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: $776 in Tema versus $685 in Winneba.

Estimated couple costs with rent: $1,229 in Tema versus $1,156 in Winneba.

Monthly costs for a family of three with rent: $1,682 in Tema versus $1,627 in Winneba.

Living in Tema is roughly 13% more expensive than in Winneba, driven mainly by Groceries & Markets.

Both cities sit below the global median: Tema 44% lower, Winneba 50% lower.

Meal at Budget Restaurant

$7.06 GHS 80.6

$8.00 GHS 91.3

-11.75%

Three-Course Dinner for Two, Mid-Range

$28.37 GHS 324

$52.4 GHS 599

-45.90%

Fast Food Meal (McDonalds, etc)

$10.81 GHS 123

Cappuccino

$5.36 GHS 61.2

$4.72 GHS 53.9

13.56%

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

$0.91 GHS 10.43

$1.64 GHS 18.71

-44.51%

Water (0.33 liter bottle)

$0.29 GHS 3.28

$0.48 GHS 5.53

-39.58%

Local Beer (0.5 liter draught)

$3.29 GHS 37.60

$1.87 GHS 21.30

75.94%

Imported Beer (0.33 liter bottle)

$2.68 GHS 30.61

$2.33 GHS 26.58

15.02%

Milk (1 liter)

$3.29 GHS 37.53

$3.82 GHS 43.63

-13.87%

White Bread (500g)

$1.62 GHS 18.49

$1.79 GHS 20.41

-9.50%

Rice (white) (1kg)

$2.08 GHS 23.70

$3.30 GHS 37.66

-36.97%

Eggs

$2.46 GHS 28.09

$2.76 GHS 31.52

-10.87%

Local Cheese (1kg)

$4.32 GHS 49.38

$12.24 GHS 140

-64.71%

Chicken Fillets (1kg)

$3.39 GHS 38.74

$7.59 GHS 86.7

-55.34%

Beef Round Steak (1kg)

$3.64 GHS 41.54

$9.99 GHS 114

-63.56%

Apples (1kg)

$2.61 GHS 29.77

$3.81 GHS 43.55

-31.50%

Banana (1kg)

$2.25 GHS 25.64

$1.45 GHS 16.52

55.17%

Oranges (1kg)

$2.24 GHS 25.54

$1.80 GHS 20.53

24.44%

Tomato (1kg)

$3.53 GHS 40.36

$3.83 GHS 43.76

-7.83%

Potato (1kg)

$3.60 GHS 41.07

$2.70 GHS 30.85

33.33%

Onion (1kg)

$2.96 GHS 33.84

$2.85 GHS 32.56

3.86%

Lettuce (1 head)

$0.46 GHS 5.23

$0.73 GHS 8.28

-36.99%

Water (1.5 liter bottle)

$0.73 GHS 8.37

$0.62 GHS 7.07

17.74%

Cigarettes 20 Pack (Marlboro, Camel)

$1.34 GHS 15.31

$2.62 GHS 29.97

-48.85%

Wine (Bottle)

$9.05 GHS 103

$7.40 GHS 84.6

22.30%

Local Beer (0.5 liter bottle)

$2.15 GHS 24.60

$1.28 GHS 14.57

67.97%

Imported Beer (0.33 liter bottle)

$3.02 GHS 34.51

$2.40 GHS 27.41

25.83%

One-way Ticket (Public Transport)

$1.82 GHS 20.79

Public Transport Monthly Pass (Regular Price)

$43.17 GHS 493

Taxi Start (Normal Tariff)

$2.16 GHS 24.67

$1.83 GHS 20.88

18.03%

Taxi (Normal Tariff) (1km)

$0.43 GHS 4.91

$1.35 GHS 15.46

-68.15%

Taxi 1hour Waiting (Normal Tariff)

$4.40 GHS 50.2

Gasoline (1 liter)

$1.17 GHS 13.35

$1.33 GHS 15.22

-12.03%

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

$7,851 GHS 89.7K

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

$9,940 GHS 113.5K

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

$78.6 GHS 897

$73.7 GHS 842

6.62%

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

$15.52 GHS 177

$20.24 GHS 231

-23.32%

Internet (50+ Mbps, Unlimited Data)

$84.3 GHS 963

$43.59 GHS 498

93.39%

Gym Membership (Monthly)

$24.78 GHS 283

Cinema Ticket

$8.72 GHS 99.5

$13.26 GHS 151

-34.24%

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

$177 GHS 2,022

$460 GHS 5,250

-61.49%

International Primary School, 1 Child (Yearly)

$2,633 GHS 30.1K

$18.6K GHS 212.4K

-85.84%

Jeans (Levis 501 Or Similar)

$13.25 GHS 151

$14.66 GHS 167

-9.62%

Summer Dress (H&M, Zara, etc)

$16.17 GHS 185

$19.19 GHS 219

-15.74%

Sport Shoes (Adidas, Nike)

$44.66 GHS 510

$36.79 GHS 420

21.39%

Men's Leather Business Shoes

$33.62 GHS 384

$53.0 GHS 606

-36.60%

1-bedroom Apartment, City Center (Monthly)

$131 GHS 1,493

1-bedroom Apartment, Outside City Center (Monthly)

$74.7 GHS 853

3-bedroom Apartment, City Center (Monthly)

$449 GHS 5,132

3-bedroom Apartment, Outside City Center (Monthly)

$219 GHS 2,496

Buy Apartment in City Center (m2)

$10.1K GHS 114.8K

Buy Apartment Outside City Center (m2)

$5,994 GHS 68.4K

Average Monthly Net Salary (After Tax)

$433 GHS 4,947

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 7, 2026

Last update for Winneba: September 8, 2026

Cost Breakdown

Dining out: $28.00 in Tema vs $52.0 in Winneba for a mid-range dinner for two. Groceries echo the gap at $223 vs $289 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 13% 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 $1,165 in Tema and $1,028 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 29% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $776 per month in Tema versus $685 in Winneba – a 13% 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 13% less than in Tema. Beyond cost, consider language, visa policies, and how big the international community is in each city.