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: $629 in Tema versus $472 in Takoradi.

Estimated couple costs with rent: $1,006 in Tema versus $827 in Takoradi.

Monthly costs for a family of three with rent: $1,383 in Tema versus $1,182 in Takoradi.

Living in Tema is roughly 33% more expensive than in Takoradi, driven mainly by Getting Around.

Both cities sit below the global median: Tema 53% lower, Takoradi 65% lower.

Meal at Budget Restaurant

$7.58 GHS 88.5

$4.44 GHS 51.9

70.72%

Three-Course Dinner for Two, Mid-Range

$28.14 GHS 329

$47.46 GHS 554

-40.71%

Fast Food Meal (McDonalds, etc)

$7.83 GHS 91.5

$7.99 GHS 93.4

-2.00%

Cappuccino

$1.49 GHS 17.45

$3.44 GHS 40.14

-56.69%

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

$1.01 GHS 11.76

$0.95 GHS 11.06

6.32%

Water (0.33 liter bottle)

$0.33 GHS 3.88

$0.35 GHS 4.09

-5.71%

Local Beer (0.5 liter draught)

$1.75 GHS 20.41

$1.50 GHS 17.52

16.67%

Imported Beer (0.33 liter bottle)

$2.66 GHS 31.06

$2.52 GHS 29.47

5.56%

Milk (1 liter)

$2.94 GHS 34.39

$1.54 GHS 17.97

90.91%

White Bread (500g)

$1.68 GHS 19.58

$1.14 GHS 13.26

47.37%

Rice (white) (1kg)

$1.57 GHS 18.29

$1.90 GHS 22.16

-17.37%

Eggs

$2.18 GHS 25.42

$2.36 GHS 27.56

-7.63%

Local Cheese (1kg)

$3.79 GHS 44.22

$10.99 GHS 128

-65.51%

Chicken Fillets (1kg)

$2.72 GHS 31.76

$4.69 GHS 54.8

-42.00%

Beef Round Steak (1kg)

$2.48 GHS 28.92

$3.04 GHS 35.53

-18.42%

Apples (1kg)

$2.73 GHS 31.88

Banana (1kg)

$1.99 GHS 23.27

$1.00 GHS 11.70

99.00%

Oranges (1kg)

$2.02 GHS 23.61

$1.19 GHS 13.87

69.75%

Tomato (1kg)

$2.80 GHS 32.66

$2.01 GHS 23.45

39.30%

Potato (1kg)

$1.90 GHS 22.20

$2.49 GHS 29.12

-23.69%

Onion (1kg)

$1.90 GHS 22.19

$2.15 GHS 25.11

-11.63%

Lettuce (1 head)

$0.63 GHS 7.40

$0.80 GHS 9.39

-21.25%

Water (1.5 liter bottle)

$0.83 GHS 9.69

$0.30 GHS 3.55

176.67%

Cigarettes 20 Pack (Marlboro, Camel)

$1.57 GHS 18.34

Wine (Bottle)

$7.05 GHS 82.3

$7.09 GHS 82.8

-0.56%

Local Beer (0.5 liter bottle)

$0.83 GHS 9.66

$0.33 GHS 3.85

151.52%

Imported Beer (0.33 liter bottle)

$1.94 GHS 22.67

One-way Ticket (Public Transport)

$2.08 GHS 24.25

Public Transport Monthly Pass (Regular Price)

$38.71 GHS 452

Taxi Start (Normal Tariff)

$1.36 GHS 15.87

$1.62 GHS 18.96

-16.05%

Taxi (Normal Tariff) (1km)

$0.72 GHS 8.45

$1.18 GHS 13.77

-38.98%

Taxi 1hour Waiting (Normal Tariff)

$5.46 GHS 63.8

Gasoline (1 liter)

$1.23 GHS 14.35

$1.07 GHS 12.54

14.95%

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

$7,871 GHS 91.9K

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

$9,698 GHS 113.3K

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

$30.27 GHS 354

$56.1 GHS 656

-46.08%

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

$12.18 GHS 142

$13.31 GHS 155

-8.49%

Internet (50+ Mbps, Unlimited Data)

$63.4 GHS 740

$38.17 GHS 446

66.07%

Gym Membership (Monthly)

$19.37 GHS 226

Cinema Ticket

$9.93 GHS 116

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

$83.9 GHS 980

$72.3 GHS 844

16.08%

International Primary School, 1 Child (Yearly)

$8,207 GHS 95.9K

Jeans (Levis 501 Or Similar)

$24.15 GHS 282

$14.66 GHS 171

64.73%

Summer Dress (H&M, Zara, etc)

$25.06 GHS 293

$18.96 GHS 221

32.17%

Sport Shoes (Adidas, Nike)

$45.15 GHS 527

$29.19 GHS 341

54.68%

Men's Leather Business Shoes

$62.5 GHS 730

$40.96 GHS 478

52.56%

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

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 Takoradi: July 26, 2026

Cost Breakdown

Dining out: $28.00 in Tema vs $47.00 in Takoradi for a mid-range dinner for two. Groceries echo the gap at $181 vs $182 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 Takoradi: Cost of Living - Frequently Asked Questions

Takoradi is cheaper overall, especially in Eating Out, Monthly Utilities & Internet, Clothing & Footwear, Getting Around. The 33% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $943 in Tema and $709 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 $83.9 in Tema versus $72.3 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 33% less than in Tema. Beyond cost, consider language, visa policies, and how big the international community is in each city.