Cost of Living Comparison Between Tema and Kumasi Cost of Living Comparison Between Tema and Kumasi

Monthly Cost of Living

A single person spends $608 per month in Tema vs $429 in Kumasi, rent included.

A couple spends around $984 per month in Tema vs $717 in Kumasi, rent included.

A family of three spends $1,360 per month in Tema vs $1,006 in Kumasi, rent included.

Tema costs about 42% more than Kumasi, driven mainly by Eating Out.

Both Tema and Kumasi are more affordable than the global median – Tema 55% lower, Kumasi 68% lower.

Meal at Budget Restaurant

$7.23 GHS 79.5

$2.78 GHS 30.63

160.07%

Three-Course Dinner for Two, Mid-Range

$27.52 GHS 303

$32.23 GHS 355

-14.61%

Fast Food Meal (McDonalds, etc)

$7.79 GHS 85.7

$7.75 GHS 85.2

0.52%

Cappuccino

$1.52 GHS 16.70

$0.82 GHS 9.07

85.37%

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

$1.03 GHS 11.37

$0.55 GHS 6.09

87.27%

Water (0.33 liter bottle)

$0.31 GHS 3.40

$0.21 GHS 2.30

47.62%

Local Beer (0.5 liter draught)

$1.71 GHS 18.85

$0.83 GHS 9.09

106.02%

Imported Beer (0.33 liter bottle)

$2.67 GHS 29.35

$1.59 GHS 17.52

67.92%

Milk (1 liter)

$3.05 GHS 33.53

$1.78 GHS 19.56

71.35%

White Bread (500g)

$1.65 GHS 18.14

$1.49 GHS 16.38

10.74%

Rice (white) (1kg)

$1.50 GHS 16.45

$1.66 GHS 18.28

-9.64%

Eggs

$2.17 GHS 23.89

$2.18 GHS 24.02

-0.46%

Local Cheese (1kg)

$3.60 GHS 39.57

$5.74 GHS 63.2

-37.28%

Chicken Fillets (1kg)

$2.64 GHS 29.03

$4.46 GHS 49.04

-40.81%

Beef Round Steak (1kg)

$2.44 GHS 26.89

$4.97 GHS 54.7

-50.91%

Apples (1kg)

$2.79 GHS 30.65

$1.67 GHS 18.39

67.07%

Banana (1kg)

$1.99 GHS 21.89

$0.78 GHS 8.58

155.13%

Oranges (1kg)

$2.07 GHS 22.81

$0.78 GHS 8.60

165.38%

Tomato (1kg)

$2.94 GHS 32.39

$1.98 GHS 21.82

48.48%

Potato (1kg)

$1.80 GHS 19.83

$1.69 GHS 18.55

6.51%

Onion (1kg)

$1.98 GHS 21.81

$1.14 GHS 12.51

73.68%

Lettuce (1 head)

$0.60 GHS 6.63

$0.76 GHS 8.35

-21.05%

Water (1.5 liter bottle)

$0.83 GHS 9.12

$0.52 GHS 5.68

59.62%

Cigarettes 20 Pack (Marlboro, Camel)

$0.78 GHS 8.58

Wine (Bottle)

$6.88 GHS 75.7

$1.24 GHS 13.60

454.84%

Local Beer (0.5 liter bottle)

$0.87 GHS 9.58

$1.12 GHS 12.29

-22.32%

Imported Beer (0.33 liter bottle)

$1.86 GHS 20.50

One-way Ticket (Public Transport)

$2.00 GHS 22.05

$0.39 GHS 4.28

412.82%

Public Transport Monthly Pass (Regular Price)

$39.98 GHS 440

$19.86 GHS 218

101.31%

Taxi Start (Normal Tariff)

$1.42 GHS 15.57

$0.84 GHS 9.27

69.05%

Taxi (Normal Tariff) (1km)

$0.72 GHS 7.92

$1.17 GHS 12.90

-38.46%

Taxi 1hour Waiting (Normal Tariff)

$1.60 GHS 17.61

Gasoline (1 liter)

$1.22 GHS 13.46

$1.10 GHS 12.12

10.91%

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

$7,965 GHS 87.6K

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

$9,648 GHS 106.1K

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

$30.56 GHS 336

$40.78 GHS 449

-25.06%

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

$12.40 GHS 136

$13.14 GHS 145

-5.63%

Internet (50+ Mbps, Unlimited Data)

$63.9 GHS 703

$37.13 GHS 408

72.15%

Gym Membership (Monthly)

$19.29 GHS 212

$28.70 GHS 316

-32.79%

Cinema Ticket

$9.47 GHS 104

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

$83.0 GHS 913

$72.0 GHS 792

15.28%

International Primary School, 1 Child (Yearly)

$5,500 GHS 60.5K

Jeans (Levis 501 Or Similar)

$24.85 GHS 273

$14.78 GHS 163

68.13%

Summer Dress (H&M, Zara, etc)

$25.05 GHS 276

$18.51 GHS 204

35.33%

Sport Shoes (Adidas, Nike)

$45.65 GHS 502

$29.41 GHS 324

55.22%

Men's Leather Business Shoes

$62.2 GHS 684

$41.83 GHS 460

48.60%

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

$313 GHS 3,445

31.51%

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 Kumasi: June 7, 2026

Cost Breakdown

Salaries run about 32% higher in Tema, 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 $32.00 in Kumasi. Groceries tell a different story – $182 in Tema vs $157 in Kumasi – so Kumasi wins on supermarket bills even if dining out costs more.

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 Kumasi: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $608 in Tema, $429 in Kumasi – roughly 42% apart. Tema costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $912 per month in Tema and $643 in Kumasi. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Groceries cost about 16% more in Tema, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $28.00 in Tema and $32.00 in Kumasi. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

$1,200 covers both cities comfortably – all-in costs are $608 in Tema and $429 in Kumasi, leaving budget for savings and extras in both cases.

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

If budget matters most, go with Kumasi. If higher salaries, better infrastructure, or specific career opportunities are the priority, Tema makes more sense. Both are solid long-term options with distinct trade-offs.