Cost of Living in Tema - Updated Prices & Insights

Name: Tema
Address: Tema, GH

Solo nomad: Estimated monthly costs are $520 (excluding rent), and $613 including rent.

Family of 3: Estimated monthly costs are $1,332 (excluding rent), and $1,383 including rent.

Meal at Budget Restaurant

$7.49 GHS 83.3

$4.05 GHS 45.10

$8.29 GHS 92.2

Three-Course Dinner for Two, Mid-Range

$27.74 GHS 309

$24.31 GHS 271

$61.0 GHS 679

Fast Food Meal (McDonalds, etc)

$8.06 GHS 89.8

Cappuccino

$1.49 GHS 16.61

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

$1.00 GHS 11.14

$0.80 GHS 8.96

$1.21 GHS 13.44

Water (0.33 liter bottle)

$0.33 GHS 3.68

$0.19 GHS 2.07

$0.42 GHS 4.72

Local Beer (0.5 liter draught)

$1.71 GHS 19.01

$1.44 GHS 15.98

$1.98 GHS 22.03

Imported Beer (0.33 liter bottle)

$2.73 GHS 30.35

Milk (1 liter)

$3.05 GHS 33.89

$2.76 GHS 30.72

$3.33 GHS 37.06

White Bread (500g)

$1.62 GHS 18.02

$1.02 GHS 11.39

$2.20 GHS 24.54

Rice (white) (1kg)

$1.49 GHS 16.64

$1.21 GHS 13.46

$1.77 GHS 19.70

Eggs

$2.26 GHS 25.14

$2.00 GHS 22.29

$2.51 GHS 27.98

Local Cheese (1kg)

$3.67 GHS 40.86

Chicken Fillets (1kg)

$2.70 GHS 30.01

$2.05 GHS 22.84

$3.34 GHS 37.18

Beef Round Steak (1kg)

$2.44 GHS 27.13

Apples (1kg)

$2.76 GHS 30.72

$2.44 GHS 27.17

$3.07 GHS 34.15

Banana (1kg)

$2.08 GHS 23.17

$1.67 GHS 18.53

$2.50 GHS 27.80

Oranges (1kg)

$2.01 GHS 22.39

$1.61 GHS 17.91

$2.41 GHS 26.87

Tomato (1kg)

$2.93 GHS 32.62

$2.51 GHS 27.96

$3.34 GHS 37.17

Potato (1kg)

$1.86 GHS 20.72

Onion (1kg)

$1.90 GHS 21.19

$1.81 GHS 20.10

$1.99 GHS 22.17

Lettuce (1 head)

$0.59 GHS 6.60

Water (1.5 liter bottle)

$0.80 GHS 8.90

$0.78 GHS 8.69

$0.82 GHS 9.11

Wine (Bottle)

$8.53 GHS 95.0

$8.04 GHS 89.5

$9.02 GHS 100

Local Beer (0.5 liter bottle)

$0.90 GHS 10.03

One-way Ticket (Public Transport)

$2.03 GHS 22.55

$1.62 GHS 18.04

$2.43 GHS 27.06

Public Transport Monthly Pass (Regular Price)

$39.36 GHS 438

Taxi Start (Normal Tariff)

$1.42 GHS 15.82

$0.76 GHS 8.42

$2.09 GHS 23.21

Taxi (Normal Tariff) (1km)

$0.76 GHS 8.43

Gasoline (1 liter)

$1.18 GHS 13.09

$0.89 GHS 9.95

$1.44 GHS 16.01

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

$31.33 GHS 349

$25.01 GHS 278

$37.65 GHS 419

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

$12.34 GHS 137

Internet (50+ Mbps, Unlimited Data)

$63.7 GHS 709

$48.75 GHS 543

$78.7 GHS 876

Gym Membership (Monthly)

$19.10 GHS 213

$18.12 GHS 202

$20.07 GHS 223

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

$84.7 GHS 942

Jeans (Levis 501 Or Similar)

$24.23 GHS 270

$12.09 GHS 135

$36.39 GHS 405

Summer Dress (H&M, Zara, etc)

$25.10 GHS 279

Sport Shoes (Adidas, Nike)

$44.84 GHS 499

$40.69 GHS 453

$49.00 GHS 545

Men's Leather Business Shoes

$61.0 GHS 679

$36.51 GHS 406

$85.5 GHS 951

1-bedroom Apartment, City Center (Monthly)

$116 GHS 1,288

1-bedroom Apartment, Outside City Center (Monthly)

$65.5 GHS 729

3-bedroom Apartment, Outside City Center (Monthly)

$138 GHS 1,541

Buy Apartment in City Center (m2)

$9,889 GHS 110.1K

Buy Apartment Outside City Center (m2)

$5,995 GHS 66.7K

Average Monthly Net Salary (After Tax)

$460 GHS 5,123

20-Year Fixed Mortgage Interest Rate (Annual %)

32.5

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

Last update: April 12, 2026

Tema Median Internet Speeds (Updated April 2026)

Mobile

Mbps

Fixed Broadband

Mbps

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

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.