Last update: Oct 2026

Cost of Living Comparison Between Ho and Sofia

For one person, living is cheaper in Ho: $670 a month against $1,594 in Sofia, rent and utilities included – about $11,100 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
78

Cost of Living Index in Sofia
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Sofia Living Index

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🇬🇭 Ghana

$670

/mo nomad

Sofia

🇧🇬 Bulgaria

$1,594

/mo nomad

Monthly Cost of Living

How much you'll spend in Ho and in Sofia

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 Sofia actually costs, broken down by who's living it.

Monthly costs for one person with rent: $670 in Ho versus $1,594 in Sofia.

Ho $670
Sofia $1,594

Estimated couple costs with rent: $1,129 in Ho versus $2,478 in Sofia.

Ho $1,129
Sofia $2,478

Monthly costs for a family of three with rent: $1,587 in Ho versus $3,361 in Sofia.

Ho $1,587
Sofia $3,361

Living in Ho costs roughly 58% less than in Sofia, and outside of rent the biggest gap is in clothing.

The two cities straddle the global median: Ho is 50% below, Sofia is 18% above.

Meal at Budget Restaurant

$8.24 GHS 95.6

$16.87 BGN 29.52

-51.16%

Three-Course Dinner for Two, Mid-Range

$50.8 GHS 589

$65.8 BGN 115

-22.87%

Fast Food Meal (McDonalds, etc)

$10.32 GHS 120

$11.32 BGN 19.80

-8.83%

Cappuccino

$4.31 GHS 50.0

$3.43 BGN 6.01

25.66%

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

$1.59 GHS 18.47

$2.41 BGN 4.22

-34.02%

Water (0.33 liter bottle)

$0.48 GHS 5.59

$1.85 BGN 3.23

-74.05%

Local Beer (0.5 liter draught)

$1.84 GHS 21.32

$3.70 BGN 6.48

-50.27%

Imported Beer (0.33 liter bottle)

$2.19 GHS 25.45

$4.58 BGN 8.02

-52.18%

Milk (1 liter)

$3.66 GHS 42.45

$2.02 BGN 3.53

81.19%

White Bread (500g)

$1.67 GHS 19.42

$1.56 BGN 2.74

7.05%

Rice (white) (1kg)

$3.06 GHS 35.53

$2.33 BGN 4.07

31.33%

Eggs

$2.61 GHS 30.24

$4.36 BGN 7.63

-40.14%

Local Cheese (1kg)

$11.79 GHS 137

$11.76 BGN 20.59

0.26%

Chicken Fillets (1kg)

$7.18 GHS 83.3

$8.83 BGN 15.46

-18.69%

Beef Round Steak (1kg)

$9.75 GHS 113

$17.46 BGN 30.56

-44.16%

Apples (1kg)

$3.59 GHS 41.59

$2.15 BGN 3.76

66.98%

Banana (1kg)

$1.45 GHS 16.81

$1.98 BGN 3.46

-26.77%

Oranges (1kg)

$1.75 GHS 20.34

$1.93 BGN 3.39

-9.33%

Tomato (1kg)

$3.54 GHS 41.07

$4.24 BGN 7.42

-16.51%

Potato (1kg)

$2.76 GHS 31.97

$1.04 BGN 1.81

165.38%

Onion (1kg)

$2.65 GHS 30.69

$0.85 BGN 1.49

211.76%

Lettuce (1 head)

$0.70 GHS 8.06

$1.15 BGN 2.02

-39.13%

Water (1.5 liter bottle)

$0.61 GHS 7.03

$0.89 BGN 1.57

-31.46%

Cigarettes 20 Pack (Marlboro, Camel)

$2.61 GHS 30.22

$4.21 BGN 7.37

-38.00%

Wine (Bottle)

$7.19 GHS 83.4

$7.46 BGN 13.05

-3.62%

Local Beer (0.5 liter bottle)

$1.28 GHS 14.88

$1.15 BGN 2.02

11.30%

Imported Beer (0.33 liter bottle)

$2.40 GHS 27.84

$1.85 BGN 3.25

29.73%

One-way Ticket (Public Transport)

$0.87 BGN 1.52

Public Transport Monthly Pass (Regular Price)

$28.53 BGN 49.93

Taxi Start (Normal Tariff)

$1.68 GHS 19.46

$1.68 BGN 2.95

Taxi (Normal Tariff) (1km)

$1.24 GHS 14.34

$0.94 BGN 1.64

31.91%

Taxi 1hour Waiting (Normal Tariff)

$4.13 GHS 47.85

$15.35 BGN 26.86

-73.09%

Gasoline (1 liter)

$1.33 GHS 15.47

$1.69 BGN 2.96

-21.30%

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

$8,092 GHS 93.9K

$29.8K BGN 52.1K

-72.85%

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

$9,939 GHS 115.3K

$26.1K BGN 45.7K

-61.97%

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

$73.8 GHS 856

$156 BGN 273

-52.74%

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

$19.36 GHS 225

$21.56 BGN 37.74

-10.20%

Internet (50+ Mbps, Unlimited Data)

$41.97 GHS 487

$15.24 BGN 26.66

175.39%

Gym Membership (Monthly)

$46.08 BGN 80.6

Tennis Court (1 Hour on Weekend)

$27.92 BGN 48.86

Cinema Ticket

$12.68 GHS 147

$10.18 BGN 17.82

24.56%

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

$454 GHS 5,265

$774 BGN 1,355

-41.38%

International Primary School, 1 Child (Yearly)

$18.6K GHS 215.9K

$12.8K BGN 22.4K

45.38%

Jeans (Levis 501 Or Similar)

$14.36 GHS 167

$89.9 BGN 157

-84.03%

Summer Dress (H&M, Zara, etc)

$18.72 GHS 217

$41.29 BGN 72.3

-54.66%

Sport Shoes (Adidas, Nike)

$35.80 GHS 415

$105 BGN 184

-65.95%

Men's Leather Business Shoes

$52.0 GHS 604

$107 BGN 187

-51.23%

1-bedroom Apartment, City Center (Monthly)

$783 BGN 1,370

1-bedroom Apartment, Outside City Center (Monthly)

$597 BGN 1,044

3-bedroom Apartment, City Center (Monthly)

$1,516 BGN 2,653

3-bedroom Apartment, Outside City Center (Monthly)

$1,030 BGN 1,803

Buy Apartment in City Center (m2)

$4,350 BGN 7,612

Buy Apartment Outside City Center (m2)

$3,177 BGN 5,560

Average Monthly Net Salary (After Tax)

$1,735 BGN 3,037

20-Year Fixed Mortgage Interest Rate (Annual %)

26.75

2.89

825.61%

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

Last update for Ho: October 10, 2026

Last update for Sofia: October 13, 2026

Monthly budget structure

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

Groceries & Markets

$277 41.3%

Sofia

$290 18.2% 4.8% $13

Eating Out

$171 25.4%

Sofia

$255 16% 49.4% $84

Monthly Utilities & Internet

$135 20.2%

Sofia

$193 12.1% 42.8% $58

Clothing & Footwear

$54 8.1%

Sofia

$154 9.7% 184% $100

Sport & Entertainment

$25 * 3.8%

Sofia

$66 4.2% 162% $41

Getting Around

$7.9 * 1.2%

Sofia

$38 2.4% 388% $31

Accommodation & Living

- * 0%

Sofia

$597 37.4%

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

Cost Breakdown

Dining out: $51.0 in Ho vs $66.0 in Sofia for a mid-range dinner for two. Groceries echo the gap at $277 vs $290 per month, with Ho cheaper across the board.

Good to know

🇬🇭 Ho

🇧🇬 Sofia

🕒 Local time

12:13 12:13 PM

15:13 3:13 PM

3 h ahead of Ho

🌤 Weather

👥 Population

83,715

1,286,383 Capital

💱 Currency

Ghanaian Cedi GHS ₵

Bulgarian Lev BGN лв.

📈 Exchange rate

100 GHS = 8.62 USD

100 GHS = 7.69 EUR

1 BGN = 0.571 USD

1 BGN = 0.509 EUR

Exchange rates and currency converter

BGN, 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).

Bulgarian Lev exchange rates as of October 16, 2026: 1 USD = 1.75 BGN (1 BGN = 0.571 USD). 1 EUR = 1.96 BGN (1 BGN = 0.509 EUR).

USD to GHS in detail →

On the map

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Between locations

Ho Sofia 4,600 km ≈ 6 h nonstop flight

From you

Ho
Sofia

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 Sofia: Cost of Living - Frequently Asked Questions

Ho and Sofia differ by about 138% in total monthly costs ($670 vs $1,594 including rent). Ho is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $1,005 in Ho and $2,391 in Sofia to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Childcare runs $454 in Ho versus $774 in Sofia. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ho – a meal for two runs $51.0 versus $66.0 in Sofia. If you eat out regularly, this makes a real dent in your monthly spending.

At $670 in Ho versus $1,594 in Sofia, a $2,000 budget is realistic in Ho but tight or insufficient in Sofia. The gap between the two cities makes Ho the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ho and Sofia are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ho gentler on the wallet – expenses run 138% less than in Sofia. Beyond cost, consider language, visa policies, and how big the international community is in each city.