Last update: Oct 2026

Cost of Living Comparison Between Winneba and Tema

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.

33

Cost of Living Index in Winneba
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Winneba Living Index
36

Cost of Living Index in Tema
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Tema Living Index

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Winneba

🇬🇭 Ghana

$681

/mo nomad

Tema

🇬🇭 Ghana

$746

/mo nomad

Monthly Cost of Living

How much you'll spend in Winneba and in Tema

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Winneba and in Tema actually costs, broken down by who's living it.

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

Winneba $681
Tema $746

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

Winneba $1,148
Tema $1,186

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

Winneba $1,615
Tema $1,627

Living in Winneba costs roughly 9% less than in Tema, and outside of rent the biggest gap is in transport.

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

Meal at Budget Restaurant

$8.82 GHS 102

$7.04 GHS 81.6

25.28%

Three-Course Dinner for Two, Mid-Range

$51.8 GHS 600

$27.68 GHS 321

87.21%

Fast Food Meal (McDonalds, etc)

$10.41 GHS 121

Cappuccino

$4.38 GHS 50.7

$5.09 GHS 59.0

-13.95%

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

$1.60 GHS 18.53

$0.85 GHS 9.79

88.24%

Water (0.33 liter bottle)

$0.44 GHS 5.06

$0.30 GHS 3.48

46.67%

Local Beer (0.5 liter draught)

$1.89 GHS 21.88

$3.31 GHS 38.31

-42.90%

Imported Beer (0.33 liter bottle)

$2.19 GHS 25.32

$2.56 GHS 29.59

-14.45%

Milk (1 liter)

$3.59 GHS 41.52

$3.25 GHS 37.67

10.46%

White Bread (500g)

$1.62 GHS 18.75

$1.54 GHS 17.83

5.19%

Rice (white) (1kg)

$3.20 GHS 37.04

$1.98 GHS 22.93

61.62%

Eggs

$2.60 GHS 30.09

$2.37 GHS 27.44

9.70%

Local Cheese (1kg)

$12.21 GHS 141

$4.27 GHS 49.40

185.95%

Chicken Fillets (1kg)

$7.37 GHS 85.4

$3.18 GHS 36.79

131.76%

Beef Round Steak (1kg)

$9.77 GHS 113

$3.43 GHS 39.70

184.84%

Apples (1kg)

$3.57 GHS 41.38

$2.63 GHS 30.42

35.74%

Banana (1kg)

$1.42 GHS 16.40

$2.11 GHS 24.42

-32.70%

Oranges (1kg)

$1.76 GHS 20.42

$2.20 GHS 25.43

-20.00%

Tomato (1kg)

$3.71 GHS 43.00

$3.48 GHS 40.33

6.61%

Potato (1kg)

$2.63 GHS 30.49

$3.34 GHS 38.69

-21.26%

Onion (1kg)

$2.79 GHS 32.33

$2.75 GHS 31.86

1.45%

Lettuce (1 head)

$0.75 GHS 8.67

$0.44 GHS 5.14

70.45%

Water (1.5 liter bottle)

$0.61 GHS 7.05

$0.66 GHS 7.60

-7.58%

Cigarettes 20 Pack (Marlboro, Camel)

$2.61 GHS 30.21

$1.32 GHS 15.26

97.73%

Wine (Bottle)

$7.36 GHS 85.2

$8.67 GHS 100

-15.11%

Local Beer (0.5 liter bottle)

$1.28 GHS 14.78

$2.16 GHS 25.07

-40.74%

Imported Beer (0.33 liter bottle)

$2.38 GHS 27.56

$3.04 GHS 35.22

-21.71%

One-way Ticket (Public Transport)

$1.69 GHS 19.58

Public Transport Monthly Pass (Regular Price)

$41.27 GHS 478

Taxi Start (Normal Tariff)

$1.75 GHS 20.22

$2.11 GHS 24.45

-17.06%

Taxi (Normal Tariff) (1km)

$1.32 GHS 15.34

$0.41 GHS 4.80

221.95%

Taxi 1hour Waiting (Normal Tariff)

$4.37 GHS 50.6

Gasoline (1 liter)

$1.32 GHS 15.27

$1.14 GHS 13.22

15.79%

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

$8,077 GHS 93.5K

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

$19.9K GHS 230.4K

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

$74.0 GHS 857

$76.6 GHS 887

-3.29%

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

$19.32 GHS 224

$14.89 GHS 172

29.75%

Internet (50+ Mbps, Unlimited Data)

$42.23 GHS 489

$83.0 GHS 961

-49.11%

Gym Membership (Monthly)

$23.21 GHS 269

Cinema Ticket

$12.95 GHS 150

$8.76 GHS 101

47.83%

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

$458 GHS 5,298

$174 GHS 2,012

163.33%

International Primary School, 1 Child (Yearly)

$18.3K GHS 211.4K

$2,582 GHS 29.9K

607.13%

Jeans (Levis 501 Or Similar)

$14.12 GHS 164

$12.97 GHS 150

8.87%

Summer Dress (H&M, Zara, etc)

$18.91 GHS 219

$15.23 GHS 176

24.16%

Sport Shoes (Adidas, Nike)

$37.31 GHS 432

$43.68 GHS 506

-14.58%

Men's Leather Business Shoes

$52.3 GHS 606

$32.85 GHS 380

59.33%

1-bedroom Apartment, City Center (Monthly)

$127 GHS 1,469

1-bedroom Apartment, Outside City Center (Monthly)

$72.0 GHS 833

3-bedroom Apartment, City Center (Monthly)

$436 GHS 5,048

3-bedroom Apartment, Outside City Center (Monthly)

$217 GHS 2,511

Buy Apartment in City Center (m2)

$9,800 GHS 113.5K

Buy Apartment Outside City Center (m2)

$5,945 GHS 68.8K

Average Monthly Net Salary (After Tax)

$419 GHS 4,854

20-Year Fixed Mortgage Interest Rate (Annual %)

26.75

-23.57%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Winneba: October 24, 2026

Last update for Tema: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Winneba

$280 41.1%

Tema

$216 28.9% 22.9% $64

Eating Out

Winneba

$176 25.9%

Tema

$144 * 19.3% 18.5% $33

Monthly Utilities & Internet

Winneba

$136 19.9%

Tema

$174 23.4% 28.7% $39

Clothing & Footwear

Winneba

$55 8.1%

Tema

$47 6.3% 14.6% $8.1

Sport & Entertainment

Winneba

$26 * 3.8%

Tema

$41 5.5% 57.2% $15

Getting Around

Winneba

$8.4 * 1.2%

Tema

$52 7% 524% $44

Accommodation & Living

Winneba

- * 0%

Tema

$72 9.7%

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Dining out: $52 in Winneba vs $28 in Tema for a mid-range dinner for two. Groceries echo the gap at $280 vs $216 per month, with Tema cheaper across the board.

Good to know

🇬🇭 Winneba

🇬🇭 Tema

🕒 Local time

00:09 12:09 AM

Same time as Winneba

🌤 Weather

👥 Population

71,288

160,000

💱 Currency

Ghanaian Cedi GHS ₵

📈 Exchange rate

100 GHS = 8.64 USD

100 GHS = 7.76 EUR

100 GHS = 8.64 USD

100 GHS = 7.76 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Winneba Tema 76 km

From you

Winneba
Tema

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

Winneba vs Tema: 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 $1,022 in Winneba and $1,119 in Tema 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 $681 per month in Winneba versus $746 in Tema – 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.