Cost of Living in Tema - Updated Prices & Insights

Name: Tema
Address: Tema, GH

Solo nomad: Estimated monthly costs are $465 (excluding rent), and $622 including rent.

Family of 3: Estimated monthly costs are $1,341 (excluding rent), and $1,374 including rent.

Meal at Budget Restaurant

$7.19 GHS 77.8

$3.89 GHS 42.09

$7.96 GHS 86.1

Three-Course Dinner for Two, Mid-Range

$28.54 GHS 308

$25.01 GHS 270

$62.7 GHS 678

Fast Food Meal (McDonalds, etc)

$8.13 GHS 87.9

Cappuccino

$1.44 GHS 15.54

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

$1.03 GHS 11.15

$0.83 GHS 8.96

$1.24 GHS 13.44

Water (0.33 liter bottle)

$0.33 GHS 3.60

$0.19 GHS 2.02

$0.43 GHS 4.61

Local Beer (0.5 liter draught)

$1.72 GHS 18.60

$1.45 GHS 15.64

$1.99 GHS 21.56

Imported Beer (0.33 liter bottle)

$2.65 GHS 28.67

Milk (1 liter)

$2.93 GHS 31.63

$2.65 GHS 28.67

$3.20 GHS 34.59

White Bread (500g)

$1.66 GHS 17.90

$1.05 GHS 11.31

$2.26 GHS 24.39

Rice (white) (1kg)

$1.50 GHS 16.22

$1.21 GHS 13.12

$1.78 GHS 19.20

Eggs

$2.19 GHS 23.67

$1.94 GHS 20.99

$2.44 GHS 26.35

Local Cheese (1kg)

$3.80 GHS 41.03

Chicken Fillets (1kg)

$2.73 GHS 29.50

$2.08 GHS 22.46

$3.38 GHS 36.55

Beef Round Steak (1kg)

$2.41 GHS 26.00

Apples (1kg)

$2.81 GHS 30.37

$2.49 GHS 26.87

$3.12 GHS 33.77

Banana (1kg)

$2.01 GHS 21.78

$1.61 GHS 17.42

$2.42 GHS 26.14

Oranges (1kg)

$2.09 GHS 22.63

$1.67 GHS 18.10

$2.51 GHS 27.15

Tomato (1kg)

$2.91 GHS 31.42

$2.49 GHS 26.93

$3.31 GHS 35.80

Potato (1kg)

$1.80 GHS 19.41

Onion (1kg)

$1.97 GHS 21.27

$1.87 GHS 20.18

$2.06 GHS 22.25

Lettuce (1 head)

$0.63 GHS 6.86

Water (1.5 liter bottle)

$0.85 GHS 9.22

$0.83 GHS 9.00

$0.87 GHS 9.44

Wine (Bottle)

$8.68 GHS 93.8

$8.18 GHS 88.4

$9.17 GHS 99.1

Local Beer (0.5 liter bottle)

$0.90 GHS 9.71

One-way Ticket (Public Transport)

$2.01 GHS 21.71

$1.61 GHS 17.36

$2.41 GHS 26.05

Public Transport Monthly Pass (Regular Price)

$38.52 GHS 416

Taxi Start (Normal Tariff)

$1.40 GHS 15.15

$0.75 GHS 8.06

$2.06 GHS 22.23

Taxi (Normal Tariff) (1km)

$0.76 GHS 8.20

Gasoline (1 liter)

$1.18 GHS 12.72

$0.89 GHS 9.67

$1.44 GHS 15.56

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

$30.31 GHS 328

$24.20 GHS 262

$36.43 GHS 394

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

$12.25 GHS 132

Internet (50+ Mbps, Unlimited Data)

$65.4 GHS 707

$50.0 GHS 541

$80.7 GHS 873

Gym Membership (Monthly)

$19.52 GHS 211

$18.52 GHS 200

$20.51 GHS 222

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

$84.7 GHS 915

Jeans (Levis 501 Or Similar)

$24.12 GHS 261

$12.03 GHS 130

$36.22 GHS 392

Summer Dress (H&M, Zara, etc)

$24.74 GHS 267

Sport Shoes (Adidas, Nike)

$44.90 GHS 485

$40.75 GHS 440

$49.07 GHS 530

Men's Leather Business Shoes

$60.5 GHS 654

$36.22 GHS 392

$84.8 GHS 917

1-bedroom Apartment, City Center (Monthly)

$117 GHS 1,262

1-bedroom Apartment, Outside City Center (Monthly)

$66.6 GHS 720

3-bedroom Apartment, Outside City Center (Monthly)

$135 GHS 1,461

Buy Apartment in City Center (m2)

$9,958 GHS 107.6K

Buy Apartment Outside City Center (m2)

$6,119 GHS 66.1K

Average Monthly Net Salary (After Tax)

$457 GHS 4,941

20-Year Fixed Mortgage Interest Rate (Annual %)

32.5

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

Last update: March 10, 2026

Tema Median Internet Speeds (Updated December 2025)

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.