Last update: Nov 2026

Cost of Living Comparison Between Tema and Takoradi

For one person, living is cheaper in Takoradi: $577 a month against $749 in Tema, rent and utilities included – about $2,100 less a year. Other living expenses account for most of the difference.

36

Cost of Living Index in Tema
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Tema Living Index
28

Cost of Living Index in Takoradi
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Takoradi Living Index

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Tema

🇬🇭 Ghana

$749

/mo nomad

Takoradi

🇬🇭 Ghana

$577

/mo nomad

Monthly Cost of Living

How much you'll spend in Tema and in Takoradi

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Tema and in Takoradi actually costs, broken down by who's living it.

Monthly costs for one person with rent: $749 in Tema versus $577 in Takoradi.

Tema $749
Takoradi $577

Estimated couple costs with rent: $1,189 in Tema versus $970 in Takoradi.

Tema $1,189
Takoradi $970

Monthly costs for a family of three with rent: $1,628 in Tema versus $1,363 in Takoradi.

Tema $1,628
Takoradi $1,363

Living in Tema is roughly 30% more expensive than in Takoradi, and outside of rent the biggest gap is in transport.

Both cities sit below the global median: Tema 45% lower, Takoradi 57% lower.

Meal at Budget Restaurant

$7.08 GHS 82.3

$8.39 GHS 97.6

-15.61%

Three-Course Dinner for Two, Mid-Range

$27.92 GHS 325

$50.8 GHS 591

-45.04%

Fast Food Meal (McDonalds, etc)

$10.15 GHS 118

Cappuccino

$5.10 GHS 59.4

$4.34 GHS 50.5

17.51%

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

$0.85 GHS 9.84

$1.61 GHS 18.77

-47.20%

Water (0.33 liter bottle)

$0.28 GHS 3.23

$0.48 GHS 5.59

-41.67%

Local Beer (0.5 liter draught)

$3.26 GHS 37.94

$1.85 GHS 21.49

76.22%

Imported Beer (0.33 liter bottle)

$2.55 GHS 29.64

$2.26 GHS 26.26

12.83%

Milk (1 liter)

$3.31 GHS 38.46

$1.41 GHS 16.43

134.75%

White Bread (500g)

$1.60 GHS 18.61

$1.05 GHS 12.19

52.38%

Rice (white) (1kg)

$2.06 GHS 23.96

$1.67 GHS 19.41

23.35%

Eggs

$2.39 GHS 27.77

$2.73 GHS 31.72

-12.45%

Local Cheese (1kg)

$4.23 GHS 49.21

$12.24 GHS 142

-65.44%

Chicken Fillets (1kg)

$3.31 GHS 38.47

$4.81 GHS 56.0

-31.19%

Beef Round Steak (1kg)

$3.52 GHS 40.99

$2.65 GHS 30.88

32.83%

Apples (1kg)

$2.51 GHS 29.15

$2.44 GHS 28.34

2.87%

Banana (1kg)

$2.09 GHS 24.26

$0.85 GHS 9.86

145.88%

Oranges (1kg)

$2.13 GHS 24.78

$1.10 GHS 12.84

93.64%

Tomato (1kg)

$3.52 GHS 40.93

$1.77 GHS 20.55

98.87%

Potato (1kg)

$3.50 GHS 40.75

$2.30 GHS 26.77

52.17%

Onion (1kg)

$2.83 GHS 32.94

$1.89 GHS 22.01

49.74%

Lettuce (1 head)

$0.45 GHS 5.18

$0.70 GHS 8.14

-35.71%

Water (1.5 liter bottle)

$0.72 GHS 8.42

$0.27 GHS 3.14

166.67%

Cigarettes 20 Pack (Marlboro, Camel)

$1.33 GHS 15.44

$2.55 GHS 29.61

-47.84%

Wine (Bottle)

$8.82 GHS 103

$7.34 GHS 85.3

20.16%

Local Beer (0.5 liter bottle)

$2.19 GHS 25.47

$0.29 GHS 3.35

655.17%

Imported Beer (0.33 liter bottle)

$3.02 GHS 35.15

$2.40 GHS 27.85

25.83%

One-way Ticket (Public Transport)

$1.69 GHS 19.63

Public Transport Monthly Pass (Regular Price)

$41.39 GHS 481

Taxi Start (Normal Tariff)

$2.10 GHS 24.46

$1.69 GHS 19.70

24.26%

Taxi (Normal Tariff) (1km)

$0.42 GHS 4.85

$1.30 GHS 15.17

-67.69%

Taxi 1hour Waiting (Normal Tariff)

$4.26 GHS 49.52

Gasoline (1 liter)

$1.14 GHS 13.29

$1.30 GHS 15.09

-12.31%

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

$7,900 GHS 91.9K

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

$20.3K GHS 235.5K

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

$77.0 GHS 896

$73.3 GHS 853

5.06%

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

$15.32 GHS 178

$19.70 GHS 229

-22.23%

Internet (50+ Mbps, Unlimited Data)

$82.5 GHS 959

$43.39 GHS 505

90.14%

Gym Membership (Monthly)

$23.21 GHS 270

Cinema Ticket

$8.70 GHS 101

$13.02 GHS 151

-33.18%

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

$175 GHS 2,032

$470 GHS 5,464

-62.81%

International Primary School, 1 Child (Yearly)

$2,581 GHS 30.0K

$18.5K GHS 215.7K

-86.08%

Jeans (Levis 501 Or Similar)

$12.74 GHS 148

$14.58 GHS 170

-12.62%

Summer Dress (H&M, Zara, etc)

$15.78 GHS 184

$18.99 GHS 221

-16.90%

Sport Shoes (Adidas, Nike)

$42.50 GHS 494

$36.77 GHS 428

15.58%

Men's Leather Business Shoes

$32.16 GHS 374

$52.8 GHS 614

-39.07%

1-bedroom Apartment, City Center (Monthly)

$131 GHS 1,521

1-bedroom Apartment, Outside City Center (Monthly)

$72.3 GHS 841

3-bedroom Apartment, City Center (Monthly)

$433 GHS 5,040

3-bedroom Apartment, Outside City Center (Monthly)

$210 GHS 2,437

Buy Apartment in City Center (m2)

$9,854 GHS 114.6K

Buy Apartment Outside City Center (m2)

$6,061 GHS 70.5K

Average Monthly Net Salary (After Tax)

$423 GHS 4,914

20-Year Fixed Mortgage Interest Rate (Annual %)

26.75

30.84%

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

Last update for Tema: November 1, 2026

Last update for Takoradi: November 3, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Groceries & Markets

Tema

$219 29.2%

Takoradi

$179 31.1% 18.3% $40

Monthly Utilities & Internet

Tema

$175 23.3%

Takoradi

$136 23.6% 22% $38

Eating Out

Tema

$144 * 19.2%

Takoradi

$172 29.8% 19.5% $28

Accommodation & Living

Tema

$72 9.7%

Takoradi

- * 0% 100%

Getting Around

Tema

$52 7%

Takoradi

$8.2 * 1.4% 84.3% $44

Clothing & Footwear

Tema

$46 6.2%

Takoradi

$55 9.6% 19.3% $9

Sport & Entertainment

Tema

$41 5.4%

Takoradi

$26 * 4.5% 35.9% $15

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Dining out: $28 in Tema vs $51 in Takoradi. Groceries flip the comparison at $219 vs $179, with Takoradi cheaper for home cooking.

Good to know

🇬🇭 Tema

🇬🇭 Takoradi

🕒 Local time

05:06 5:06 AM

Same time as Tema

🌤 Weather

👥 Population

160,000

539,548

💱 Currency

Ghanaian Cedi GHS ₵

📈 Exchange rate

100 GHS = 8.6 USD

100 GHS = 7.66 EUR

100 GHS = 8.6 USD

100 GHS = 7.66 EUR

Exchange rates and currency converter

On the map

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Highest

Between locations

Tema Takoradi 210 km

From you

Tema
Takoradi

Distances are measured in a straight line. Your location is detected approximately.

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 about 23% cheaper overall, especially in transport, groceries, and utilities. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $1,124 in Tema and $865 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 $175 in Tema versus $470 in Takoradi. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Tema – a meal for two runs $28 versus $51 in Takoradi. 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.