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

Monthly Cost of Living

A single person spends $626 per month in Tema vs $440 in Kumasi, rent included.

A couple spends around $1,005 per month in Tema vs $721 in Kumasi, rent included.

A family of three spends $1,384 per month in Tema vs $1,003 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

$7.24 GHS 81.1

$2.79 GHS 31.24

159.50%

Three-Course Dinner for Two, Mid-Range

$27.52 GHS 308

$32.18 GHS 360

-14.48%

Fast Food Meal (McDonalds, etc)

$8.09 GHS 90.5

$7.85 GHS 87.8

3.06%

Cappuccino

$1.50 GHS 16.81

$0.87 GHS 9.74

72.41%

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

$0.99 GHS 11.10

$0.60 GHS 6.76

65.00%

Water (0.33 liter bottle)

$0.33 GHS 3.70

$0.23 GHS 2.58

43.48%

Local Beer (0.5 liter draught)

$1.74 GHS 19.49

$0.83 GHS 9.27

109.64%

Imported Beer (0.33 liter bottle)

$2.67 GHS 29.84

$1.54 GHS 17.26

73.38%

Milk (1 liter)

$3.07 GHS 34.33

$1.79 GHS 20.08

71.51%

White Bread (500g)

$1.62 GHS 18.09

$1.44 GHS 16.13

12.50%

Rice (white) (1kg)

$1.49 GHS 16.69

$1.63 GHS 18.23

-8.59%

Eggs

$2.15 GHS 24.06

$2.19 GHS 24.46

-1.83%

Local Cheese (1kg)

$3.71 GHS 41.48

$5.75 GHS 64.3

-35.48%

Chicken Fillets (1kg)

$2.72 GHS 30.49

$4.40 GHS 49.19

-38.18%

Beef Round Steak (1kg)

$2.50 GHS 27.94

$4.91 GHS 55.0

-49.08%

Apples (1kg)

$2.81 GHS 31.44

$1.67 GHS 18.72

68.26%

Banana (1kg)

$2.06 GHS 23.09

$0.81 GHS 9.03

154.32%

Oranges (1kg)

$2.09 GHS 23.43

$0.78 GHS 8.72

167.95%

Tomato (1kg)

$2.80 GHS 31.37

$1.89 GHS 21.16

48.15%

Potato (1kg)

$1.90 GHS 21.29

$1.68 GHS 18.82

13.10%

Onion (1kg)

$1.92 GHS 21.44

$1.13 GHS 12.62

69.91%

Lettuce (1 head)

$0.64 GHS 7.11

$0.74 GHS 8.32

-13.51%

Water (1.5 liter bottle)

$0.82 GHS 9.17

$0.48 GHS 5.35

70.83%

Cigarettes 20 Pack (Marlboro, Camel)

$0.85 GHS 9.52

Wine (Bottle)

$8.54 GHS 95.5

$1.25 GHS 14.03

583.20%

Local Beer (0.5 liter bottle)

$0.84 GHS 9.42

$1.11 GHS 12.39

-24.32%

Imported Beer (0.33 liter bottle)

$1.89 GHS 21.19

One-way Ticket (Public Transport)

$2.02 GHS 22.63

$0.39 GHS 4.32

417.95%

Public Transport Monthly Pass (Regular Price)

$38.63 GHS 432

$20.12 GHS 225

92.00%

Taxi Start (Normal Tariff)

$1.35 GHS 15.13

$0.80 GHS 8.99

68.75%

Taxi (Normal Tariff) (1km)

$0.77 GHS 8.57

$1.22 GHS 13.61

-36.89%

Taxi 1hour Waiting (Normal Tariff)

$1.69 GHS 18.90

Gasoline (1 liter)

$1.25 GHS 13.94

$1.10 GHS 12.27

13.64%

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

$8,058 GHS 90.2K

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

$9,490 GHS 106.2K

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

$30.51 GHS 341

$40.42 GHS 452

-24.52%

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

$12.08 GHS 135

$13.03 GHS 146

-7.29%

Internet (50+ Mbps, Unlimited Data)

$64.9 GHS 727

$38.10 GHS 426

70.42%

Gym Membership (Monthly)

$19.31 GHS 216

$28.57 GHS 320

-32.41%

Cinema Ticket

$9.50 GHS 106

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

$82.6 GHS 925

$72.1 GHS 807

14.63%

International Primary School, 1 Child (Yearly)

$5,431 GHS 60.8K

Jeans (Levis 501 Or Similar)

$25.03 GHS 280

$14.38 GHS 161

74.06%

Summer Dress (H&M, Zara, etc)

$24.84 GHS 278

$18.52 GHS 207

34.13%

Sport Shoes (Adidas, Nike)

$44.69 GHS 500

$28.81 GHS 322

55.12%

Men's Leather Business Shoes

$61.5 GHS 689

$41.09 GHS 460

49.74%

1-bedroom Apartment, City Center (Monthly)

$119 GHS 1,327

1-bedroom Apartment, Outside City Center (Monthly)

$66.7 GHS 746

3-bedroom Apartment, Outside City Center (Monthly)

$135 GHS 1,514

Buy Apartment in City Center (m2)

$10.2K GHS 113.7K

Buy Apartment Outside City Center (m2)

$6,068 GHS 67.9K

Average Monthly Net Salary (After Tax)

$463 GHS 5,186

$314 GHS 3,518

47.42%

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: April 26, 2026

Last update for Kumasi: April 27, 2026

Cost Breakdown

Salaries run about 47% 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 – $186 in Tema vs $155 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: $626 in Tema, $440 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 $939 per month in Tema and $659 in Kumasi. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Groceries cost about 20% 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 $626 in Tema and $440 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.