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

Monthly Cost of Living

A single person spends $441 per month in Kumasi vs $629 in Tema, rent included.

A couple spends around $735 per month in Kumasi vs $1,006 in Tema, rent included.

A family of three spends $1,030 per month in Kumasi vs $1,383 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 67% lower, Tema 53% lower.

Meal at Budget Restaurant

$2.82 GHS 32.95

$7.58 GHS 88.5

-62.80%

Three-Course Dinner for Two, Mid-Range

$31.97 GHS 373

$28.14 GHS 329

13.61%

Fast Food Meal (McDonalds, etc)

$7.59 GHS 88.6

$7.83 GHS 91.5

-3.07%

Cappuccino

$0.81 GHS 9.48

$1.49 GHS 17.45

-45.64%

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

$0.61 GHS 7.10

$1.01 GHS 11.76

-39.60%

Water (0.33 liter bottle)

$0.21 GHS 2.44

$0.33 GHS 3.88

-36.36%

Local Beer (0.5 liter draught)

$0.90 GHS 10.53

$1.75 GHS 20.41

-48.57%

Imported Beer (0.33 liter bottle)

$1.54 GHS 17.97

$2.66 GHS 31.06

-42.11%

Milk (1 liter)

$1.79 GHS 20.87

$2.94 GHS 34.39

-39.12%

White Bread (500g)

$1.49 GHS 17.44

$1.68 GHS 19.58

-11.31%

Rice (white) (1kg)

$1.67 GHS 19.50

$1.57 GHS 18.29

6.37%

Eggs

$2.18 GHS 25.45

$2.18 GHS 25.42

Local Cheese (1kg)

$5.90 GHS 68.9

$3.79 GHS 44.22

55.67%

Chicken Fillets (1kg)

$4.44 GHS 51.9

$2.72 GHS 31.76

63.24%

Beef Round Steak (1kg)

$4.69 GHS 54.8

$2.48 GHS 28.92

89.11%

Apples (1kg)

$1.68 GHS 19.66

$2.73 GHS 31.88

-38.46%

Banana (1kg)

$0.80 GHS 9.36

$1.99 GHS 23.27

-59.80%

Oranges (1kg)

$0.80 GHS 9.34

$2.02 GHS 23.61

-60.40%

Tomato (1kg)

$1.97 GHS 22.95

$2.80 GHS 32.66

-29.64%

Potato (1kg)

$1.68 GHS 19.60

$1.90 GHS 22.20

-11.58%

Onion (1kg)

$1.12 GHS 13.11

$1.90 GHS 22.19

-41.05%

Lettuce (1 head)

$0.80 GHS 9.37

$0.63 GHS 7.40

26.98%

Water (1.5 liter bottle)

$0.48 GHS 5.59

$0.83 GHS 9.69

-42.17%

Cigarettes 20 Pack (Marlboro, Camel)

$0.84 GHS 9.82

Wine (Bottle)

$1.30 GHS 15.19

$7.05 GHS 82.3

-81.56%

Local Beer (0.5 liter bottle)

$1.13 GHS 13.17

$0.83 GHS 9.66

36.14%

Imported Beer (0.33 liter bottle)

$1.86 GHS 21.75

One-way Ticket (Public Transport)

$0.42 GHS 4.88

$2.08 GHS 24.25

-79.81%

Public Transport Monthly Pass (Regular Price)

$19.90 GHS 232

$38.71 GHS 452

-48.59%

Taxi Start (Normal Tariff)

$0.83 GHS 9.70

$1.36 GHS 15.87

-38.97%

Taxi (Normal Tariff) (1km)

$1.17 GHS 13.63

$0.72 GHS 8.45

62.50%

Taxi 1hour Waiting (Normal Tariff)

$1.62 GHS 18.96

Gasoline (1 liter)

$1.10 GHS 12.88

$1.23 GHS 14.35

-10.57%

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

$7,848 GHS 91.7K

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

$9,763 GHS 114.0K

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

$41.21 GHS 481

$30.27 GHS 354

36.14%

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

$13.12 GHS 153

$12.18 GHS 142

7.72%

Internet (50+ Mbps, Unlimited Data)

$38.15 GHS 446

$63.4 GHS 740

-39.82%

Gym Membership (Monthly)

$28.31 GHS 331

$19.37 GHS 226

46.15%

Cinema Ticket

$9.49 GHS 111

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

$72.2 GHS 843

$83.9 GHS 980

-13.95%

International Primary School, 1 Child (Yearly)

$5,498 GHS 64.2K

Jeans (Levis 501 Or Similar)

$14.42 GHS 168

$24.15 GHS 282

-40.29%

Summer Dress (H&M, Zara, etc)

$19.03 GHS 222

$25.06 GHS 293

-24.06%

Sport Shoes (Adidas, Nike)

$28.90 GHS 338

$45.15 GHS 527

-35.99%

Men's Leather Business Shoes

$40.66 GHS 475

$62.5 GHS 730

-34.93%

1-bedroom Apartment, City Center (Monthly)

$118 GHS 1,384

1-bedroom Apartment, Outside City Center (Monthly)

$67.0 GHS 783

3-bedroom Apartment, Outside City Center (Monthly)

$136 GHS 1,589

Buy Apartment in City Center (m2)

$9,781 GHS 114.2K

Buy Apartment Outside City Center (m2)

$5,837 GHS 68.2K

Average Monthly Net Salary (After Tax)

$308 GHS 3,592

$401 GHS 4,681

-23.27%

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: July 26, 2026

Last update for Tema: July 27, 2026

Cost Breakdown

Salaries run about 30% 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 $181 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: $441 in Kumasi, $629 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 $662 per month in Kumasi and $943 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 $441 in Kumasi and $629 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.