Cost of Living Comparison Between Takoradi and Tema Cost of Living Comparison Between Takoradi and Tema

Monthly Cost of Living

Monthly costs for one person with rent: $586 in Takoradi versus $757 in Tema.

Estimated couple costs with rent: $971 in Takoradi versus $1,192 in Tema.

Monthly costs for a family of three with rent: $1,356 in Takoradi versus $1,627 in Tema.

Living in Takoradi costs roughly 23% less than in Tema, driven mainly by Getting Around.

Both cities sit below the global median: Takoradi 57% lower, Tema 45% lower.

Meal at Budget Restaurant

$8.00 GHS 91.9

$7.16 GHS 82.2

11.73%

Three-Course Dinner for Two, Mid-Range

$52.2 GHS 599

$28.16 GHS 323

85.23%

Fast Food Meal (McDonalds, etc)

$10.54 GHS 121

Cappuccino

$4.50 GHS 51.6

$5.35 GHS 61.4

-15.89%

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

$1.60 GHS 18.39

$0.86 GHS 9.84

86.05%

Water (0.33 liter bottle)

$0.49 GHS 5.58

$0.30 GHS 3.49

63.33%

Local Beer (0.5 liter draught)

$1.85 GHS 21.23

$3.30 GHS 37.92

-43.94%

Imported Beer (0.33 liter bottle)

$2.30 GHS 26.45

$2.62 GHS 30.08

-12.21%

Milk (1 liter)

$1.39 GHS 15.97

$3.25 GHS 37.28

-57.23%

White Bread (500g)

$1.02 GHS 11.76

$1.63 GHS 18.75

-37.42%

Rice (white) (1kg)

$1.77 GHS 20.31

$2.10 GHS 24.07

-15.71%

Eggs

$2.70 GHS 31.02

$2.28 GHS 26.18

18.42%

Local Cheese (1kg)

$12.08 GHS 139

$4.46 GHS 51.2

170.85%

Chicken Fillets (1kg)

$4.77 GHS 54.7

$3.18 GHS 36.53

50.00%

Beef Round Steak (1kg)

$2.63 GHS 30.17

$3.41 GHS 39.14

-22.87%

Apples (1kg)

$2.45 GHS 28.16

$2.64 GHS 30.32

-7.20%

Banana (1kg)

$0.91 GHS 10.48

$2.24 GHS 25.76

-59.38%

Oranges (1kg)

$1.12 GHS 12.81

$2.19 GHS 25.18

-48.86%

Tomato (1kg)

$1.72 GHS 19.73

$3.57 GHS 41.02

-51.82%

Potato (1kg)

$2.30 GHS 26.46

$3.56 GHS 40.89

-35.39%

Onion (1kg)

$2.00 GHS 22.94

$2.91 GHS 33.44

-31.27%

Lettuce (1 head)

$0.75 GHS 8.65

$0.46 GHS 5.26

63.04%

Water (1.5 liter bottle)

$0.27 GHS 3.12

$0.72 GHS 8.22

-62.50%

Cigarettes 20 Pack (Marlboro, Camel)

$2.57 GHS 29.49

$1.28 GHS 14.75

100.78%

Wine (Bottle)

$7.11 GHS 81.6

$8.84 GHS 101

-19.57%

Local Beer (0.5 liter bottle)

$0.29 GHS 3.31

$2.14 GHS 24.52

-86.45%

Imported Beer (0.33 liter bottle)

$2.44 GHS 28.00

$2.99 GHS 34.33

-18.39%

One-way Ticket (Public Transport)

$1.75 GHS 20.13

Public Transport Monthly Pass (Regular Price)

$42.05 GHS 483

Taxi Start (Normal Tariff)

$1.78 GHS 20.46

$2.19 GHS 25.19

-18.72%

Taxi (Normal Tariff) (1km)

$1.34 GHS 15.40

$0.46 GHS 5.26

191.30%

Taxi 1hour Waiting (Normal Tariff)

$4.25 GHS 48.81

Gasoline (1 liter)

$1.32 GHS 15.16

$1.15 GHS 13.20

14.78%

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

$7,890 GHS 90.6K

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

$9,796 GHS 112.5K

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

$74.2 GHS 851

$77.3 GHS 887

-4.05%

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

$19.25 GHS 221

$15.28 GHS 175

25.98%

Internet (50+ Mbps, Unlimited Data)

$42.83 GHS 492

$84.0 GHS 964

-48.99%

Gym Membership (Monthly)

$24.06 GHS 276

Cinema Ticket

$13.12 GHS 151

$8.89 GHS 102

47.58%

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

$471 GHS 5,412

$177 GHS 2,031

166.47%

International Primary School, 1 Child (Yearly)

$18.7K GHS 215.0K

$2,608 GHS 29.9K

618.36%

Jeans (Levis 501 Or Similar)

$14.69 GHS 169

$13.20 GHS 152

11.29%

Summer Dress (H&M, Zara, etc)

$18.54 GHS 213

$15.86 GHS 182

16.90%

Sport Shoes (Adidas, Nike)

$37.40 GHS 429

$44.09 GHS 506

-15.17%

Men's Leather Business Shoes

$53.4 GHS 613

$32.67 GHS 375

63.45%

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)

$430 GHS 4,935

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 Takoradi: September 13, 2026

Last update for Tema: September 13, 2026

Cost Breakdown

Dining out: $52.0 in Takoradi vs $28.00 in Tema. Groceries flip the comparison at $179 vs $220, with Takoradi cheaper for home cooking.

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

Takoradi vs Tema: Cost of Living - Frequently Asked Questions

Takoradi is cheaper overall, especially in Groceries & Markets, Monthly Utilities & Internet, Sport & Entertainment, Getting Around. The 29% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $879 in Takoradi and $1,135 in Tema to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Childcare runs $471 in Takoradi versus $177 in Tema. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Takoradi – a meal for two runs $52.0 versus $28.00 in Tema. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $1,000 a month, though Takoradi gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Expats usually find Takoradi gentler on the wallet – expenses run 29% less than in Tema. Beyond cost, consider language, visa policies, and how big the international community is in each city.