Cost of Living Comparison Between Ho and Tema Cost of Living Comparison Between Ho and Tema

Monthly Cost of Living

Monthly costs for one person with rent: $351 in Ho versus $611 in Tema.

Estimated couple costs with rent: $559 in Ho versus $989 in Tema.

Monthly costs for a family of three with rent: $767 in Ho versus $1,367 in Tema.

Living in Ho costs roughly 43% less than in Tema, driven mainly by Eating Out.

Both cities sit below the global median: Ho 74% lower, Tema 54% lower.

Meal at Budget Restaurant

$3.00 GHS 35.43

$7.50 GHS 88.5

-60.00%

Three-Course Dinner for Two, Mid-Range

$9.69 GHS 114

$27.73 GHS 327

-65.06%

Fast Food Meal (McDonalds, etc)

$3.80 GHS 44.86

$8.18 GHS 96.5

-53.55%

Cappuccino

$1.44 GHS 16.98

$1.46 GHS 17.22

-1.37%

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

$0.51 GHS 6.06

$1.00 GHS 11.84

-49.00%

Water (0.33 liter bottle)

$0.30 GHS 3.56

$0.33 GHS 3.95

-9.09%

Local Beer (0.5 liter draught)

$0.51 GHS 6.05

$1.74 GHS 20.48

-70.69%

Imported Beer (0.33 liter bottle)

$0.82 GHS 9.63

$2.69 GHS 31.79

-69.52%

Milk (1 liter)

$1.18 GHS 13.96

$2.98 GHS 35.12

-60.40%

White Bread (500g)

$0.47 GHS 5.54

$1.68 GHS 19.79

-72.02%

Rice (white) (1kg)

$0.80 GHS 9.43

$1.55 GHS 18.31

-48.39%

Eggs

$2.32 GHS 27.36

$2.18 GHS 25.77

6.42%

Local Cheese (1kg)

$11.10 GHS 131

$3.72 GHS 43.95

198.39%

Chicken Fillets (1kg)

$4.43 GHS 52.2

$2.73 GHS 32.25

62.27%

Beef Round Steak (1kg)

$5.49 GHS 64.8

$2.44 GHS 28.77

125.00%

Apples (1kg)

$2.12 GHS 24.96

$2.71 GHS 31.92

-21.77%

Banana (1kg)

$1.00 GHS 11.79

$2.08 GHS 24.50

-51.92%

Oranges (1kg)

$0.93 GHS 10.97

$2.07 GHS 24.39

-55.07%

Tomato (1kg)

$1.02 GHS 12.01

$2.89 GHS 34.14

-64.71%

Potato (1kg)

$1.91 GHS 22.48

$1.84 GHS 21.71

3.80%

Onion (1kg)

$0.99 GHS 11.71

$1.97 GHS 23.27

-49.75%

Lettuce (1 head)

$0.28 GHS 3.29

$0.61 GHS 7.20

-54.10%

Water (1.5 liter bottle)

$0.48 GHS 5.63

$0.82 GHS 9.68

-41.46%

Cigarettes 20 Pack (Marlboro, Camel)

$1.63 GHS 19.24

Wine (Bottle)

$6.86 GHS 81.0

$7.21 GHS 85.1

-4.85%

Local Beer (0.5 liter bottle)

$0.60 GHS 7.03

$0.82 GHS 9.71

-26.83%

Imported Beer (0.33 liter bottle)

$1.19 GHS 14.02

One-way Ticket (Public Transport)

$2.03 GHS 23.99

Public Transport Monthly Pass (Regular Price)

$39.80 GHS 470

Taxi Start (Normal Tariff)

$1.55 GHS 18.30

$1.42 GHS 16.72

9.15%

Taxi (Normal Tariff) (1km)

$1.21 GHS 14.23

$0.77 GHS 9.05

57.14%

Taxi 1hour Waiting (Normal Tariff)

$5.51 GHS 65.0

Gasoline (1 liter)

$0.94 GHS 11.12

$1.19 GHS 14.05

-21.01%

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

$5,920 GHS 69.9K

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

$7,700 GHS 90.9K

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

$24.09 GHS 284

$30.84 GHS 364

-21.89%

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

$13.29 GHS 157

$12.26 GHS 145

8.40%

Internet (50+ Mbps, Unlimited Data)

$14.52 GHS 171

$64.6 GHS 762

-77.53%

Gym Membership (Monthly)

$19.37 GHS 229

Cinema Ticket

$9.66 GHS 114

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

$73.9 GHS 872

$82.4 GHS 972

-10.26%

International Primary School, 1 Child (Yearly)

$8,008 GHS 94.5K

Jeans (Levis 501 Or Similar)

$14.80 GHS 175

$25.07 GHS 296

-40.97%

Summer Dress (H&M, Zara, etc)

$18.73 GHS 221

$24.67 GHS 291

-24.08%

Sport Shoes (Adidas, Nike)

$28.61 GHS 338

$45.82 GHS 541

-37.56%

Men's Leather Business Shoes

$41.64 GHS 491

$60.6 GHS 715

-31.31%

1-bedroom Apartment, City Center (Monthly)

$117 GHS 1,378

1-bedroom Apartment, Outside City Center (Monthly)

$66.6 GHS 786

3-bedroom Apartment, Outside City Center (Monthly)

$139 GHS 1,638

Buy Apartment in City Center (m2)

$10.0K GHS 118.2K

Buy Apartment Outside City Center (m2)

$6,030 GHS 71.2K

Average Monthly Net Salary (After Tax)

$390 GHS 4,600

20-Year Fixed Mortgage Interest Rate (Annual %)

25.4

32.5

-21.85%

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

Last update for Ho: May 31, 2026

Last update for Tema: May 31, 2026

Cost Breakdown

Dining out: $10.00 in Ho vs $28.00 in Tema for a mid-range dinner for two. Groceries echo the gap at $160 vs $183 per month, with Ho cheaper across the board.

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 Tema: Cost of Living - Frequently Asked Questions

Ho and Tema differ by about 74% in total monthly costs ($351 vs $611 including rent). Ho is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $527 in Ho and $916 in Tema 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 $73.9 in Ho versus $82.4 in Tema. 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 $10.00 versus $28.00 in Tema. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $1,200 a month, though Ho gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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 Tema 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 74% less than in Tema. Beyond cost, consider language, visa policies, and how big the international community is in each city.