Living in Ghana as an Expat: Top Cities Beyond Accra

Living in Ghana as an expat opens doors to career growth, cultural exploration, and affordable living, especially outside the capital city of Accra. In the subsequent sections, we take a closer look at each city’s unique advantages to help you decide where your Ghanaian journey should begin.

Key Takeaways

Relocating to Ghana often brings Accra to mind as the default destination, but the country’s evolving regional landscapes are unlocking fresh possibilities for expats seeking more than the bustling energy of the capital. Whether it’s affordability, career alignment, cultural depth, or a quieter lifestyle, Ghana’s diverse cities cater to a wide range of needs. Here’s a snapshot of what awaits:

• Takoradi: The oil and gas hub driving growth: Known for its thriving energy sector, Takoradi attracts professionals with lucrative opportunities in the oil and gas industries, underpinned by significant infrastructure development.
• Kumasi: Tradition infused with modernity: Nicknamed the “cultural capital” of Ghana, Kumasi offers a harmonious blend of rich Ashanti heritage and urban conveniences, perfect for immersing oneself in history without missing modern amenities.
• Cape Coast: A mix of heritage and relaxation: With its historic landmarks and serene beaches, the city affords an affordable, relaxed lifestyle that appeals to retirees, families, and digital nomads alike.
• Tamale: Northern Ghana’s agricultural hub: As a growing center for agriculture and community development, Tamale offers career opportunities in related industries alongside a chance to experience the vibrant culture of northern Ghana.
• Prampram: Coastal serenity within reach of Accra: Ideal for families and retirees, Prampram offers affordable, tranquil coastal living while retaining access to Accra’s urban conveniences, thanks to its proximity.
• Cost of living varies by region: Housing, food, and general living expenses are significantly lower in cities like Kumasi, Cape Coast, and Tamale compared to Accra, making them attractive options for budget-conscious expats.
• Infrastructure on the rise: Improvements in roads, hospitals, and education in regional cities are making them increasingly viable alternatives, closing the development gap between Accra and Ghana’s secondary cities.
• Expats diversifying their choices: Many expats are now seeking opportunities outside Accra, choosing regional cities that align with their professional and personal priorities, signaling a broader shift in relocation patterns.

Introduction

For expats relocating to Ghana, Accra has long been the top choice, known for its vibrant energy and wealth of amenities. But what if the capital isn’t the only answer? Ghana’s secondary cities are stepping onto the stage, offering not just alternatives but destinations in their own right—places where personal and professional aspirations merge, free from Accra’s rising costs or congestion.

Take Takoradi, Ghana’s energy epicenter, or Cape Coast, with its laid-back beachfront appeal, as examples of the country’s growing regional diversity. Whether your priority is career advancement, family-friendly environments, or cultural immersion, there are destinations beyond Accra tailored to fit your needs.

Let’s explore why more expats are thinking beyond Accra and discuss how these emerging hubs can be the ideal backdrop for your new future in Ghana.

Why Consider Living Beyond Accra?

Living in Accra has undeniable advantages, from a vibrant economy to modern infrastructure. However, the city’s steep housing costs, daily congestion, and fast-paced lifestyle aren’t for everyone. As a result, more expats are looking to regional cities for their relocation or investment needs, seeking affordability, unique community structures, and opportunities to thrive in less saturated environments.

For example, Takoradi’s booming energy sector has positioned it as a magnet for professionals in the oil and gas industries. Kumasi combines the richness of Ashanti culture with urban modernization, making it a cultural and commercial powerhouse. Meanwhile, Cape Coast offers peace of mind for retirees or families drawn to its affordable beachfront lifestyle. With its focus on agriculture and development, Tamale caters to professionals seeking hands-on opportunities. Finally, Prampram offers coastal tranquility without sacrificing accessibility to the capital.

Beyond lower costs, these cities offer expats opportunities to engage deeply with Ghanaian culture, establish roots, or leverage untapped professional niches in growing industries. Moving beyond Accra isn’t just a cost-saving tactic; it’s a chance to rethink your priorities and find a lifestyle that’s truly in harmony with your aspirations.

Now, let’s break down the financial benefits, starting with how living outside Accra compares costs.

Comparing the Cost of Living Between Accra and Other Regions

Housing

In Accra, central neighborhoods like East Legon command monthly rentals for two-bedroom apartments ranging from $500 to $1,500. Over in Takoradi, that same budget could secure a modern three-bedroom house, while in Cape Coast, it might stretch to a beachfront bungalow. Tamale takes affordability a step further, with monthly rents between $300 and $700 for spacious homes, making it an ideal choice for those watching their expenses.

Utilities and Services

Utility bills, especially for electricity, remain high across the board, but cities like Cape Coast and Prampram—benefiting from cooler coastal climates—reduce reliance on air conditioning, thereby cutting energy costs. Transportation, too, is notably more affordable in smaller cities, where shorter distances and less congestion translate to lower fuel expenses and a smoother daily commute.

Food and Dining

While Accra is lauded for its culinary diversity, regional cities make up for this with affordable access to fresh, locally sourced produce. Markets in Kumasi sell fruits and vegetables at 30-40% lower prices than those in the capital. Dining out in secondary cities is also easier on the wallet, with appetizing local dishes costing GHS 20 in Tamale instead of GHS 50 in Accra.

Cumulatively, expats living outside Accra often save 30-50% on monthly expenses compared to their counterparts in the capital. This financial breathing room is further complemented by ongoing improvements in infrastructure hardwired to increase the appeal of regional cities.

Infrastructure Improvements Across Ghana’s Regions

Regional cities in Ghana are increasingly benefiting from government investments designed to bring development beyond Accra, ensuring that essential services and facilities are available nationwide. Key highlights include:

• Road and Transportation: Upgrades to highways, like the expansion of the Eastern Corridor Road, have improved connectivity between southern and northern regions. For instance, travel times to areas like Tamale have been dramatically cut, boosting regional economic activity.
• Healthcare: With facilities like the Kumasi-based Komfo Anokye Teaching Hospital providing advanced care, expats in regional cities can access high-quality medical services closer to home.
• Education: Many regional hubs now feature international-standard schools. Prampram, for example, boasts respected institutions that make relocation with children feasible and stress-free.

With these advancements closing the accessibility and service gap, Ghana’s regional cities are becoming increasingly desirable for expats wanting modern amenities without the intensity of Accra. Next, let’s look at what makes five of these cities stand out.

Spotlight Regional Cities

Takoradi: Opportunities in Oil and Gas

Known as Ghana’s oil city, Takoradi is a hub of economic activity in the energy sector. Its development is anchored by growing investment in infrastructure, particularly through the Port of Takoradi, which drives regional economic growth. Expats moving here enjoy ample networking opportunities while relishing the city’s blend of dynamic industry and scenic beaches like Busua.

Kumasi: Cultural and Commercial Excellence

Kumasi, the seat of Ashanti culture, offers expats a deep connection to Ghanaian heritage alongside modern conveniences like shopping malls and business opportunities in manufacturing or agriculture. The juxtaposition of bustling markets and serene cultural landmarks makes it a dynamic choice for residents who value tradition and progress.

Cape Coast: Historical Peace and Coastal Charm

Cape Coast’s laid-back pace and affordable housing appeal to retirees and professionals seeking tranquility. Its colonial landmarks draw global attention, and its proximity to Accra—just a short drive away—makes it a practical base for expats who still desire occasional access to the capital’s amenities.

Tamale: Tapping Into Northern Potential

Tamale is increasingly attractive for expats working in agriculture, NGOs, or eco-tourism. The addition of the Tamale International Airport facilitates seamless travel, while the city welcomes newcomers with warm local hospitality and meaningful opportunities to make a social impact.

Prampram: Coastal Calm Close to the Capital

Nestled along picturesque coastlines, Prampram provides a tranquil lifestyle that’s still within arm’s reach of Accra. Its gated communities, convenient schools, and emerging tourist infrastructure make it a particularly appealing choice for families seeking a balance between serenity and connectivity.

Key Considerations for Relocating to Ghana

Deciding where to move in Ghana requires aligning your personal and professional goals with the unique offerings of each region. Consider these factors:

• Career Opportunities:  Cities like Takoradi and Tamale cater to specific industries, from energy to agriculture. However, finding formal employment in Ghana can be extremely difficult for expatriates due to work permit restrictions and a limited job market. It’s strongly advised to arrive with a secured job offer or be prepared to create opportunities through entrepreneurship or remote work.
• Preferred Lifestyle: Laid-back Cape Coast contrasts Kumasi’s vibrant urban atmosphere, allowing you to align your choice with your priorities.
• Climate Compatibility: Southern cities like Prampram offer coastal breezes, while drier climates prevail in Tamale.
• Connectivity: Cities with expat networks, such as Takoradi or Kumasi, can make transitions smoother for newcomers.

Conclusion

Looking past Accra reveals a Ghana brimming with untapped potential in cities where affordability, career growth, and cultural depth intersect. Across Takoradi, Kumasi, Cape Coast, Tamale, and Prampram, expats can discover vibrant communities, improved infrastructure, and distinctive lifestyles tailored to diverse preferences. Whether you’re retiring, starting a business, or seeking adventure, living in Ghana as an expat in cities beyond Accra can offer a life aligned with your values.

By choosing a region that reflects your aspirations, you’ll enjoy a cost-effective move and a meaningful and fulfilling chapter in one of Africa’s most diverse countries. Ghana’s emerging cities are more than alternatives—they’re paths to redefine your life. Let them welcome you home.