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: $608 in Tema versus $345 in Ho.

Estimated couple costs with rent: $984 in Tema versus $562 in Ho.

Monthly costs for a family of three with rent: $1,360 in Tema versus $780 in Ho.

Living in Tema is roughly 76% more expensive than Ho, driven mainly by Eating Out.

Both cities sit below the global median: Tema 55% lower, Ho 74% lower.

Meal at Budget Restaurant

$7.23 GHS 79.5

$2.94 GHS 32.34

145.92%

Three-Course Dinner for Two, Mid-Range

$27.52 GHS 303

$9.87 GHS 109

178.82%

Fast Food Meal (McDonalds, etc)

$7.79 GHS 85.7

$3.97 GHS 43.70

96.22%

Cappuccino

$1.52 GHS 16.70

$1.48 GHS 16.29

2.70%

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

$1.03 GHS 11.37

$0.50 GHS 5.50

106.00%

Water (0.33 liter bottle)

$0.31 GHS 3.40

$0.30 GHS 3.31

3.33%

Local Beer (0.5 liter draught)

$1.71 GHS 18.85

$0.47 GHS 5.19

263.83%

Imported Beer (0.33 liter bottle)

$2.67 GHS 29.35

$0.79 GHS 8.73

237.97%

Milk (1 liter)

$3.05 GHS 33.53

$1.15 GHS 12.63

165.22%

White Bread (500g)

$1.65 GHS 18.14

$0.51 GHS 5.60

223.53%

Rice (white) (1kg)

$1.50 GHS 16.45

$0.76 GHS 8.41

97.37%

Eggs

$2.17 GHS 23.89

$2.38 GHS 26.23

-8.82%

Local Cheese (1kg)

$3.60 GHS 39.57

$10.99 GHS 121

-67.24%

Chicken Fillets (1kg)

$2.64 GHS 29.03

$4.26 GHS 46.91

-38.03%

Beef Round Steak (1kg)

$2.44 GHS 26.89

$5.28 GHS 58.1

-53.79%

Apples (1kg)

$2.79 GHS 30.65

$2.18 GHS 23.97

27.98%

Banana (1kg)

$1.99 GHS 21.89

$0.95 GHS 10.46

109.47%

Oranges (1kg)

$2.07 GHS 22.81

$0.93 GHS 10.18

122.58%

Tomato (1kg)

$2.94 GHS 32.39

$0.99 GHS 10.94

196.97%

Potato (1kg)

$1.80 GHS 19.83

$1.99 GHS 21.85

-9.55%

Onion (1kg)

$1.98 GHS 21.81

$0.92 GHS 10.15

115.22%

Lettuce (1 head)

$0.60 GHS 6.63

$0.28 GHS 3.05

114.29%

Water (1.5 liter bottle)

$0.83 GHS 9.12

$0.50 GHS 5.52

66.00%

Cigarettes 20 Pack (Marlboro, Camel)

$1.57 GHS 17.31

Wine (Bottle)

$6.88 GHS 75.7

$7.07 GHS 77.7

-2.69%

Local Beer (0.5 liter bottle)

$0.87 GHS 9.58

$0.56 GHS 6.17

55.36%

Imported Beer (0.33 liter bottle)

$1.16 GHS 12.73

One-way Ticket (Public Transport)

$2.00 GHS 22.05

Public Transport Monthly Pass (Regular Price)

$39.98 GHS 440

Taxi Start (Normal Tariff)

$1.42 GHS 15.57

$1.55 GHS 17.08

-8.39%

Taxi (Normal Tariff) (1km)

$0.72 GHS 7.92

$1.16 GHS 12.75

-37.93%

Taxi 1hour Waiting (Normal Tariff)

$5.47 GHS 60.1

Gasoline (1 liter)

$1.22 GHS 13.46

$0.94 GHS 10.39

29.79%

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

$5,906 GHS 65.0K

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

$7,919 GHS 87.1K

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

$30.56 GHS 336

$24.51 GHS 270

24.68%

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

$12.40 GHS 136

$13.01 GHS 143

-4.69%

Internet (50+ Mbps, Unlimited Data)

$63.9 GHS 703

$14.55 GHS 160

339.31%

Gym Membership (Monthly)

$19.29 GHS 212

Cinema Ticket

$9.52 GHS 105

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

$83.0 GHS 913

$73.5 GHS 809

12.84%

International Primary School, 1 Child (Yearly)

$7,960 GHS 87.6K

Jeans (Levis 501 Or Similar)

$24.85 GHS 273

$14.77 GHS 162

68.25%

Summer Dress (H&M, Zara, etc)

$25.05 GHS 276

$18.81 GHS 207

33.17%

Sport Shoes (Adidas, Nike)

$45.65 GHS 502

$29.52 GHS 325

54.64%

Men's Leather Business Shoes

$62.2 GHS 684

$41.79 GHS 460

48.74%

1-bedroom Apartment, City Center (Monthly)

$117 GHS 1,282

1-bedroom Apartment, Outside City Center (Monthly)

$66.2 GHS 728

3-bedroom Apartment, Outside City Center (Monthly)

$137 GHS 1,506

Buy Apartment in City Center (m2)

$9,866 GHS 108.5K

Buy Apartment Outside City Center (m2)

$5,964 GHS 65.6K

Average Monthly Net Salary (After Tax)

$412 GHS 4,531

20-Year Fixed Mortgage Interest Rate (Annual %)

32.5

25.4

27.95%

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

Last update for Tema: June 9, 2026

Last update for Ho: June 7, 2026

Cost Breakdown

Dining out: $28.00 in Tema vs $10.00 in Ho for a mid-range dinner for two. Groceries echo the gap at $182 vs $159 per month, with Ho 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 76% in total monthly costs ($608 vs $345 including rent). Ho is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $912 in Tema and $517 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 $83.0 in Tema versus $73.5 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 $10.00 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 76% less than in Tema. Beyond cost, consider language, visa policies, and how big the international community is in each city.