Cost of Living Comparison Between Kumasi and Tema Cost of Living Comparison Between Kumasi and Tema

Monthly Cost of Living

A single person spends $429 per month in Kumasi vs $608 in Tema, rent included.

A couple spends around $717 per month in Kumasi vs $984 in Tema, rent included.

A family of three spends $1,006 per month in Kumasi vs $1,360 in Tema, rent included.

Kumasi is about 30% cheaper than Tema, driven mainly by Eating Out.

Both Kumasi and Tema are more affordable than the global median – Kumasi 68% lower, Tema 55% lower.

Meal at Budget Restaurant

$2.78 GHS 30.63

$7.23 GHS 79.5

-61.55%

Three-Course Dinner for Two, Mid-Range

$32.23 GHS 355

$27.52 GHS 303

17.11%

Fast Food Meal (McDonalds, etc)

$7.75 GHS 85.2

$7.79 GHS 85.7

-0.51%

Cappuccino

$0.82 GHS 9.07

$1.52 GHS 16.70

-46.05%

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

$0.55 GHS 6.09

$1.03 GHS 11.37

-46.60%

Water (0.33 liter bottle)

$0.21 GHS 2.30

$0.31 GHS 3.40

-32.26%

Local Beer (0.5 liter draught)

$0.83 GHS 9.09

$1.71 GHS 18.85

-51.46%

Imported Beer (0.33 liter bottle)

$1.59 GHS 17.52

$2.67 GHS 29.35

-40.45%

Milk (1 liter)

$1.78 GHS 19.56

$3.05 GHS 33.53

-41.64%

White Bread (500g)

$1.49 GHS 16.38

$1.65 GHS 18.14

-9.70%

Rice (white) (1kg)

$1.66 GHS 18.28

$1.50 GHS 16.45

10.67%

Eggs

$2.18 GHS 24.02

$2.17 GHS 23.89

0.46%

Local Cheese (1kg)

$5.74 GHS 63.2

$3.60 GHS 39.57

59.44%

Chicken Fillets (1kg)

$4.46 GHS 49.04

$2.64 GHS 29.03

68.94%

Beef Round Steak (1kg)

$4.97 GHS 54.7

$2.44 GHS 26.89

103.69%

Apples (1kg)

$1.67 GHS 18.39

$2.79 GHS 30.65

-40.14%

Banana (1kg)

$0.78 GHS 8.58

$1.99 GHS 21.89

-60.80%

Oranges (1kg)

$0.78 GHS 8.60

$2.07 GHS 22.81

-62.32%

Tomato (1kg)

$1.98 GHS 21.82

$2.94 GHS 32.39

-32.65%

Potato (1kg)

$1.69 GHS 18.55

$1.80 GHS 19.83

-6.11%

Onion (1kg)

$1.14 GHS 12.51

$1.98 GHS 21.81

-42.42%

Lettuce (1 head)

$0.76 GHS 8.35

$0.60 GHS 6.63

26.67%

Water (1.5 liter bottle)

$0.52 GHS 5.68

$0.83 GHS 9.12

-37.35%

Cigarettes 20 Pack (Marlboro, Camel)

$0.78 GHS 8.58

Wine (Bottle)

$1.24 GHS 13.60

$6.88 GHS 75.7

-81.98%

Local Beer (0.5 liter bottle)

$1.12 GHS 12.29

$0.87 GHS 9.58

28.74%

Imported Beer (0.33 liter bottle)

$1.86 GHS 20.50

One-way Ticket (Public Transport)

$0.39 GHS 4.28

$2.00 GHS 22.05

-80.50%

Public Transport Monthly Pass (Regular Price)

$19.86 GHS 218

$39.98 GHS 440

-50.33%

Taxi Start (Normal Tariff)

$0.84 GHS 9.27

$1.42 GHS 15.57

-40.85%

Taxi (Normal Tariff) (1km)

$1.17 GHS 12.90

$0.72 GHS 7.92

62.50%

Taxi 1hour Waiting (Normal Tariff)

$1.60 GHS 17.61

Gasoline (1 liter)

$1.10 GHS 12.12

$1.22 GHS 13.46

-9.84%

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

$7,965 GHS 87.6K

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

$9,648 GHS 106.1K

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

$40.78 GHS 449

$30.56 GHS 336

33.44%

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

$13.14 GHS 145

$12.40 GHS 136

5.97%

Internet (50+ Mbps, Unlimited Data)

$37.13 GHS 408

$63.9 GHS 703

-41.91%

Gym Membership (Monthly)

$28.70 GHS 316

$19.29 GHS 212

48.78%

Cinema Ticket

$9.47 GHS 104

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

$72.0 GHS 792

$83.0 GHS 913

-13.26%

International Primary School, 1 Child (Yearly)

$5,500 GHS 60.5K

Jeans (Levis 501 Or Similar)

$14.78 GHS 163

$24.85 GHS 273

-40.52%

Summer Dress (H&M, Zara, etc)

$18.51 GHS 204

$25.05 GHS 276

-26.11%

Sport Shoes (Adidas, Nike)

$29.41 GHS 324

$45.65 GHS 502

-35.58%

Men's Leather Business Shoes

$41.83 GHS 460

$62.2 GHS 684

-32.71%

1-bedroom Apartment, City Center (Monthly)

$117 GHS 1,282

1-bedroom Apartment, Outside City Center (Monthly)

$66.2 GHS 728

3-bedroom Apartment, Outside City Center (Monthly)

$137 GHS 1,506

Buy Apartment in City Center (m2)

$9,866 GHS 108.5K

Buy Apartment Outside City Center (m2)

$5,964 GHS 65.6K

Average Monthly Net Salary (After Tax)

$313 GHS 3,445

$412 GHS 4,531

-23.96%

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 Kumasi: June 7, 2026

Last update for Tema: June 9, 2026

Cost Breakdown

Salaries run about 32% higher in Tema, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $32.00 in Kumasi versus $28.00 in Tema. Groceries tell a different story – $157 in Kumasi vs $182 in Tema – so Kumasi wins on supermarket bills even if dining out costs more.

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

Kumasi vs Tema: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $429 in Kumasi, $608 in Tema – roughly 42% apart. Tema costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $643 per month in Kumasi and $912 in Tema. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Groceries cost about 16% more in Tema, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $32.00 in Kumasi and $28.00 in Tema. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

$1,200 covers both cities comfortably – all-in costs are $429 in Kumasi and $608 in Tema, leaving budget for savings and extras in both cases.

Families tend to lean toward Kumasi – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Kumasi. If higher salaries, better infrastructure, or specific career opportunities are the priority, Tema makes more sense. Both are solid long-term options with distinct trade-offs.