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

Monthly Cost of Living

A single person spends $512 per month in Kumasi vs $757 in Tema, rent included.

A couple spends around $844 per month in Kumasi vs $1,192 in Tema, rent included.

A family of three spends $1,176 per month in Kumasi vs $1,627 in Tema, rent included.

Kumasi is about 32% cheaper than Tema, driven mainly by Eating Out.

Both Kumasi and Tema are more affordable than the global median – Kumasi 63% lower, Tema 45% lower.

Meal at Budget Restaurant

$3.55 GHS 40.73

$7.16 GHS 82.2

-50.42%

Three-Course Dinner for Two, Mid-Range

$35.33 GHS 406

$28.16 GHS 323

25.46%

Fast Food Meal (McDonalds, etc)

$10.74 GHS 123

Cappuccino

$1.09 GHS 12.56

$5.35 GHS 61.4

-79.63%

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

$0.73 GHS 8.43

$0.86 GHS 9.84

-15.12%

Water (0.33 liter bottle)

$0.27 GHS 3.13

$0.30 GHS 3.49

-10.00%

Local Beer (0.5 liter draught)

$0.99 GHS 11.39

$3.30 GHS 37.92

-70.00%

Imported Beer (0.33 liter bottle)

$1.78 GHS 20.40

$2.62 GHS 30.08

-32.06%

Milk (1 liter)

$1.90 GHS 21.78

$3.25 GHS 37.28

-41.54%

White Bread (500g)

$1.70 GHS 19.53

$1.63 GHS 18.75

4.29%

Rice (white) (1kg)

$1.72 GHS 19.69

$2.10 GHS 24.07

-18.10%

Eggs

$2.44 GHS 27.96

$2.28 GHS 26.18

7.02%

Local Cheese (1kg)

$5.85 GHS 67.2

$4.46 GHS 51.2

31.17%

Chicken Fillets (1kg)

$4.49 GHS 51.5

$3.18 GHS 36.53

41.19%

Beef Round Steak (1kg)

$5.00 GHS 57.4

$3.41 GHS 39.14

46.63%

Apples (1kg)

$1.71 GHS 19.62

$2.64 GHS 30.32

-35.23%

Banana (1kg)

$0.90 GHS 10.38

$2.24 GHS 25.76

-59.82%

Oranges (1kg)

$0.84 GHS 9.62

$2.19 GHS 25.18

-61.64%

Tomato (1kg)

$2.21 GHS 25.33

$3.57 GHS 41.02

-38.10%

Potato (1kg)

$1.69 GHS 19.43

$3.56 GHS 40.89

-52.53%

Onion (1kg)

$1.35 GHS 15.48

$2.91 GHS 33.44

-53.61%

Lettuce (1 head)

$0.77 GHS 8.82

$0.46 GHS 5.26

67.39%

Water (1.5 liter bottle)

$0.61 GHS 6.98

$0.72 GHS 8.22

-15.28%

Cigarettes 20 Pack (Marlboro, Camel)

$0.85 GHS 9.79

$1.28 GHS 14.75

-33.59%

Wine (Bottle)

$1.28 GHS 14.70

$8.84 GHS 101

-85.52%

Local Beer (0.5 liter bottle)

$1.28 GHS 14.70

$2.14 GHS 24.52

-40.19%

Imported Beer (0.33 liter bottle)

$2.34 GHS 26.84

$2.99 GHS 34.33

-21.74%

One-way Ticket (Public Transport)

$0.53 GHS 6.11

$1.75 GHS 20.13

-69.71%

Public Transport Monthly Pass (Regular Price)

$20.67 GHS 237

$42.05 GHS 483

-50.84%

Taxi Start (Normal Tariff)

$0.84 GHS 9.67

$2.19 GHS 25.19

-61.64%

Taxi (Normal Tariff) (1km)

$1.34 GHS 15.33

$0.46 GHS 5.26

191.30%

Taxi 1hour Waiting (Normal Tariff)

$1.76 GHS 20.22

Gasoline (1 liter)

$1.11 GHS 12.78

$1.15 GHS 13.20

-3.48%

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

$8,149 GHS 93.6K

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

$9,811 GHS 112.6K

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

$43.15 GHS 495

$77.3 GHS 887

-44.18%

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

$19.77 GHS 227

$15.28 GHS 175

29.38%

Internet (50+ Mbps, Unlimited Data)

$43.20 GHS 496

$84.0 GHS 964

-48.55%

Gym Membership (Monthly)

$30.53 GHS 351

$24.06 GHS 276

26.89%

Cinema Ticket

$13.01 GHS 149

$8.89 GHS 102

46.34%

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

$458 GHS 5,257

$177 GHS 2,031

158.79%

International Primary School, 1 Child (Yearly)

$5,431 GHS 62.3K

$2,608 GHS 29.9K

108.27%

Jeans (Levis 501 Or Similar)

$14.62 GHS 168

$13.20 GHS 152

10.76%

Summer Dress (H&M, Zara, etc)

$19.24 GHS 221

$15.86 GHS 182

21.31%

Sport Shoes (Adidas, Nike)

$36.89 GHS 424

$44.09 GHS 506

-16.33%

Men's Leather Business Shoes

$54.0 GHS 620

$32.67 GHS 375

65.41%

1-bedroom Apartment, City Center (Monthly)

$130 GHS 1,493

1-bedroom Apartment, Outside City Center (Monthly)

$72.8 GHS 836

3-bedroom Apartment, City Center (Monthly)

$428 GHS 4,917

3-bedroom Apartment, Outside City Center (Monthly)

$218 GHS 2,501

Buy Apartment in City Center (m2)

$9,958 GHS 114.3K

Buy Apartment Outside City Center (m2)

$5,932 GHS 68.1K

Average Monthly Net Salary (After Tax)

$420 GHS 4,825

$430 GHS 4,935

-2.24%

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 Kumasi: September 15, 2026

Last update for Tema: September 13, 2026

Cost Breakdown

Salaries run about 2% 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 $35.00 in Kumasi versus $28.00 in Tema. Groceries tell a different story – $168 in Kumasi vs $220 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: $512 in Kumasi, $757 in Tema – roughly 48% apart. Tema costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $768 per month in Kumasi and $1,135 in Tema. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Groceries cost about 31% 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 $35.00 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 $512 in Kumasi and $757 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.