Cost of Living in Ghana 2026 — Rent, Food, Tax & BudgetAll figures are shown in EUR for comparability. The local currency of Ghana is the Ghanaian cedi (GHS).
Monthly Living Costs in Ghana
Average prices from our cost dataset, re-checked on a rolling basis:
1BR Rent
per month, city average
3BR Rent
per month, city average
Groceries
per month, single person
Transport
per month, public transit pass
Utilities
per month, basic apartment
Meal Out
typical price per meal
Monthly budget (single person): €458 (1-bedroom rent + groceries + transport + utilities)
Monthly budget (couple): €571 (shared 1-bedroom rent, two of everything else)
These are national averages — actual costs vary by city and lifestyle.
How Expensive Is Ghana Overall?
| Indicator | Value |
|---|---|
| Cost-of-living index (market data; higher = more expensive) | 40.9 |
| Rent index | 10.9 |
| Groceries index | 37 |
| Restaurant price index | 35.2 |
| Local purchasing-power index (higher = stronger) | 18.1 |
| Price level index (World Bank, 2024; US = 100) | 29.8 |
| Property price-to-income ratio | 54.6 |
Salaries by Sector
Typical gross annual salaries in Ghana from our sector dataset:
| Sector | Typical gross annual (EUR) |
|---|---|
| IT & Software | €12,000 |
| Finance | €6,500 |
| Engineering | €6,000 |
| Healthcare | €4,000 |
| Construction | €4,000 |
| Education | €3,000 |
| Hospitality | €2,500 |
| Retail | €2,000 |
Taxes in Ghana
Headline tax figures that shape your take-home pay:
| Tax | Rate / amount |
|---|---|
| Effective income tax at €90k gross | 12.3% |
| Net monthly pay at €90k gross | €5,850 |
| VAT / sales tax | 15% |
| Top personal income-tax rate | 35% |
Worked example: on a €90,000 gross salary, net pay is about €5,850 per month. After rent and essentials (€458), roughly €5,392 per month is left for savings and discretionary spending.
How Ghana Compares to Its Neighbours
| Country | 1BR Rent | Groceries | Transport | Cost index |
|---|---|---|---|---|
| Ghana | €280 | €95 | €18 | 40.9 |
| Burkina Faso | €180 | €95 | €18 | 34.2 |
| Ivory Coast | €180 | €45 | €25 | 40.5 |
| Togo | €280 | €95 | €25 | 38.7 |
Quality of Life Metrics
Beyond cost, these factors shape everyday life in Ghana:
Safety index
Healthcare index
Internet speed
English proficiency
Life expectancy
Expat satisfaction
What It Costs to Get In: Visas & Residence
We track 12 residence and visa routes for Ghana — see the full Ghana visa programme list.
Our engine estimates a minimum financial viability of €458 per month to sustain a move to Ghana.
Frequently Asked Questions
Is Ghana expensive?
Ghana has a cost-of-living index of 40.9 (higher = more expensive). A 1-bedroom apartment averages €280 per month and a single person spends about €458 per month on rent plus essentials.
How much money do I need per month in Ghana?
About €458 per month covers rent and essentials for a single person (1-bedroom rent + groceries + transport + utilities). A couple sharing a 1-bedroom apartment needs about €571 per month.
What is the average rent in Ghana?
A 1-bedroom apartment averages €280 per month and a 3-bedroom apartment averages €420 per month in Ghana. Prices vary significantly between city centres and smaller towns.
What do people earn in Ghana?
Typical gross annual salaries in Ghana range from €2,000 (Retail) to €12,000 (IT & Software), based on our sector dataset.
Ready for the next step? See the full Ghana country profile and the Ghana emigration guide.
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