Last update: Oct 2026

Cost of Living Comparison Between Tema and Kumasi

For one person, living is cheaper in Kumasi: $495 a month against $746 in Tema, rent and utilities included – about $3,000 less a year. Other living expenses account for most of the difference.

36

Cost of Living Index in Tema
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Tema Living Index
24

Cost of Living Index in Kumasi
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Kumasi Living Index

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Tema

🇬🇭 Ghana

$746

/mo nomad

Kumasi

🇬🇭 Ghana

$495

/mo nomad

Monthly Cost of Living

How much you'll spend in Tema and in Kumasi

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Tema and in Kumasi actually costs, broken down by who's living it.

A single person spends $746 per month in Tema vs $495 in Kumasi, rent included.

Tema $746
Kumasi $495

A couple spends around $1,186 per month in Tema vs $816 in Kumasi, rent included.

Tema $1,186
Kumasi $816

A family of three spends $1,627 per month in Tema vs $1,137 in Kumasi, rent included.

Tema $1,627
Kumasi $1,137

Tema costs about 51% more than Kumasi, and outside of rent the biggest gap is in eating out.

Both Tema and Kumasi are more affordable than the global median – Tema 45% lower, Kumasi 64% lower.

Meal at Budget Restaurant

$7.04 GHS 82.1

$3.45 GHS 40.13

104.06%

Three-Course Dinner for Two, Mid-Range

$27.68 GHS 322

$33.93 GHS 395

-18.42%

Fast Food Meal (McDonalds, etc)

$10.33 GHS 120

Cappuccino

$5.09 GHS 59.3

$1.09 GHS 12.70

366.97%

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

$0.85 GHS 9.85

$0.71 GHS 8.32

19.72%

Water (0.33 liter bottle)

$0.30 GHS 3.50

$0.27 GHS 3.17

11.11%

Local Beer (0.5 liter draught)

$3.31 GHS 38.54

$0.93 GHS 10.80

255.91%

Imported Beer (0.33 liter bottle)

$2.56 GHS 29.77

$1.71 GHS 19.91

49.71%

Milk (1 liter)

$3.25 GHS 37.90

$1.79 GHS 20.89

81.56%

White Bread (500g)

$1.54 GHS 17.94

$1.61 GHS 18.73

-4.35%

Rice (white) (1kg)

$1.98 GHS 23.07

$1.69 GHS 19.72

17.16%

Eggs

$2.37 GHS 27.61

$2.39 GHS 27.85

-0.84%

Local Cheese (1kg)

$4.27 GHS 49.70

$5.79 GHS 67.5

-26.25%

Chicken Fillets (1kg)

$3.18 GHS 37.02

$4.55 GHS 53.0

-30.11%

Beef Round Steak (1kg)

$3.43 GHS 39.94

$4.79 GHS 55.8

-28.39%

Apples (1kg)

$2.63 GHS 30.60

$1.74 GHS 20.31

51.15%

Banana (1kg)

$2.11 GHS 24.57

$0.88 GHS 10.31

139.77%

Oranges (1kg)

$2.20 GHS 25.59

$0.88 GHS 10.29

150.00%

Tomato (1kg)

$3.48 GHS 40.58

$2.16 GHS 25.21

61.11%

Potato (1kg)

$3.34 GHS 38.93

$1.73 GHS 20.16

93.06%

Onion (1kg)

$2.75 GHS 32.06

$1.26 GHS 14.65

118.25%

Lettuce (1 head)

$0.44 GHS 5.18

$0.71 GHS 8.25

-38.03%

Water (1.5 liter bottle)

$0.66 GHS 7.64

$0.60 GHS 7.03

10.00%

Cigarettes 20 Pack (Marlboro, Camel)

$1.32 GHS 15.35

$0.84 GHS 9.80

57.14%

Wine (Bottle)

$8.67 GHS 101

$1.32 GHS 15.39

556.82%

Local Beer (0.5 liter bottle)

$2.16 GHS 25.22

$1.23 GHS 14.33

75.61%

Imported Beer (0.33 liter bottle)

$3.04 GHS 35.43

$2.33 GHS 27.14

30.47%

One-way Ticket (Public Transport)

$1.69 GHS 19.70

$0.55 GHS 6.36

207.27%

Public Transport Monthly Pass (Regular Price)

$41.27 GHS 481

$20.62 GHS 240

100.15%

Taxi Start (Normal Tariff)

$2.11 GHS 24.59

$0.84 GHS 9.81

151.19%

Taxi (Normal Tariff) (1km)

$0.41 GHS 4.83

$1.32 GHS 15.34

-68.94%

Taxi 1hour Waiting (Normal Tariff)

$1.67 GHS 19.44

Gasoline (1 liter)

$1.14 GHS 13.30

$1.14 GHS 13.31

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

$8,015 GHS 93.4K

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

$20.3K GHS 236.6K

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

$76.6 GHS 892

$43.47 GHS 506

76.10%

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

$14.89 GHS 173

$19.28 GHS 225

-22.77%

Internet (50+ Mbps, Unlimited Data)

$83.0 GHS 967

$43.32 GHS 505

91.57%

Gym Membership (Monthly)

$23.21 GHS 270

$29.97 GHS 349

-22.56%

Cinema Ticket

$8.76 GHS 102

$13.11 GHS 153

-33.18%

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

$174 GHS 2,024

$458 GHS 5,341

-62.11%

International Primary School, 1 Child (Yearly)

$2,582 GHS 30.1K

$5,431 GHS 63.3K

-52.47%

Jeans (Levis 501 Or Similar)

$12.97 GHS 151

$14.26 GHS 166

-9.05%

Summer Dress (H&M, Zara, etc)

$15.23 GHS 177

$18.46 GHS 215

-17.50%

Sport Shoes (Adidas, Nike)

$43.68 GHS 509

$36.90 GHS 430

18.37%

Men's Leather Business Shoes

$32.85 GHS 383

$52.3 GHS 609

-37.20%

1-bedroom Apartment, City Center (Monthly)

$127 GHS 1,478

1-bedroom Apartment, Outside City Center (Monthly)

$72.0 GHS 838

3-bedroom Apartment, City Center (Monthly)

$436 GHS 5,078

3-bedroom Apartment, Outside City Center (Monthly)

$217 GHS 2,527

Buy Apartment in City Center (m2)

$9,800 GHS 114.2K

Buy Apartment Outside City Center (m2)

$5,945 GHS 69.3K

Average Monthly Net Salary (After Tax)

$419 GHS 4,883

$415 GHS 4,840

0.89%

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: October 25, 2026

Last update for Kumasi: October 25, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Groceries & Markets

Tema

$216 28.9%

Kumasi

$164 33.2% 23.8% $51

Monthly Utilities & Internet

Tema

$174 23.4%

Kumasi

$106 21.4% 39.2% $68

Eating Out

Tema

$144 * 19.3%

Kumasi

$84 16.9% 41.8% $60

Accommodation & Living

Tema

$72 9.7%

Kumasi

- * 0% 100%

Getting Around

Tema

$52 7%

Kumasi

$30 6.1% 42.1% $22

Clothing & Footwear

Tema

$47 6.3%

Kumasi

$55 11.1% 16.4% $7.7

Sport & Entertainment

Tema

$41 5.5%

Kumasi

$56 11.3% 38% $15

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A mid-range dinner for two costs $28 in Tema versus $34 in Kumasi. Groceries tell a different story – $216 in Tema vs $164 in Kumasi – so Kumasi wins on supermarket bills even if dining out costs more.

Good to know

🇬🇭 Tema

🇬🇭 Kumasi

🕒 Local time

00:46 12:46 AM

Same time as Tema

🌤 Weather

👥 Population

160,000

1,517,000

💱 Currency

Ghanaian Cedi GHS ₵

📈 Exchange rate

100 GHS = 8.58 USD

100 GHS = 7.69 EUR

100 GHS = 8.58 USD

100 GHS = 7.69 EUR

Exchange rates and currency converter

On the map

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Tema Kumasi 210 km

From you

Tema
Kumasi

Distances are measured in a straight line. Your location is detected approximately.

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: $746 in Tema, $495 in Kumasi – Kumasi comes out roughly 34% cheaper. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $1,119 per month in Tema and $743 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 the gap depends on what you buy.

A mid-range dinner for two costs $28 in Tema and $34 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 $746 in Tema and $495 in Kumasi, leaving budget for savings and extras in both cases.