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: $629 in Tema versus $345 in Ho.

Estimated couple costs with rent: $1,006 in Tema versus $554 in Ho.

Monthly costs for a family of three with rent: $1,383 in Tema versus $764 in Ho.

Living in Tema is roughly 82% more expensive than in Ho, driven mainly by Eating Out.

Both cities sit below the global median: Tema 53% lower, Ho 74% lower.

Meal at Budget Restaurant

$7.58 GHS 88.5

$3.00 GHS 35.03

152.67%

Three-Course Dinner for Two, Mid-Range

$28.14 GHS 329

$10.00 GHS 117

181.40%

Fast Food Meal (McDonalds, etc)

$7.83 GHS 91.5

$3.86 GHS 45.04

102.85%

Cappuccino

$1.49 GHS 17.45

$1.43 GHS 16.66

4.20%

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

$1.01 GHS 11.76

$0.51 GHS 5.96

98.04%

Water (0.33 liter bottle)

$0.33 GHS 3.88

$0.30 GHS 3.53

10.00%

Local Beer (0.5 liter draught)

$1.75 GHS 20.41

$0.47 GHS 5.46

272.34%

Imported Beer (0.33 liter bottle)

$2.66 GHS 31.06

$0.80 GHS 9.30

232.50%

Milk (1 liter)

$2.94 GHS 34.39

$1.16 GHS 13.50

153.45%

White Bread (500g)

$1.68 GHS 19.58

$0.51 GHS 5.92

229.41%

Rice (white) (1kg)

$1.57 GHS 18.29

$0.75 GHS 8.70

109.33%

Eggs

$2.18 GHS 25.42

$2.29 GHS 26.78

-4.80%

Local Cheese (1kg)

$3.79 GHS 44.22

$10.92 GHS 128

-65.29%

Chicken Fillets (1kg)

$2.72 GHS 31.76

$4.26 GHS 49.75

-36.15%

Beef Round Steak (1kg)

$2.48 GHS 28.92

$5.40 GHS 63.0

-54.07%

Apples (1kg)

$2.73 GHS 31.88

$2.12 GHS 24.78

28.77%

Banana (1kg)

$1.99 GHS 23.27

$1.01 GHS 11.85

97.03%

Oranges (1kg)

$2.02 GHS 23.61

$0.93 GHS 10.91

117.20%

Tomato (1kg)

$2.80 GHS 32.66

$0.93 GHS 10.81

201.08%

Potato (1kg)

$1.90 GHS 22.20

$1.91 GHS 22.32

-0.52%

Onion (1kg)

$1.90 GHS 22.19

$1.02 GHS 11.89

86.27%

Lettuce (1 head)

$0.63 GHS 7.40

$0.28 GHS 3.25

125.00%

Water (1.5 liter bottle)

$0.83 GHS 9.69

$0.48 GHS 5.57

72.92%

Cigarettes 20 Pack (Marlboro, Camel)

$1.58 GHS 18.47

Wine (Bottle)

$7.05 GHS 82.3

$7.14 GHS 83.4

-1.26%

Local Beer (0.5 liter bottle)

$0.83 GHS 9.66

$0.56 GHS 6.49

48.21%

Imported Beer (0.33 liter bottle)

$1.14 GHS 13.33

One-way Ticket (Public Transport)

$2.08 GHS 24.25

Public Transport Monthly Pass (Regular Price)

$38.71 GHS 452

Taxi Start (Normal Tariff)

$1.36 GHS 15.87

$1.59 GHS 18.63

-14.47%

Taxi (Normal Tariff) (1km)

$0.72 GHS 8.45

$1.20 GHS 14.06

-40.00%

Taxi 1hour Waiting (Normal Tariff)

$5.47 GHS 63.9

Gasoline (1 liter)

$1.23 GHS 14.35

$0.98 GHS 11.47

25.51%

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

$5,792 GHS 67.6K

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

$7,771 GHS 90.8K

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

$30.27 GHS 354

$23.97 GHS 280

26.28%

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

$12.18 GHS 142

$13.01 GHS 152

-6.38%

Internet (50+ Mbps, Unlimited Data)

$63.4 GHS 740

$14.69 GHS 172

331.52%

Gym Membership (Monthly)

$19.37 GHS 226

Cinema Ticket

$9.44 GHS 110

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

$83.9 GHS 980

$71.5 GHS 835

17.28%

International Primary School, 1 Child (Yearly)

$8,026 GHS 93.7K

Jeans (Levis 501 Or Similar)

$24.15 GHS 282

$14.74 GHS 172

63.84%

Summer Dress (H&M, Zara, etc)

$25.06 GHS 293

$18.68 GHS 218

34.15%

Sport Shoes (Adidas, Nike)

$45.15 GHS 527

$28.66 GHS 335

57.54%

Men's Leather Business Shoes

$62.5 GHS 730

$42.10 GHS 492

48.43%

1-bedroom Apartment, City Center (Monthly)

$118 GHS 1,384

1-bedroom Apartment, Outside City Center (Monthly)

$67.0 GHS 783

3-bedroom Apartment, Outside City Center (Monthly)

$136 GHS 1,589

Buy Apartment in City Center (m2)

$9,781 GHS 114.2K

Buy Apartment Outside City Center (m2)

$5,837 GHS 68.2K

Average Monthly Net Salary (After Tax)

$401 GHS 4,681

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: July 27, 2026

Last update for Ho: July 28, 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 $181 vs $158 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 82% in total monthly costs ($629 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 $943 in Tema and $518 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 $83.9 in Tema versus $71.5 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 82% less than in Tema. Beyond cost, consider language, visa policies, and how big the international community is in each city.