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

Monthly Cost of Living

A single person spends $757 per month in Tema vs $512 in Kumasi, rent included.

A couple spends around $1,192 per month in Tema vs $844 in Kumasi, rent included.

A family of three spends $1,627 per month in Tema vs $1,176 in Kumasi, rent included.

Tema costs about 48% more than Kumasi, driven mainly by Eating Out.

Both Tema and Kumasi are more affordable than the global median – Tema 45% lower, Kumasi 63% lower.

Meal at Budget Restaurant

$7.16 GHS 82.2

$3.55 GHS 40.73

101.69%

Three-Course Dinner for Two, Mid-Range

$28.16 GHS 323

$35.33 GHS 406

-20.29%

Fast Food Meal (McDonalds, etc)

$10.74 GHS 123

Cappuccino

$5.35 GHS 61.4

$1.09 GHS 12.56

390.83%

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

$0.86 GHS 9.84

$0.73 GHS 8.43

17.81%

Water (0.33 liter bottle)

$0.30 GHS 3.49

$0.27 GHS 3.13

11.11%

Local Beer (0.5 liter draught)

$3.30 GHS 37.92

$0.99 GHS 11.39

233.33%

Imported Beer (0.33 liter bottle)

$2.62 GHS 30.08

$1.78 GHS 20.40

47.19%

Milk (1 liter)

$3.25 GHS 37.28

$1.90 GHS 21.78

71.05%

White Bread (500g)

$1.63 GHS 18.75

$1.70 GHS 19.53

-4.12%

Rice (white) (1kg)

$2.10 GHS 24.07

$1.72 GHS 19.69

22.09%

Eggs

$2.28 GHS 26.18

$2.44 GHS 27.96

-6.56%

Local Cheese (1kg)

$4.46 GHS 51.2

$5.85 GHS 67.2

-23.76%

Chicken Fillets (1kg)

$3.18 GHS 36.53

$4.49 GHS 51.5

-29.18%

Beef Round Steak (1kg)

$3.41 GHS 39.14

$5.00 GHS 57.4

-31.80%

Apples (1kg)

$2.64 GHS 30.32

$1.71 GHS 19.62

54.39%

Banana (1kg)

$2.24 GHS 25.76

$0.90 GHS 10.38

148.89%

Oranges (1kg)

$2.19 GHS 25.18

$0.84 GHS 9.62

160.71%

Tomato (1kg)

$3.57 GHS 41.02

$2.21 GHS 25.33

61.54%

Potato (1kg)

$3.56 GHS 40.89

$1.69 GHS 19.43

110.65%

Onion (1kg)

$2.91 GHS 33.44

$1.35 GHS 15.48

115.56%

Lettuce (1 head)

$0.46 GHS 5.26

$0.77 GHS 8.82

-40.26%

Water (1.5 liter bottle)

$0.72 GHS 8.22

$0.61 GHS 6.98

18.03%

Cigarettes 20 Pack (Marlboro, Camel)

$1.28 GHS 14.75

$0.85 GHS 9.79

50.59%

Wine (Bottle)

$8.84 GHS 101

$1.28 GHS 14.70

590.63%

Local Beer (0.5 liter bottle)

$2.14 GHS 24.52

$1.28 GHS 14.70

67.19%

Imported Beer (0.33 liter bottle)

$2.99 GHS 34.33

$2.34 GHS 26.84

27.78%

One-way Ticket (Public Transport)

$1.75 GHS 20.13

$0.53 GHS 6.11

230.19%

Public Transport Monthly Pass (Regular Price)

$42.05 GHS 483

$20.67 GHS 237

103.43%

Taxi Start (Normal Tariff)

$2.19 GHS 25.19

$0.84 GHS 9.67

160.71%

Taxi (Normal Tariff) (1km)

$0.46 GHS 5.26

$1.34 GHS 15.33

-65.67%

Taxi 1hour Waiting (Normal Tariff)

$1.76 GHS 20.22

Gasoline (1 liter)

$1.15 GHS 13.20

$1.11 GHS 12.78

3.60%

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

$8,149 GHS 93.6K

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

$9,811 GHS 112.6K

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

$77.3 GHS 887

$43.15 GHS 495

79.14%

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

$15.28 GHS 175

$19.77 GHS 227

-22.71%

Internet (50+ Mbps, Unlimited Data)

$84.0 GHS 964

$43.20 GHS 496

94.35%

Gym Membership (Monthly)

$24.06 GHS 276

$30.53 GHS 351

-21.19%

Cinema Ticket

$8.89 GHS 102

$13.01 GHS 149

-31.67%

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

$177 GHS 2,031

$458 GHS 5,257

-61.36%

International Primary School, 1 Child (Yearly)

$2,608 GHS 29.9K

$5,431 GHS 62.3K

-51.99%

Jeans (Levis 501 Or Similar)

$13.20 GHS 152

$14.62 GHS 168

-9.71%

Summer Dress (H&M, Zara, etc)

$15.86 GHS 182

$19.24 GHS 221

-17.57%

Sport Shoes (Adidas, Nike)

$44.09 GHS 506

$36.89 GHS 424

19.52%

Men's Leather Business Shoes

$32.67 GHS 375

$54.0 GHS 620

-39.54%

1-bedroom Apartment, City Center (Monthly)

$130 GHS 1,493

1-bedroom Apartment, Outside City Center (Monthly)

$72.8 GHS 836

3-bedroom Apartment, City Center (Monthly)

$428 GHS 4,917

3-bedroom Apartment, Outside City Center (Monthly)

$218 GHS 2,501

Buy Apartment in City Center (m2)

$9,958 GHS 114.3K

Buy Apartment Outside City Center (m2)

$5,932 GHS 68.1K

Average Monthly Net Salary (After Tax)

$430 GHS 4,935

$420 GHS 4,825

2.29%

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 13, 2026

Last update for Kumasi: September 15, 2026

Cost Breakdown

Salaries run about 2% 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 $35.00 in Kumasi. Groceries tell a different story – $220 in Tema vs $168 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: $757 in Tema, $512 in Kumasi – roughly 48% apart. Tema costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $1,135 per month in Tema and $768 in Kumasi. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Groceries cost about 31% 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 $35.00 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 $757 in Tema and $512 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.