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Accra, Ghana: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Accra | Expat Exchange
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Accra, Ghana

Cigna Global Health
Cigna Global Health
Cigna Global Health
Cigna Global Health

By Joshua Wood, LPC

Last updated on Nov 10, 2024

Summary: The approximate population of Accra, Ghana is 2.3 million people. People describe Accra as a vibrant, bustling city with a unique culture and a rich history. Expats love the friendly people, the delicious food, and the vibrant nightlife. The weather in Accra is generally hot and humid, with temperatures ranging from the mid-70s to the mid-90s Fahrenheit. The average cost of living for an expat is around $1,500 to $2,000 per month. The cost of a one bedroom apartment is around $500 to $700 per month, and a two bedroom apartment is around $700 to $1,000 per month.

What are the pros and cons of living in Accra?

Expats, digital nomads and retirees living in Accra responded:

"Expats and digital nomads living in Accra, often appreciate the friendly and welcoming nature of the local people, making it easy to form connections and feel at home. They also enjoy the vibrant culture, rich history, and lively music scene that the city offers. The relatively low cost of living, affordable housing, and availability of fresh produce at local markets are other aspects that attract expats and digital nomads to Accra. The city's coastal location provides access to beautiful beaches, and the warm climate is a draw for those looking to escape colder weather. Additionally, Accra serves as a convenient base for exploring other parts of West Africa, with many interesting destinations within a short flight or drive. However, there are also some challenges that expats and digital nomads face while living in Accra. Traffic congestion can be a significant issue, leading to long commutes and frustration. The city's infrastructure may not be as developed as in some other countries, which can result in unreliable internet connections, power outages, and water shortages. Healthcare facilities in Accra may not meet the standards that some expats are accustomed to, and it may be necessary to travel to other countries for certain medical treatments. Additionally, the city can be quite noisy and polluted, which may be a concern for those with health issues or sensitivities. Finally, while many locals speak English, there can still be language barriers and cultural differences that may take some time to adjust to. Overall, living in Accra can be a rewarding experience for expats and digital nomads, but it also comes with its share of challenges," said one expat in living in Accra, Ghana.

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What type of social life can someone expect in Accra?

When we asked expats and global nomads about their social experiences in Accra, they replied:

"Expats, retirees, and digital nomads living in Accra, typically have a vibrant and diverse social life. They often engage in various social activities, such as attending cultural events, dining at local and international restaurants, and participating in sports and outdoor activities. They also tend to join expat clubs and organizations, which provide opportunities to network and make new friends with people from different backgrounds. Additionally, they may attend language classes to learn the local language, which can help them better integrate into the local community and expand their social circle. Overall, the social life of expats, retirees, and digital nomads in Accra is characterized by a mix of local and international experiences, allowing them to enjoy the best of both worlds," said one member in Accra.

"The social scene in Accra, is vibrant, diverse, and lively, offering a mix of traditional and modern experiences. The city is known for its friendly and welcoming people, who are always eager to engage with visitors and share their culture. Accra boasts a thriving nightlife, with numerous bars, clubs, and live music venues where locals and tourists alike can enjoy a variety of music genres, including highlife, hiplife, and Afrobeat. In addition to its nightlife, Accra offers a rich cultural scene, with numerous art galleries, museums, and theaters showcasing the works of local artists and performers. The city also hosts several annual festivals and events, such as the Chale Wote Street Art Festival and the Homowo Festival, which celebrate Ghanaian culture and traditions. Accra's social scene is also characterized by its bustling markets, where locals gather to shop, socialize, and enjoy street food. The Makola Market and the Osu Night Market are popular spots for experiencing the city's lively atmosphere and sampling local cuisine. The city's growing expatriate community has also contributed to the diversity of Accra's social scene, with a range of international restaurants, clubs, and events catering to different tastes and interests. Overall, the social scene in Accra offers a unique blend of traditional and contemporary experiences, making it an exciting and dynamic place to explore," said one expat in living in Accra, Ghana.

What advice to expats in Accra have about housing?

"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. Lastly, be prepared to negotiate lease terms before signing the agreement," remarked one expat in Accra.

What are medical services in Accra like?

When we asked expats and global nomads about the quality of medical care in Accra, they replied:

"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. Overall, medical services in Accra are improving, but there is still a significant gap between the quality of public and private healthcare," explained one expat living in Accra.

Are healthcare and health insurance expensive in Accra?

"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. Many Ghanaians may struggle to afford health insurance or access quality healthcare, leading to a reliance on public healthcare facilities that may be overcrowded and under-resourced," explained one expat living in Accra.

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Is the cost of living in Accra high?

We asked people about the cost of living in Accra, they wrote:

"The cost of living in Accra is generally considered to be lower than that of other major cities in the West, though it can still be quite high depending on lifestyle and location. Rental prices for a nice 1 bedroom apartment in Accra, Ghana can range from around $280-$850 USD per month depending on the location and amenities, while a nice 2 bedroom apartment can range from around $400-$1500 USD per month. Eating dinner at a moderately priced restaurant in Accra, Ghana can cost around $10-$20 USD per person," said one in Accra.

What are the visa & residency requirements in Accra?

"To apply for a visa in Accra, applicants are required to submit a passport or travel document that is valid for at least six months. Additionally, they must provide a fully completed application form, two passport-sized photographs, proof of onward travel, a authorized referral letter from a sponsoring organization, and all relevant documentation related to the purpose of their visit. Applications must also include a fee, and processing takes around 10 days. To apply for residency in Accra, Ghana, applicants must provide an application form, copies of their passport or identity card, a letter of employment or study, criminal background check documents, financial proof of resources to cover their stay, and a medical certificate. Residency applications are processed by the Ministry of Interior or the Normalization Structures, and the process generally lasts between 30 to 90 days," remarked one expat in Accra.

Why do people move to Accra?

When we asked people why foreigners move to Accra, they responded:

"Accra offers its expats a rich cultural experience with its vibrant nightlife, friendly locals, stunning landscapes, rich history, and rich diversity of cultures. The city also has a thriving economy, excellent job opportunities, and modern infrastructure. Accra is a popular destination for expats looking for a safe and secure environment and an affordable cost of living. The expat community in Accra is well-connected, so it's relatively easy to find both social and professional networks. Its proximity to other exciting African cities, such as Lagos, Addis Ababa, and Dakar, makes Accra an ideal location to explore the African continent," said one expat in Accra.

What do I need to know about living in Accra?

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

"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," remarked one in Accra.

"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. Finally, expats should look into the availability of recreational activities and cultural events in the area," explained one expat.

What do I need to know before moving to Accra?

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

"Accra is a vibrant and diverse city with a rich culture and history. Before moving to Accra, it is important to research the cost of living, as it can be quite expensive. It is also important to familiarize yourself with the local language, Twi, as it is widely spoken in the city. Additionally, it is important to be aware of the climate in Accra, as it is hot and humid year-round. Finally, it is important to research the safety of the city and take necessary precautions to ensure your safety," replied an expat in Accra.

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How do I find a place to live in Accra?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"One way to find a place to live in Accra is to search online for rental listings. Websites such as Jumia House, Tonaton, and meQasa are popular rental listing sites in Ghana. Additionally, you can search for rental listings on social media platforms such as Facebook and Twitter. You can also ask friends and family who live in Accra for recommendations. Finally, you can visit the area in person and look for “For Rent” signs," replied an expat in Accra.

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What is a typical expat home or apartment like in Accra?

"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. Expat homes and apartments in Accra are often located close to amenities such as shopping centers, restaurants, and entertainment venues," replied an expat in Accra.

What is the average cost of housing in Accra?

If you are thinking about moving to Accra, cost of living in probably a key consideration. Expats commented about the cost of housing:

"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. Buying a house in Accra can be even more expensive, with prices ranging from $50,000 to over $1 million," remarked one expat in Accra.

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How do I meet people in Accra?

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

"Expats in Accra often join clubs and activities such as the Accra Expat Network, which provides a platform for expats to meet and socialize. Other popular activities include joining a sports team, attending cultural events, and exploring the city's vibrant nightlife. Expats can also meet people by attending local festivals, joining language classes, or volunteering with a local charity. Additionally, many expats find it helpful to join online forums and social media groups to connect with other expats living in Accra," said one expat in Accra.

"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 person living in Accra.

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What should I bring when moving to Accra?

People living in Accra were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"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. Finally, make sure to bring a few items that will help you feel at home, such as photos, books, and music," explained one expat living in Accra.

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Where should I setup a bank account in Accra?

We asked expats in Accra what banks they use and there advice about banking. They advised:

"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. Finally, expats should look into the availability of recreational activities and cultural events in the area," explained one expat living in Accra.

Will I be able to find a job in Accra?

When we asked people about industries and career opportunities in Accra, they reponded:

"Foreigners often work in Accra in a variety of roles, including teaching English, working in the hospitality industry, providing technical support, and working in the oil and gas industry. Other popular jobs for foreigners include working in the banking sector, working in the media, and working in the IT sector. Additionally, many foreigners find employment in the construction industry, as well as in the medical and health care fields," explained one expat living in Accra.

"Oil, gas, mining, breweries, and cocoa industries are the main industries. Senior management or technical positions are the major career opportunities but work visas are limited so generally need to be very senior or have unique skills. Jobs are usually advertised on overseas websites or people are promoted within," said one expat in Accra.

What is life like in Accra?

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

"Accra is an increasingly popular destination for expats and digital nomads. The city offers a vibrant culture, a warm climate, and a low cost of living. Expats and digital nomads in Accra can enjoy a wide variety of activities, from exploring the city's many markets and restaurants to taking part in the city's lively nightlife. The city also offers a variety of accommodation options, from luxury apartments to budget-friendly hostels. Expats and digital nomads in Accra can also take advantage of the city's excellent transportation system, which makes it easy to get around. With its welcoming atmosphere and diverse culture, Accra is an ideal destination for expats and digital nomads looking for an exciting and rewarding experience," said one expat in Accra.

"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 a person living in Accra.

What do expats in Accra appreciate most about the local culture?

"Expats in Accra appreciate the warm hospitality of the locals, the vibrant culture, and the delicious local cuisine. They also enjoy the city's rich history, the beautiful beaches, and the vibrant nightlife. Additionally, expats appreciate the city's diverse population, the vibrant music scene, and the many opportunities to explore the local culture," said one person in Accra.

What do expats find most challenging?

"Expats in Accra often find the local culture to be quite different from what they are used to. The language barrier can be a challenge, as English is not widely spoken outside of the city. Additionally, the local customs and traditions can be difficult to understand and navigate. Expats may also find the traffic and lack of infrastructure to be a challenge, as roads can be congested and public transportation can be unreliable. Finally, the cost of living in Accra can be high, making it difficult for expats to adjust to the local economy," remarked one in Accra.

"People here only tell you what you want to hear not the real situation - leading to not being able to trust anyone," explained one expat.

Is there a lot of crime in Accra?

We asked people if there is a lot of crime. They answered:

"Accra is a bustling city with a population of over 4 million people. While the city is generally safe, there is still a significant amount of crime, including pickpocketing, muggings, and carjackings. The city also has a high rate of violent crime, including armed robberies and assaults. In addition, there is a growing problem with cybercrime, such as identity theft and online scams. To stay safe, it is important to be aware of your surroundings and take extra precautions when travelling in Accra," said one person in Accra.

Is there a lot of diversity? Are people in Accra accepting of differences?

"Yes, there is a lot of diversity in Accra. The city is home to people from many different ethnic, religious, and cultural backgrounds, and people are generally accepting of differences. Accra is known for its vibrant culture and its welcoming attitude towards visitors from all walks of life," remarked one in Accra.

"Yes - within the local community there are Christian (Apostles) and Islam and Expats are from around the world. There are also many Africans from other nations. Tolerance is generally very high however, there is a tendency to take advantage of Expats within Accra and they are not as welcoming and friendly as Ghanians from the country," explained one expat.

What are the schools in Accra like?

"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. GIS is accredited by the Council of International Schools and provides a wide range of extracurricular activities," remarked one parent with kids at in Accra.

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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