Last update: Oct 2026

Cost of Living Comparison Between Tema and Bansko

For one person, living is cheaper in Tema: $738 a month against $970 in Bansko, rent and utilities included – about $2,800 less a year. Higher rent and utilities in Bansko outweigh lower spending on other living expenses.

36

Cost of Living Index in Tema
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Tema Living Index
47

Cost of Living Index in Bansko
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Bansko Living Index

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Tema

🇬🇭 Ghana

$738

/mo nomad

Bansko

🇧🇬 Bulgaria

$970

/mo nomad

Monthly Cost of Living

How much you'll spend in Tema and in Bansko

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

A single person spends $738 per month in Tema vs $970 in Bansko, rent included.

Tema $738
Bansko $970

A couple spends around $1,173 per month in Tema vs $1,464 in Bansko, rent included.

Tema $1,173
Bansko $1,464

A family of three spends $1,608 per month in Tema vs $1,957 in Bansko, rent included.

Tema $1,608
Bansko $1,957

Tema is about 24% cheaper than Bansko, and outside of rent the biggest gap is in utilities.

Both Tema and Bansko are more affordable than the global median – Tema 45% lower, Bansko 28% lower.

Meal at Budget Restaurant

$7.03 GHS 82.4

$8.66 BGN 15.15

-18.82%

Three-Course Dinner for Two, Mid-Range

$27.88 GHS 327

$46.63 BGN 81.6

-40.21%

Fast Food Meal (McDonalds, etc)

$9.01 BGN 15.77

Cappuccino

$5.05 GHS 59.2

$2.24 BGN 3.92

125.45%

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

$0.90 GHS 10.56

$1.50 BGN 2.63

-40.00%

Water (0.33 liter bottle)

$0.30 GHS 3.55

$0.86 BGN 1.51

-65.12%

Local Beer (0.5 liter draught)

$3.29 GHS 38.60

$1.76 BGN 3.07

86.93%

Imported Beer (0.33 liter bottle)

$2.61 GHS 30.61

$2.00 BGN 3.51

30.50%

Milk (1 liter)

$3.16 GHS 37.11

$1.79 BGN 3.14

76.54%

White Bread (500g)

$1.60 GHS 18.81

$0.81 BGN 1.42

97.53%

Rice (white) (1kg)

$2.07 GHS 24.29

$1.52 BGN 2.66

36.18%

Eggs

$2.30 GHS 27.02

$2.30 BGN 4.02

Local Cheese (1kg)

$4.38 GHS 51.4

$9.60 BGN 16.81

-54.37%

Chicken Fillets (1kg)

$3.17 GHS 37.14

$6.32 BGN 11.06

-49.84%

Beef Round Steak (1kg)

$3.38 GHS 39.66

$8.64 BGN 15.12

-60.88%

Apples (1kg)

$2.61 GHS 30.66

$1.28 BGN 2.24

103.91%

Banana (1kg)

$2.13 GHS 25.02

$1.68 BGN 2.95

26.79%

Oranges (1kg)

$2.21 GHS 25.97

$1.70 BGN 2.98

30.00%

Tomato (1kg)

$3.49 GHS 40.95

$1.89 BGN 3.30

84.66%

Potato (1kg)

$3.40 GHS 39.91

$0.93 BGN 1.63

265.59%

Onion (1kg)

$2.82 GHS 33.06

$0.76 BGN 1.32

271.05%

Lettuce (1 head)

$0.45 GHS 5.25

$0.54 BGN 0.95

-16.67%

Water (1.5 liter bottle)

$0.67 GHS 7.84

$0.58 BGN 1.02

15.52%

Cigarettes 20 Pack (Marlboro, Camel)

$1.26 GHS 14.83

$3.44 BGN 6.02

-63.37%

Wine (Bottle)

$8.54 GHS 100

$5.14 BGN 9.00

66.15%

Local Beer (0.5 liter bottle)

$2.10 GHS 24.59

$1.11 BGN 1.94

89.19%

Imported Beer (0.33 liter bottle)

$2.96 GHS 34.74

$1.70 BGN 2.97

74.12%

One-way Ticket (Public Transport)

$1.68 GHS 19.70

$0.88 BGN 1.55

90.91%

Public Transport Monthly Pass (Regular Price)

$41.17 GHS 483

$26.76 BGN 46.83

53.85%

Taxi Start (Normal Tariff)

$2.10 GHS 24.69

$1.29 BGN 2.26

62.79%

Taxi (Normal Tariff) (1km)

$0.41 GHS 4.82

$0.65 BGN 1.14

-36.92%

Taxi 1hour Waiting (Normal Tariff)

$10.18 BGN 17.81

Gasoline (1 liter)

$1.19 GHS 13.96

$1.50 BGN 2.63

-20.67%

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

$28.8K BGN 50.4K

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

$21.5K BGN 37.5K

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

$78.2 GHS 917

$91.4 BGN 160

-14.50%

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

$15.22 GHS 179

$14.68 BGN 25.68

3.68%

Internet (50+ Mbps, Unlimited Data)

$82.5 GHS 968

$12.07 BGN 21.12

583.84%

Gym Membership (Monthly)

$24.06 GHS 282

$32.28 BGN 56.5

-25.46%

Tennis Court (1 Hour on Weekend)

$8.60 BGN 15.05

Cinema Ticket

$8.80 GHS 103

$5.63 BGN 9.86

56.31%

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

$174 GHS 2,046

$228 BGN 400

-23.63%

International Primary School, 1 Child (Yearly)

$2,544 GHS 29.8K

$2,311 BGN 4,045

10.06%

Jeans (Levis 501 Or Similar)

$13.07 GHS 153

$30.48 BGN 53.3

-57.12%

Summer Dress (H&M, Zara, etc)

$15.40 GHS 181

$19.01 BGN 33.26

-18.99%

Sport Shoes (Adidas, Nike)

$42.37 GHS 497

$45.53 BGN 79.7

-6.94%

Men's Leather Business Shoes

$32.20 GHS 378

$48.67 BGN 85.2

-33.84%

1-bedroom Apartment, City Center (Monthly)

$126 GHS 1,483

$521 BGN 913

-75.76%

1-bedroom Apartment, Outside City Center (Monthly)

$71.3 GHS 836

$367 BGN 643

-80.59%

3-bedroom Apartment, City Center (Monthly)

$426 GHS 4,999

$634 BGN 1,110

-32.80%

3-bedroom Apartment, Outside City Center (Monthly)

$209 GHS 2,451

$558 BGN 976

-62.53%

Buy Apartment in City Center (m2)

$9,909 GHS 116.2K

$1,204 BGN 2,106

723.37%

Buy Apartment Outside City Center (m2)

$5,903 GHS 69.2K

$971 BGN 1,699

507.90%

Average Monthly Net Salary (After Tax)

$419 GHS 4,913

$1,670 BGN 2,923

-74.93%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.99

1070.57%

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

Last update for Tema: October 4, 2026

Last update for Bansko: October 6, 2026

Monthly budget structure

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

Groceries & Markets

Tema

$216 28.9%

Bansko

$193 20% 10.4% $22

Monthly Utilities & Internet

Tema

$176 23.6%

Bansko

$118 12.2% 32.8% $58

Eating Out

Tema

$143 * 19.2%

Bansko

$145 15% 1.5% $2.1

Accommodation & Living

Tema

$71 9.6%

Bansko

$367 38% 415% $296

Getting Around

Tema

$52 7%

Bansko

$35 3.6% 33% $17

Clothing & Footwear

Tema

$46 6.2%

Bansko

$65 6.7% 39.4% $18

Sport & Entertainment

Tema

$42 5.6%

Bansko

$44 4.5% 4.6% $1.9

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

Cost Breakdown

A central one-bedroom costs $126 in Tema versus $521 in Bansko. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 299% higher in Bansko, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $28.00 in Tema versus $47.00 in Bansko. Groceries tell a different story – $216 in Tema vs $193 in Bansko – so Bansko wins on supermarket bills even if dining out costs more.

Good to know

🇬🇭 Tema

🇧🇬 Bansko

🕒 Local time

04:50 4:50 AM

07:50 7:50 AM

3 h ahead of Tema

🌤 Weather

👥 Population

160,000

8,000

💱 Currency

Ghanaian Cedi GHS ₵

Bulgarian Lev BGN лв.

📈 Exchange rate

100 GHS = 8.53 USD

100 GHS = 7.6 EUR

1 BGN = 0.571 USD

1 BGN = 0.509 EUR

Exchange rates and currency converter

BGN, USD, EUR to GHS – Ghanaian Cedi Converter

🇺🇸 United States Dollar ($)

🇬🇭 Ghanaian Cedi (₵)

Ghanaian Cedi exchange rates as of October 10, 2026: 1 USD = 11.73 GHS (100 GHS = 8.53 USD). 1 EUR = 13.16 GHS (100 GHS = 7.6 EUR).

Bulgarian Lev exchange rates as of October 10, 2026: 1 USD = 1.75 BGN (1 BGN = 0.571 USD). 1 EUR = 1.96 BGN (1 BGN = 0.509 EUR).

USD to GHS in detail →

On the map

Lowest

Highest

Between locations

Tema Bansko 4,650 km ≈ 6 h nonstop flight

From you

Tema
Bansko

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

Tema vs Bansko: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $738 in Tema, $970 in Bansko – roughly 31% apart. Outside of rent, the biggest gap is in utilities.

For a comfortable life, plan on about $1,107 per month in Tema and $1,455 in Bansko. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Tema, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $28.00 in Tema and $47.00 in Bansko. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $738 in Tema and $970 in Bansko. That's a gap of about 31%.

A $1,000 monthly budget goes further in Tema, where all-in costs run around $738, than in Bansko at $970. In Tema it covers expenses comfortably, while in Bansko it requires careful planning or may not stretch far enough.

It depends on your priorities. Bansko has an edge in some lifestyle areas, with costs from $738 in Tema to $970 in Bansko. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Tema. If higher salaries, better infrastructure, or specific career opportunities are the priority, Bansko makes more sense. Both are solid long-term options with distinct trade-offs.