Last update: Nov 2026

Cost of Living Comparison Between Takoradi and Tema

For one person, living is cheaper in Takoradi: $577 a month against $749 in Tema, rent and utilities included – about $2,100 less a year. Other living expenses account for most of the difference.

28

Cost of Living Index in Takoradi
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Takoradi Living Index
36

Cost of Living Index in Tema
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Tema Living Index

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Takoradi

🇬🇭 Ghana

$577

/mo nomad

Tema

🇬🇭 Ghana

$749

/mo nomad

Monthly Cost of Living

How much you'll spend in Takoradi and in Tema

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

Monthly costs for one person with rent: $577 in Takoradi versus $749 in Tema.

Takoradi $577
Tema $749

Estimated couple costs with rent: $970 in Takoradi versus $1,189 in Tema.

Takoradi $970
Tema $1,189

Monthly costs for a family of three with rent: $1,363 in Takoradi versus $1,628 in Tema.

Takoradi $1,363
Tema $1,628

Living in Takoradi costs roughly 23% less than in Tema, and outside of rent the biggest gap is in transport.

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

Meal at Budget Restaurant

$8.39 GHS 97.7

$7.08 GHS 82.4

18.50%

Three-Course Dinner for Two, Mid-Range

$50.8 GHS 592

$27.92 GHS 325

81.95%

Fast Food Meal (McDonalds, etc)

$10.15 GHS 118

Cappuccino

$4.34 GHS 50.6

$5.10 GHS 59.5

-14.90%

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

$1.61 GHS 18.81

$0.85 GHS 9.85

89.41%

Water (0.33 liter bottle)

$0.48 GHS 5.60

$0.28 GHS 3.24

71.43%

Local Beer (0.5 liter draught)

$1.85 GHS 21.52

$3.26 GHS 38.01

-43.25%

Imported Beer (0.33 liter bottle)

$2.26 GHS 26.31

$2.55 GHS 29.69

-11.37%

Milk (1 liter)

$1.41 GHS 16.46

$3.31 GHS 38.52

-57.40%

White Bread (500g)

$1.05 GHS 12.22

$1.60 GHS 18.64

-34.38%

Rice (white) (1kg)

$1.67 GHS 19.44

$2.06 GHS 24.00

-18.93%

Eggs

$2.73 GHS 31.77

$2.39 GHS 27.82

14.23%

Local Cheese (1kg)

$12.24 GHS 143

$4.23 GHS 49.29

189.36%

Chicken Fillets (1kg)

$4.81 GHS 56.1

$3.31 GHS 38.54

45.32%

Beef Round Steak (1kg)

$2.65 GHS 30.93

$3.52 GHS 41.06

-24.72%

Apples (1kg)

$2.44 GHS 28.39

$2.51 GHS 29.20

-2.79%

Banana (1kg)

$0.85 GHS 9.87

$2.09 GHS 24.31

-59.33%

Oranges (1kg)

$1.10 GHS 12.86

$2.13 GHS 24.82

-48.36%

Tomato (1kg)

$1.77 GHS 20.59

$3.52 GHS 41.00

-49.72%

Potato (1kg)

$2.30 GHS 26.82

$3.50 GHS 40.82

-34.29%

Onion (1kg)

$1.89 GHS 22.05

$2.83 GHS 33.00

-33.22%

Lettuce (1 head)

$0.70 GHS 8.15

$0.45 GHS 5.19

55.56%

Water (1.5 liter bottle)

$0.27 GHS 3.15

$0.72 GHS 8.44

-62.50%

Cigarettes 20 Pack (Marlboro, Camel)

$2.55 GHS 29.66

$1.33 GHS 15.47

91.73%

Wine (Bottle)

$7.34 GHS 85.5

$8.82 GHS 103

-16.78%

Local Beer (0.5 liter bottle)

$0.29 GHS 3.35

$2.19 GHS 25.51

-86.76%

Imported Beer (0.33 liter bottle)

$2.40 GHS 27.90

$3.02 GHS 35.21

-20.53%

One-way Ticket (Public Transport)

$1.69 GHS 19.67

Public Transport Monthly Pass (Regular Price)

$41.39 GHS 482

Taxi Start (Normal Tariff)

$1.69 GHS 19.74

$2.10 GHS 24.50

-19.52%

Taxi (Normal Tariff) (1km)

$1.30 GHS 15.19

$0.42 GHS 4.86

209.52%

Taxi 1hour Waiting (Normal Tariff)

$4.26 GHS 49.61

Gasoline (1 liter)

$1.30 GHS 15.11

$1.14 GHS 13.32

14.04%

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

$7,900 GHS 92.0K

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

$20.3K GHS 235.9K

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

$73.3 GHS 854

$77.0 GHS 897

-4.82%

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

$19.70 GHS 230

$15.32 GHS 179

28.59%

Internet (50+ Mbps, Unlimited Data)

$43.39 GHS 505

$82.5 GHS 961

-47.41%

Gym Membership (Monthly)

$23.21 GHS 270

Cinema Ticket

$13.02 GHS 152

$8.70 GHS 101

49.66%

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

$470 GHS 5,474

$175 GHS 2,036

168.89%

International Primary School, 1 Child (Yearly)

$18.5K GHS 216.0K

$2,581 GHS 30.1K

618.54%

Jeans (Levis 501 Or Similar)

$14.58 GHS 170

$12.74 GHS 148

14.44%

Summer Dress (H&M, Zara, etc)

$18.99 GHS 221

$15.78 GHS 184

20.34%

Sport Shoes (Adidas, Nike)

$36.77 GHS 428

$42.50 GHS 495

-13.48%

Men's Leather Business Shoes

$52.8 GHS 615

$32.16 GHS 375

64.12%

1-bedroom Apartment, City Center (Monthly)

$131 GHS 1,523

1-bedroom Apartment, Outside City Center (Monthly)

$72.3 GHS 842

3-bedroom Apartment, City Center (Monthly)

$433 GHS 5,048

3-bedroom Apartment, Outside City Center (Monthly)

$210 GHS 2,442

Buy Apartment in City Center (m2)

$9,854 GHS 114.8K

Buy Apartment Outside City Center (m2)

$6,061 GHS 70.6K

Average Monthly Net Salary (After Tax)

$423 GHS 4,923

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: November 3, 2026

Last update for Tema: November 1, 2026

Monthly budget structure

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

Groceries & Markets

Takoradi

$179 31.1%

Tema

$219 29.2% 22.3% $40

Eating Out

Takoradi

$172 29.8%

Tema

$144 * 19.2% 16.3% $28

Monthly Utilities & Internet

Takoradi

$136 23.6%

Tema

$175 23.3% 28.2% $38

Clothing & Footwear

Takoradi

$55 9.6%

Tema

$46 6.2% 16.2% $9

Sport & Entertainment

Takoradi

$26 * 4.5%

Tema

$41 5.4% 55.9% $15

Getting Around

Takoradi

$8.2 * 1.4%

Tema

$52 7% 537% $44

Accommodation & Living

Takoradi

- * 0%

Tema

$72 9.7%

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

Cost Breakdown

Dining out: $51 in Takoradi vs $28 in Tema. Groceries flip the comparison at $179 vs $219, with Takoradi cheaper for home cooking.

Good to know

🇬🇭 Takoradi

🇬🇭 Tema

🕒 Local time

00:22 12:22 AM

Same time as Takoradi

🌤 Weather

👥 Population

539,548

160,000

💱 Currency

Ghanaian Cedi GHS ₵

📈 Exchange rate

100 GHS = 8.58 USD

100 GHS = 7.65 EUR

100 GHS = 8.58 USD

100 GHS = 7.65 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Takoradi Tema 210 km

From you

Takoradi
Tema

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

Takoradi vs Tema: Cost of Living - Frequently Asked Questions

Takoradi is about 23% cheaper overall, especially in transport, groceries, and utilities. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $865 in Takoradi and $1,124 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 $470 in Takoradi versus $175 in Tema. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Tema – a meal for two runs $28 versus $51 in Takoradi. 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.