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: $472 in Takoradi versus $629 in Tema.

Estimated couple costs with rent: $827 in Takoradi versus $1,006 in Tema.

Monthly costs for a family of three with rent: $1,182 in Takoradi versus $1,383 in Tema.

Living in Takoradi costs roughly 25% less than in Tema, driven mainly by Getting Around.

Both cities sit below the global median: Takoradi 65% lower, Tema 53% lower.

Meal at Budget Restaurant

$4.44 GHS 51.9

$7.58 GHS 88.5

-41.42%

Three-Course Dinner for Two, Mid-Range

$47.46 GHS 554

$28.14 GHS 329

68.66%

Fast Food Meal (McDonalds, etc)

$7.99 GHS 93.4

$7.83 GHS 91.5

2.04%

Cappuccino

$3.44 GHS 40.14

$1.49 GHS 17.45

130.87%

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

$0.95 GHS 11.06

$1.01 GHS 11.76

-5.94%

Water (0.33 liter bottle)

$0.35 GHS 4.09

$0.33 GHS 3.88

6.06%

Local Beer (0.5 liter draught)

$1.50 GHS 17.52

$1.75 GHS 20.41

-14.29%

Imported Beer (0.33 liter bottle)

$2.52 GHS 29.47

$2.66 GHS 31.06

-5.26%

Milk (1 liter)

$1.54 GHS 17.97

$2.94 GHS 34.39

-47.62%

White Bread (500g)

$1.14 GHS 13.26

$1.68 GHS 19.58

-32.14%

Rice (white) (1kg)

$1.90 GHS 22.16

$1.57 GHS 18.29

21.02%

Eggs

$2.36 GHS 27.56

$2.18 GHS 25.42

8.26%

Local Cheese (1kg)

$10.99 GHS 128

$3.79 GHS 44.22

189.97%

Chicken Fillets (1kg)

$4.69 GHS 54.8

$2.72 GHS 31.76

72.43%

Beef Round Steak (1kg)

$3.04 GHS 35.53

$2.48 GHS 28.92

22.58%

Apples (1kg)

$2.73 GHS 31.88

Banana (1kg)

$1.00 GHS 11.70

$1.99 GHS 23.27

-49.75%

Oranges (1kg)

$1.19 GHS 13.87

$2.02 GHS 23.61

-41.09%

Tomato (1kg)

$2.01 GHS 23.45

$2.80 GHS 32.66

-28.21%

Potato (1kg)

$2.49 GHS 29.12

$1.90 GHS 22.20

31.05%

Onion (1kg)

$2.15 GHS 25.11

$1.90 GHS 22.19

13.16%

Lettuce (1 head)

$0.80 GHS 9.39

$0.63 GHS 7.40

26.98%

Water (1.5 liter bottle)

$0.30 GHS 3.55

$0.83 GHS 9.69

-63.86%

Cigarettes 20 Pack (Marlboro, Camel)

$1.57 GHS 18.34

Wine (Bottle)

$7.09 GHS 82.8

$7.05 GHS 82.3

0.57%

Local Beer (0.5 liter bottle)

$0.33 GHS 3.85

$0.83 GHS 9.66

-60.24%

Imported Beer (0.33 liter bottle)

$1.94 GHS 22.67

One-way Ticket (Public Transport)

$2.08 GHS 24.25

Public Transport Monthly Pass (Regular Price)

$38.71 GHS 452

Taxi Start (Normal Tariff)

$1.62 GHS 18.96

$1.36 GHS 15.87

19.12%

Taxi (Normal Tariff) (1km)

$1.18 GHS 13.77

$0.72 GHS 8.45

63.89%

Taxi 1hour Waiting (Normal Tariff)

$5.46 GHS 63.8

Gasoline (1 liter)

$1.07 GHS 12.54

$1.23 GHS 14.35

-13.01%

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

$7,871 GHS 91.9K

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

$9,698 GHS 113.3K

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

$56.1 GHS 656

$30.27 GHS 354

85.46%

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

$13.31 GHS 155

$12.18 GHS 142

9.28%

Internet (50+ Mbps, Unlimited Data)

$38.17 GHS 446

$63.4 GHS 740

-39.79%

Gym Membership (Monthly)

$19.37 GHS 226

Cinema Ticket

$9.93 GHS 116

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

$72.3 GHS 844

$83.9 GHS 980

-13.85%

International Primary School, 1 Child (Yearly)

$8,207 GHS 95.9K

Jeans (Levis 501 Or Similar)

$14.66 GHS 171

$24.15 GHS 282

-39.30%

Summer Dress (H&M, Zara, etc)

$18.96 GHS 221

$25.06 GHS 293

-24.34%

Sport Shoes (Adidas, Nike)

$29.19 GHS 341

$45.15 GHS 527

-35.35%

Men's Leather Business Shoes

$40.96 GHS 478

$62.5 GHS 730

-34.45%

1-bedroom Apartment, City Center (Monthly)

$118 GHS 1,384

1-bedroom Apartment, Outside City Center (Monthly)

$67.0 GHS 783

3-bedroom Apartment, Outside City Center (Monthly)

$136 GHS 1,589

Buy Apartment in City Center (m2)

$9,781 GHS 114.2K

Buy Apartment Outside City Center (m2)

$5,837 GHS 68.2K

Average Monthly Net Salary (After Tax)

$401 GHS 4,681

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 Takoradi: July 26, 2026

Last update for Tema: July 27, 2026

Cost Breakdown

Dining out: $47.00 in Takoradi vs $28.00 in Tema for a mid-range dinner for two. Groceries echo the gap at $182 vs $181 per month, with Tema cheaper across the board.

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 Eating Out, Monthly Utilities & Internet, Clothing & Footwear, Getting Around. The 33% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $709 in Takoradi and $943 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 $72.3 in Takoradi versus $83.9 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 $47.00 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 33% less than in Tema. Beyond cost, consider language, visa policies, and how big the international community is in each city.