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: $608 in Tema versus $473 in Takoradi.

Estimated couple costs with rent: $984 in Tema versus $824 in Takoradi.

Monthly costs for a family of three with rent: $1,360 in Tema versus $1,175 in Takoradi.

Living in Tema is roughly 29% more expensive than Takoradi, driven mainly by Getting Around.

Both cities sit below the global median: Tema 55% lower, Takoradi 65% lower.

Meal at Budget Restaurant

$7.23 GHS 79.5

$4.24 GHS 46.69

70.52%

Three-Course Dinner for Two, Mid-Range

$27.52 GHS 303

$47.79 GHS 526

-42.41%

Fast Food Meal (McDonalds, etc)

$7.79 GHS 85.7

$7.84 GHS 86.2

-0.64%

Cappuccino

$1.52 GHS 16.70

$3.60 GHS 39.62

-57.78%

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

$1.03 GHS 11.37

$0.91 GHS 10.06

13.19%

Water (0.33 liter bottle)

$0.31 GHS 3.40

$0.37 GHS 4.07

-16.22%

Local Beer (0.5 liter draught)

$1.71 GHS 18.85

$1.50 GHS 16.50

14.00%

Imported Beer (0.33 liter bottle)

$2.67 GHS 29.35

$2.53 GHS 27.78

5.53%

Milk (1 liter)

$3.05 GHS 33.53

$1.62 GHS 17.78

88.27%

White Bread (500g)

$1.65 GHS 18.14

$1.15 GHS 12.65

43.48%

Rice (white) (1kg)

$1.50 GHS 16.45

$1.93 GHS 21.26

-22.28%

Eggs

$2.17 GHS 23.89

$2.30 GHS 25.33

-5.65%

Local Cheese (1kg)

$3.60 GHS 39.57

$11.18 GHS 123

-67.80%

Chicken Fillets (1kg)

$2.64 GHS 29.03

$4.54 GHS 49.95

-41.85%

Beef Round Steak (1kg)

$2.44 GHS 26.89

$2.94 GHS 32.37

-17.01%

Apples (1kg)

$2.79 GHS 30.65

$2.65 GHS 29.17

5.28%

Banana (1kg)

$1.99 GHS 21.89

$0.93 GHS 10.27

113.98%

Oranges (1kg)

$2.07 GHS 22.81

$1.20 GHS 13.15

72.50%

Tomato (1kg)

$2.94 GHS 32.39

$1.99 GHS 21.85

47.74%

Potato (1kg)

$1.80 GHS 19.83

$2.60 GHS 28.61

-30.77%

Onion (1kg)

$1.98 GHS 21.81

$2.14 GHS 23.58

-7.48%

Lettuce (1 head)

$0.60 GHS 6.63

$0.80 GHS 8.76

-25.00%

Water (1.5 liter bottle)

$0.83 GHS 9.12

$0.30 GHS 3.33

176.67%

Cigarettes 20 Pack (Marlboro, Camel)

$1.59 GHS 17.47

Wine (Bottle)

$6.88 GHS 75.7

$7.20 GHS 79.2

-4.44%

Local Beer (0.5 liter bottle)

$0.87 GHS 9.58

$0.36 GHS 3.91

141.67%

Imported Beer (0.33 liter bottle)

$1.94 GHS 21.33

One-way Ticket (Public Transport)

$2.00 GHS 22.05

Public Transport Monthly Pass (Regular Price)

$39.98 GHS 440

Taxi Start (Normal Tariff)

$1.42 GHS 15.57

$1.56 GHS 17.19

-8.97%

Taxi (Normal Tariff) (1km)

$0.72 GHS 7.92

$1.18 GHS 12.93

-38.98%

Taxi 1hour Waiting (Normal Tariff)

$5.50 GHS 60.5

Gasoline (1 liter)

$1.22 GHS 13.46

$1.09 GHS 11.94

11.93%

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

$8,139 GHS 89.5K

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

$9,560 GHS 105.2K

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

$30.56 GHS 336

$56.6 GHS 623

-46.00%

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

$12.40 GHS 136

$13.42 GHS 148

-7.60%

Internet (50+ Mbps, Unlimited Data)

$63.9 GHS 703

$37.13 GHS 408

72.15%

Gym Membership (Monthly)

$19.29 GHS 212

Cinema Ticket

$9.78 GHS 108

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

$83.0 GHS 913

$71.9 GHS 790

15.46%

International Primary School, 1 Child (Yearly)

$7,926 GHS 87.2K

Jeans (Levis 501 Or Similar)

$24.85 GHS 273

$14.86 GHS 163

67.23%

Summer Dress (H&M, Zara, etc)

$25.05 GHS 276

$19.18 GHS 211

30.60%

Sport Shoes (Adidas, Nike)

$45.65 GHS 502

$29.65 GHS 326

53.96%

Men's Leather Business Shoes

$62.2 GHS 684

$41.03 GHS 451

51.50%

1-bedroom Apartment, City Center (Monthly)

$117 GHS 1,282

1-bedroom Apartment, Outside City Center (Monthly)

$66.2 GHS 728

3-bedroom Apartment, Outside City Center (Monthly)

$137 GHS 1,506

Buy Apartment in City Center (m2)

$9,866 GHS 108.5K

Buy Apartment Outside City Center (m2)

$5,964 GHS 65.6K

Average Monthly Net Salary (After Tax)

$412 GHS 4,531

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: June 9, 2026

Last update for Takoradi: June 8, 2026

Cost Breakdown

Dining out: $28.00 in Tema vs $48.00 in Takoradi for a mid-range dinner for two. Groceries echo the gap at $182 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 29% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $912 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 $83.0 in Tema versus $71.9 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 $48.00 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 29% less than in Tema. Beyond cost, consider language, visa policies, and how big the international community is in each city.