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

Monthly Cost of Living

A single person spends $629 per month in Tema vs $441 in Kumasi, rent included.

A couple spends around $1,006 per month in Tema vs $735 in Kumasi, rent included.

A family of three spends $1,383 per month in Tema vs $1,030 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 53% lower, Kumasi 67% lower.

Meal at Budget Restaurant

$7.58 GHS 88.5

$2.82 GHS 32.95

168.79%

Three-Course Dinner for Two, Mid-Range

$28.14 GHS 329

$31.97 GHS 373

-11.98%

Fast Food Meal (McDonalds, etc)

$7.83 GHS 91.5

$7.59 GHS 88.6

3.16%

Cappuccino

$1.49 GHS 17.45

$0.81 GHS 9.48

83.95%

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

$1.01 GHS 11.76

$0.61 GHS 7.10

65.57%

Water (0.33 liter bottle)

$0.33 GHS 3.88

$0.21 GHS 2.44

57.14%

Local Beer (0.5 liter draught)

$1.75 GHS 20.41

$0.90 GHS 10.53

94.44%

Imported Beer (0.33 liter bottle)

$2.66 GHS 31.06

$1.54 GHS 17.97

72.73%

Milk (1 liter)

$2.94 GHS 34.39

$1.79 GHS 20.87

64.25%

White Bread (500g)

$1.68 GHS 19.58

$1.49 GHS 17.44

12.75%

Rice (white) (1kg)

$1.57 GHS 18.29

$1.67 GHS 19.50

-5.99%

Eggs

$2.18 GHS 25.42

$2.18 GHS 25.45

Local Cheese (1kg)

$3.79 GHS 44.22

$5.90 GHS 68.9

-35.76%

Chicken Fillets (1kg)

$2.72 GHS 31.76

$4.44 GHS 51.9

-38.74%

Beef Round Steak (1kg)

$2.48 GHS 28.92

$4.69 GHS 54.8

-47.12%

Apples (1kg)

$2.73 GHS 31.88

$1.68 GHS 19.66

62.50%

Banana (1kg)

$1.99 GHS 23.27

$0.80 GHS 9.36

148.75%

Oranges (1kg)

$2.02 GHS 23.61

$0.80 GHS 9.34

152.50%

Tomato (1kg)

$2.80 GHS 32.66

$1.97 GHS 22.95

42.13%

Potato (1kg)

$1.90 GHS 22.20

$1.68 GHS 19.60

13.10%

Onion (1kg)

$1.90 GHS 22.19

$1.12 GHS 13.11

69.64%

Lettuce (1 head)

$0.63 GHS 7.40

$0.80 GHS 9.37

-21.25%

Water (1.5 liter bottle)

$0.83 GHS 9.69

$0.48 GHS 5.59

72.92%

Cigarettes 20 Pack (Marlboro, Camel)

$0.84 GHS 9.82

Wine (Bottle)

$7.05 GHS 82.3

$1.30 GHS 15.19

442.31%

Local Beer (0.5 liter bottle)

$0.83 GHS 9.66

$1.13 GHS 13.17

-26.55%

Imported Beer (0.33 liter bottle)

$1.86 GHS 21.75

One-way Ticket (Public Transport)

$2.08 GHS 24.25

$0.42 GHS 4.88

395.24%

Public Transport Monthly Pass (Regular Price)

$38.71 GHS 452

$19.90 GHS 232

94.52%

Taxi Start (Normal Tariff)

$1.36 GHS 15.87

$0.83 GHS 9.70

63.86%

Taxi (Normal Tariff) (1km)

$0.72 GHS 8.45

$1.17 GHS 13.63

-38.46%

Taxi 1hour Waiting (Normal Tariff)

$1.62 GHS 18.96

Gasoline (1 liter)

$1.23 GHS 14.35

$1.10 GHS 12.88

11.82%

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

$7,848 GHS 91.7K

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

$9,763 GHS 114.0K

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

$30.27 GHS 354

$41.21 GHS 481

-26.55%

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

$12.18 GHS 142

$13.12 GHS 153

-7.16%

Internet (50+ Mbps, Unlimited Data)

$63.4 GHS 740

$38.15 GHS 446

66.16%

Gym Membership (Monthly)

$19.37 GHS 226

$28.31 GHS 331

-31.58%

Cinema Ticket

$9.49 GHS 111

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

$83.9 GHS 980

$72.2 GHS 843

16.21%

International Primary School, 1 Child (Yearly)

$5,498 GHS 64.2K

Jeans (Levis 501 Or Similar)

$24.15 GHS 282

$14.42 GHS 168

67.48%

Summer Dress (H&M, Zara, etc)

$25.06 GHS 293

$19.03 GHS 222

31.69%

Sport Shoes (Adidas, Nike)

$45.15 GHS 527

$28.90 GHS 338

56.23%

Men's Leather Business Shoes

$62.5 GHS 730

$40.66 GHS 475

53.69%

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

$308 GHS 3,592

30.32%

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 Kumasi: July 26, 2026

Cost Breakdown

Salaries run about 30% 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 – $181 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: $629 in Tema, $441 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 $943 per month in Tema and $662 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 $629 in Tema and $441 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.