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: $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: Tema 53% lower, Winneba 61% lower.

Meal at Budget Restaurant

$7.24 GHS 80.8

$4.49 GHS 50.1

61.25%

Three-Course Dinner for Two, Mid-Range

$27.52 GHS 307

$46.62 GHS 520

-40.97%

Fast Food Meal (McDonalds, etc)

$8.09 GHS 90.3

$7.89 GHS 88.0

2.53%

Cappuccino

$1.50 GHS 16.76

$3.50 GHS 39.07

-57.14%

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

$0.99 GHS 11.07

$0.98 GHS 10.92

1.02%

Water (0.33 liter bottle)

$0.33 GHS 3.69

$0.35 GHS 3.86

-5.71%

Local Beer (0.5 liter draught)

$1.74 GHS 19.44

$1.58 GHS 17.63

10.13%

Imported Beer (0.33 liter bottle)

$2.67 GHS 29.76

$2.46 GHS 27.44

8.54%

Milk (1 liter)

$3.07 GHS 34.23

$3.43 GHS 38.31

-10.50%

White Bread (500g)

$1.62 GHS 18.04

$1.51 GHS 16.82

7.28%

Rice (white) (1kg)

$1.49 GHS 16.64

$2.33 GHS 26.06

-36.05%

Eggs

$2.15 GHS 24.00

$2.28 GHS 25.47

-5.70%

Local Cheese (1kg)

$3.71 GHS 41.37

$11.01 GHS 123

-66.30%

Chicken Fillets (1kg)

$2.72 GHS 30.41

$4.77 GHS 53.3

-42.98%

Beef Round Steak (1kg)

$2.50 GHS 27.87

$5.98 GHS 66.8

-58.19%

Apples (1kg)

$2.81 GHS 31.36

$3.02 GHS 33.74

-6.95%

Banana (1kg)

$2.06 GHS 23.02

$1.41 GHS 15.68

46.10%

Oranges (1kg)

$2.09 GHS 23.37

$1.71 GHS 19.08

22.22%

Tomato (1kg)

$2.80 GHS 31.29

$3.17 GHS 35.33

-11.67%

Potato (1kg)

$1.90 GHS 21.24

$3.04 GHS 33.95

-37.50%

Onion (1kg)

$1.92 GHS 21.39

$2.45 GHS 27.37

-21.63%

Lettuce (1 head)

$0.64 GHS 7.09

$0.75 GHS 8.38

-14.67%

Water (1.5 liter bottle)

$0.82 GHS 9.15

$0.52 GHS 5.81

57.69%

Cigarettes 20 Pack (Marlboro, Camel)

$1.63 GHS 18.17

Wine (Bottle)

$8.54 GHS 95.3

$6.26 GHS 69.8

36.42%

Local Beer (0.5 liter bottle)

$0.84 GHS 9.39

$1.12 GHS 12.51

-25.00%

Imported Beer (0.33 liter bottle)

$1.94 GHS 21.62

One-way Ticket (Public Transport)

$2.02 GHS 22.57

Public Transport Monthly Pass (Regular Price)

$38.63 GHS 431

Taxi Start (Normal Tariff)

$1.35 GHS 15.09

$1.61 GHS 17.99

-16.15%

Taxi (Normal Tariff) (1km)

$0.77 GHS 8.55

$1.17 GHS 13.06

-34.19%

Taxi 1hour Waiting (Normal Tariff)

$5.57 GHS 62.1

Gasoline (1 liter)

$1.25 GHS 13.91

$1.12 GHS 12.55

11.61%

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

$7,921 GHS 88.4K

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

$9,501 GHS 106.0K

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

$30.51 GHS 341

$56.2 GHS 627

-45.69%

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

$12.08 GHS 135

$13.15 GHS 147

-8.14%

Internet (50+ Mbps, Unlimited Data)

$64.9 GHS 725

$38.48 GHS 429

68.74%

Gym Membership (Monthly)

$19.31 GHS 215

Cinema Ticket

$9.73 GHS 109

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

$82.6 GHS 922

$72.7 GHS 811

13.66%

International Primary School, 1 Child (Yearly)

$8,139 GHS 90.8K

Jeans (Levis 501 Or Similar)

$25.03 GHS 279

$14.51 GHS 162

72.50%

Summer Dress (H&M, Zara, etc)

$24.84 GHS 277

$19.21 GHS 214

29.31%

Sport Shoes (Adidas, Nike)

$44.69 GHS 499

$29.66 GHS 331

50.67%

Men's Leather Business Shoes

$61.5 GHS 687

$41.05 GHS 458

49.89%

1-bedroom Apartment, City Center (Monthly)

$119 GHS 1,324

1-bedroom Apartment, Outside City Center (Monthly)

$66.7 GHS 744

3-bedroom Apartment, Outside City Center (Monthly)

$135 GHS 1,510

Buy Apartment in City Center (m2)

$10.2K GHS 113.4K

Buy Apartment Outside City Center (m2)

$6,068 GHS 67.7K

Average Monthly Net Salary (After Tax)

$463 GHS 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

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.

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.

Shoppers in Tema pay roughly 26% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

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.

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 18% less than in Tema. Beyond cost, consider language, visa policies, and how big the international community is in each city.