Last update: Oct 2026

Cost of Living Comparison Between Shimla and Kumasi

For one person, living is cheaper in Shimla: $310 a month against $495 in Kumasi, rent and utilities included – about $2,200 less a year. The total is higher in Kumasi despite lower rent and utilities.

15

Cost of Living Index in Shimla
Learn more

Shimla Living Index
24

Cost of Living Index in Kumasi
Learn more

Kumasi Living Index

Jump to prices

Shimla

🇮🇳 India

$310

/mo nomad

Kumasi

🇬🇭 Ghana

$495

/mo nomad

Monthly Cost of Living

How much you'll spend in Shimla and in Kumasi

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Shimla and in Kumasi actually costs, broken down by who's living it.

A single person spends $310 per month in Shimla vs $495 in Kumasi, rent included.

Shimla $310
Kumasi $495

A couple spends around $504 per month in Shimla vs $816 in Kumasi, rent included.

Shimla $504
Kumasi $816

A family of three spends $698 per month in Shimla vs $1,137 in Kumasi, rent included.

Shimla $698
Kumasi $1,137

Shimla is about 37% cheaper than Kumasi, and outside of rent the biggest gap is in groceries.

Both Shimla and Kumasi are more affordable than the global median – Shimla 77% lower, Kumasi 64% lower.

Meal at Budget Restaurant

$1.56 ₹148

$3.45 GHS 40.13

-54.78%

Three-Course Dinner for Two, Mid-Range

$10.47 ₹994

$33.93 GHS 395

-69.14%

Fast Food Meal (McDonalds, etc)

$3.09 ₹294

$10.33 GHS 120

-70.09%

Cappuccino

$0.92 ₹87.1

$1.09 GHS 12.70

-15.60%

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

$0.34 ₹32.11

$0.71 GHS 8.32

-52.11%

Water (0.33 liter bottle)

$0.11 ₹10.39

$0.27 GHS 3.17

-59.26%

Local Beer (0.5 liter draught)

$1.64 ₹156

$0.93 GHS 10.80

76.34%

Imported Beer (0.33 liter bottle)

$2.07 ₹196

$1.71 GHS 19.91

21.05%

Milk (1 liter)

$0.67 ₹64.0

$1.79 GHS 20.89

-62.57%

White Bread (500g)

$0.42 ₹40.25

$1.61 GHS 18.73

-73.91%

Rice (white) (1kg)

$0.63 ₹60.2

$1.69 GHS 19.72

-62.72%

Eggs

$0.89 ₹84.9

$2.39 GHS 27.85

-62.76%

Local Cheese (1kg)

$4.33 ₹411

$5.79 GHS 67.5

-25.22%

Chicken Fillets (1kg)

$3.18 ₹302

$4.55 GHS 53.0

-30.11%

Beef Round Steak (1kg)

$4.79 GHS 55.8

Apples (1kg)

$1.87 ₹178

$1.74 GHS 20.31

7.47%

Banana (1kg)

$0.76 ₹71.9

$0.88 GHS 10.31

-13.64%

Oranges (1kg)

$0.63 ₹60.0

$0.88 GHS 10.29

-28.41%

Tomato (1kg)

$0.48 ₹45.38

$2.16 GHS 25.21

-77.78%

Potato (1kg)

$0.30 ₹28.64

$1.73 GHS 20.16

-82.66%

Onion (1kg)

$0.36 ₹34.25

$1.26 GHS 14.65

-71.43%

Lettuce (1 head)

$0.22 ₹20.93

$0.71 GHS 8.25

-69.01%

Water (1.5 liter bottle)

$0.27 ₹25.55

$0.60 GHS 7.03

-55.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.38 ₹321

$0.84 GHS 9.80

302.38%

Wine (Bottle)

$8.57 ₹814

$1.32 GHS 15.39

549.24%

Local Beer (0.5 liter bottle)

$1.54 ₹147

$1.23 GHS 14.33

25.20%

Imported Beer (0.33 liter bottle)

$2.04 ₹194

$2.33 GHS 27.14

-12.45%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$3.80 ₹361

One-way Ticket (Public Transport)

$0.22 ₹20.92

$0.55 GHS 6.36

-60.00%

Public Transport Monthly Pass (Regular Price)

$7.84 ₹745

$20.62 GHS 240

-61.98%

Taxi Start (Normal Tariff)

$1.07 ₹102

$0.84 GHS 9.81

27.38%

Taxi (Normal Tariff) (1km)

$0.34 ₹31.84

$1.32 GHS 15.34

-74.24%

Taxi 1hour Waiting (Normal Tariff)

$1.02 ₹97.2

$1.67 GHS 19.44

-38.92%

Gasoline (1 liter)

$1.09 ₹104

$1.14 GHS 13.31

-4.39%

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

$8,462 ₹803.5K

$8,015 GHS 93.4K

5.58%

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

$18.1K ₹1.7M

$20.3K GHS 236.6K

-11.06%

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

$18.17 ₹1,725

$43.47 GHS 506

-58.20%

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

$3.13 ₹297

$19.28 GHS 225

-83.77%

Internet (50+ Mbps, Unlimited Data)

$7.02 ₹667

$43.32 GHS 505

-83.80%

Gym Membership (Monthly)

$13.85 ₹1,315

$29.97 GHS 349

-53.79%

Tennis Court (1 Hour on Weekend)

$10.63 ₹1,009

Cinema Ticket

$3.07 ₹291

$13.11 GHS 153

-76.58%

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

$42.11 ₹3,998

$458 GHS 5,341

-90.82%

International Primary School, 1 Child (Yearly)

$2,173 ₹206.3K

$5,431 GHS 63.3K

-59.99%

Jeans (Levis 501 Or Similar)

$24.76 ₹2,351

$14.26 GHS 166

73.63%

Summer Dress (H&M, Zara, etc)

$21.97 ₹2,086

$18.46 GHS 215

19.01%

Sport Shoes (Adidas, Nike)

$39.31 ₹3,733

$36.90 GHS 430

6.53%

Men's Leather Business Shoes

$26.41 ₹2,508

$52.3 GHS 609

-49.51%

1-bedroom Apartment, City Center (Monthly)

$86.4 ₹8,199

1-bedroom Apartment, Outside City Center (Monthly)

$53.3 ₹5,060

3-bedroom Apartment, City Center (Monthly)

$199 ₹18.9K

3-bedroom Apartment, Outside City Center (Monthly)

$125 ₹11.9K

Buy Apartment in City Center (m2)

$563 ₹53.4K

Buy Apartment Outside City Center (m2)

$563 ₹53.4K

Average Monthly Net Salary (After Tax)

$612 ₹58.1K

$415 GHS 4,840

47.33%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.25

26.75

-69.16%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Shimla: October 24, 2026

Last update for Kumasi: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Shimla

$99 32.1%

Kumasi

$164 33.2% 65.3% $65

Accommodation & Living

Shimla

$53 17.2%

Kumasi

- * 0% 100%

Clothing & Footwear

Shimla

$51 16.3%

Kumasi

$55 11.1% 8.4% $4.3

Eating Out

Shimla

$47 15.1%

Kumasi

$84 16.9% 78.3% $37

Monthly Utilities & Internet

Shimla

$28 9.1%

Kumasi

$106 21.4% 275% $78

Sport & Entertainment

Shimla

$20 6.5%

Kumasi

$56 11.3% 181% $36

Getting Around

Shimla

$11 3.7%

Kumasi

$30 6.1% 164% $19

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

Cost Breakdown

Salaries run about 47% higher in Shimla, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $10 in Shimla versus $34 in Kumasi. Monthly groceries follow the same trend: $99 vs $164 – making Shimla the more affordable choice for daily food spending.

Good to know

🇮🇳 Shimla

🇬🇭 Kumasi

🕒 Local time

02:16 2:16 AM

20:46 8:46 PM

5 h 30 min behind Shimla

🌤 Weather

👥 Population

170,000

1,517,000

💱 Currency

Indian Rupee INR ₹

Ghanaian Cedi GHS ₵

📈 Exchange rate

1,000 INR = 10.53 USD

1,000 INR = 9.43 EUR

100 GHS = 8.58 USD

100 GHS = 7.69 EUR

Exchange rates and currency converter

GHS, USD, EUR to INR – Indian Rupee Converter

🇺🇸 United States Dollar ($)

🇮🇳 Indian Rupee (₹)

Indian Rupee exchange rates as of November 1, 2026: 1 USD = 94.95 INR (100 INR = 1.05 USD). 1 EUR = 106 INR (1,000 INR = 9.43 EUR).

Ghanaian Cedi exchange rates as of November 1, 2026: 1 USD = 11.65 GHS (100 GHS = 8.58 USD). 1 EUR = 13.01 GHS (100 GHS = 7.69 EUR).

USD to INR in detail →

On the map

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Between locations

Shimla Kumasi 8,560 km ≈ 11 h nonstop flight

From you

Shimla
Kumasi

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

Shimla vs Kumasi: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $310 in Shimla, $495 in Kumasi – Shimla comes out roughly 37% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $465 per month in Shimla and $743 in Kumasi. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Groceries cost about 65% more in Kumasi, though the gap depends on what you buy.

A mid-range dinner for two costs $10 in Shimla and $34 in Kumasi. 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 $310 in Shimla and $495 in Kumasi, leaving budget for savings and extras in both cases.

It depends on your priorities. Kumasi has an edge in some lifestyle areas, with costs from $310 in Shimla to $495 in Kumasi. Climate, culture, job market, and personal taste all factor in.