Last update: Oct 2026

Cost of Living Comparison Between Tema and Ho

For one person, living is cheaper in Ho: $683 a month against $746 in Tema, rent and utilities included – about $760 less a year. Higher rent and utilities in Tema outweigh lower spending on other living expenses.

36

Cost of Living Index in Tema
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Tema Living Index
33

Cost of Living Index in Ho
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Ho Living Index

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Tema

🇬🇭 Ghana

$746

/mo nomad

🇬🇭 Ghana

$683

/mo nomad

Monthly Cost of Living

How much you'll spend in Tema and in Ho

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

Monthly costs for one person with rent: $746 in Tema versus $683 in Ho.

Tema $746
Ho $683

Estimated couple costs with rent: $1,186 in Tema versus $1,149 in Ho.

Tema $1,186
Ho $1,149

Monthly costs for a family of three with rent: $1,627 in Tema versus $1,615 in Ho.

Tema $1,627
Ho $1,615

Living in Tema is roughly 9% more expensive than in Ho, and outside of rent the biggest gap is in transport.

Both cities sit below the global median: Tema 45% lower, Ho 50% lower.

Meal at Budget Restaurant

$7.04 GHS 81.6

$8.69 GHS 101

-18.99%

Three-Course Dinner for Two, Mid-Range

$27.68 GHS 321

$51.2 GHS 593

-45.94%

Fast Food Meal (McDonalds, etc)

$10.18 GHS 118

Cappuccino

$5.09 GHS 59.0

$4.50 GHS 52.1

13.11%

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

$0.85 GHS 9.79

$1.56 GHS 18.07

-45.51%

Water (0.33 liter bottle)

$0.30 GHS 3.48

$0.47 GHS 5.48

-36.17%

Local Beer (0.5 liter draught)

$3.31 GHS 38.31

$1.84 GHS 21.27

79.89%

Imported Beer (0.33 liter bottle)

$2.56 GHS 29.59

$2.20 GHS 25.49

16.36%

Milk (1 liter)

$3.25 GHS 37.67

$3.57 GHS 41.36

-8.96%

White Bread (500g)

$1.54 GHS 17.83

$1.66 GHS 19.21

-7.23%

Rice (white) (1kg)

$1.98 GHS 22.93

$3.10 GHS 35.89

-36.13%

Eggs

$2.37 GHS 27.44

$2.60 GHS 30.13

-8.85%

Local Cheese (1kg)

$4.27 GHS 49.40

$11.85 GHS 137

-63.97%

Chicken Fillets (1kg)

$3.18 GHS 36.79

$7.48 GHS 86.6

-57.49%

Beef Round Steak (1kg)

$3.43 GHS 39.70

$10.09 GHS 117

-66.01%

Apples (1kg)

$2.63 GHS 30.42

$3.75 GHS 43.37

-29.87%

Banana (1kg)

$2.11 GHS 24.42

$1.41 GHS 16.27

49.65%

Oranges (1kg)

$2.20 GHS 25.43

$1.78 GHS 20.60

23.60%

Tomato (1kg)

$3.48 GHS 40.33

$3.53 GHS 40.89

-1.42%

Potato (1kg)

$3.34 GHS 38.69

$2.79 GHS 32.32

19.71%

Onion (1kg)

$2.75 GHS 31.86

$2.78 GHS 32.19

-1.08%

Lettuce (1 head)

$0.44 GHS 5.14

$0.75 GHS 8.63

-41.33%

Water (1.5 liter bottle)

$0.66 GHS 7.60

$0.58 GHS 6.68

13.79%

Cigarettes 20 Pack (Marlboro, Camel)

$1.32 GHS 15.26

$2.53 GHS 29.31

-47.83%

Wine (Bottle)

$8.67 GHS 100

$7.03 GHS 81.5

23.33%

Local Beer (0.5 liter bottle)

$2.16 GHS 25.07

$1.29 GHS 14.95

67.44%

Imported Beer (0.33 liter bottle)

$3.04 GHS 35.22

$2.40 GHS 27.79

26.67%

One-way Ticket (Public Transport)

$1.69 GHS 19.58

Public Transport Monthly Pass (Regular Price)

$41.27 GHS 478

Taxi Start (Normal Tariff)

$2.11 GHS 24.45

$1.75 GHS 20.22

20.57%

Taxi (Normal Tariff) (1km)

$0.41 GHS 4.80

$1.32 GHS 15.28

-68.94%

Taxi 1hour Waiting (Normal Tariff)

$4.37 GHS 50.6

Gasoline (1 liter)

$1.14 GHS 13.22

$1.36 GHS 15.69

-16.18%

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

$7,868 GHS 91.1K

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

$20.2K GHS 234.5K

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

$76.6 GHS 887

$74.6 GHS 863

2.67%

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

$14.89 GHS 172

$19.63 GHS 227

-24.15%

Internet (50+ Mbps, Unlimited Data)

$83.0 GHS 961

$43.36 GHS 502

91.40%

Gym Membership (Monthly)

$23.21 GHS 269

Cinema Ticket

$8.76 GHS 101

$13.15 GHS 152

-33.38%

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

$174 GHS 2,012

$463 GHS 5,366

-62.50%

International Primary School, 1 Child (Yearly)

$2,582 GHS 29.9K

$18.8K GHS 218.1K

-86.29%

Jeans (Levis 501 Or Similar)

$12.97 GHS 150

$14.51 GHS 168

-10.61%

Summer Dress (H&M, Zara, etc)

$15.23 GHS 176

$18.97 GHS 220

-19.72%

Sport Shoes (Adidas, Nike)

$43.68 GHS 506

$36.41 GHS 422

19.97%

Men's Leather Business Shoes

$32.85 GHS 380

$53.2 GHS 616

-38.23%

1-bedroom Apartment, City Center (Monthly)

$127 GHS 1,469

1-bedroom Apartment, Outside City Center (Monthly)

$72.0 GHS 833

3-bedroom Apartment, City Center (Monthly)

$436 GHS 5,048

3-bedroom Apartment, Outside City Center (Monthly)

$217 GHS 2,511

Buy Apartment in City Center (m2)

$9,800 GHS 113.5K

Buy Apartment Outside City Center (m2)

$5,945 GHS 68.8K

Average Monthly Net Salary (After Tax)

$419 GHS 4,854

20-Year Fixed Mortgage Interest Rate (Annual %)

26.75

30.84%

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

Last update for Tema: October 25, 2026

Last update for Ho: October 26, 2026

Monthly budget structure

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

Groceries & Markets

Tema

$216 28.9%

$279 40.9% 29.5% $64

Monthly Utilities & Internet

Tema

$174 23.4%

$138 20.2% 21.1% $37

Eating Out

Tema

$144 * 19.3%

$176 25.7% 22.3% $32

Accommodation & Living

Tema

$72 9.7%

- * 0% 100%

Getting Around

Tema

$52 7%

$8.3 * 1.2% 84% $44

Clothing & Footwear

Tema

$47 6.3%

$55 8.1% 17.5% $8.3

Sport & Entertainment

Tema

$41 5.5%

$26 * 3.9% 35.4% $14

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

Cost Breakdown

Dining out: $28 in Tema vs $51 in Ho for a mid-range dinner for two. Groceries echo the gap at $216 vs $279 per month, with Tema cheaper across the board.

Good to know

🇬🇭 Tema

🇬🇭 Ho

🕒 Local time

18:38 6:38 PM

Same time as Tema

🌤 Weather

👥 Population

160,000

83,715

💱 Currency

Ghanaian Cedi GHS ₵

📈 Exchange rate

100 GHS = 8.64 USD

100 GHS = 7.76 EUR

100 GHS = 8.64 USD

100 GHS = 7.76 EUR

Exchange rates and currency converter

On the map

Lowest

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Between locations

Tema Ho 120 km

From you

Tema
Ho

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 Ho: Cost of Living - Frequently Asked Questions

Tema and Ho differ by about 9% in total monthly costs ($746 vs $683 including rent). Ho is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You’d need roughly $1,119 in Tema and $1,024 in Ho 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 $174 in Tema versus $463 in Ho. 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 Ho. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $1,200 a month, though Ho 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.