

33.60%

Rice (white) (1kg)

$3.06 GHS 35.53

$2.23 R 36.87

37.22%

Eggs

$2.61 GHS 30.24

$3.11 R 51.4

-16.08%

Local Cheese (1kg)

$11.79 GHS 137

$9.06 R 150

30.13%

Chicken Fillets (1kg)

$7.18 GHS 83.3

$6.92 R 114

3.76%

Beef Round Steak (1kg)

$9.75 GHS 113

$9.30 R 154

4.84%

Apples (1kg)

$3.59 GHS 41.59

$1.84 R 30.34

95.11%

Banana (1kg)

$1.45 GHS 16.81

$1.96 R 32.38

-26.02%

Oranges (1kg)

$1.75 GHS 20.34

$1.67 R 27.52

4.79%

Tomato (1kg)

$3.54 GHS 41.07

$2.17 R 35.80

63.13%

Potato (1kg)

$2.76 GHS 31.97

$1.57 R 25.89

75.80%

Onion (1kg)

$2.65 GHS 30.69

$1.48 R 24.52

79.05%

Lettuce (1 head)

$0.70 GHS 8.06

$1.30 R 21.47

-46.15%

Water (1.5 liter bottle)

$0.61 GHS 7.03

$1.13 R 18.66

-46.02%

Cigarettes 20 Pack (Marlboro, Camel)

$2.61 GHS 30.22

$3.60 R 59.5

-27.50%

Wine (Bottle)

$7.19 GHS 83.4

$6.15 R 102

16.91%

Local Beer (0.5 liter bottle)

$1.28 GHS 14.88

$1.38 R 22.72

-7.25%

Imported Beer (0.33 liter bottle)

$2.40 GHS 27.84

$2.14 R 35.30

12.15%

One-way Ticket (Public Transport)

$1.50 R 24.72

Public Transport Monthly Pass (Regular Price)

$60.8 R 1,004

Taxi Start (Normal Tariff)

$1.68 GHS 19.46

$0.59 R 9.74

184.75%

Taxi (Normal Tariff) (1km)

$1.24 GHS 14.34

$1.50 R 24.72

-17.33%

Taxi 1hour Waiting (Normal Tariff)

$4.13 GHS 47.85

$5.11 R 84.4

-19.18%

Gasoline (1 liter)

$1.33 GHS 15.47

$1.55 R 25.57

-14.19%

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

$8,092 GHS 93.9K

$36.2K R 598.2K

-77.65%

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

$9,939 GHS 115.3K

$31.2K R 516.2K

-68.19%

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

$73.8 GHS 856

$114 R 1,889

-35.47%

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

$19.36 GHS 225

$28.91 R 478

-33.03%

Internet (50+ Mbps, Unlimited Data)

$41.97 GHS 487

$39.73 R 656

5.64%

Gym Membership (Monthly)

$49.01 R 810

Tennis Court (1 Hour on Weekend)

$10.99 R 182

Cinema Ticket

$12.68 GHS 147

$9.15 R 151

38.58%

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

$454 GHS 5,265

$259 R 4,276

75.34%

International Primary School, 1 Child (Yearly)

$18.6K GHS 215.9K

$6,794 R 112.2K

174.01%

Jeans (Levis 501 Or Similar)

$14.36 GHS 167

$56.2 R 928

-74.44%

Summer Dress (H&M, Zara, etc)

$18.72 GHS 217

$32.41 R 535

-42.24%

Sport Shoes (Adidas, Nike)

$35.80 GHS 415

$121 R 1,993

-70.32%

Men's Leather Business Shoes

$52.0 GHS 604

$108 R 1,786

-51.85%

1-bedroom Apartment, City Center (Monthly)

$1,021 R 16.9K

1-bedroom Apartment, Outside City Center (Monthly)

$717 R 11.8K

3-bedroom Apartment, City Center (Monthly)

$1,824 R 30.1K

3-bedroom Apartment, Outside City Center (Monthly)

$1,327 R 21.9K

Buy Apartment in City Center (m2)

$2,391 R 39.5K

Buy Apartment Outside City Center (m2)

$1,542 R 25.5K

Average Monthly Net Salary (After Tax)

$1,639 R 27.1K

20-Year Fixed Mortgage Interest Rate (Annual %)

26.75

10.97

143.85%

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

Last update for Ho: October 10, 2026

Last update for Cape Town: October 10, 2026

Monthly budget structure

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

Groceries & Markets

$277 41.3%

Cape Town

$225 14.2% 18.8% $52

Eating Out

$171 25.4%

Cape Town

$176 11.1% 3.3% $5.6

Monthly Utilities & Internet

$135 20.2%

Cape Town

$183 11.5% 35.4% $48

Clothing & Footwear

$54 8.1%

Cape Town

$143 9% 162% $88

Sport & Entertainment

$25 * 3.8%

Cape Town

$67 4.2% 165% $42

Getting Around

$7.9 * 1.2%

Cape Town

$75 4.7% 852% $67

Accommodation & Living

- * 0%

Cape Town

$717 45.2%

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A mid-range dinner for two costs $51.0 in Ho versus $45.00 in Cape Town. Monthly groceries follow the same trend: $277 vs $225 – making Cape Town the more affordable choice for daily food spending.

Good to know

🇬🇭 Ho

🇿🇦 Cape Town

🕒 Local time

11:23 11:23 AM

13:23 1:23 PM

2 h ahead of Ho

🌤 Weather

👥 Population

83,715

3,740,026 Capital

💱 Currency

Ghanaian Cedi GHS ₵

South African Rand ZAR R

📈 Exchange rate

100 GHS = 8.62 USD

100 GHS = 7.69 EUR

100 ZAR = 6.05 USD

100 ZAR = 5.4 EUR

Exchange rates and currency converter

ZAR, USD, EUR to GHS – Ghanaian Cedi Converter

🇺🇸 United States Dollar ($)

🇬🇭 Ghanaian Cedi (₵)

Ghanaian Cedi exchange rates as of October 16, 2026: 1 USD = 11.6 GHS (100 GHS = 8.62 USD). 1 EUR = 13.01 GHS (100 GHS = 7.69 EUR).

South African Rand exchange rates as of October 16, 2026: 1 USD = 16.52 ZAR (100 ZAR = 6.05 USD). 1 EUR = 18.53 ZAR (100 ZAR = 5.4 EUR).

USD to GHS in detail →

On the map

Lowest

Highest

Between locations

Ho Cape Town 4,890 km ≈ 7 h nonstop flight

From you

Ho
Cape Town

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

Ho vs Cape Town: Cost of Living - Frequently Asked Questions

Cape Town costs about 137% more than Ho, and outside of rent the gap comes mainly from clothing. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,005 per month in Ho and $2,379 in Cape Town. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Monthly expenses with rent come to $670 in Ho and $1,586 in Cape Town. That's a gap of about 137%.

Kindergarten costs $454 per month in Ho and $259 in Cape Town. 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 $670, than in Cape Town at $1,586. In Ho it covers expenses comfortably, while in Cape Town it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Ho costs $670 versus $1,586 in Cape Town. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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, Cape Town makes more sense. Both are solid long-term options with distinct trade-offs.