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: $350 in Ho versus $624 in Tema.

Estimated couple costs with rent: $560 in Ho versus $995 in Tema.

Monthly costs for a family of three with rent: $770 in Ho versus $1,365 in Tema.

Living in Ho costs roughly 44% less than in Tema, driven mainly by Eating Out.

Both cities sit below the global median: Ho 74% lower, Tema 53% lower.

Meal at Budget Restaurant

$2.90 GHS 33.54

$7.19 GHS 83.0

-59.67%

Three-Course Dinner for Two, Mid-Range

$9.87 GHS 114

$27.76 GHS 321

-64.45%

Fast Food Meal (McDonalds, etc)

$3.94 GHS 45.46

$7.82 GHS 90.3

-49.62%

Cappuccino

$1.50 GHS 17.31

$1.46 GHS 16.84

2.74%

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

$0.50 GHS 5.79

$1.04 GHS 12.05

-51.92%

Water (0.33 liter bottle)

$0.28 GHS 3.22

$0.31 GHS 3.57

-9.68%

Local Beer (0.5 liter draught)

$0.47 GHS 5.49

$1.74 GHS 20.04

-72.99%

Imported Beer (0.33 liter bottle)

$0.81 GHS 9.35

$2.67 GHS 30.81

-69.66%

Milk (1 liter)

$1.20 GHS 13.87

$3.05 GHS 35.25

-60.66%

White Bread (500g)

$0.51 GHS 5.88

$1.62 GHS 18.66

-68.52%

Rice (white) (1kg)

$0.76 GHS 8.74

$1.56 GHS 18.06

-51.28%

Eggs

$2.29 GHS 26.45

$2.19 GHS 25.24

4.57%

Local Cheese (1kg)

$11.10 GHS 128

$3.66 GHS 42.30

203.28%

Chicken Fillets (1kg)

$4.32 GHS 49.86

$2.64 GHS 30.46

63.64%

Beef Round Steak (1kg)

$5.50 GHS 63.5

$2.41 GHS 27.83

128.22%

Apples (1kg)

$2.10 GHS 24.26

$2.83 GHS 32.68

-25.80%

Banana (1kg)

$0.94 GHS 10.83

$2.02 GHS 23.38

-53.47%

Oranges (1kg)

$1.00 GHS 11.57

$2.09 GHS 24.13

-52.15%

Tomato (1kg)

$1.02 GHS 11.73

$2.86 GHS 32.98

-64.34%

Potato (1kg)

$1.93 GHS 22.35

$1.82 GHS 20.99

6.04%

Onion (1kg)

$0.99 GHS 11.47

$1.99 GHS 22.93

-50.25%

Lettuce (1 head)

$0.28 GHS 3.22

$0.64 GHS 7.39

-56.25%

Water (1.5 liter bottle)

$0.51 GHS 5.88

$0.88 GHS 10.13

-42.05%

Cigarettes 20 Pack (Marlboro, Camel)

$1.59 GHS 18.32

Wine (Bottle)

$7.34 GHS 84.8

$7.04 GHS 81.3

4.26%

Local Beer (0.5 liter bottle)

$0.60 GHS 6.92

$0.88 GHS 10.11

-31.82%

Imported Beer (0.33 liter bottle)

$1.18 GHS 13.67

One-way Ticket (Public Transport)

$2.10 GHS 24.28

Public Transport Monthly Pass (Regular Price)

$40.03 GHS 462

Taxi Start (Normal Tariff)

$1.54 GHS 17.80

$1.36 GHS 15.76

13.24%

Taxi (Normal Tariff) (1km)

$1.16 GHS 13.41

$0.76 GHS 8.76

52.63%

Taxi 1hour Waiting (Normal Tariff)

$5.41 GHS 62.5

Gasoline (1 liter)

$0.93 GHS 10.77

$1.20 GHS 13.81

-22.50%

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

$5,726 GHS 66.1K

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

$7,738 GHS 89.4K

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

$24.12 GHS 279

$31.32 GHS 362

-22.99%

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

$13.47 GHS 156

$12.42 GHS 143

8.45%

Internet (50+ Mbps, Unlimited Data)

$14.43 GHS 167

$64.6 GHS 746

-77.66%

Gym Membership (Monthly)

$19.29 GHS 223

Cinema Ticket

$9.79 GHS 113

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

$73.7 GHS 851

$83.0 GHS 958

-11.23%

International Primary School, 1 Child (Yearly)

$8,054 GHS 93.0K

Jeans (Levis 501 Or Similar)

$14.85 GHS 172

$24.46 GHS 282

-39.29%

Summer Dress (H&M, Zara, etc)

$18.77 GHS 217

$24.21 GHS 280

-22.47%

Sport Shoes (Adidas, Nike)

$29.42 GHS 340

$45.56 GHS 526

-35.43%

Men's Leather Business Shoes

$41.53 GHS 480

$61.8 GHS 714

-32.80%

1-bedroom Apartment, City Center (Monthly)

$118 GHS 1,364

1-bedroom Apartment, Outside City Center (Monthly)

$65.8 GHS 760

3-bedroom Apartment, Outside City Center (Monthly)

$136 GHS 1,575

Buy Apartment in City Center (m2)

$9,960 GHS 115.0K

Buy Apartment Outside City Center (m2)

$6,047 GHS 69.8K

Average Monthly Net Salary (After Tax)

$414 GHS 4,777

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: July 12, 2026

Last update for Tema: July 13, 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 $161 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 79% in total monthly costs ($350 vs $624 including rent). Ho is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $524 in Ho and $937 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 $73.7 in Ho versus $83.0 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 79% less than in Tema. Beyond cost, consider language, visa policies, and how big the international community is in each city.