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Retiring in Ghana | Expat Exchange
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Retire in Ghana

By Joshua Wood, LPC

Last updated on Mar 09, 2024

Summary: Retirees are attracted to Ghana for its vibrant culture, stunning landscapes, and friendly people. Ghana is known for its tropical climate, with temperatures ranging from the mid-70s to the mid-80s Fahrenheit throughout the year.

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What is it like to retire in Ghana?

"Life for a retiree in Ghana and its surroundings can be quite enjoyable. There is an active expat community, with many retirees from the United States, Europe, and other parts of the world. There are plenty of cultural attractions to explore, such as the National Museum of Ghana, the Kwame Nkrumah Memorial Park, and the W.E.B. Du Bois Centre. There are also plenty of recreational activities to enjoy, such as hiking, bird watching, and fishing. For those looking for a more active nightlife, there are plenty of bars, clubs, and restaurants to explore," said one retiree in living in Ghana.

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What are the most challenging aspects of retiring in Ghana?

"One of the most challenging aspects of retiring in Ghana is the lack of a comprehensive pension system. Many retirees rely on their savings or family support to make ends meet. Additionally, the cost of living in Ghana is relatively high, making it difficult for retirees to stretch their savings. Healthcare can also be a challenge, as the public healthcare system is often inadequate and private healthcare can be expensive. Finally, the lack of access to quality leisure activities can make retirement in Ghana a lonely and isolating experience," said one retiree in Ghana.

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What are the most rewarding aspects of retiring in Ghana?

"One of the most rewarding aspects of retiring in Ghana is the opportunity to experience the country's vibrant culture and friendly people. The country is known for its beautiful landscapes, from the lush rainforests to the stunning beaches, making it a great place to relax and enjoy nature. Ghana also offers a wide range of activities and attractions, from exploring the country's historical sites to taking part in traditional festivals. Additionally, the cost of living in Ghana is relatively low, making it an attractive option for retirees looking to stretch their retirement savings," commented one retiree living in Ghana.

What are healthcare services like in Ghana?

We asked retirees if they have access to good medical care in Ghana. They wrote:

"Healthcare services in Ghana are provided by both public and private institutions. The public sector is largely funded by the government and provides basic healthcare services to the majority of the population. Private healthcare services are also available, and are typically more expensive than public services. The quality of healthcare services in Ghana varies depending on the region and the type of institution providing the services. Generally, healthcare services in Ghana are limited in terms of access to specialized care, availability of medicines, and quality of care. However, the government is making efforts to improve the healthcare system, including increasing access to healthcare services and improving the quality of care," said one retiree in living in Ghana.

How do I meet people in Ghana?

When we asked people living in Ghana about club and activities where newcomers can meet others, they responded:

"Expats in Ghana often join clubs and activities such as golf, tennis, and sailing. Expats can also join book clubs, language classes, and other social activities. Additionally, expats can meet people by attending local events such as festivals, concerts, and art exhibitions. Expats can also meet people by attending church services, joining a gym, or volunteering with a local charity. Finally, expats can meet people by simply striking up conversations with locals in cafes, bars, and other public places," remarked one retiree in Ghana.

"There are plenty of expat organisations and groups with various interests - gym, swim club, bridge, golf. movies etc. No matter what your interest you are bound to find a group to join or you can easily form one. Join those groups that interest you. For ladies NAWA is an excellent resource, so is expataccra," said a retiree who moved to Accra, Ghana.

What is life like in Ghana?

When we asked people living in Ghana what life is like and how people spend their time, they said:

"Life for expats and digital nomads in Ghana is generally positive. The country is known for its friendly people, vibrant culture, and stunning landscapes. Expats and digital nomads can find a wide range of accommodation options, from luxury apartments to budget-friendly hostels. The cost of living is relatively low, making it an attractive destination for those looking to stretch their budget. The country also offers a variety of activities and attractions, from exploring the bustling markets to visiting the many national parks. With its excellent infrastructure, reliable internet, and growing expat community, Ghana is an ideal destination for those looking to experience a new culture and lifestyle," explained one retiree living in Ghana.

"Everyone that works are usually pretty busy with it but there is also a lot os socialising with many functions a week on in town. We find we have to pick and choose what to do as otherwise there is just too much to do," said one retiree in living in Accra, Ghana.

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What do I need to know before retiring in Ghana?

When we asked people what advice they would give someone preparing to move to Ghana, they said:

"1. Expats should research the cost of living in Ghana to ensure they can afford to retire there. 2. It is important to familiarize oneself with the local culture and customs to ensure a smooth transition. 3. Expats should also research the healthcare system in Ghana to ensure they have access to quality medical care. 4. Expats should also consider the climate in Ghana and the availability of activities and amenities that suit their lifestyle. 5. It is also important to research the visa and residency requirements for expats in Ghana. 6. Expats should also consider the safety and security of the area they plan to retire in," explained a retiree in Ghana.

"Housing is extremely expensive so make sure that your company provides adequate housing allowance as even the most expensive properties are of low quality. If you do not have an adequate housing allowance you might end up in a not very pleasant part of town and in a house that is virtually uninhabitable. Cost of living here is generally very expensive," explained one retiree living in Accra.

What type of recreational activities are there in Ghana?

"In Ghana, residents enjoy a variety of recreational facilities, such as beaches, parks, and sports complexes. Beaches along the coast of Ghana offer a great place to relax and enjoy the sun and sand. Parks provide a great place to take a leisurely stroll, have a picnic, or just enjoy the outdoors. Sports complexes offer a variety of activities, such as basketball, tennis, and soccer. Additionally, there are many cultural attractions, such as museums, art galleries, and historic sites," said one retiree in Ghana.

Where will I buy groceries and do other shopping in Ghana?

"People living in Ghana typically buy groceries and do other shopping at local markets, supermarkets, and convenience stores. Many people also shop at roadside stalls and small shops, which are often family-run businesses. Additionally, some people may purchase items from door-to-door vendors or from street vendors," explained one retiree living in Ghana.

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

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