Last update: Oct 2026

Cost of Living Comparison Between Kumasi and Tema

For one person, living is cheaper in Kumasi: $495 a month against $746 in Tema, rent and utilities included – about $3,000 less a year. Other living expenses account for most of the difference.

24

Cost of Living Index in Kumasi
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Kumasi Living Index
36

Cost of Living Index in Tema
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Tema Living Index

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Kumasi

🇬🇭 Ghana

$495

/mo nomad

Tema

🇬🇭 Ghana

$746

/mo nomad

Monthly Cost of Living

How much you'll spend in Kumasi 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 Kumasi and in Tema actually costs, broken down by who's living it.

A single person spends $495 per month in Kumasi vs $746 in Tema, rent included.

Kumasi $495
Tema $746

A couple spends around $816 per month in Kumasi vs $1,186 in Tema, rent included.

Kumasi $816
Tema $1,186

A family of three spends $1,137 per month in Kumasi vs $1,627 in Tema, rent included.

Kumasi $1,137
Tema $1,627

Kumasi is about 34% cheaper than Tema, and outside of rent the biggest gap is in eating out.

Both Kumasi and Tema are more affordable than the global median – Kumasi 64% lower, Tema 45% lower.

Meal at Budget Restaurant

$3.45 GHS 40.13

$7.04 GHS 82.1

-50.99%

Three-Course Dinner for Two, Mid-Range

$33.93 GHS 395

$27.68 GHS 322

22.58%

Fast Food Meal (McDonalds, etc)

$10.33 GHS 120

Cappuccino

$1.09 GHS 12.70

$5.09 GHS 59.3

-78.59%

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

$0.71 GHS 8.32

$0.85 GHS 9.85

-16.47%

Water (0.33 liter bottle)

$0.27 GHS 3.17

$0.30 GHS 3.50

-10.00%

Local Beer (0.5 liter draught)

$0.93 GHS 10.80

$3.31 GHS 38.54

-71.90%

Imported Beer (0.33 liter bottle)

$1.71 GHS 19.91

$2.56 GHS 29.77

-33.20%

Milk (1 liter)

$1.79 GHS 20.89

$3.25 GHS 37.90

-44.92%

White Bread (500g)

$1.61 GHS 18.73

$1.54 GHS 17.94

4.55%

Rice (white) (1kg)

$1.69 GHS 19.72

$1.98 GHS 23.07

-14.65%

Eggs

$2.39 GHS 27.85

$2.37 GHS 27.61

0.84%

Local Cheese (1kg)

$5.79 GHS 67.5

$4.27 GHS 49.70

35.60%

Chicken Fillets (1kg)

$4.55 GHS 53.0

$3.18 GHS 37.02

43.08%

Beef Round Steak (1kg)

$4.79 GHS 55.8

$3.43 GHS 39.94

39.65%

Apples (1kg)

$1.74 GHS 20.31

$2.63 GHS 30.60

-33.84%

Banana (1kg)

$0.88 GHS 10.31

$2.11 GHS 24.57

-58.29%

Oranges (1kg)

$0.88 GHS 10.29

$2.20 GHS 25.59

-60.00%

Tomato (1kg)

$2.16 GHS 25.21

$3.48 GHS 40.58

-37.93%

Potato (1kg)

$1.73 GHS 20.16

$3.34 GHS 38.93

-48.20%

Onion (1kg)

$1.26 GHS 14.65

$2.75 GHS 32.06

-54.18%

Lettuce (1 head)

$0.71 GHS 8.25

$0.44 GHS 5.18

61.36%

Water (1.5 liter bottle)

$0.60 GHS 7.03

$0.66 GHS 7.64

-9.09%

Cigarettes 20 Pack (Marlboro, Camel)

$0.84 GHS 9.80

$1.32 GHS 15.35

-36.36%

Wine (Bottle)

$1.32 GHS 15.39

$8.67 GHS 101

-84.78%

Local Beer (0.5 liter bottle)

$1.23 GHS 14.33

$2.16 GHS 25.22

-43.06%

Imported Beer (0.33 liter bottle)

$2.33 GHS 27.14

$3.04 GHS 35.43

-23.36%

One-way Ticket (Public Transport)

$0.55 GHS 6.36

$1.69 GHS 19.70

-67.46%

Public Transport Monthly Pass (Regular Price)

$20.62 GHS 240

$41.27 GHS 481

-50.04%

Taxi Start (Normal Tariff)

$0.84 GHS 9.81

$2.11 GHS 24.59

-60.19%

Taxi (Normal Tariff) (1km)

$1.32 GHS 15.34

$0.41 GHS 4.83

221.95%

Taxi 1hour Waiting (Normal Tariff)

$1.67 GHS 19.44

Gasoline (1 liter)

$1.14 GHS 13.31

$1.14 GHS 13.30

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

$8,015 GHS 93.4K

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

$20.3K GHS 236.6K

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

$43.47 GHS 506

$76.6 GHS 892

-43.21%

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

$19.28 GHS 225

$14.89 GHS 173

29.48%

Internet (50+ Mbps, Unlimited Data)

$43.32 GHS 505

$83.0 GHS 967

-47.80%

Gym Membership (Monthly)

$29.97 GHS 349

$23.21 GHS 270

29.13%

Cinema Ticket

$13.11 GHS 153

$8.76 GHS 102

49.66%

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

$458 GHS 5,341

$174 GHS 2,024

163.89%

International Primary School, 1 Child (Yearly)

$5,431 GHS 63.3K

$2,582 GHS 30.1K

110.37%

Jeans (Levis 501 Or Similar)

$14.26 GHS 166

$12.97 GHS 151

9.95%

Summer Dress (H&M, Zara, etc)

$18.46 GHS 215

$15.23 GHS 177

21.21%

Sport Shoes (Adidas, Nike)

$36.90 GHS 430

$43.68 GHS 509

-15.52%

Men's Leather Business Shoes

$52.3 GHS 609

$32.85 GHS 383

59.24%

1-bedroom Apartment, City Center (Monthly)

$127 GHS 1,478

1-bedroom Apartment, Outside City Center (Monthly)

$72.0 GHS 838

3-bedroom Apartment, City Center (Monthly)

$436 GHS 5,078

3-bedroom Apartment, Outside City Center (Monthly)

$217 GHS 2,527

Buy Apartment in City Center (m2)

$9,800 GHS 114.2K

Buy Apartment Outside City Center (m2)

$5,945 GHS 69.3K

Average Monthly Net Salary (After Tax)

$415 GHS 4,840

$419 GHS 4,883

-0.88%

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: October 25, 2026

Last update for Tema: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Kumasi

$164 33.2%

Tema

$216 28.9% 31.2% $51

Monthly Utilities & Internet

Kumasi

$106 21.4%

Tema

$174 23.4% 64.5% $68

Eating Out

Kumasi

$84 16.9%

Tema

$144 * 19.3% 71.8% $60

Sport & Entertainment

Kumasi

$56 11.3%

Tema

$41 5.5% 27.5% $15

Clothing & Footwear

Kumasi

$55 11.1%

Tema

$47 6.3% 14.1% $7.7

Getting Around

Kumasi

$30 6.1%

Tema

$52 7% 72.7% $22

Accommodation & Living

Kumasi

- * 0%

Tema

$72 9.7%

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

Cost Breakdown

A mid-range dinner for two costs $34 in Kumasi versus $28 in Tema. Groceries tell a different story – $164 in Kumasi vs $216 in Tema – so Kumasi wins on supermarket bills even if dining out costs more.

Good to know

🇬🇭 Kumasi

🇬🇭 Tema

🕒 Local time

12:52 12:52 PM

Same time as Kumasi

🌤 Weather

👥 Population

1,517,000

160,000

💱 Currency

Ghanaian Cedi GHS ₵

📈 Exchange rate

100 GHS = 8.58 USD

100 GHS = 7.69 EUR

100 GHS = 8.58 USD

100 GHS = 7.69 EUR

Exchange rates and currency converter

On the map

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Highest

Between locations

Kumasi Tema 210 km

From you

Kumasi
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

Kumasi vs Tema: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $495 in Kumasi, $746 in Tema – Kumasi comes out roughly 34% cheaper. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $743 per month in Kumasi and $1,119 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 the gap depends on what you buy.

A mid-range dinner for two costs $34 in Kumasi and $28 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 $495 in Kumasi and $746 in Tema, leaving budget for savings and extras in both cases.