Last update: Oct 2026

Cost of Living Comparison Between Ho and Tema

For one person, living is cheaper in Ho: $683 a month against $746 in Tema, rent and utilities included – about $760 less a year. Higher rent and utilities in Tema outweigh lower spending on other living expenses.

33

Cost of Living Index in Ho
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Ho Living Index
36

Cost of Living Index in Tema
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Tema Living Index

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🇬🇭 Ghana

$683

/mo nomad

Tema

🇬🇭 Ghana

$746

/mo nomad

Monthly Cost of Living

How much you'll spend in Ho and in Tema

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

Monthly costs for one person with rent: $683 in Ho versus $746 in Tema.

Ho $683
Tema $746

Estimated couple costs with rent: $1,149 in Ho versus $1,186 in Tema.

Ho $1,149
Tema $1,186

Monthly costs for a family of three with rent: $1,615 in Ho versus $1,627 in Tema.

Ho $1,615
Tema $1,627

Living in Ho costs roughly 8% less than in Tema, and outside of rent the biggest gap is in transport.

Both cities sit below the global median: Ho 50% lower, Tema 45% lower.

Meal at Budget Restaurant

$8.69 GHS 101

$7.04 GHS 81.6

23.44%

Three-Course Dinner for Two, Mid-Range

$51.2 GHS 593

$27.68 GHS 321

84.97%

Fast Food Meal (McDonalds, etc)

$10.18 GHS 118

Cappuccino

$4.50 GHS 52.1

$5.09 GHS 59.0

-11.59%

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

$1.56 GHS 18.07

$0.85 GHS 9.79

83.53%

Water (0.33 liter bottle)

$0.47 GHS 5.48

$0.30 GHS 3.48

56.67%

Local Beer (0.5 liter draught)

$1.84 GHS 21.27

$3.31 GHS 38.31

-44.41%

Imported Beer (0.33 liter bottle)

$2.20 GHS 25.49

$2.56 GHS 29.59

-14.06%

Milk (1 liter)

$3.57 GHS 41.36

$3.25 GHS 37.67

9.85%

White Bread (500g)

$1.66 GHS 19.21

$1.54 GHS 17.83

7.79%

Rice (white) (1kg)

$3.10 GHS 35.89

$1.98 GHS 22.93

56.57%

Eggs

$2.60 GHS 30.13

$2.37 GHS 27.44

9.70%

Local Cheese (1kg)

$11.85 GHS 137

$4.27 GHS 49.40

177.52%

Chicken Fillets (1kg)

$7.48 GHS 86.6

$3.18 GHS 36.79

135.22%

Beef Round Steak (1kg)

$10.09 GHS 117

$3.43 GHS 39.70

194.17%

Apples (1kg)

$3.75 GHS 43.37

$2.63 GHS 30.42

42.59%

Banana (1kg)

$1.41 GHS 16.27

$2.11 GHS 24.42

-33.18%

Oranges (1kg)

$1.78 GHS 20.60

$2.20 GHS 25.43

-19.09%

Tomato (1kg)

$3.53 GHS 40.89

$3.48 GHS 40.33

1.44%

Potato (1kg)

$2.79 GHS 32.32

$3.34 GHS 38.69

-16.47%

Onion (1kg)

$2.78 GHS 32.19

$2.75 GHS 31.86

1.09%

Lettuce (1 head)

$0.75 GHS 8.63

$0.44 GHS 5.14

70.45%

Water (1.5 liter bottle)

$0.58 GHS 6.68

$0.66 GHS 7.60

-12.12%

Cigarettes 20 Pack (Marlboro, Camel)

$2.53 GHS 29.31

$1.32 GHS 15.26

91.67%

Wine (Bottle)

$7.03 GHS 81.5

$8.67 GHS 100

-18.92%

Local Beer (0.5 liter bottle)

$1.29 GHS 14.95

$2.16 GHS 25.07

-40.28%

Imported Beer (0.33 liter bottle)

$2.40 GHS 27.79

$3.04 GHS 35.22

-21.05%

One-way Ticket (Public Transport)

$1.69 GHS 19.58

Public Transport Monthly Pass (Regular Price)

$41.27 GHS 478

Taxi Start (Normal Tariff)

$1.75 GHS 20.22

$2.11 GHS 24.45

-17.06%

Taxi (Normal Tariff) (1km)

$1.32 GHS 15.28

$0.41 GHS 4.80

221.95%

Taxi 1hour Waiting (Normal Tariff)

$4.37 GHS 50.6

Gasoline (1 liter)

$1.36 GHS 15.69

$1.14 GHS 13.22

19.30%

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

$7,868 GHS 91.1K

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

$20.2K GHS 234.5K

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

$74.6 GHS 863

$76.6 GHS 887

-2.60%

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

$19.63 GHS 227

$14.89 GHS 172

31.83%

Internet (50+ Mbps, Unlimited Data)

$43.36 GHS 502

$83.0 GHS 961

-47.75%

Gym Membership (Monthly)

$23.21 GHS 269

Cinema Ticket

$13.15 GHS 152

$8.76 GHS 101

50.11%

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

$463 GHS 5,366

$174 GHS 2,012

166.69%

International Primary School, 1 Child (Yearly)

$18.8K GHS 218.1K

$2,582 GHS 29.9K

629.43%

Jeans (Levis 501 Or Similar)

$14.51 GHS 168

$12.97 GHS 150

11.87%

Summer Dress (H&M, Zara, etc)

$18.97 GHS 220

$15.23 GHS 176

24.56%

Sport Shoes (Adidas, Nike)

$36.41 GHS 422

$43.68 GHS 506

-16.64%

Men's Leather Business Shoes

$53.2 GHS 616

$32.85 GHS 380

61.89%

1-bedroom Apartment, City Center (Monthly)

$127 GHS 1,469

1-bedroom Apartment, Outside City Center (Monthly)

$72.0 GHS 833

3-bedroom Apartment, City Center (Monthly)

$436 GHS 5,048

3-bedroom Apartment, Outside City Center (Monthly)

$217 GHS 2,511

Buy Apartment in City Center (m2)

$9,800 GHS 113.5K

Buy Apartment Outside City Center (m2)

$5,945 GHS 68.8K

Average Monthly Net Salary (After Tax)

$419 GHS 4,854

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: October 26, 2026

Last update for Tema: October 25, 2026

Monthly budget structure

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

Groceries & Markets

$279 40.9%

Tema

$216 28.9% 22.8% $64

Eating Out

$176 25.7%

Tema

$144 * 19.3% 18.2% $32

Monthly Utilities & Internet

$138 20.2%

Tema

$174 23.4% 26.8% $37

Clothing & Footwear

$55 8.1%

Tema

$47 6.3% 14.9% $8.3

Sport & Entertainment

$26 * 3.9%

Tema

$41 5.5% 54.8% $14

Getting Around

$8.3 * 1.2%

Tema

$52 7% 526% $44

Accommodation & Living

- * 0%

Tema

$72 9.7%

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

Cost Breakdown

Dining out: $51 in Ho vs $28 in Tema for a mid-range dinner for two. Groceries echo the gap at $279 vs $216 per month, with Tema cheaper across the board.

Good to know

🇬🇭 Ho

🇬🇭 Tema

🕒 Local time

18:38 6:38 PM

Same time as Ho

🌤 Weather

👥 Population

83,715

160,000

💱 Currency

Ghanaian Cedi GHS ₵

📈 Exchange rate

100 GHS = 8.64 USD

100 GHS = 7.76 EUR

100 GHS = 8.64 USD

100 GHS = 7.76 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Ho Tema 120 km

From you

Ho
Tema

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 Tema: Cost of Living - Frequently Asked Questions

Ho and Tema differ by about 9% in total monthly costs ($683 vs $746 including rent). Ho is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You’d need roughly $1,024 in Ho and $1,119 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 $463 in Ho versus $174 in Tema. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Tema – a meal for two runs $28 versus $51 in Ho. 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.