How Much Does It Cost to Live In Ghana?

Ghana is probably one of the countries that come up to your mind when you think about South Africa.

In recent years, Ghana has become a popular tourist destination.

It has a high level of hospitality and natural heritage.

This country is fairly safe to live in, but the level of life is very low and unstable.

Most of the citizens work in agriculture growing cereals, livestock or producing cocoa.

There is an Internet connection but most of the villagers do not even have the phones.

Interestingly, Ghana is a Christianized country which makes it different from the rest of the South African countries.

Cost of Living Index:

Ghana : Cost of Living by City



The best restaurants in Ghana can be found in large cities like Aссra.

A great variety of foods is served in the restaurants that are located in the hotels or in the popular tourist districts.

Most of the restaurants in Ghana offer international cuisines, while the less popular eateries offer classical meals.

Of course, you can have hamburgers, pizza, and fast food.



Many tourists call Ghana a huge market with a few houses where people live.

The cities and villages have central markets which are very colorful and noisy.

They sell avocado, bananas, apples, plums, pineapples at very low prices.

You will not see the stalls or logical rows there, just boxes and dishes full of products for sale.



Ghana has 12 airports but the air connection is ill-developed.

The greatest popularity is given to minibusses and bush-taxis.

The buses are always full and you can smoke on the bus, so this means of transport is not so convenient for some categories of people.

Not all of the cities in Ghana have motorways so lorries are used to drive off the beaten path.



Monthly utility bills for electricity, water, cooling, and garbage seem too low to a European citizen with an average salary of a few thousand dollars.

In Ghana, this sum of money of $77.56 is high.

Mobile phones are not so rare here, and the price is $0.04 per minute for about two million subscribers.

The Internet is fast in hotels and private Internet cafes.

Sports and leisure


The passion for football runs in the blood of every small and young boy in Ghana.

This love goes far beyond the ages and cultures.

Golf clubs, horse riding, polo, and rugby clubs are also open for tourists in the large cities.

The other sports are surfing, swimming, aerobics, cycling, and yachting.

Clothing and shoes


Ghana is well-known for gold, diamonds, oil and wood producers.

You can go shopping in the largest online store here or visit one of the chain stores like Kiki or Zara.

You should expect to find the best African style fabrics there so you will start wearing colorful clothes with floral motives and multicolored shoes.

Rent per month


The apartments in Ghana are mostly rented by tourists or business travelers.

The prices are absolutely stunning if compared to the minimum wage and the average salary that local Ghana residents receive monthly.

The apartments are fully furnished and ready to get settled down.

Cost of Living Averages Table for Ghana

Average Restaurant Prices
Meal (Inexpensive Restaurant) $3.58
Domestic Beer (0.5 Liter) $0.99
Water (0.33 Liter) $0.44
Average Market Prices
Milk (1 Liter) $1.78
Loaf Bread (500g) $0.89
Eggs (12) $1.90
Average Transport Prices
One Way Ticket $0.54
Monthly Pass $111.43
Gasoline $0.88
Average Utilities Prices
Basic (Water, Electricity, Garbage, Heating, Cooling) $77.56
1 min. of Prepaid Mobile Tariff Local $0.04
Internet (Unlimited Data, Cable/ADSL) $48.57
Average Leisure Prices
Fitness Club, Monthly Fee for 1 Adult $47.51
Tennis Court Rent (1 Hour) $6.57
Cinema, 1 Seat, International Release $5.38
Average Clothing Prices
1 Pair of Jeans (Levis 501 Or Comparable) $41.89
1 Summer Dress in a Chain Store (Zara, etc...) $28.38
1 Pair of Adidas Walking Shoes (Mid-Range) $55.08
Average Rent Prices
Apartment (1 bedroom) in City Center $970.17
Apartment (1 bedroom) Outside of Center $153.83
Apartment (3 bedrooms) in City Center $2339.74

How Does the Average Person Spend Their Money in Ghana?

An average person in Ghana spends most of his or her income on monthly rent.

The landlords increase prices for accommodation due to the number of visitors that come to do business in Ghana or come here as tourists.

As much as 37.3% of the money is spent on monthly rent but most of the natives here cannot afford to connect to the Internet or buy a mobile phone.

The telephone system in Ghana is old-fashioned and most of the hotels have international telephone lines, while large banks and offices use telephones for calls inside the country.

People spend 4% more on transportation than they do in the restaurants.

The percentage of money spent on leisure and sports is very low, not to mention clothing and shoes.


Ghana: Average Salary, Minimum Wage & Mortgages

The minimum wage set in the country was officially fixed at the level of $75.1.

It highly depends on the region and city, but in general, the salaries are very low.

People work in the agricultural sector where salaries are not too high.

An average salary after tax is $312.36 per month which surely is not enough to meet everyday needs for communication, housing, clothing, and entertainment.

The mortgage interest rate seems impossible if you compare it to any of the European countries like Germany, France or Switzerland.

The yearly interest rate in percentages makes 28.00%.

Average Salary$312.36
Minimum Wage$75.1
Mortgage Interest Rate28.00%

Cost of Living by City in Ghana

City Cost of Living Index
Accra 57.23

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