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: $704 in Ho versus $776 in Tema.

Estimated couple costs with rent: $1,184 in Ho versus $1,229 in Tema.

Monthly costs for a family of three with rent: $1,664 in Ho versus $1,682 in Tema.

Living in Ho costs roughly 9% less than in Tema, driven mainly by Groceries & Markets.

Both cities sit below the global median: Ho 49% lower, Tema 44% lower.

Meal at Budget Restaurant

$8.09 GHS 92.4

$7.06 GHS 80.6

14.59%

Three-Course Dinner for Two, Mid-Range

$53.0 GHS 605

$28.37 GHS 324

86.64%

Fast Food Meal (McDonalds, etc)

$10.70 GHS 122

Cappuccino

$4.56 GHS 52.1

$5.36 GHS 61.2

-14.93%

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

$1.63 GHS 18.60

$0.91 GHS 10.43

79.12%

Water (0.33 liter bottle)

$0.48 GHS 5.52

$0.29 GHS 3.28

65.52%

Local Beer (0.5 liter draught)

$1.85 GHS 21.11

$3.29 GHS 37.60

-43.77%

Imported Beer (0.33 liter bottle)

$2.28 GHS 26.02

$2.68 GHS 30.61

-14.93%

Milk (1 liter)

$3.81 GHS 43.51

$3.29 GHS 37.53

15.81%

White Bread (500g)

$1.75 GHS 19.94

$1.62 GHS 18.49

8.02%

Rice (white) (1kg)

$3.11 GHS 35.57

$2.08 GHS 23.70

49.52%

Eggs

$2.75 GHS 31.38

$2.46 GHS 28.09

11.79%

Local Cheese (1kg)

$12.21 GHS 139

$4.32 GHS 49.38

182.64%

Chicken Fillets (1kg)

$7.32 GHS 83.6

$3.39 GHS 38.74

115.93%

Beef Round Steak (1kg)

$10.02 GHS 114

$3.64 GHS 41.54

175.27%

Apples (1kg)

$3.77 GHS 43.07

$2.61 GHS 29.77

44.44%

Banana (1kg)

$1.50 GHS 17.13

$2.25 GHS 25.64

-33.33%

Oranges (1kg)

$1.79 GHS 20.44

$2.24 GHS 25.54

-20.09%

Tomato (1kg)

$3.68 GHS 42.02

$3.53 GHS 40.36

4.25%

Potato (1kg)

$2.79 GHS 31.85

$3.60 GHS 41.07

-22.50%

Onion (1kg)

$2.72 GHS 31.02

$2.96 GHS 33.84

-8.11%

Lettuce (1 head)

$0.79 GHS 8.99

$0.46 GHS 5.23

71.74%

Water (1.5 liter bottle)

$0.62 GHS 7.10

$0.73 GHS 8.37

-15.07%

Cigarettes 20 Pack (Marlboro, Camel)

$2.62 GHS 29.97

$1.34 GHS 15.31

95.52%

Wine (Bottle)

$7.42 GHS 84.7

$9.05 GHS 103

-18.01%

Local Beer (0.5 liter bottle)

$1.31 GHS 15.01

$2.15 GHS 24.60

-39.07%

Imported Beer (0.33 liter bottle)

$2.39 GHS 27.32

$3.02 GHS 34.51

-20.86%

One-way Ticket (Public Transport)

$1.82 GHS 20.79

Public Transport Monthly Pass (Regular Price)

$43.17 GHS 493

Taxi Start (Normal Tariff)

$1.77 GHS 20.19

$2.16 GHS 24.67

-18.06%

Taxi (Normal Tariff) (1km)

$1.29 GHS 14.77

$0.43 GHS 4.91

200.00%

Taxi 1hour Waiting (Normal Tariff)

$4.53 GHS 51.8

Gasoline (1 liter)

$1.36 GHS 15.49

$1.17 GHS 13.35

16.24%

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

$7,948 GHS 90.8K

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

$9,946 GHS 113.6K

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

$75.5 GHS 862

$78.6 GHS 897

-3.93%

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

$19.73 GHS 225

$15.52 GHS 177

27.13%

Internet (50+ Mbps, Unlimited Data)

$44.14 GHS 504

$84.3 GHS 963

-47.64%

Gym Membership (Monthly)

$24.78 GHS 283

Cinema Ticket

$13.30 GHS 152

$8.72 GHS 99.5

52.52%

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

$465 GHS 5,315

$177 GHS 2,022

162.88%

International Primary School, 1 Child (Yearly)

$18.3K GHS 208.9K

$2,633 GHS 30.1K

594.67%

Jeans (Levis 501 Or Similar)

$14.58 GHS 166

$13.25 GHS 151

10.04%

Summer Dress (H&M, Zara, etc)

$19.31 GHS 221

$16.17 GHS 185

19.42%

Sport Shoes (Adidas, Nike)

$37.50 GHS 428

$44.66 GHS 510

-16.03%

Men's Leather Business Shoes

$53.1 GHS 607

$33.62 GHS 384

58.00%

1-bedroom Apartment, City Center (Monthly)

$131 GHS 1,493

1-bedroom Apartment, Outside City Center (Monthly)

$74.7 GHS 853

3-bedroom Apartment, City Center (Monthly)

$449 GHS 5,132

3-bedroom Apartment, Outside City Center (Monthly)

$219 GHS 2,496

Buy Apartment in City Center (m2)

$10.1K GHS 114.8K

Buy Apartment Outside City Center (m2)

$5,994 GHS 68.4K

Average Monthly Net Salary (After Tax)

$433 GHS 4,947

20-Year Fixed Mortgage Interest Rate (Annual %)

26.75

-23.57%

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

Last update for Ho: September 6, 2026

Last update for Tema: September 7, 2026

Cost Breakdown

Dining out: $53.0 in Ho vs $28.00 in Tema for a mid-range dinner for two. Groceries echo the gap at $286 vs $223 per month, with Tema 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 10% in total monthly costs ($704 vs $776 including rent). Ho is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $1,056 in Ho and $1,165 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 $465 in Ho versus $177 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 $53.0 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 10% less than in Tema. Beyond cost, consider language, visa policies, and how big the international community is in each city.