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

Monthly Cost of Living

A single person spends $440 per month in Kumasi vs $626 in Tema, rent included.

A couple spends around $721 per month in Kumasi vs $1,005 in Tema, rent included.

A family of three spends $1,003 per month in Kumasi vs $1,384 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

$2.79 GHS 31.15

$7.24 GHS 80.8

-61.46%

Three-Course Dinner for Two, Mid-Range

$32.18 GHS 359

$27.52 GHS 307

16.93%

Fast Food Meal (McDonalds, etc)

$7.85 GHS 87.6

$8.09 GHS 90.3

-2.97%

Cappuccino

$0.87 GHS 9.72

$1.50 GHS 16.76

-42.00%

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

$0.60 GHS 6.74

$0.99 GHS 11.07

-39.39%

Water (0.33 liter bottle)

$0.23 GHS 2.57

$0.33 GHS 3.69

-30.30%

Local Beer (0.5 liter draught)

$0.83 GHS 9.24

$1.74 GHS 19.44

-52.30%

Imported Beer (0.33 liter bottle)

$1.54 GHS 17.21

$2.67 GHS 29.76

-42.32%

Milk (1 liter)

$1.79 GHS 20.02

$3.07 GHS 34.23

-41.69%

White Bread (500g)

$1.44 GHS 16.09

$1.62 GHS 18.04

-11.11%

Rice (white) (1kg)

$1.63 GHS 18.18

$1.49 GHS 16.64

9.40%

Eggs

$2.19 GHS 24.40

$2.15 GHS 24.00

1.86%

Local Cheese (1kg)

$5.75 GHS 64.1

$3.71 GHS 41.37

54.99%

Chicken Fillets (1kg)

$4.40 GHS 49.06

$2.72 GHS 30.41

61.76%

Beef Round Steak (1kg)

$4.91 GHS 54.8

$2.50 GHS 27.87

96.40%

Apples (1kg)

$1.67 GHS 18.67

$2.81 GHS 31.36

-40.57%

Banana (1kg)

$0.81 GHS 9.00

$2.06 GHS 23.02

-60.68%

Oranges (1kg)

$0.78 GHS 8.70

$2.09 GHS 23.37

-62.68%

Tomato (1kg)

$1.89 GHS 21.11

$2.80 GHS 31.29

-32.50%

Potato (1kg)

$1.68 GHS 18.77

$1.90 GHS 21.24

-11.58%

Onion (1kg)

$1.13 GHS 12.59

$1.92 GHS 21.39

-41.15%

Lettuce (1 head)

$0.74 GHS 8.30

$0.64 GHS 7.09

15.62%

Water (1.5 liter bottle)

$0.48 GHS 5.34

$0.82 GHS 9.15

-41.46%

Cigarettes 20 Pack (Marlboro, Camel)

$0.85 GHS 9.49

Wine (Bottle)

$1.25 GHS 13.99

$8.54 GHS 95.3

-85.36%

Local Beer (0.5 liter bottle)

$1.11 GHS 12.35

$0.84 GHS 9.39

32.14%

Imported Beer (0.33 liter bottle)

$1.89 GHS 21.14

One-way Ticket (Public Transport)

$0.39 GHS 4.31

$2.02 GHS 22.57

-80.69%

Public Transport Monthly Pass (Regular Price)

$20.12 GHS 225

$38.63 GHS 431

-47.92%

Taxi Start (Normal Tariff)

$0.80 GHS 8.96

$1.35 GHS 15.09

-40.74%

Taxi (Normal Tariff) (1km)

$1.22 GHS 13.57

$0.77 GHS 8.55

58.44%

Taxi 1hour Waiting (Normal Tariff)

$1.69 GHS 18.85

Gasoline (1 liter)

$1.10 GHS 12.23

$1.25 GHS 13.91

-12.00%

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

$8,058 GHS 89.9K

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

$9,490 GHS 105.9K

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

$40.42 GHS 451

$30.51 GHS 341

32.48%

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

$13.03 GHS 145

$12.08 GHS 135

7.86%

Internet (50+ Mbps, Unlimited Data)

$38.10 GHS 425

$64.9 GHS 725

-41.32%

Gym Membership (Monthly)

$28.57 GHS 319

$19.31 GHS 215

47.95%

Cinema Ticket

$9.50 GHS 106

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

$72.1 GHS 805

$82.6 GHS 922

-12.77%

International Primary School, 1 Child (Yearly)

$5,431 GHS 60.6K

Jeans (Levis 501 Or Similar)

$14.38 GHS 161

$25.03 GHS 279

-42.55%

Summer Dress (H&M, Zara, etc)

$18.52 GHS 207

$24.84 GHS 277

-25.44%

Sport Shoes (Adidas, Nike)

$28.81 GHS 322

$44.69 GHS 499

-35.53%

Men's Leather Business Shoes

$41.09 GHS 459

$61.5 GHS 687

-33.22%

1-bedroom Apartment, City Center (Monthly)

$119 GHS 1,324

1-bedroom Apartment, Outside City Center (Monthly)

$66.7 GHS 744

3-bedroom Apartment, Outside City Center (Monthly)

$135 GHS 1,510

Buy Apartment in City Center (m2)

$10.2K GHS 113.4K

Buy Apartment Outside City Center (m2)

$6,068 GHS 67.7K

Average Monthly Net Salary (After Tax)

$314 GHS 3,509

$463 GHS 5,172

-32.17%

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: April 27, 2026

Last update for Tema: April 26, 2026

Cost Breakdown

Salaries run about 47% 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 – $155 in Kumasi vs $186 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: $440 in Kumasi, $626 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 $659 per month in Kumasi and $939 in Tema. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Groceries cost about 20% 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 $440 in Kumasi and $626 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.