Tema, Ghana
Ghana's largest seaport and industrial city, a planned city built around the Tema Harbour and oil refinery.
Below Average vs Ghana Avg (100)
Affordable
Household income
Job market health
Tema vs Ghana Average
Taxes
- State Income Tax: 5.0%
- Sales Tax: 12.5%
Economy & Jobs
- Median Income: ₵ 34,000
- Unemployment: 5.0%
- Population: 400,000
Climate
- Sunny Days: 280/year
- Summer High: 88°F
- Winter Low: 75°F
- Farming Zone: USDA Zone 8a
Housing
- Median Home: ₵400,000
- 1BR Rent: ₵1800/mo
Cost of Living
Tema's cost of living index is 95 (Ghana average = 100).
| Category | Tema | National Average | Difference |
|---|---|---|---|
| Overall | 95 | 100 | -5.0% |
| Housing | 100 | 100 | 0.0% |
Data source: Council for Community and Economic Research (C2ER), 2026
Housing Market
| Metric | Value |
|---|---|
| Median Home Price | ₵400,000 |
| Median Rent (1BR) | ₵1800/mo |
| Median Rent (2BR) | ₵2,250/mo |
| Price per Sq Ft | ₵266 |
Data source: Zillow Research, 2026
True Cost of Home Ownership
Utilities
Estimated monthly utility costs for a typical household in Tema:
| Utility | Estimated Monthly Cost | Notes |
|---|---|---|
| Electricity | ₵200 | |
| Heating & Cooling | N/A | Estimated based on local climate. |
| Cooling (AC) | ₵83 | Estimated based on local climate and electricity rates |
| Water | ₵80 | Includes sewer |
| Internet (100+ Mbps) | ₵200 | Broadband average |
| Garbage / Trash | Included in taxes | Municipal service (covered by property taxes) |
| Total Utilities | ₵563 | Monthly estimate (including heating & cooling) |
Data sources: U.S. Energy Information Administration (EIA) 2024, EPA/AWWA water rate surveys, BroadbandNow
Remote Work Score
Tema scores —/100 for remote work readiness:
Climate
Tema has a varied climate with distinct seasons.
| Month | Avg High | Avg Low | Rainfall |
|---|---|---|---|
| January | 95°F | 75°F | 2.5" |
| April | 73°F | 90°F | 2.8" |
| July | 88°F | 63°F | 1.5" |
| October | 68°F | 93°F | 2.2" |
Warm — citrus, avocados, tomatoes, peppers
Natural Hazards
Tema faces the following natural hazards:
Extreme summer heat.
Moderate seismic activity with occasional earthquakes.
River and coastal flooding.
Periodic drought conditions.
Based on historical records and geographic risk assessment.
Taxes
- State Income Tax: 5%
- Sales Tax: 12.5%
- Property Tax: ~0.2% of assessed value
Economy & Jobs
Major industries include technology, healthcare, education, and manufacturing. The unemployment rate is 5.0%.
Crime & Safety
Crime rates in Tema per 100,000 residents:
City-level crime data is not available for this location. The figure shown is the national average, which may differ significantly from actual conditions in this city.
Data source: UN Office on Drugs and Crime
Schools & Education
Academic Schedule
Christmas break is the longest holiday.
Important Disclaimer: All data on this page is for informational purposes only and does not constitute financial, legal, tax, or real estate advice. URCity and Northshore Press are not financial advisors, tax professionals, or real estate agents. Always consult qualified professionals before making relocation or financial decisions.
Frequently Asked Questions
What is the cost of living in Tema, Ghana?
The cost of living index in Tema is 95, which is Lower the Ghana national average of 100.
How much does it cost to buy a home in Tema?
The median home price in Tema is ₵400,000. The housing index is 100.
What is the average rent for a 1-bedroom apartment?
The average rent for a 1-bedroom apartment in Tema is approximately ₵1800/mo.
Does Tema, AA have income tax?
Tema is in AA, which has an income tax rate of 5%.
What is the climate like in Tema?
Tema enjoys approximately 280 sunny days per year. Summer highs reach around 88°F, while winter lows can drop to around 75°F.
Data Sources
- Cost of Living: Council for Community and Economic Research (C2ER), 2026
- Housing Data: Zillow Research, 2026
- Income & Employment: US Census Bureau American Community Survey, 2024
- Utilities U.S. Energy Information Administration (EIA) 2024, EPA/AWWA water rate surveys, BroadbandNow
Data last updated: August 12, 2026. Data may not reflect current market conditions. Always verify with local sources before making relocation decisions.