Cost of Living in Tema - Updated Prices & Insights

Name: Tema
Address: Tema, GH

Solo nomad: Estimated monthly costs are $499 (excluding rent), and $629 including rent.

Family of 3: Estimated monthly costs are $1,136 (excluding rent), and $1,391 including rent.

Meal at Budget Restaurant

$7.34 GHS 83

$3.97 GHS 44.95

$8.13 GHS 91.9

Three-Course Dinner for Two, Mid-Range

$28.42 GHS 321

$24.91 GHS 282

$62.5 GHS 707

Fast Food Meal (McDonalds, etc)

$8.02 GHS 90.7

Cappuccino

$1.45 GHS 16.38

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

$1 GHS 11.34

$0.81 GHS 9.12

$1.21 GHS 13.68

Water (0.33 liter bottle)

$0.33 GHS 3.74

$0.19 GHS 2.1

$0.42 GHS 4.79

Local Beer (0.5 liter draught)

$1.8 GHS 20.37

$1.51 GHS 17.13

$2.09 GHS 23.61

Imported Beer (0.33 liter bottle)

$2.73 GHS 30.86

Milk (1 liter)

$3.02 GHS 34.18

$2.74 GHS 30.98

$3.3 GHS 37.38

White Bread (500g)

$1.65 GHS 18.61

$1.04 GHS 11.76

$2.24 GHS 25.34

Rice (white) (1kg)

$1.49 GHS 16.82

$1.2 GHS 13.61

$1.76 GHS 19.91

Eggs

$2.27 GHS 25.71

$2.02 GHS 22.8

$2.53 GHS 28.61

Local Cheese (1kg)

$3.72 GHS 42.02

Chicken Fillets (1kg)

$2.62 GHS 29.64

$1.99 GHS 22.56

$3.25 GHS 36.72

Beef Round Steak (1kg)

$2.44 GHS 27.54

Apples (1kg)

$2.74 GHS 31

$2.42 GHS 27.42

$3.05 GHS 34.47

Banana (1kg)

$2.1 GHS 23.75

$1.68 GHS 19

$2.52 GHS 28.5

Oranges (1kg)

$2.03 GHS 23.01

$1.63 GHS 18.41

$2.44 GHS 27.62

Tomato (1kg)

$2.95 GHS 33.42

$2.53 GHS 28.65

$3.37 GHS 38.08

Potato (1kg)

$1.89 GHS 21.36

Onion (1kg)

$2 GHS 22.65

$1.9 GHS 21.49

$2.1 GHS 23.7

Lettuce (1 head)

$0.63 GHS 7.14

Water (1.5 liter bottle)

$0.8 GHS 9.1

$0.79 GHS 8.88

$0.82 GHS 9.32

Wine (Bottle)

$8.42 GHS 95.2

$7.93 GHS 89.7

$8.89 GHS 101

Local Beer (0.5 liter bottle)

$0.82 GHS 9.29

One-way Ticket (Public Transport)

$2.02 GHS 22.81

$1.61 GHS 18.25

$2.42 GHS 27.37

Public Transport Monthly Pass (Regular Price)

$39.97 GHS 452

Taxi Start (Normal Tariff)

$1.36 GHS 15.43

$0.73 GHS 8.21

$2 GHS 22.64

Taxi (Normal Tariff) (1km)

$0.75 GHS 8.49

Gasoline (1 liter)

$1.22 GHS 13.83

$0.93 GHS 10.51

$1.5 GHS 16.91

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

$31.04 GHS 351

$24.78 GHS 280

$37.3 GHS 422

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

$12.48 GHS 141

Internet (50+ Mbps, Unlimited Data)

$65.1 GHS 736

$49.8 GHS 563

$80.4 GHS 909

Gym Membership (Monthly)

$19.09 GHS 216

$18.12 GHS 205

$20.06 GHS 227

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

$83.3 GHS 943

Jeans (Levis 501 Or Similar)

$25.09 GHS 284

$12.51 GHS 142

$37.67 GHS 426

Summer Dress (H&M, Zara, etc)

$24.13 GHS 273

Sport Shoes (Adidas, Nike)

$44.73 GHS 506

$40.59 GHS 459

$48.88 GHS 553

Men's Leather Business Shoes

$61 GHS 690

$36.53 GHS 413

$85.5 GHS 967

1-bedroom Apartment, City Center (Monthly)

$116 GHS 1,318

1-bedroom Apartment, Outside City Center (Monthly)

$67.3 GHS 761

3-bedroom Apartment, Outside City Center (Monthly)

$139 GHS 1,569

Buy Apartment in City Center (m2)

$9,845 GHS 111.3K

Buy Apartment Outside City Center (m2)

$5,972 GHS 67.5K

Average Monthly Net Salary (After Tax)

$460 GHS 5,202

20-Year Fixed Mortgage Interest Rate (Annual %)

32.5

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

Last update: November 30, 2025

Digital Nomad Cost of Living Index

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.