Last update: Oct 2026

Cost of Living Comparison Between Tema and Berlin

For one person, living is cheaper in Tema: $738 a month against $2,545 in Berlin, rent and utilities included – about $21,700 less a year. Rent and utilities account for most of the difference.

36

Cost of Living Index in Tema
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Tema Living Index
124

Cost of Living Index in Berlin
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Berlin Living Index

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Tema

🇬🇭 Ghana

$738

/mo nomad

Berlin

🇩🇪 Germany

$2,545

/mo nomad

Monthly Cost of Living

How much you'll spend in Tema and in Berlin

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 Berlin actually costs, broken down by who's living it.

A single person spends $738 per month in Tema vs $2,545 in Berlin, rent included.

Tema $738
Berlin $2,545

A couple spends around $1,173 per month in Tema vs $3,901 in Berlin, rent included.

Tema $1,173
Berlin $3,901

A family of three spends $1,608 per month in Tema vs $5,257 in Berlin, rent included.

Tema $1,608
Berlin $5,257

Tema is about 71% cheaper than Berlin, and outside of rent the biggest gap is in eating out.

Tema sits 45% below the global median, while Berlin is 90% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$7.03 GHS 82.4

$16.81 €14.99

-58.18%

Three-Course Dinner for Two, Mid-Range

$27.88 GHS 327

$79.6 €71.0

-64.97%

Fast Food Meal (McDonalds, etc)

$13.38 €11.93

Cappuccino

$5.05 GHS 59.2

$4.27 €3.81

18.27%

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

$0.90 GHS 10.56

$3.40 €3.03

-73.53%

Water (0.33 liter bottle)

$0.30 GHS 3.55

$3.12 €2.78

-90.38%

Local Beer (0.5 liter draught)

$3.29 GHS 38.60

$5.48 €4.88

-39.96%

Imported Beer (0.33 liter bottle)

$2.61 GHS 30.61

$4.56 €4.06

-42.76%

Milk (1 liter)

$3.16 GHS 37.11

$1.27 €1.13

148.82%

White Bread (500g)

$1.60 GHS 18.81

$2.45 €2.18

-34.69%

Rice (white) (1kg)

$2.07 GHS 24.29

$3.30 €2.94

-37.27%

Eggs

$2.30 GHS 27.02

$4.45 €3.97

-48.31%

Local Cheese (1kg)

$4.38 GHS 51.4

$17.10 €15.25

-74.39%

Chicken Fillets (1kg)

$3.17 GHS 37.14

$12.19 €10.87

-74.00%

Beef Round Steak (1kg)

$3.38 GHS 39.66

$18.30 €16.32

-81.53%

Apples (1kg)

$2.61 GHS 30.66

$3.58 €3.19

-27.09%

Banana (1kg)

$2.13 GHS 25.02

$1.98 €1.76

7.58%

Oranges (1kg)

$2.21 GHS 25.97

$3.27 €2.91

-32.42%

Tomato (1kg)

$3.49 GHS 40.95

$3.81 €3.40

-8.40%

Potato (1kg)

$3.40 GHS 39.91

$2.13 €1.90

59.62%

Onion (1kg)

$2.82 GHS 33.06

$2.21 €1.97

27.60%

Lettuce (1 head)

$0.45 GHS 5.25

$1.49 €1.33

-69.80%

Water (1.5 liter bottle)

$0.67 GHS 7.84

$1.01 €0.90

-33.66%

Cigarettes 20 Pack (Marlboro, Camel)

$1.26 GHS 14.83

$10.49 €9.36

-87.99%

Wine (Bottle)

$8.54 GHS 100

$6.76 €6.03

26.33%

Local Beer (0.5 liter bottle)

$2.10 GHS 24.59

$1.34 €1.20

56.72%

Imported Beer (0.33 liter bottle)

$2.96 GHS 34.74

$2.10 €1.87

40.95%

One-way Ticket (Public Transport)

$1.68 GHS 19.70

$4.37 €3.90

-61.56%

Public Transport Monthly Pass (Regular Price)

$41.17 GHS 483

$71.0 €63.3

-41.98%

Taxi Start (Normal Tariff)

$2.10 GHS 24.69

$5.29 €4.72

-60.30%

Taxi (Normal Tariff) (1km)

$0.41 GHS 4.82

$3.05 €2.72

-86.56%

Taxi 1hour Waiting (Normal Tariff)

$36.30 €32.36

Gasoline (1 liter)

$1.19 GHS 13.96

$2.28 €2.03

-47.81%

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

$33.2K €29.6K

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

$39.1K €34.8K

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

$78.2 GHS 917

$379 €338

-79.39%

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

$15.22 GHS 179

$19.31 €17.22

-21.18%

Internet (50+ Mbps, Unlimited Data)

$82.5 GHS 968

$48.41 €43.17

70.50%

Gym Membership (Monthly)

$24.06 GHS 282

$40.31 €35.94

-40.31%

Tennis Court (1 Hour on Weekend)

$35.51 €31.66

Cinema Ticket

$8.80 GHS 103

$15.53 €13.85

-43.34%

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

$174 GHS 2,046

$144 €128

21.40%

International Primary School, 1 Child (Yearly)

$2,544 GHS 29.8K

$15.8K €14.0K

-83.85%

Jeans (Levis 501 Or Similar)

$13.07 GHS 153

$94.6 €84.4

-86.19%

Summer Dress (H&M, Zara, etc)

$15.40 GHS 181

$46.33 €41.31

-66.76%

Sport Shoes (Adidas, Nike)

$42.37 GHS 497

$103 €92.1

-58.99%

Men's Leather Business Shoes

$32.20 GHS 378

$141 €126

-77.22%

1-bedroom Apartment, City Center (Monthly)

$126 GHS 1,483

$1,488 €1,327

-91.51%

1-bedroom Apartment, Outside City Center (Monthly)

$71.3 GHS 836

$1,098 €979

-93.51%

3-bedroom Apartment, City Center (Monthly)

$426 GHS 4,999

$2,665 €2,376

-84.01%

3-bedroom Apartment, Outside City Center (Monthly)

$209 GHS 2,451

$2,080 €1,855

-89.95%

Buy Apartment in City Center (m2)

$9,909 GHS 116.2K

$8,578 €7,648

15.52%

Buy Apartment Outside City Center (m2)

$5,903 GHS 69.2K

$5,438 €4,849

8.55%

Average Monthly Net Salary (After Tax)

$419 GHS 4,913

$3,487 €3,109

-87.99%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.8

821.05%

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

Last update for Tema: October 4, 2026

Last update for Berlin: October 3, 2026

Monthly budget structure

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

Groceries & Markets

Tema

$216 28.9%

Berlin

$351 13.8% 62.6% $135

Monthly Utilities & Internet

Tema

$176 23.6%

Berlin

$447 17.6% 154% $271

Eating Out

Tema

$143 * 19.2%

Berlin

$289 11.4% 101% $145

Accommodation & Living

Tema

$71 9.6%

Berlin

$1.1K 43.3% 1440% $1K

Getting Around

Tema

$52 7%

Berlin

$109 4.3% 110% $57

Clothing & Footwear

Tema

$46 6.2%

Berlin

$174 6.8% 274% $127

Sport & Entertainment

Tema

$42 5.6%

Berlin

$71 2.8% 71.4% $30

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 $1,488 in Berlin. 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 733% higher in Berlin, 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 $80.0 in Berlin. Monthly groceries follow the same trend: $216 vs $351 – making Tema the more affordable choice for daily food spending.

Good to know

🇬🇭 Tema

🇩🇪 Berlin

🕒 Local time

02:46 2:46 AM

04:46 4:46 AM

2 h ahead of Tema

🌤 Weather

👥 Population

160,000

3,769,962 Capital

💱 Currency

Ghanaian Cedi GHS ₵

Euro EUR €

📈 Exchange rate

100 GHS = 8.53 USD

100 GHS = 7.6 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD 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).

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

USD to GHS in detail →

On the map

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Between locations

Tema Berlin 5,350 km ≈ 7 h nonstop flight

From you

Tema
Berlin

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 Berlin: Cost of Living - Frequently Asked Questions

Yes – Berlin is pricier by about 245%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $1,107 per month in Tema and $3,818 in Berlin. 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.

Monthly expenses with rent come to $738 in Tema and $2,545 in Berlin. That's a gap of about 245%.

Public transport costs about 72% less in Tema. For daily commuters, that gap adds up to noticeable savings over a year.

A $1,000 monthly budget goes further in Tema, where all-in costs run around $738, than in Berlin at $2,545. In Tema it covers expenses comfortably, while in Berlin it requires careful planning or may not stretch far enough.

Families tend to lean toward Tema – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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, Berlin makes more sense. Both are solid long-term options with distinct trade-offs.