Accra is a vibrant and diverse city with a rich culture and history. Ghana is one of the most sought after destinations by expats and tourists. They visit Ghana for different reasons, but there's no question that this beautiful country is an amazing place to live. You can find many things in Ghana that you can't find anywhere else in the world.
However, the cost of living in Ghana is higher than new arrivals may expect. Accra, Ghana’s capital city, is particularly expensive for expats to live in due to the cost of maintaining an expat lifestyle in the city. Recent immigration trends have intensified demand and pushed prices higher across the capital.
If you are thinking about moving to Accra, cost of living in probably a key consideration. When you are considering a move to Ghana, it’s important to know that the cost of living is much lower than what you would find in North America. But that doesn’t mean that there isn’t anything to prepare for. The cost of living by category is just one way to help you plan for your move. However, when all is said and done, if you are moving to Ghana with the right expectations - knowing what to expect before you arrive - the cost of living shouldn’t be one of them.
Let's delve into the specifics to give you a clearer picture.
Accommodation Costs
Accommodation in Ghana is particularly pricey and will take up most of an expat’s budget. As the country develops and more international companies set up offices in the Ghanaian capital of Accra, the foreign population is rapidly growing. The demand for accommodation is high, and there is a short supply of quality and secure housing, pushing up prices.
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The cost of housing in Accra varies depending on the area and type of housing. Generally, housing in Accra is more expensive than in other parts of the country, with prices ranging from moderately priced apartments to luxury villas. Renting a one-bedroom apartment in a central area of Accra can cost anywhere from $400 to $1,000 per month, while a three-bedroom apartment can cost up to $2,000 per month.
We asked expats how they chose their neighborhood and found a place to live. One way to find a place to live in Accra is to search online for rental listings. You can also ask friends and family who live in Accra for recommendations.
Expat homes and apartments in Accra typically feature modern amenities and are often located in secure, gated communities. Many expat homes and apartments come with air conditioning, swimming pools, and other luxuries. Expats can also find homes and apartments with balconies, terraces, and gardens, providing a great outdoor space to relax and enjoy the warm climate.
Transportation Costs
Most modes of public transport in Ghana, including trains, buses and tro-tros (informal minibus taxis), can be erratic and unreliable. For this reason, most expats living in Ghana opt to drive or hire a driver to transport them daily. Compared to rental prices, the cost of purchasing a reliable car is fairly high, and petrol prices are constantly fluctuating. That said, these costs are still relatively low compared to other countries.
There are various ways to get around, including taxis, buses, and tro-tros. Taxis are the most expensive option and a one-way ride will cost you around $5. If you're looking for a more affordable transportation option then I recommend using a bus or tro-tro, as they're around $1-$2 per ride.
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Grocery Costs
Grocery shopping in Ghana is different from other places. Local markets are filled with fresh produce and spices alongside various local products. While staple items like rice and vegetables are generally affordable, imported goods can be significantly pricier. Ghana imports over half its food supply, and rising prices have directly affected expats in search of familiar products. Another thing to note is the price difference depending on where you shop.
City supermarkets might have prices on par with what you would expect in major cities across Europe or the US. Local markets, especially in less urbanised areas, can be much cheaper. Managing your grocery budget in Ghana means balancing local and imported items, and being open to trying local flavours and cuisines.
The cost of groceries in Ghana is also expensive. This can be difficult for people from other countries who are used to eating more affordable, traditional food. A bag of rice that might cost $2 in the United States might cost $8-$10 in Ghana. The average monthly cost for groceries is around $25-$50.
Walking & shopping in this market in Accra, Ghana|How you can bargain for everything here!
Entertainment and Eating Out
There are diverse entertainment options in Ghana, from local festivals to contemporary music scenes. While a local night out with music and local brews can be very pocket-friendly, more Westernised entertainment options, like upscale clubs or bars, might feel more like a night out in Sydney or Amsterdam in terms of cost. The culinary scene in Ghana is varied. Street food, a staple for many locals, offers delicious and reasonably priced dishes.
However, dining at upscale restaurants, especially those offering international cuisines, can cost as much as a meal in a mid-range restaurant in European cities or the US. Drinks, especially imported ones, can add to the bill. If you're looking to have a good time while living in Ghana, you'll need to budget around 5,000 cedis (1 USD = 6.75 cedis) per night for entertainment. This is the cost of going to a club or bar for the evening. You can also spend about 3,500 cedis for dinner and drinks with friends at a restaurant.
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Education Costs
Education in Ghana varies significantly in terms of cost and quality. While English is the medium of education at Ghanaian public schools, most foreigners prefer to send their children to an international school. However, these schools have a price tag reminiscent of private education in their home countries.
For parents concerned about the cost, you’ll want to evaluate the overall package offered by international schools. Many provide state-of-the-art facilities and a globally recognised curriculum. If you’re relocating for work, see if educational allowances can be negotiated into your employment contract, as this can significantly offset the expense.
Accra is home to a number of excellent international and bilingual schools. The American International School of Accra (AISA) is a top-tier international school offering a rigorous American-style curriculum. AISA is accredited by the Middle States Association of Colleges and Schools and offers a wide range of extracurricular activities. The French International School of Accra (FISA) is a bilingual school offering a French-style curriculum. FISA is accredited by the French Ministry of Education and provides a comprehensive education in both French and English. The International Community School of Accra (ICSA) is a private, non-profit school offering an international curriculum. ICSA is accredited by the Council of International Schools and provides a wide range of extracurricular activities. Finally, the Ghana International School (GIS) is a private, co-educational school offering an international curriculum.
Healthcare Costs
The cost of public healthcare in Ghana is low, but the quality of treatment offered by public hospitals in Ghana is unlikely to meet the standard you may be accustomed to. Private healthcare in Ghana is often the best option for expats. Your health insurance policy should cover you for emergencies or medical evacuation outside of Ghana. The cost of private health insurance will depend on your age and health status, with many policies including medical evacuation as a standard or optional module.
We advise that those moving to Ghana for work should try to negotiate some kind of allowance towards the cost of health insurance into their employment contracts.
Healthcare and health insurance in Accra, can be considered expensive, especially for the average citizen. The cost of healthcare services and insurance premiums are often high in relation to the average income of the population. Additionally, the quality of healthcare services may vary, with private hospitals and clinics generally offering better services at a higher cost compared to public facilities.
Medical services in Accra, are a mix of public and private healthcare facilities, including hospitals, clinics, and pharmacies. The public healthcare system is often overcrowded and under-resourced, leading to long waiting times and limited availability of specialized treatments. Private healthcare facilities, on the other hand, offer better quality services and shorter waiting times but can be expensive for the average citizen. There is a growing number of well-trained medical professionals in the city, but access to advanced medical equipment and specialized care is still limited. Additionally, while basic healthcare services are available, patients with complex medical conditions may need to seek treatment abroad.
Additional Expenses
In addition to daily expenses, there are other expenses that you'll need to account for. For example, if you're moving to Ghana or just visiting for a short period of time, then you may want to purchase an international cell phone plan (Ghana's dialing code is 00233), as well as a SIM card if your phone isn't unlocked. If you plan on staying in Ghana for more than three months, then you will need to apply for a tax identification number and carry it with you at all times. You may also want to rent or purchase furniture before arriving in Ghana depending on how long your stay is anticipated to be.
Additionally, many people take out loans in Ghana because banks are not easy to find--especially outside of major cities like Accra and Kumasi. Residents mostly use the mobile banking app called Airtel Money or MTN Mobile Money which can be used anywhere even without internet service.
Cost of Living in Accra Chart
Prices are listed in Ghanaian cedis (GHS) and may vary depending on the product and service provider.
| Item | Approximate Cost (GHS) | Equivalent (USD) |
|---|---|---|
| Groceries (monthly) | Varies widely | $25 - $50 |
| Public Transportation (per ride) | Varies | $1 - $2 |
| Entertainment (clubbing) | Varies | $3 - $5 |
General Advice for Expats
Understand that it costs more to live in Ghana than most other countries in the world. Most daily expenses are between 500 - 1,000 cedi (or $100-$200 US) per month. For example, if your rent is $500/month, then you can expect to spend about $30-$50/week on groceries. If you don't have a car then gas will be about $250-$300/month for public transit or taxis. Your monthly expenses will depend on your housing situation (whether you rent or own), whether or not you have a car, and how much electricity and water you use.
Accra is a great place to retire for expats looking for a warm climate and a vibrant culture. Before retiring in Accra, expats should research the cost of living and the availability of healthcare services. It is also important to familiarize yourself with the local laws and customs, as well as the language. Additionally, expats should consider the safety of the area and the availability of transportation.
When moving to Accra, it is important to pack items that will help you adjust to the climate and culture. Pack lightweight, breathable clothing that is appropriate for the hot and humid climate. Bring a few items of clothing that can be layered for cooler evenings. Make sure to bring a good pair of walking shoes, as well as a hat and sunglasses to protect you from the sun. Bring any necessary medications, as well as a first aid kit. Don't forget to pack any important documents, such as your passport and visa.
When looking for housing in Accra, it is important to research the different areas of the city to ensure that you live in a safe and secure neighbourhood. Before signing a rental agreement, make sure to thoroughly inspect the property to ensure it meets your standards. Additionally, it can be beneficial to enlist the help of a professional real estate agent to help you make decisions throughout the rental process. It is also vital to factor in your budget and what kind of amenities you may need or desire in your housing.
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