Cost of Living Comparison Between Tema and Takoradi Cost of Living Comparison Between Tema and Takoradi

Monthly Cost of Living

Monthly costs for one person with rent: $626 in Tema versus $476 in Takoradi.

Estimated couple costs with rent: $1,005 in Tema versus $828 in Takoradi.

Monthly costs for a family of three with rent: $1,384 in Tema versus $1,180 in Takoradi.

Living in Tema is roughly 32% more expensive than Takoradi, driven mainly by Getting Around.

Both cities sit below the global median: Tema 53% lower, Takoradi 64% lower.

Meal at Budget Restaurant

$7.24 GHS 80.8

$4.30 GHS 48.03

68.37%

Three-Course Dinner for Two, Mid-Range

$27.52 GHS 307

$47.46 GHS 530

-42.01%

Fast Food Meal (McDonalds, etc)

$8.09 GHS 90.3

$7.95 GHS 88.7

1.76%

Cappuccino

$1.50 GHS 16.76

$3.62 GHS 40.36

-58.56%

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

$0.99 GHS 11.07

$0.93 GHS 10.39

6.45%

Water (0.33 liter bottle)

$0.33 GHS 3.69

$0.37 GHS 4.16

-10.81%

Local Beer (0.5 liter draught)

$1.74 GHS 19.44

$1.51 GHS 16.90

15.23%

Imported Beer (0.33 liter bottle)

$2.67 GHS 29.76

$2.46 GHS 27.46

8.54%

Milk (1 liter)

$3.07 GHS 34.23

$1.62 GHS 18.12

89.51%

White Bread (500g)

$1.62 GHS 18.04

$1.19 GHS 13.24

36.13%

Rice (white) (1kg)

$1.49 GHS 16.64

$1.98 GHS 22.15

-24.75%

Eggs

$2.15 GHS 24.00

$2.27 GHS 25.31

-5.29%

Local Cheese (1kg)

$3.71 GHS 41.37

$11.08 GHS 124

-66.52%

Chicken Fillets (1kg)

$2.72 GHS 30.41

$4.72 GHS 52.7

-42.37%

Beef Round Steak (1kg)

$2.50 GHS 27.87

$2.96 GHS 32.98

-15.54%

Apples (1kg)

$2.81 GHS 31.36

$2.65 GHS 29.60

6.04%

Banana (1kg)

$2.06 GHS 23.02

$1.00 GHS 11.12

106.00%

Oranges (1kg)

$2.09 GHS 23.37

$1.19 GHS 13.33

75.63%

Tomato (1kg)

$2.80 GHS 31.29

$2.00 GHS 22.29

40.00%

Potato (1kg)

$1.90 GHS 21.24

$2.49 GHS 27.78

-23.69%

Onion (1kg)

$1.92 GHS 21.39

$2.21 GHS 24.71

-13.12%

Lettuce (1 head)

$0.64 GHS 7.09

$0.75 GHS 8.36

-14.67%

Water (1.5 liter bottle)

$0.82 GHS 9.15

$0.28 GHS 3.12

192.86%

Cigarettes 20 Pack (Marlboro, Camel)

$1.58 GHS 17.64

Wine (Bottle)

$8.54 GHS 95.3

$6.32 GHS 70.5

35.13%

Local Beer (0.5 liter bottle)

$0.84 GHS 9.39

$0.36 GHS 3.97

133.33%

Imported Beer (0.33 liter bottle)

$1.95 GHS 21.76

One-way Ticket (Public Transport)

$2.02 GHS 22.57

Public Transport Monthly Pass (Regular Price)

$38.63 GHS 431

Taxi Start (Normal Tariff)

$1.35 GHS 15.09

$1.56 GHS 17.45

-13.46%

Taxi (Normal Tariff) (1km)

$0.77 GHS 8.55

$1.22 GHS 13.64

-36.89%

Taxi 1hour Waiting (Normal Tariff)

$5.42 GHS 60.5

Gasoline (1 liter)

$1.25 GHS 13.91

$1.13 GHS 12.58

10.62%

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

$8,026 GHS 89.6K

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

$9,606 GHS 107.2K

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

$30.51 GHS 341

$54.6 GHS 610

-44.15%

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

$12.08 GHS 135

$13.25 GHS 148

-8.83%

Internet (50+ Mbps, Unlimited Data)

$64.9 GHS 725

$38.31 GHS 428

69.49%

Gym Membership (Monthly)

$19.31 GHS 215

Cinema Ticket

$9.66 GHS 108

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

$82.6 GHS 922

$71.8 GHS 801

15.18%

International Primary School, 1 Child (Yearly)

$8,055 GHS 89.9K

Jeans (Levis 501 Or Similar)

$25.03 GHS 279

$14.69 GHS 164

70.39%

Summer Dress (H&M, Zara, etc)

$24.84 GHS 277

$18.70 GHS 209

32.83%

Sport Shoes (Adidas, Nike)

$44.69 GHS 499

$29.08 GHS 325

53.68%

Men's Leather Business Shoes

$61.5 GHS 687

$42.10 GHS 470

46.15%

1-bedroom Apartment, City Center (Monthly)

$119 GHS 1,324

1-bedroom Apartment, Outside City Center (Monthly)

$66.7 GHS 744

3-bedroom Apartment, Outside City Center (Monthly)

$135 GHS 1,510

Buy Apartment in City Center (m2)

$10.2K GHS 113.4K

Buy Apartment Outside City Center (m2)

$6,068 GHS 67.7K

Average Monthly Net Salary (After Tax)

$463 GHS 5,172

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 Takoradi: April 27, 2026

Cost Breakdown

Dining out: $28.00 in Tema vs $47.00 in Takoradi. Groceries flip the comparison at $186 vs $181, with Takoradi cheaper for home cooking.

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 Takoradi: Cost of Living - Frequently Asked Questions

Takoradi is cheaper overall, especially in Groceries & Markets, Eating Out, Monthly Utilities & Internet, Clothing & Footwear, Getting Around. The 32% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $939 in Tema and $714 in Takoradi to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Childcare runs $82.6 in Tema versus $71.8 in Takoradi. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Takoradi – a meal for two runs $47.00 versus $28.00 in Tema. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $1,000 a month, though Takoradi gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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.

Expats usually find Takoradi gentler on the wallet – expenses run 32% less than in Tema. Beyond cost, consider language, visa policies, and how big the international community is in each city.