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: $629 in Tema versus $543 in Winneba.

Estimated couple costs with rent: $1,006 in Tema versus $913 in Winneba.

Monthly costs for a family of three with rent: $1,383 in Tema versus $1,284 in Winneba.

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

Both cities sit below the global median: Tema 53% lower, Winneba 59% lower.

Meal at Budget Restaurant

$7.58 GHS 88.5

$4.42 GHS 51.6

71.49%

Three-Course Dinner for Two, Mid-Range

$28.14 GHS 329

$47.58 GHS 556

-40.86%

Fast Food Meal (McDonalds, etc)

$7.83 GHS 91.5

$7.98 GHS 93.2

-1.88%

Cappuccino

$1.49 GHS 17.45

$3.58 GHS 41.81

-58.38%

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

$1.01 GHS 11.76

$0.99 GHS 11.62

2.02%

Water (0.33 liter bottle)

$0.33 GHS 3.88

$0.35 GHS 4.06

-5.71%

Local Beer (0.5 liter draught)

$1.75 GHS 20.41

$1.51 GHS 17.63

15.89%

Imported Beer (0.33 liter bottle)

$2.66 GHS 31.06

$2.44 GHS 28.55

9.02%

Milk (1 liter)

$2.94 GHS 34.39

$3.39 GHS 39.64

-13.27%

White Bread (500g)

$1.68 GHS 19.58

$1.46 GHS 17.01

15.07%

Rice (white) (1kg)

$1.57 GHS 18.29

$2.36 GHS 27.60

-33.47%

Eggs

$2.18 GHS 25.42

$2.40 GHS 27.98

-9.17%

Local Cheese (1kg)

$3.79 GHS 44.22

$10.97 GHS 128

-65.45%

Chicken Fillets (1kg)

$2.72 GHS 31.76

$4.71 GHS 55.1

-42.25%

Beef Round Steak (1kg)

$2.48 GHS 28.92

$5.81 GHS 67.9

-57.31%

Apples (1kg)

$2.73 GHS 31.88

$2.89 GHS 33.75

-5.54%

Banana (1kg)

$1.99 GHS 23.27

$1.43 GHS 16.71

39.16%

Oranges (1kg)

$2.02 GHS 23.61

$1.63 GHS 19.06

23.93%

Tomato (1kg)

$2.80 GHS 32.66

$3.09 GHS 36.13

-9.39%

Potato (1kg)

$1.90 GHS 22.20

$3.02 GHS 35.27

-37.09%

Onion (1kg)

$1.90 GHS 22.19

$2.34 GHS 27.38

-18.80%

Lettuce (1 head)

$0.63 GHS 7.40

$0.81 GHS 9.47

-22.22%

Water (1.5 liter bottle)

$0.83 GHS 9.69

$0.51 GHS 5.99

62.75%

Cigarettes 20 Pack (Marlboro, Camel)

$1.65 GHS 19.27

Wine (Bottle)

$7.05 GHS 82.3

$7.07 GHS 82.6

-0.28%

Local Beer (0.5 liter bottle)

$0.83 GHS 9.66

$1.13 GHS 13.15

-26.55%

Imported Beer (0.33 liter bottle)

$1.89 GHS 22.02

One-way Ticket (Public Transport)

$2.08 GHS 24.25

Public Transport Monthly Pass (Regular Price)

$38.71 GHS 452

Taxi Start (Normal Tariff)

$1.36 GHS 15.87

$1.56 GHS 18.20

-12.82%

Taxi (Normal Tariff) (1km)

$0.72 GHS 8.45

$1.16 GHS 13.53

-37.93%

Taxi 1hour Waiting (Normal Tariff)

$5.43 GHS 63.4

Gasoline (1 liter)

$1.23 GHS 14.35

$1.08 GHS 12.61

13.89%

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

$7,988 GHS 93.3K

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

$9,785 GHS 114.3K

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

$30.27 GHS 354

$55.6 GHS 650

-45.60%

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

$12.18 GHS 142

$13.24 GHS 155

-8.01%

Internet (50+ Mbps, Unlimited Data)

$63.4 GHS 740

$37.61 GHS 439

68.55%

Gym Membership (Monthly)

$19.37 GHS 226

Cinema Ticket

$9.46 GHS 111

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

$83.9 GHS 980

$71.2 GHS 831

17.88%

International Primary School, 1 Child (Yearly)

$7,963 GHS 93.0K

Jeans (Levis 501 Or Similar)

$24.15 GHS 282

$14.73 GHS 172

63.95%

Summer Dress (H&M, Zara, etc)

$25.06 GHS 293

$19.16 GHS 224

30.79%

Sport Shoes (Adidas, Nike)

$45.15 GHS 527

$29.44 GHS 344

53.36%

Men's Leather Business Shoes

$62.5 GHS 730

$41.96 GHS 490

48.93%

1-bedroom Apartment, City Center (Monthly)

$118 GHS 1,384

1-bedroom Apartment, Outside City Center (Monthly)

$67.0 GHS 783

3-bedroom Apartment, Outside City Center (Monthly)

$136 GHS 1,589

Buy Apartment in City Center (m2)

$9,781 GHS 114.2K

Buy Apartment Outside City Center (m2)

$5,837 GHS 68.2K

Average Monthly Net Salary (After Tax)

$401 GHS 4,681

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: July 27, 2026

Last update for Winneba: July 25, 2026

Cost Breakdown

Dining out: $28.00 in Tema vs $48.00 in Winneba for a mid-range dinner for two. Groceries echo the gap at $181 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 $943 in Tema and $814 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 $629 per month in Tema versus $543 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.