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: $757 in Tema versus $586 in Takoradi.

Estimated couple costs with rent: $1,192 in Tema versus $971 in Takoradi.

Monthly costs for a family of three with rent: $1,627 in Tema versus $1,356 in Takoradi.

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

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

Meal at Budget Restaurant

$7.16 GHS 82.2

$8.00 GHS 91.9

-10.50%

Three-Course Dinner for Two, Mid-Range

$28.16 GHS 323

$52.2 GHS 599

-46.01%

Fast Food Meal (McDonalds, etc)

$10.54 GHS 121

Cappuccino

$5.35 GHS 61.4

$4.50 GHS 51.6

18.89%

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

$0.86 GHS 9.84

$1.60 GHS 18.39

-46.25%

Water (0.33 liter bottle)

$0.30 GHS 3.49

$0.49 GHS 5.58

-38.78%

Local Beer (0.5 liter draught)

$3.30 GHS 37.92

$1.85 GHS 21.23

78.38%

Imported Beer (0.33 liter bottle)

$2.62 GHS 30.08

$2.30 GHS 26.45

13.91%

Milk (1 liter)

$3.25 GHS 37.28

$1.39 GHS 15.97

133.81%

White Bread (500g)

$1.63 GHS 18.75

$1.02 GHS 11.76

59.80%

Rice (white) (1kg)

$2.10 GHS 24.07

$1.77 GHS 20.31

18.64%

Eggs

$2.28 GHS 26.18

$2.70 GHS 31.02

-15.56%

Local Cheese (1kg)

$4.46 GHS 51.2

$12.08 GHS 139

-63.08%

Chicken Fillets (1kg)

$3.18 GHS 36.53

$4.77 GHS 54.7

-33.33%

Beef Round Steak (1kg)

$3.41 GHS 39.14

$2.63 GHS 30.17

29.66%

Apples (1kg)

$2.64 GHS 30.32

$2.45 GHS 28.16

7.76%

Banana (1kg)

$2.24 GHS 25.76

$0.91 GHS 10.48

146.15%

Oranges (1kg)

$2.19 GHS 25.18

$1.12 GHS 12.81

95.54%

Tomato (1kg)

$3.57 GHS 41.02

$1.72 GHS 19.73

107.56%

Potato (1kg)

$3.56 GHS 40.89

$2.30 GHS 26.46

54.78%

Onion (1kg)

$2.91 GHS 33.44

$2.00 GHS 22.94

45.50%

Lettuce (1 head)

$0.46 GHS 5.26

$0.75 GHS 8.65

-38.67%

Water (1.5 liter bottle)

$0.72 GHS 8.22

$0.27 GHS 3.12

166.67%

Cigarettes 20 Pack (Marlboro, Camel)

$1.28 GHS 14.75

$2.57 GHS 29.49

-50.19%

Wine (Bottle)

$8.84 GHS 101

$7.11 GHS 81.6

24.33%

Local Beer (0.5 liter bottle)

$2.14 GHS 24.52

$0.29 GHS 3.31

637.93%

Imported Beer (0.33 liter bottle)

$2.99 GHS 34.33

$2.44 GHS 28.00

22.54%

One-way Ticket (Public Transport)

$1.75 GHS 20.13

Public Transport Monthly Pass (Regular Price)

$42.05 GHS 483

Taxi Start (Normal Tariff)

$2.19 GHS 25.19

$1.78 GHS 20.46

23.03%

Taxi (Normal Tariff) (1km)

$0.46 GHS 5.26

$1.34 GHS 15.40

-65.67%

Taxi 1hour Waiting (Normal Tariff)

$4.25 GHS 48.81

Gasoline (1 liter)

$1.15 GHS 13.20

$1.32 GHS 15.16

-12.88%

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

$7,890 GHS 90.6K

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

$9,796 GHS 112.5K

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

$77.3 GHS 887

$74.2 GHS 851

4.22%

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

$15.28 GHS 175

$19.25 GHS 221

-20.62%

Internet (50+ Mbps, Unlimited Data)

$84.0 GHS 964

$42.83 GHS 492

96.03%

Gym Membership (Monthly)

$24.06 GHS 276

Cinema Ticket

$8.89 GHS 102

$13.12 GHS 151

-32.24%

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

$177 GHS 2,031

$471 GHS 5,412

-62.47%

International Primary School, 1 Child (Yearly)

$2,608 GHS 29.9K

$18.7K GHS 215.0K

-86.08%

Jeans (Levis 501 Or Similar)

$13.20 GHS 152

$14.69 GHS 169

-10.14%

Summer Dress (H&M, Zara, etc)

$15.86 GHS 182

$18.54 GHS 213

-14.46%

Sport Shoes (Adidas, Nike)

$44.09 GHS 506

$37.40 GHS 429

17.89%

Men's Leather Business Shoes

$32.67 GHS 375

$53.4 GHS 613

-38.82%

1-bedroom Apartment, City Center (Monthly)

$130 GHS 1,493

1-bedroom Apartment, Outside City Center (Monthly)

$72.8 GHS 836

3-bedroom Apartment, City Center (Monthly)

$428 GHS 4,917

3-bedroom Apartment, Outside City Center (Monthly)

$218 GHS 2,501

Buy Apartment in City Center (m2)

$9,958 GHS 114.3K

Buy Apartment Outside City Center (m2)

$5,932 GHS 68.1K

Average Monthly Net Salary (After Tax)

$430 GHS 4,935

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: September 13, 2026

Last update for Takoradi: September 13, 2026

Cost Breakdown

Dining out: $28.00 in Tema vs $52.0 in Takoradi. Groceries flip the comparison at $220 vs $179, 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, Monthly Utilities & Internet, Getting Around, Sport & Entertainment. The 29% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,135 in Tema and $879 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 $177 in Tema versus $471 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 $52.0 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.