Cost of Living Comparison Between Tema and Winneba Cost of Living Comparison Between Tema and Winneba

Monthly Cost of Living

Monthly costs for one person with rent: $608 in Tema versus $526 in Winneba.

Estimated couple costs with rent: $984 in Tema versus $913 in Winneba.

Monthly costs for a family of three with rent: $1,360 in Tema versus $1,299 in Winneba.

Living in Tema is roughly 16% more expensive than Winneba, driven mainly by Groceries & Markets.

Both cities sit below the global median: Tema 55% lower, Winneba 61% lower.

Meal at Budget Restaurant

$7.23 GHS 79.5

$4.32 GHS 47.56

67.36%

Three-Course Dinner for Two, Mid-Range

$27.52 GHS 303

$46.94 GHS 516

-41.37%

Fast Food Meal (McDonalds, etc)

$7.79 GHS 85.7

$7.57 GHS 83.3

2.91%

Cappuccino

$1.52 GHS 16.70

$3.43 GHS 37.73

-55.69%

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

$1.03 GHS 11.37

$0.99 GHS 10.86

4.04%

Water (0.33 liter bottle)

$0.31 GHS 3.40

$0.38 GHS 4.13

-18.42%

Local Beer (0.5 liter draught)

$1.71 GHS 18.85

$1.55 GHS 17.05

10.32%

Imported Beer (0.33 liter bottle)

$2.67 GHS 29.35

$2.55 GHS 28.03

4.71%

Milk (1 liter)

$3.05 GHS 33.53

$3.34 GHS 36.73

-8.68%

White Bread (500g)

$1.65 GHS 18.14

$1.44 GHS 15.88

14.58%

Rice (white) (1kg)

$1.50 GHS 16.45

$2.37 GHS 26.07

-36.71%

Eggs

$2.17 GHS 23.89

$2.29 GHS 25.22

-5.24%

Local Cheese (1kg)

$3.60 GHS 39.57

$11.16 GHS 123

-67.74%

Chicken Fillets (1kg)

$2.64 GHS 29.03

$4.74 GHS 52.2

-44.30%

Beef Round Steak (1kg)

$2.44 GHS 26.89

$6.01 GHS 66.1

-59.40%

Apples (1kg)

$2.79 GHS 30.65

$2.95 GHS 32.40

-5.42%

Banana (1kg)

$1.99 GHS 21.89

$1.43 GHS 15.75

39.16%

Oranges (1kg)

$2.07 GHS 22.81

$1.65 GHS 18.10

25.45%

Tomato (1kg)

$2.94 GHS 32.39

$3.08 GHS 33.84

-4.55%

Potato (1kg)

$1.80 GHS 19.83

$3.01 GHS 33.12

-40.20%

Onion (1kg)

$1.98 GHS 21.81

$2.44 GHS 26.85

-18.85%

Lettuce (1 head)

$0.60 GHS 6.63

$0.76 GHS 8.31

-21.05%

Water (1.5 liter bottle)

$0.83 GHS 9.12

$0.48 GHS 5.24

72.92%

Cigarettes 20 Pack (Marlboro, Camel)

$1.56 GHS 17.21

Wine (Bottle)

$6.88 GHS 75.7

$7.16 GHS 78.8

-3.91%

Local Beer (0.5 liter bottle)

$0.87 GHS 9.58

$1.11 GHS 12.21

-21.62%

Imported Beer (0.33 liter bottle)

$1.87 GHS 20.58

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

$1.60 GHS 17.62

-11.25%

Taxi (Normal Tariff) (1km)

$0.72 GHS 7.92

$1.21 GHS 13.29

-40.50%

Taxi 1hour Waiting (Normal Tariff)

$5.44 GHS 59.8

Gasoline (1 liter)

$1.22 GHS 13.46

$1.07 GHS 11.78

14.02%

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

$7,903 GHS 86.9K

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

$9,629 GHS 105.9K

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

$30.56 GHS 336

$55.5 GHS 610

-44.94%

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

$12.40 GHS 136

$13.07 GHS 144

-5.13%

Internet (50+ Mbps, Unlimited Data)

$63.9 GHS 703

$37.17 GHS 409

71.97%

Gym Membership (Monthly)

$19.29 GHS 212

Cinema Ticket

$9.55 GHS 105

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

$83.0 GHS 913

$72.6 GHS 798

14.32%

International Primary School, 1 Child (Yearly)

$7,958 GHS 87.5K

Jeans (Levis 501 Or Similar)

$24.85 GHS 273

$14.52 GHS 160

71.14%

Summer Dress (H&M, Zara, etc)

$25.05 GHS 276

$18.83 GHS 207

33.03%

Sport Shoes (Adidas, Nike)

$45.65 GHS 502

$28.64 GHS 315

59.39%

Men's Leather Business Shoes

$62.2 GHS 684

$40.59 GHS 446

53.14%

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 Winneba: June 8, 2026

Cost Breakdown

Dining out: $28.00 in Tema vs $47.00 in Winneba for a mid-range dinner for two. Groceries echo the gap at $182 vs $233 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 Winneba: Cost of Living - Frequently Asked Questions

Winneba wins on cost – living expenses run 16% lower than in Tema. Housing and daily spending are where you'll feel the difference most, making Winneba the obvious pick if budget is a priority.

You'd need roughly $912 in Tema and $789 in Winneba 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.

Shoppers in Tema pay roughly 28% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $608 per month in Tema versus $526 in Winneba – a 16% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,000 a month, though Winneba 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 Winneba gentler on the wallet – expenses run 16% less than in Tema. Beyond cost, consider language, visa policies, and how big the international community is in each city.