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: $476 in Takoradi versus $626 in Tema.

Estimated couple costs with rent: $828 in Takoradi versus $1,005 in Tema.

Monthly costs for a family of three with rent: $1,180 in Takoradi versus $1,384 in Tema.

Living in Takoradi costs roughly 24% less than in Tema, driven mainly by Getting Around.

Both cities sit below the global median: Takoradi 64% lower, Tema 53% lower.

Meal at Budget Restaurant

$4.30 GHS 48.03

$7.24 GHS 80.8

-40.61%

Three-Course Dinner for Two, Mid-Range

$47.46 GHS 530

$27.52 GHS 307

72.46%

Fast Food Meal (McDonalds, etc)

$7.95 GHS 88.7

$8.09 GHS 90.3

-1.73%

Cappuccino

$3.62 GHS 40.36

$1.50 GHS 16.76

141.33%

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

$0.93 GHS 10.39

$0.99 GHS 11.07

-6.06%

Water (0.33 liter bottle)

$0.37 GHS 4.16

$0.33 GHS 3.69

12.12%

Local Beer (0.5 liter draught)

$1.51 GHS 16.90

$1.74 GHS 19.44

-13.22%

Imported Beer (0.33 liter bottle)

$2.46 GHS 27.46

$2.67 GHS 29.76

-7.87%

Milk (1 liter)

$1.62 GHS 18.12

$3.07 GHS 34.23

-47.23%

White Bread (500g)

$1.19 GHS 13.24

$1.62 GHS 18.04

-26.54%

Rice (white) (1kg)

$1.98 GHS 22.15

$1.49 GHS 16.64

32.89%

Eggs

$2.27 GHS 25.31

$2.15 GHS 24.00

5.58%

Local Cheese (1kg)

$11.08 GHS 124

$3.71 GHS 41.37

198.65%

Chicken Fillets (1kg)

$4.72 GHS 52.7

$2.72 GHS 30.41

73.53%

Beef Round Steak (1kg)

$2.96 GHS 32.98

$2.50 GHS 27.87

18.40%

Apples (1kg)

$2.65 GHS 29.60

$2.81 GHS 31.36

-5.69%

Banana (1kg)

$1.00 GHS 11.12

$2.06 GHS 23.02

-51.46%

Oranges (1kg)

$1.19 GHS 13.33

$2.09 GHS 23.37

-43.06%

Tomato (1kg)

$2.00 GHS 22.29

$2.80 GHS 31.29

-28.57%

Potato (1kg)

$2.49 GHS 27.78

$1.90 GHS 21.24

31.05%

Onion (1kg)

$2.21 GHS 24.71

$1.92 GHS 21.39

15.10%

Lettuce (1 head)

$0.75 GHS 8.36

$0.64 GHS 7.09

17.19%

Water (1.5 liter bottle)

$0.28 GHS 3.12

$0.82 GHS 9.15

-65.85%

Cigarettes 20 Pack (Marlboro, Camel)

$1.58 GHS 17.64

Wine (Bottle)

$6.32 GHS 70.5

$8.54 GHS 95.3

-26.00%

Local Beer (0.5 liter bottle)

$0.36 GHS 3.97

$0.84 GHS 9.39

-57.14%

Imported Beer (0.33 liter bottle)

$1.95 GHS 21.76

One-way Ticket (Public Transport)

$2.02 GHS 22.57

Public Transport Monthly Pass (Regular Price)

$38.63 GHS 431

Taxi Start (Normal Tariff)

$1.56 GHS 17.45

$1.35 GHS 15.09

15.56%

Taxi (Normal Tariff) (1km)

$1.22 GHS 13.64

$0.77 GHS 8.55

58.44%

Taxi 1hour Waiting (Normal Tariff)

$5.42 GHS 60.5

Gasoline (1 liter)

$1.13 GHS 12.58

$1.25 GHS 13.91

-9.60%

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

$8,026 GHS 89.6K

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

$9,606 GHS 107.2K

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

$54.6 GHS 610

$30.51 GHS 341

79.06%

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

$13.25 GHS 148

$12.08 GHS 135

9.69%

Internet (50+ Mbps, Unlimited Data)

$38.31 GHS 428

$64.9 GHS 725

-41.00%

Gym Membership (Monthly)

$19.31 GHS 215

Cinema Ticket

$9.66 GHS 108

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

$71.8 GHS 801

$82.6 GHS 922

-13.18%

International Primary School, 1 Child (Yearly)

$8,055 GHS 89.9K

Jeans (Levis 501 Or Similar)

$14.69 GHS 164

$25.03 GHS 279

-41.31%

Summer Dress (H&M, Zara, etc)

$18.70 GHS 209

$24.84 GHS 277

-24.72%

Sport Shoes (Adidas, Nike)

$29.08 GHS 325

$44.69 GHS 499

-34.93%

Men's Leather Business Shoes

$42.10 GHS 470

$61.5 GHS 687

-31.58%

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)

$463 GHS 5,172

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: April 27, 2026

Last update for Tema: April 26, 2026

Cost Breakdown

Dining out: $47.00 in Takoradi vs $28.00 in Tema. Groceries flip the comparison at $181 vs $186, 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, Eating Out, Monthly Utilities & Internet, Clothing & Footwear, Getting Around. The 32% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $714 in Takoradi and $939 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 $71.8 in Takoradi versus $82.6 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 32% less than in Tema. Beyond cost, consider language, visa policies, and how big the international community is in each city.