Navigating Ghana’s cost of living requires understanding key local practices and expenses. This is crucial for creating a realistic roadmap that sets you up for success. In the sections below, we’ll explore these unique aspects further.

Key Takeaways

Understanding the cost of living in Ghana is a critical step for expatriates and diaspora members planning to relocate. With unique rental norms, diverse living expenses, and city-specific cost variations, thorough financial planning is essential to avoid surprises. Below are the highlights to guide your preparations effectively:

• Upfront rental payments require advanced planning: In Ghana, tenants often pay 1-2 years’ rent upfront, which can be a major financial hurdle for those unfamiliar with this norm.
• City-specific rental costs vary widely: Accra has the highest rental prices, whereas more affordable options can be found in cities like Kumasi, Takoradi, and Tamale.
• Grocery costs depend on local vs. imported goods: While locally produced staples remain budget-friendly, imported goods can significantly raise your grocery expenses due to tariffs and demand.
• Monthly living expenses are flexible: Depending on location, family size, and lifestyle, expat budgets range between 15,000 and 38,500 cedis per month for rent, utilities, food, and transportation.
• Utility costs can add up quickly: Electricity bills, often prepaid, tend to be high given the grid challenges, and water prices also vary by consumption.
• Local dining is affordable and flavorful: Street food and local Ghanaian cuisine offer great value, while international or Western dining establishments will increase your dining budget.
• Transportation is reasonably priced. Shared minibuses (trotros) and ride-hailing services like Bolt are economical options, while private car ownership introduces higher upfront and ongoing costs.
• Healthcare and private schooling are essential for expat families: Many expatriates prioritize international health insurance and private education, as local public options may not meet their needs.
• Strategic planning is key for affordability: While many living costs are lower compared to Western countries, upfront rental payments, utility fees, and imported goods require careful budgeting.

Introduction

Ghana is an increasingly popular destination among expatriates and members of the African diaspora. It offers a blend of modern living, rich culture, and economic opportunities. Yet, Ghana’s financial quirks can be surprising and challenging for newcomers unfamiliar with its unique cost of living.

Preparing for the financial realities of life in Ghana is essential, from upfront rental payments spanning a year or more to the seasonal costs of groceries. Whether you’re looking to settle in Accra, a bustling cosmopolitan hub, or considering a quieter and more affordable city like Kumasi, understanding the cost dynamics will ensure your financial plans remain intact.

This guide will unpack crucial considerations such as rental norms, grocery prices, transportation options, and budget templates, enabling you to make informed decisions and avoid unexpected pitfalls.

Cost of Living in Ghana 2025: What to Expect Before You Move

Rent Prices in Ghana: Insights for Expats

Renting a property in Ghana operates differently compared to many other countries. One of the standout practices is the upfront rental payments, often spanning 1-2 years, which can surprise newcomers.

Average Rent Prices in Ghana for 2025

• Accra:
  As the economic heart of Ghana, Accra commands the highest rental prices. Prime neighborhoods such as Cantonments, Osu, and East Legon see:

• 1-Bedroom Apartment: GHS 6,000–9,000 monthly ($500–$750 USD).

• 3-Bedroom Apartment: GHS 15,000–24,000 monthly ($1,250–$2,000 USD).

• Due to upfront payment requirements, securing a 3-bedroom unit for two years may cost GHS 180,000–288,000 ($15,000–$24,000 USD).

• Secondary Cities:
  Affordability improves greatly in cities like Kumasi, Takoradi, and Tamale:

• 1-Bedroom Apartment in Kumasi: GHS 2,500–3,500 monthly ($200–$300 USD).

• 3-Bedroom Apartment in Kumasi: GHS 7,500–10,000 monthly ($625–$833 USD).
  Despite nationwide upfront payment practices, total amounts required in these cities are much lower than in Accra.

Tips for Expats Managing Ghana’s Rental Practices

• Negotiate Payment Terms: Some landlords may agree to shorter lease payment periods with respectful negotiation, particularly in suburban and less competitive areas.
• Consider Co-Living: Families or groups may find shared rentals in suburbs like Kasoa or Oyarifa more economical.
• Hire Certified Agents: Using a reputable real estate agent avoids scams and ensures you meet legal requirements—plan for agent fees (typically 10% of the overall rent).

Grocery and Food Costs in Ghana

Food expenses in Ghana can vary significantly depending on whether you rely on local produce or imported goods. Many expatriates choose to strike a balance, favoring locally sourced foods because they are affordable.

Cost Breakdown of Common Grocery Items

• Local Staples (Budget-Friendly):
• 5 kg local rice: GHS 70–80 ($5–$5.50 USD)
• Plantains (per bunch): GHS 40–60 ($2.60–$3.90 USD)
• Tomatoes (per kg): GHS 20–25 ($1.30–$1.62 USD)
• Cassava (5 kg): GHS 25–30 ($1.60–$2.00 USD)

Shopping at open markets, such as Accra’s Kaneshie Market or Kumasi’s Kejetia Market, provides the freshest and often cheapest produce options.

• Imported Goods (Costly):
• 1-liter fresh milk: GHS 30–40 ($1.95–$2.60 USD)
• Imported cereal: GHS 50–70 ($3.25–$4.55 USD)
• Pasta (500g pack): GHS 35–50 ($2.27–$3.25 USD)

High import taxes drive up the prices of imported products, making them a significant expenditure for expats who prefer international grocery brands.

Cost-Saving Tips for Food Expenses

• Shop Locally: Reducing reliance on imported items helps control monthly grocery costs while supporting Ghanaian agricultural producers.
• Leverage Wholesale Prices: Grocery chains like Shoprite and Melcom offer discounts on bulk purchases, which are ideal for families or long-term budgeting.

Monthly Budget for Expats in Ghana

Living expenses in Ghana vary depending on your lifestyle and location. Below is an example monthly breakdown for common costs in 2025:

• Accommodation: GHS 3,500–9,000 ($227–$585 USD) for a 1-bedroom, or GHS 7,500–24,000 ($487–$1,560 USD) for a 3-bedroom.
• Utilities: Electricity and water combined average GHS 460–700 monthly ($30–$45 USD). Prepaid electricity can be particularly costly if overused.
• Transportation: A daily commute via trotros costs GHS 10–20 ($0.65–$1.30 USD). Ride-hailing trips like Bolt range between GHS 25–50 ($1.62–$3.25 USD).
• Food: Groceries cost GHS 1,000–2,500 ($65–$162 USD) monthly, but you can save significantly on them if you opt for local rather than imported ingredients.
• Internet: Reliable internet costs GHS 300–450 ($20–$30 USD) monthly.

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Conclusion

Moving to Ghana opens the door to cultural enrichment and growth, but financial preparedness is your strongest ally. Thoroughly understanding living expenses—from upfront rental payments to saving on local grocery costs—ensures a smooth transition. As you plan your move, take the time to establish a clear budget, embrace Ghana’s unique cost practices, and remain adaptable. The vibrant lifestyle awaiting you in Ghana is well worth the effort, but success lies in the details. Start planning today for a seamless experience!