Cost of Living Comparison Between Tema and Ho Cost of Living Comparison Between Tema and Ho

Monthly Cost of Living

Monthly costs for one person with rent: $776 in Tema versus $704 in Ho.

Estimated couple costs with rent: $1,229 in Tema versus $1,184 in Ho.

Monthly costs for a family of three with rent: $1,682 in Tema versus $1,664 in Ho.

Living in Tema is roughly 10% more expensive than in Ho, driven mainly by Groceries & Markets.

Both cities sit below the global median: Tema 44% lower, Ho 49% lower.

Meal at Budget Restaurant

$7.06 GHS 80.6

$8.09 GHS 92.4

-12.73%

Three-Course Dinner for Two, Mid-Range

$28.37 GHS 324

$53.0 GHS 605

-46.42%

Fast Food Meal (McDonalds, etc)

$10.70 GHS 122

Cappuccino

$5.36 GHS 61.2

$4.56 GHS 52.1

17.54%

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

$0.91 GHS 10.43

$1.63 GHS 18.60

-44.17%

Water (0.33 liter bottle)

$0.29 GHS 3.28

$0.48 GHS 5.52

-39.58%

Local Beer (0.5 liter draught)

$3.29 GHS 37.60

$1.85 GHS 21.11

77.84%

Imported Beer (0.33 liter bottle)

$2.68 GHS 30.61

$2.28 GHS 26.02

17.54%

Milk (1 liter)

$3.29 GHS 37.53

$3.81 GHS 43.51

-13.65%

White Bread (500g)

$1.62 GHS 18.49

$1.75 GHS 19.94

-7.43%

Rice (white) (1kg)

$2.08 GHS 23.70

$3.11 GHS 35.57

-33.12%

Eggs

$2.46 GHS 28.09

$2.75 GHS 31.38

-10.55%

Local Cheese (1kg)

$4.32 GHS 49.38

$12.21 GHS 139

-64.62%

Chicken Fillets (1kg)

$3.39 GHS 38.74

$7.32 GHS 83.6

-53.69%

Beef Round Steak (1kg)

$3.64 GHS 41.54

$10.02 GHS 114

-63.67%

Apples (1kg)

$2.61 GHS 29.77

$3.77 GHS 43.07

-30.77%

Banana (1kg)

$2.25 GHS 25.64

$1.50 GHS 17.13

50.00%

Oranges (1kg)

$2.24 GHS 25.54

$1.79 GHS 20.44

25.14%

Tomato (1kg)

$3.53 GHS 40.36

$3.68 GHS 42.02

-4.08%

Potato (1kg)

$3.60 GHS 41.07

$2.79 GHS 31.85

29.03%

Onion (1kg)

$2.96 GHS 33.84

$2.72 GHS 31.02

8.82%

Lettuce (1 head)

$0.46 GHS 5.23

$0.79 GHS 8.99

-41.77%

Water (1.5 liter bottle)

$0.73 GHS 8.37

$0.62 GHS 7.10

17.74%

Cigarettes 20 Pack (Marlboro, Camel)

$1.34 GHS 15.31

$2.62 GHS 29.97

-48.85%

Wine (Bottle)

$9.05 GHS 103

$7.42 GHS 84.7

21.97%

Local Beer (0.5 liter bottle)

$2.15 GHS 24.60

$1.31 GHS 15.01

64.12%

Imported Beer (0.33 liter bottle)

$3.02 GHS 34.51

$2.39 GHS 27.32

26.36%

One-way Ticket (Public Transport)

$1.82 GHS 20.79

Public Transport Monthly Pass (Regular Price)

$43.17 GHS 493

Taxi Start (Normal Tariff)

$2.16 GHS 24.67

$1.77 GHS 20.19

22.03%

Taxi (Normal Tariff) (1km)

$0.43 GHS 4.91

$1.29 GHS 14.77

-66.67%

Taxi 1hour Waiting (Normal Tariff)

$4.53 GHS 51.8

Gasoline (1 liter)

$1.17 GHS 13.35

$1.36 GHS 15.49

-13.97%

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

$7,948 GHS 90.8K

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

$9,946 GHS 113.6K

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

$78.6 GHS 897

$75.5 GHS 862

4.09%

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

$15.52 GHS 177

$19.73 GHS 225

-21.34%

Internet (50+ Mbps, Unlimited Data)

$84.3 GHS 963

$44.14 GHS 504

90.98%

Gym Membership (Monthly)

$24.78 GHS 283

Cinema Ticket

$8.72 GHS 99.5

$13.30 GHS 152

-34.44%

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

$177 GHS 2,022

$465 GHS 5,315

-61.96%

International Primary School, 1 Child (Yearly)

$2,633 GHS 30.1K

$18.3K GHS 208.9K

-85.60%

Jeans (Levis 501 Or Similar)

$13.25 GHS 151

$14.58 GHS 166

-9.12%

Summer Dress (H&M, Zara, etc)

$16.17 GHS 185

$19.31 GHS 221

-16.26%

Sport Shoes (Adidas, Nike)

$44.66 GHS 510

$37.50 GHS 428

19.09%

Men's Leather Business Shoes

$33.62 GHS 384

$53.1 GHS 607

-36.71%

1-bedroom Apartment, City Center (Monthly)

$131 GHS 1,493

1-bedroom Apartment, Outside City Center (Monthly)

$74.7 GHS 853

3-bedroom Apartment, City Center (Monthly)

$449 GHS 5,132

3-bedroom Apartment, Outside City Center (Monthly)

$219 GHS 2,496

Buy Apartment in City Center (m2)

$10.1K GHS 114.8K

Buy Apartment Outside City Center (m2)

$5,994 GHS 68.4K

Average Monthly Net Salary (After Tax)

$433 GHS 4,947

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: September 7, 2026

Last update for Ho: September 6, 2026

Cost Breakdown

Dining out: $28.00 in Tema vs $53.0 in Ho for a mid-range dinner for two. Groceries echo the gap at $223 vs $286 per month, with Tema cheaper across the board.

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 10% in total monthly costs ($776 vs $704 including rent). Ho is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $1,165 in Tema and $1,056 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 $177 in Tema versus $465 in Ho. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ho – a meal for two runs $53.0 versus $28.00 in Tema. 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.

Safety-wise, Tema and Ho are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ho gentler on the wallet – expenses run 10% less than in Tema. Beyond cost, consider language, visa policies, and how big the international community is in each city.