At a Glance
Cost of Living
moderate
Safety
moderate
English Level
high
Climate
Tropical - Hot and humid year-round, rainy season April-October
Essentials
Cost of Living
Ghana offers moderate cost of living, significantly lower than Western countries but higher than some African neighbors. Accra is the most expensive city. Budget $1,500-3,000/month for comfortable expat lifestyle.
Healthcare
Healthcare quality is variable in Ghana. Public hospitals are overcrowded and underfunded. Private facilities offer better care meeting international standards. Expats should secure comprehensive health insurance including medical evacuation.
Banking
Ghana Card (national ID) now mandatory for all bank transactions as of 2026. Mobile money (MoMo) is ubiquitous and essential for daily life. Opening a bank account requires residence permit for foreigners.
Housing
Expect to pay 1-2 years rent in advance - a major upfront cost in Ghana. Popular expat neighborhoods in Accra include East Legon, Airport Residential, and Cantonments. Housing quality varies significantly.
Lifestyle
Remote Work
Ghana has no digital nomad visa but welcomes remote workers. Internet infrastructure is improving with fiber available in major cities. Coworking spaces growing in Accra. Reliable power backup essential.
Language
English is the official language and widely spoken, especially in urban areas. Akan (including Twi) is the most common indigenous language. Learning basic Twi phrases helpful for integration.
Expat Community
Growing expat community, especially African diaspora following Year of Return. Active social scenes in Accra. Nigerian, Lebanese, Chinese, and European communities well-established.
Transportation
Uber and Bolt available in major cities. Tro-tros (shared minibuses) are cheapest. Traffic in Accra is challenging. Driving standards variable. International driving permit accepted initially.
Food & Dining
Ghanaian cuisine is flavorful and varied. Local food is affordable and delicious. International restaurants available in Accra. Markets offer fresh produce. Street food culture vibrant.
More Topics
Safety
Ghana is relatively safe compared to regional neighbors. Petty crime increasing in cities. Violent crime relatively rare. Avoid high-crime neighborhoods. Power outages and road safety are concerns.
Climate & Weather
Tropical climate - hot and humid year-round. Temperatures 74-91°F (23-33°C). Rainy season April-October with peak May-June. Dry season December-February is most pleasant.
Education
Ghana follows 6-3-3-4 education structure. International schools available in Accra offering British, American, IB curricula. University of Ghana attracts international students. Education quality varies significantly.
Family Life
Ghana is family-friendly with strong community values. Childcare more affordable than Western countries. Extended family culture common. International schools and family activities available in Accra.
Taxes
Progressive income tax 0-35% for residents. Non-residents taxed flat 25%. Resident = 183+ days in 12 months. Social security contributions required. VAT is 15%. Foreign income of residents taxed.
Culture & Lifestyle
Ghana is known for warm hospitality and welcoming culture. Strong community values, respect for elders. "Ghana time" flexibility common. English widely spoken. Dress modestly. Vibrant music and arts scene.