Last update: Oct 2026

Cost of Living Comparison Between Tema and Winneba

For one person, living is cheaper in Winneba: $681 a month against $746 in Tema, rent and utilities included – about $780 less a year. Higher rent and utilities in Tema outweigh lower spending on other living expenses.

36

Cost of Living Index in Tema
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Tema Living Index
33

Cost of Living Index in Winneba
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Winneba Living Index

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Tema

🇬🇭 Ghana

$746

/mo nomad

Winneba

🇬🇭 Ghana

$681

/mo nomad

Monthly Cost of Living

How much you'll spend in Tema and in Winneba

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 Winneba actually costs, broken down by who's living it.

Monthly costs for one person with rent: $746 in Tema versus $681 in Winneba.

Tema $746
Winneba $681

Estimated couple costs with rent: $1,186 in Tema versus $1,148 in Winneba.

Tema $1,186
Winneba $1,148

Monthly costs for a family of three with rent: $1,627 in Tema versus $1,615 in Winneba.

Tema $1,627
Winneba $1,615

Living in Tema is roughly 10% more expensive than in Winneba, and outside of rent the biggest gap is in transport.

Both cities sit below the global median: Tema 45% lower, Winneba 50% lower.

Meal at Budget Restaurant

$7.04 GHS 82.0

$8.82 GHS 103

-20.18%

Three-Course Dinner for Two, Mid-Range

$27.68 GHS 322

$51.8 GHS 603

-46.58%

Fast Food Meal (McDonalds, etc)

$10.41 GHS 121

Cappuccino

$5.09 GHS 59.3

$4.38 GHS 51.0

16.21%

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

$0.85 GHS 9.84

$1.60 GHS 18.62

-46.88%

Water (0.33 liter bottle)

$0.30 GHS 3.50

$0.44 GHS 5.09

-31.82%

Local Beer (0.5 liter draught)

$3.31 GHS 38.50

$1.89 GHS 21.99

75.13%

Imported Beer (0.33 liter bottle)

$2.56 GHS 29.75

$2.19 GHS 25.45

16.89%

Milk (1 liter)

$3.25 GHS 37.87

$3.59 GHS 41.73

-9.47%

White Bread (500g)

$1.54 GHS 17.92

$1.62 GHS 18.85

-4.94%

Rice (white) (1kg)

$1.98 GHS 23.05

$3.20 GHS 37.24

-38.13%

Eggs

$2.37 GHS 27.58

$2.60 GHS 30.24

-8.85%

Local Cheese (1kg)

$4.27 GHS 49.65

$12.21 GHS 142

-65.03%

Chicken Fillets (1kg)

$3.18 GHS 36.98

$7.37 GHS 85.8

-56.85%

Beef Round Steak (1kg)

$3.43 GHS 39.91

$9.77 GHS 114

-64.89%

Apples (1kg)

$2.63 GHS 30.57

$3.57 GHS 41.59

-26.33%

Banana (1kg)

$2.11 GHS 24.55

$1.42 GHS 16.48

48.59%

Oranges (1kg)

$2.20 GHS 25.57

$1.76 GHS 20.53

25.00%

Tomato (1kg)

$3.48 GHS 40.54

$3.71 GHS 43.22

-6.20%

Potato (1kg)

$3.34 GHS 38.89

$2.63 GHS 30.65

27.00%

Onion (1kg)

$2.75 GHS 32.03

$2.79 GHS 32.50

-1.43%

Lettuce (1 head)

$0.44 GHS 5.17

$0.75 GHS 8.71

-41.33%

Water (1.5 liter bottle)

$0.66 GHS 7.64

$0.61 GHS 7.09

8.20%

Cigarettes 20 Pack (Marlboro, Camel)

$1.32 GHS 15.34

$2.61 GHS 30.37

-49.43%

Wine (Bottle)

$8.67 GHS 101

$7.36 GHS 85.6

17.80%

Local Beer (0.5 liter bottle)

$2.16 GHS 25.20

$1.28 GHS 14.86

68.75%

Imported Beer (0.33 liter bottle)

$3.04 GHS 35.40

$2.38 GHS 27.70

27.73%

One-way Ticket (Public Transport)

$1.69 GHS 19.68

Public Transport Monthly Pass (Regular Price)

$41.27 GHS 480

Taxi Start (Normal Tariff)

$2.11 GHS 24.57

$1.75 GHS 20.32

20.57%

Taxi (Normal Tariff) (1km)

$0.41 GHS 4.83

$1.32 GHS 15.42

-68.94%

Taxi 1hour Waiting (Normal Tariff)

$4.37 GHS 50.8

Gasoline (1 liter)

$1.14 GHS 13.29

$1.32 GHS 15.35

-13.64%

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

$8,077 GHS 94.0K

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

$19.9K GHS 231.6K

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

$76.6 GHS 891

$74.0 GHS 862

3.40%

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

$14.89 GHS 173

$19.32 GHS 225

-22.93%

Internet (50+ Mbps, Unlimited Data)

$83.0 GHS 966

$42.23 GHS 492

96.52%

Gym Membership (Monthly)

$23.21 GHS 270

Cinema Ticket

$8.76 GHS 102

$12.95 GHS 151

-32.36%

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

$174 GHS 2,022

$458 GHS 5,325

-62.02%

International Primary School, 1 Child (Yearly)

$2,582 GHS 30.0K

$18.3K GHS 212.5K

-85.86%

Jeans (Levis 501 Or Similar)

$12.97 GHS 151

$14.12 GHS 164

-8.14%

Summer Dress (H&M, Zara, etc)

$15.23 GHS 177

$18.91 GHS 220

-19.46%

Sport Shoes (Adidas, Nike)

$43.68 GHS 508

$37.31 GHS 434

17.07%

Men's Leather Business Shoes

$32.85 GHS 382

$52.3 GHS 609

-37.24%

1-bedroom Apartment, City Center (Monthly)

$127 GHS 1,477

1-bedroom Apartment, Outside City Center (Monthly)

$72.0 GHS 838

3-bedroom Apartment, City Center (Monthly)

$436 GHS 5,074

3-bedroom Apartment, Outside City Center (Monthly)

$217 GHS 2,524

Buy Apartment in City Center (m2)

$9,800 GHS 114.1K

Buy Apartment Outside City Center (m2)

$5,945 GHS 69.2K

Average Monthly Net Salary (After Tax)

$419 GHS 4,879

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: October 25, 2026

Last update for Winneba: October 24, 2026

Monthly budget structure

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

Groceries & Markets

Tema

$216 28.9%

Winneba

$280 41.1% 29.6% $64

Monthly Utilities & Internet

Tema

$174 23.4%

Winneba

$136 19.9% 22.3% $39

Eating Out

Tema

$144 * 19.3%

Winneba

$176 25.9% 22.7% $33

Accommodation & Living

Tema

$72 9.7%

Winneba

- * 0% 100%

Getting Around

Tema

$52 7%

Winneba

$8.4 * 1.2% 84% $44

Clothing & Footwear

Tema

$47 6.3%

Winneba

$55 8.1% 17.1% $8.1

Sport & Entertainment

Tema

$41 5.5%

Winneba

$26 * 3.8% 36.4% $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 $52 in Winneba for a mid-range dinner for two. Groceries echo the gap at $216 vs $280 per month, with Tema cheaper across the board.

Good to know

🇬🇭 Tema

🇬🇭 Winneba

🕒 Local time

04:24 4:24 AM

Same time as Tema

🌤 Weather

👥 Population

160,000

71,288

💱 Currency

Ghanaian Cedi GHS ₵

📈 Exchange rate

100 GHS = 8.59 USD

100 GHS = 7.72 EUR

100 GHS = 8.59 USD

100 GHS = 7.72 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Tema Winneba 76 km

From you

Tema
Winneba

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 Winneba: Cost of Living - Frequently Asked Questions

Winneba wins on cost – living expenses run 9% 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 $1,119 in Tema and $1,022 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 23% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

All in, you’ll spend $746 per month in Tema versus $681 in Winneba – Winneba is about 9% cheaper, which adds up to real savings over time.

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.