Cost of Living Comparison Between Tema and Lisbon Cost of Living Comparison Between Tema and Lisbon

Monthly Cost of Living

Monthly costs for one person with rent: $611 in Tema versus $2,210 in Lisbon.

Estimated couple costs with rent: $989 in Tema versus $3,311 in Lisbon.

Monthly costs for a family of three with rent: $1,367 in Tema versus $4,411 in Lisbon.

Living in Tema costs roughly 72% less than in Lisbon, driven mainly by Eating Out.

The two cities straddle the global median: Tema is 54% below, Lisbon is 65% above.

Meal at Budget Restaurant

$7.50 GHS 88.0

$15.91 €13.69

-52.86%

Three-Course Dinner for Two, Mid-Range

$27.73 GHS 326

$64.8 €55.7

-57.19%

Fast Food Meal (McDonalds, etc)

$8.18 GHS 96.0

$10.51 €9.04

-22.17%

Cappuccino

$1.46 GHS 17.14

$2.87 €2.47

-49.13%

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

$1.00 GHS 11.78

$2.24 €1.93

-55.36%

Water (0.33 liter bottle)

$0.33 GHS 3.93

$1.50 €1.29

-78.00%

Local Beer (0.5 liter draught)

$1.74 GHS 20.38

$3.49 €3.00

-50.14%

Imported Beer (0.33 liter bottle)

$2.69 GHS 31.63

$3.88 €3.34

-30.67%

Milk (1 liter)

$2.98 GHS 34.94

$1.14 €0.98

161.40%

White Bread (500g)

$1.68 GHS 19.69

$1.75 €1.51

-4.00%

Rice (white) (1kg)

$1.55 GHS 18.22

$1.76 €1.51

-11.93%

Eggs

$2.18 GHS 25.64

$3.22 €2.77

-32.30%

Local Cheese (1kg)

$3.72 GHS 43.73

$13.49 €11.61

-72.42%

Chicken Fillets (1kg)

$2.73 GHS 32.08

$7.91 €6.81

-65.49%

Beef Round Steak (1kg)

$2.44 GHS 28.63

$15.87 €13.65

-84.63%

Apples (1kg)

$2.71 GHS 31.76

$2.31 €1.99

17.32%

Banana (1kg)

$2.08 GHS 24.38

$1.70 €1.46

22.35%

Oranges (1kg)

$2.07 GHS 24.27

$2.01 €1.73

2.99%

Tomato (1kg)

$2.89 GHS 33.97

$2.46 €2.12

17.48%

Potato (1kg)

$1.84 GHS 21.60

$1.84 €1.59

Onion (1kg)

$1.97 GHS 23.15

$2.00 €1.72

-1.50%

Lettuce (1 head)

$0.61 GHS 7.16

$1.93 €1.66

-68.39%

Water (1.5 liter bottle)

$0.82 GHS 9.63

$0.79 €0.68

3.80%

Cigarettes 20 Pack (Marlboro, Camel)

$6.61 €5.68

Wine (Bottle)

$7.21 GHS 84.7

$5.72 €4.92

26.05%

Local Beer (0.5 liter bottle)

$0.82 GHS 9.66

$1.37 €1.17

-40.15%

Imported Beer (0.33 liter bottle)

$2.97 €2.56

One-way Ticket (Public Transport)

$2.03 GHS 23.87

$2.37 €2.04

-14.35%

Public Transport Monthly Pass (Regular Price)

$39.80 GHS 467

$45.56 €39.19

-12.64%

Taxi Start (Normal Tariff)

$1.42 GHS 16.64

$4.29 €3.69

-66.90%

Taxi (Normal Tariff) (1km)

$0.77 GHS 9.00

$0.82 €0.70

-6.10%

Taxi 1hour Waiting (Normal Tariff)

$18.30 €15.74

Gasoline (1 liter)

$1.19 GHS 13.98

$2.06 €1.78

-42.23%

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

$34.3K €29.5K

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

$39.3K €33.8K

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

$30.84 GHS 362

$148 €127

-79.14%

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

$12.26 GHS 144

$20.52 €17.65

-40.25%

Internet (50+ Mbps, Unlimited Data)

$64.6 GHS 759

$39.61 €34.08

63.12%

Gym Membership (Monthly)

$19.37 GHS 227

$47.85 €41.16

-59.52%

Tennis Court (1 Hour on Weekend)

$18.92 €16.28

Cinema Ticket

$9.18 €7.90

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

$82.4 GHS 967

$614 €528

-86.59%

International Primary School, 1 Child (Yearly)

$16.0K €13.8K

Jeans (Levis 501 Or Similar)

$25.07 GHS 294

$105 €90.0

-76.05%

Summer Dress (H&M, Zara, etc)

$24.67 GHS 290

$42.06 €36.18

-41.35%

Sport Shoes (Adidas, Nike)

$45.82 GHS 538

$94.0 €80.8

-51.23%

Men's Leather Business Shoes

$60.6 GHS 712

$120 €103

-49.34%

1-bedroom Apartment, City Center (Monthly)

$117 GHS 1,371

$1,628 €1,400

-92.83%

1-bedroom Apartment, Outside City Center (Monthly)

$66.6 GHS 782

$1,255 €1,080

-94.69%

3-bedroom Apartment, City Center (Monthly)

$3,030 €2,607

3-bedroom Apartment, Outside City Center (Monthly)

$139 GHS 1,629

$2,020 €1,738

-93.13%

Buy Apartment in City Center (m2)

$10.0K GHS 117.6K

$7,800 €6,709

28.41%

Buy Apartment Outside City Center (m2)

$6,030 GHS 70.8K

$4,273 €3,675

41.13%

Average Monthly Net Salary (After Tax)

$390 GHS 4,576

$1,603 €1,379

-75.69%

20-Year Fixed Mortgage Interest Rate (Annual %)

32.5

3.81

753.02%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Tema: May 31, 2026

Last update for Lisbon: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $117 in Tema and $1,628 in Lisbon. Housing cost is often the main lever when comparing two cities.

Lisbon pays 311% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $28.00 in Tema vs $65.0 in Lisbon for a mid-range dinner for two. Groceries echo the gap at $183 vs $269 per month, with Tema cheaper across the board.

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 Lisbon: Cost of Living - Frequently Asked Questions

Tema and Lisbon differ by about 262% in total monthly costs ($611 vs $2,210 including rent). Tema is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Lisbon earns 311% less. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $117 in Tema versus $1,628 in Lisbon. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $82.4 in Tema versus $614 in Lisbon. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 48% higher in Lisbon. For households that cook at home regularly, that difference adds up over a month.

At $611 in Tema versus $2,210 in Lisbon, a $1,000 budget is realistic in Tema but tight or insufficient in Lisbon. The gap between the two cities makes Tema the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Tema and Lisbon are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Tema gentler on the wallet – expenses run 262% less than in Lisbon. Beyond cost, consider language, visa policies, and how big the international community is in each city.