Cost of Living Comparison Between Tema and WinnebaCost of Living Comparison Between Tema and Winneba
Monthly Cost of Living
😐Monthly costs for one person with rent: $626 in Tema versus $529 in Winneba.
😐Estimated couple costs with rent: $1,005 in Tema versus $908 in Winneba.
😐Monthly costs for a family of three with rent: $1,384 in Tema versus $1,287 in Winneba.
😐Living in Tema is roughly 18% more expensive than Winneba, driven mainly by Groceries & Markets.
📊Both cities sit below the global median: Tema53% lower, Winneba61% lower.
Currency
🍽 Eating Out
Tema
Winneba
Difference
Meal at Budget Restaurant
$7.24GHS 80.8
$4.49GHS 50.1
61.25%
Three-Course Dinner for Two, Mid-Range
$27.52GHS 307
$46.62GHS 520
-40.97%
Fast Food Meal(McDonalds, etc)
$8.09GHS 90.3
$7.89GHS 88.0
2.53%
Cappuccino
$1.50GHS 16.76
$3.50GHS 39.07
-57.14%
Coke/Pepsi/Fanta/Sprite(0.33 liter bottle)
$0.99GHS 11.07
$0.98GHS 10.92
1.02%
Water(0.33 liter bottle)
$0.33GHS 3.69
$0.35GHS 3.86
-5.71%
Local Beer(0.5 liter draught)
$1.74GHS 19.44
$1.58GHS 17.63
10.13%
Imported Beer(0.33 liter bottle)
$2.67GHS 29.76
$2.46GHS 27.44
8.54%
🛒 Groceries & Markets
Tema
Winneba
Difference
Milk(1 liter)
$3.07GHS 34.23
$3.43GHS 38.31
-10.50%
White Bread(500g)
$1.62GHS 18.04
$1.51GHS 16.82
7.28%
Rice(white)(1kg)
$1.49GHS 16.64
$2.33GHS 26.06
-36.05%
Eggs
$2.15GHS 24.00
$2.28GHS 25.47
-5.70%
Local Cheese(1kg)
$3.71GHS 41.37
$11.01GHS 123
-66.30%
Chicken Fillets(1kg)
$2.72GHS 30.41
$4.77GHS 53.3
-42.98%
Beef Round Steak(1kg)
$2.50GHS 27.87
$5.98GHS 66.8
-58.19%
Apples(1kg)
$2.81GHS 31.36
$3.02GHS 33.74
-6.95%
Banana(1kg)
$2.06GHS 23.02
$1.41GHS 15.68
46.10%
Oranges(1kg)
$2.09GHS 23.37
$1.71GHS 19.08
22.22%
Tomato(1kg)
$2.80GHS 31.29
$3.17GHS 35.33
-11.67%
Potato(1kg)
$1.90GHS 21.24
$3.04GHS 33.95
-37.50%
Onion(1kg)
$1.92GHS 21.39
$2.45GHS 27.37
-21.63%
Lettuce(1 head)
$0.64GHS 7.09
$0.75GHS 8.38
-14.67%
Water(1.5 liter bottle)
$0.82GHS 9.15
$0.52GHS 5.81
57.69%
Cigarettes 20 Pack(Marlboro, Camel)
-
$1.63GHS 18.17
-
Wine(Bottle)
$8.54GHS 95.3
$6.26GHS 69.8
36.42%
Local Beer(0.5 liter bottle)
$0.84GHS 9.39
$1.12GHS 12.51
-25.00%
Imported Beer(0.33 liter bottle)
-
$1.94GHS 21.62
-
🚌 Getting Around
Tema
Winneba
Difference
One-way Ticket(Public Transport)
$2.02GHS 22.57
-
-
Public Transport Monthly Pass(Regular Price)
$38.63GHS 431
-
-
Taxi Start(Normal Tariff)
$1.35GHS 15.09
$1.61GHS 17.99
-16.15%
Taxi(Normal Tariff)(1km)
$0.77GHS 8.55
$1.17GHS 13.06
-34.19%
Taxi 1hour Waiting(Normal Tariff)
-
$5.57GHS 62.1
-
Gasoline(1 liter)
$1.25GHS 13.91
$1.12GHS 12.55
11.61%
Midsize Hatchback 1.4l(Volkswagen Golf, Toyota Prius, Honda Civic, etc)
-
$7,921GHS 88.4K
-
Compact Sedan 1.6l(Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)
-
$9,501GHS 106.0K
-
🧾 Monthly Utilities & Internet
Tema
Winneba
Difference
Utilities for 2 People in 2-bedroom Apartment(Heating, Electricity, Gas, Water, Garbage)(85m2)
$30.51GHS 341
$56.2GHS 627
-45.69%
SIM Card Monthly Plan(Calls and 10GB+ Data)
$12.08GHS 135
$13.15GHS 147
-8.14%
Internet(50+ Mbps, Unlimited Data)
$64.9GHS 725
$38.48GHS 429
68.74%
🎉 Sport & Entertainment
Tema
Winneba
Difference
Gym Membership(Monthly)
$19.31GHS 215
-
-
Cinema Ticket
-
$9.73GHS 109
-
🧸 Childcare & Education
Tema
Winneba
Difference
Preschool or Kindergarten, Full Day, Private, 1 Child(Monthly)
$82.6GHS 922
$72.7GHS 811
13.66%
International Primary School, 1 Child(Yearly)
-
$8,139GHS 90.8K
-
👕👟 Clothing & Footwear
Tema
Winneba
Difference
Jeans(Levis 501 Or Similar)
$25.03GHS 279
$14.51GHS 162
72.50%
Summer Dress(H&M, Zara, etc)
$24.84GHS 277
$19.21GHS 214
29.31%
Sport Shoes(Adidas, Nike)
$44.69GHS 499
$29.66GHS 331
50.67%
Men's Leather Business Shoes
$61.5GHS 687
$41.05GHS 458
49.89%
🏠 Accommodation & Living
Tema
Winneba
Difference
1-bedroom Apartment, City Center(Monthly)
$119GHS 1,324
-
-
1-bedroom Apartment, Outside City Center(Monthly)
$66.7GHS 744
-
-
3-bedroom Apartment, Outside City Center(Monthly)
$135GHS 1,510
-
-
Buy Apartment in City Center(m2)
$10.2KGHS 113.4K
-
-
Buy Apartment Outside City Center(m2)
$6,068GHS 67.7K
-
-
💵 Salaries & Financials
Tema
Winneba
Difference
Average Monthly Net Salary(After Tax)
$463GHS 5,172
-
-
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: April 26, 2026
Last update for Winneba: April 26, 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 $186 vs $234 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
Which city is more expensive, Tema or Winneba?
Winneba wins on cost – living expenses run 18% 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.
How much do you need to earn to live comfortably in Tema vs Winneba?
You'd need roughly $939 in Tema and $793 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.
Are groceries more expensive in Tema or Winneba?
Shoppers in Tema pay roughly 26% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.
How much does it cost to live in Tema compared to Winneba?
All in, you'll spend $626 per month in Tema versus $529 in Winneba – a 18% gap that adds up to real savings over time for anyone picking the cheaper option.
Can you live on $1,000/month in Tema or Winneba?
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.
Which city offers a better quality of life: Tema or Winneba?
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.
Which city is more affordable for expats?
Expats usually find Winneba gentler on the wallet – expenses run 18% less than in Tema. Beyond cost, consider language, visa policies, and how big the international community is in each city.