Cost of Living in Tema - Updated Prices & Insights

Name: Tema
Address: Tema, GH

Solo nomad: Estimated monthly costs are $523 (excluding rent), and $618 including rent.

Family of 3: Estimated monthly costs are $1,188 (excluding rent), and $1,388 including rent.

Meal at Budget Restaurant

$7.37 GHS 75.3

$3.99 GHS 40.74

$8.15 GHS 83.3

Three-Course Dinner for Two, Mid-Range

$27.54 GHS 282

$24.14 GHS 247

$60.6 GHS 619

Fast Food Meal (McDonalds, etc)

$7.88 GHS 80.5

Cappuccino

$1.52 GHS 15.55

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

$1.04 GHS 10.66

$0.84 GHS 8.57

$1.26 GHS 12.85

Water (0.33 liter bottle)

$0.33 GHS 3.42

$0.19 GHS 1.92

$0.43 GHS 4.38

Local Beer (0.5 liter draught)

$1.73 GHS 17.67

$1.45 GHS 14.86

$2 GHS 20.48

Imported Beer (0.33 liter bottle)

$2.69 GHS 27.45

Milk (1 liter)

$3.07 GHS 31.38

$2.78 GHS 28.44

$3.36 GHS 34.31

White Bread (500g)

$1.61 GHS 16.42

$1.02 GHS 10.37

$2.19 GHS 22.36

Rice (white) (1kg)

$1.48 GHS 15.1

$1.2 GHS 12.22

$1.75 GHS 17.88

Eggs

$2.27 GHS 23.21

$2.01 GHS 20.59

$2.53 GHS 25.84

Local Cheese (1kg)

$3.64 GHS 37.19

Chicken Fillets (1kg)

$2.74 GHS 28

$2.09 GHS 21.32

$3.39 GHS 34.69

Beef Round Steak (1kg)

$2.48 GHS 25.39

Apples (1kg)

$2.76 GHS 28.16

$2.44 GHS 24.91

$3.06 GHS 31.31

Banana (1kg)

$2.1 GHS 21.49

$1.68 GHS 17.19

$2.52 GHS 25.78

Oranges (1kg)

$2.02 GHS 20.66

$1.62 GHS 16.53

$2.43 GHS 24.79

Tomato (1kg)

$2.79 GHS 28.54

$2.39 GHS 24.46

$3.18 GHS 32.51

Potato (1kg)

$1.89 GHS 19.27

Onion (1kg)

$1.94 GHS 19.8

$1.84 GHS 18.78

$2.03 GHS 20.71

Lettuce (1 head)

$0.6 GHS 6.18

Water (1.5 liter bottle)

$0.88 GHS 8.95

$0.85 GHS 8.73

$0.9 GHS 9.16

Wine (Bottle)

$8.03 GHS 82.1

Local Beer (0.5 liter bottle)

$0.87 GHS 8.92

One-way Ticket (Public Transport)

$2.07 GHS 21.18

$1.66 GHS 16.94

$2.49 GHS 25.42

Public Transport Monthly Pass (Regular Price)

$38.89 GHS 397

Taxi Start (Normal Tariff)

$1.41 GHS 14.37

$0.75 GHS 7.65

$2.06 GHS 21.09

Taxi (Normal Tariff) (1km)

$0.7 GHS 7.19

Gasoline (1 liter)

$1.24 GHS 12.63

$0.94 GHS 9.6

$1.51 GHS 15.45

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

$30.45 GHS 311

$24.31 GHS 248

$36.59 GHS 374

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

$12.36 GHS 126

Internet (50+ Mbps, Unlimited Data)

$64 GHS 654

$48.93 GHS 500

$79 GHS 807

Gym Membership (Monthly)

$19.61 GHS 200

$18.61 GHS 190

$20.61 GHS 211

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

$81.5 GHS 833

Jeans (Levis 501 Or Similar)

$24.43 GHS 250

$12.19 GHS 125

$36.69 GHS 375

Summer Dress (H&M, Zara, etc)

$24.18 GHS 247

Sport Shoes (Adidas, Nike)

$45 GHS 460

$40.84 GHS 417

$49.18 GHS 503

Men's Leather Business Shoes

$60.9 GHS 622

$36.43 GHS 372

$85.3 GHS 872

1-bedroom Apartment, City Center (Monthly)

$119 GHS 1,213

1-bedroom Apartment, Outside City Center (Monthly)

$66 GHS 675

3-bedroom Apartment, Outside City Center (Monthly)

$136 GHS 1,392

Average Monthly Net Salary (After Tax)

$405 GHS 4,138

20-Year Fixed Mortgage Interest Rate (Annual %)

32.5

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

City tags:

🌍 Africa

Cost of Living in Tema - Frequently Asked Questions

Cost of Living in Tema, Ghana offers a pragmatic balance for a coastal city near Accra. Local meals, markets, and transport tend to be affordable, especially when you rely on home cooking and short rides. If you value space and practical routines, you’ll find rents and utilities reasonable relative to larger hubs, though imported goods and premium apartments can push costs higher. Neighborhood choices – from port-adjacent areas to quieter residential pockets – change the vibe and price. The value lies in straightforward daily life, community-friendly amenities, and beach access that keeps living costs manageable. Tip: Start with a week of neighborhood scouting to map quick routes to work, markets, and coworking spaces.

Daily life in Tema blends practical budgeting with coastal ease. Housing ranges from compact apartments to larger flats in newer developments; prices vary by proximity to the port, markets, or Spintex corridor. Understanding the Tema, Ghana living cost can guide your planning when comparing rents and utilities. Food is abundant at local markets and casual eateries, offering solid value when you lean on local staples. Transport is straightforward: tro-tro minibuses, taxis, and ride-hailing services cover most routes, with cycling and walking feasible in several neighborhoods. Co-working spaces and cafés with reliable Wi‑Fi support remote work. Tip: test a few neighborhoods with short stays to feel the daily rhythm.

Quality of life in Tema centers on balance between pace, coast, and practicality. A mindful budgeting framework helps you align housing, food, and transport with your goals; try a simple monthly plan that tracks essentials and discretionary spending. Seasonality matters: the dry season can bring heat and dust, while the rainy period affects travel and street conditions; mornings are often pleasant, with beach strolls possible most days. Neighborhood fit hinges on proximity to markets, healthcare, safety, and access to green spaces. To save, consider cooking at home, shopping at markets, and negotiating longer leases for steadier costs. Tip: rotate among two or three neighborhoods before committing to a longer lease to find your best fit.