What properties can you buy in Accrawith $100k, $300k, $500k and more? (January 2026)

Authored by the expert who managed and guided the team behind the Ghana Property Pack

Yes, the analysis of Accra's property market is included in our pack

What can I realistically buy with $100k in Accra right now?

Are there any decent properties for $100k in Accra, or is it all scams?

For around $100,000 (approximately GHS 1.0 to 1.3 million at early 2026 exchange rates), you can realistically buy an older one or two bedroom flat, a small house needing work, or a plot of land in Accra's outer neighborhoods.

The best value and most legitimate options for a $100k budget in Accra are found in neighborhoods like Adenta, Madina, Dome, Taifa, Spintex fringes, Teshie, Nungua, and Weija, where listings are more affordable and the stock is genuine, though you need careful due diligence because this price range attracts more title issues.

Buying in popular or upscale Accra areas like Cantonments, Airport Residential, Ridge, Labone, or East Legon core is essentially impossible at $100k, as even small units in these prime neighborhoods typically cost multiples of that amount.

What property types can I afford for $100k in Accra (studio, land, old house)?

At around $100,000 (GHS 1.0 to 1.3 million) in Accra, your realistic options are older one to two bedroom apartments in mixed neighborhoods, small plots of land in outer areas like Oyarifa or Pokuase, or older houses that will likely need renovation work.

You should expect properties at this price point in Accra to be older, possibly with outdated plumbing, wiring, or roofing, and you should budget an extra 10% to 25% of the purchase price (so $10,000 to $25,000) for repairs and finishing.

Among these options, older apartments in neighborhoods with consistent rental demand, like Madina or Spintex fringes, tend to offer the best long-term value in Accra because they combine livability with easier resale compared to land, which can have complicated title issues.

What's a realistic budget to get a comfortable property in Accra as of 2026?

As of early 2026, the realistic minimum budget to get a comfortable property in Accra starts around $180,000 to $200,000 (approximately GHS 2.0 to 2.6 million, or roughly €165,000 to €185,000).

Most buyers looking for a comfortable standard in Accra typically need between $200,000 and $400,000 (GHS 2.2 to 5.2 million, or €185,000 to €370,000), depending on whether they prioritize location or space.

In Accra, "comfortable" generally means a finished two bedroom apartment or townhouse in a gated compound with reliable water backup, security, and decent road access, without needing major renovation work.

This budget can vary dramatically by neighborhood in Accra: $200,000 buys a solid apartment in Spintex or Tema, but in Cantonments or Airport Residential, the same money gets you something much smaller or older.

What can I get with a $200k budget in Accra as of 2026?

What "normal" homes become available at $200k in Accra as of 2026?

As of early 2026, a $200,000 budget (approximately GHS 2.2 to 2.6 million) in Accra typically gets you a finished, liveable two bedroom apartment in a gated block with amenities, a small three bedroom townhouse in outer areas, or occasionally a basic standalone house farther from the city center.

For this budget in Accra, you can generally expect apartment sizes ranging from about 80 to 130 square meters (roughly 860 to 1,400 square feet), with townhouses offering similar or slightly larger living areas depending on the neighborhood and age of the building.

By the way, we have much more granular data about housing prices in our property pack about Accra.

What places are the smartest $200k buys in Accra as of 2026?

As of early 2026, the smartest neighborhoods to buy at $200,000 in Accra include the Spintex corridor and Baatsona, East Legon Hills, Oyarifa's gated areas, Dzorwulu fringe, and Tema Community 18 or Sakumono.

These areas offer smarter value than other $200k options in Accra because they combine decent infrastructure, commuter access to major employment centers, and consistent rental demand from middle-class Ghanaians and expatriates.

The main factor driving value in these smart-buy areas of Accra is improved road connectivity and the presence of gated communities with reliable utilities, which attract both owner-occupiers and tenants willing to pay stable rents.

What can I buy with $300k in Accra in 2026?

What quality upgrade do I get at $300k in Accra in 2026?

As of early 2026, moving from $200,000 to $300,000 (approximately GHS 3.3 to 3.9 million) in Accra mainly buys you consistency: better build quality, newer construction, more reliable security systems, and amenities like backup water and power, gym access, or swimming pools in larger compounds.

Yes, $300,000 can definitely buy a property in a newer building in Accra, particularly in areas like Airport Hills edges, East Legon selected streets, Dzorwulu, Abelemkpe, and premium Spintex pockets.

At this budget in Accra, you typically get modern finishes, fitted kitchens, air conditioning provisions, secure parking, and buildings with functional management that actually maintains common areas and utilities.

Can $300k buy a 2-bedroom in Accra in 2026 in good areas?

As of early 2026, $300,000 can absolutely buy you a solid two bedroom property in good areas of Accra, and sometimes even in prime-adjacent neighborhoods depending on building age and exact location.

Specific good areas in Accra where $300,000 gets you a quality two bedroom include East Legon (selected listings), Dzorwulu, Abelemkpe, premium Spintex pockets, Airport Hills edges, and Cantonments fringe.

A $300,000 two bedroom in Accra typically offers around 90 to 150 square meters (roughly 970 to 1,600 square feet), with better finishes and layouts than what you would find at lower price points.

Which places become "accessible" at $300k in Accra as of 2026?

At the $300,000 price point in Accra, you start to access prime-adjacent neighborhoods like Cantonments fringe, Labone, Airport Residential Area edges, Roman Ridge fringe, and East Legon core, which were largely out of reach at lower budgets.

These newly accessible areas in Accra are more desirable because they offer proximity to embassies, international schools, upscale restaurants, and major business centers, plus they have established infrastructure and reliable utilities that outer neighborhoods often lack.

For $300,000 in these newly accessible Accra neighborhoods, you can typically expect a smaller unit in a quality building (often a two bedroom), an older property that may need some updating, or a well-finished apartment on a less central street within the prime zone.

By the way, we've written a blog article detailing what are the current best areas to invest in property in Accra.

What does a $500k budget unlock in Accra in 2026?

What's the typical size and location for $500k in Accra in 2026?

As of early 2026, $500,000 (approximately GHS 5.5 to 6.5 million) in Accra typically buys you either a high-quality two to three bedroom apartment in prime neighborhoods like Cantonments or Airport Residential, or a townhouse or small standalone house in prime-adjacent areas like East Legon Hills or Adjiringanor.

Yes, $500,000 can buy a family home with outdoor space in Accra, but most reliably in prime-adjacent neighborhoods where land is less scarce; in the most prime pockets, this budget often gets you a premium apartment rather than a house with a garden.

At this price point in Accra, you can typically expect properties with three to four bedrooms, two to three bathrooms, and living areas ranging from 150 to 250 square meters (roughly 1,600 to 2,700 square feet) depending on whether you choose an apartment or a house.

Finally, please note that we cover all the housing price data in Accra here.

Which "premium" neighborhoods open up at $500k in Accra in 2026?

At the $500,000 level in Accra, premium neighborhoods that become straightforward to access include Cantonments, Airport Residential Area, Labone, Roman Ridge, Ridge, East Legon core streets, and Trasacco Valley.

These neighborhoods are considered premium in Accra because they offer proximity to embassies and diplomatic missions, the best international schools, high-end restaurants and shopping, reliable utilities, mature tree-lined streets, and strong security infrastructure.

For $500,000 in these premium Accra neighborhoods, buyers can realistically expect a well-finished two to three bedroom apartment in a quality building with amenities, or a smaller townhouse or older standalone home that may benefit from updates.

What counts as "luxury" in Accra in 2026?

At what amount does "luxury" start in Accra right now?

In Accra as of early 2026, luxury real estate generally starts around $600,000 (approximately GHS 6.6 to 7.8 million, or roughly €550,000) for apartments in prime buildings with strong amenities and management.

Entry-level luxury in Accra means properties in prime neighborhoods with features like 24-hour security, swimming pools, gyms, backup power generators, consistent water supply, high-quality finishes, and professional building management that actually works.

Compared to other African capitals like Nairobi or Lagos, Accra's luxury threshold is somewhat higher because the prime market is smaller and quality supply is limited, which keeps prices elevated for genuinely well-built properties.

Mid-tier luxury properties in Accra typically range from $800,000 to $1.2 million (GHS 8.8 to 15.6 million, or €740,000 to €1.1 million), while top-tier luxury homes in the most exclusive pockets can reach $1.5 million to $3 million or more.

Which areas are truly high-end in Accra right now?

The truly high-end neighborhoods in Accra as of early 2026 are Cantonments, Airport Residential Area, Ridge, Roman Ridge, Labone, East Legon prime pockets, and gated luxury communities like Trasacco Valley.

These areas are considered truly high-end in Accra because they combine diplomatic-zone security, proximity to embassies and top schools, mature landscaping, low-density development, and consistent infrastructure that does not fail during power outages or water shortages.

The typical buyer profile for these high-end Accra areas includes senior diplomats and embassy staff, executives of multinational corporations, successful Ghanaian business owners, and diaspora returnees seeking quality comparable to what they experienced abroad.

How much does it really cost to buy, beyond the price, in Accra in 2026?

What are the total closing costs in Accra in 2026 as a percentage?

As of early 2026, total closing costs when buying property in Accra typically range from about 5% to 10% of the purchase price, depending on the complexity of the transaction and the specific services required.

The realistic low-to-high range that covers most standard property transactions in Accra is 5% for straightforward deals with clean titles, up to 10% or slightly more if extra searches, regularization work, or complicated documentation is involved.

The specific fee categories that make up this total in Accra include stamp duty (the main government tax), Lands Commission registration fees, legal and conveyancing fees, property valuation, and title search costs.

To avoid hidden costs and bad surprises, you can check our our pack covering the property buying process in Accra.

How much are notary, registration, and legal fees in Accra in 2026?

As of early 2026, combined notary, registration, and legal fees in Accra typically add up to roughly 3% to 5% of the property price, or approximately $6,000 to $15,000 (GHS 66,000 to 195,000, or €5,500 to €14,000) on a $200,000 to $300,000 property.

These fees typically represent about 3% to 5% of the property price in Accra, with stamp duty alone accounting for up to 1% on higher-value properties according to the current rate bands.

Among these three fee types in Accra, legal fees (including conveyancing) are usually the most expensive, typically running 1% to 2% of the purchase price, while registration fees vary based on the Lands Commission schedule and stamp duty follows the statutory bands.

What annual property taxes should I expect in Accra in 2026?

As of early 2026, annual property rates in Accra for a typical owner-occupied apartment or house range from a few hundred to a few thousand Ghana cedis per year, roughly $50 to $300 (GHS 550 to 3,900, or €45 to €275) for most residential properties.

Property rates in Accra typically represent a very small percentage of property value, often well under 1%, making them much lower than property taxes in many Western countries.

Property rates in Accra vary based on factors the Accra Metropolitan Assembly uses for valuation, including location, property size, building quality and condition, which means a property in Cantonments will pay more than a similar-sized property in Madina.

There are no widely publicized exemptions or reductions for foreign buyers in Accra, though certain property categories may have different treatment, and you should verify your specific situation with a local lawyer.

You can find the list of all property taxes, costs and fees when buying in Accra here.

Is mortgage a viable option for foreigners in Accra right now?

Getting a mortgage as a foreigner in Accra is possible but only viable for a minority of buyers, mainly because of high local-currency interest rates (often above 20%), strict documentation requirements, and limited loan-to-value ratios.

For foreign buyers in Accra, typical loan-to-value ratios are around 50% to 70%, and interest rates vary dramatically: USD mortgages may be available around 10% to 11% from some banks, while Ghana cedi mortgages run well above 20% due to the high policy rate environment.

To qualify for a mortgage in Accra, foreign buyers typically need proof of income (often from a Ghana-based source or verifiable international employment), valid identification, proof of funds for the down payment, and the property itself must have clear, registered title acceptable to the lender.

You can also read our latest update about mortgage and interest rates in Ghana.

What should I predict for resale and growth in Accra in 2026?

What property types resell fastest in Accra in 2026?

As of early 2026, the property types that resell fastest in Accra are well-priced two bedroom apartments in desirable, easy-to-rent neighborhoods like East Legon pockets, Dzorwulu, Abelemkpe, Cantonments fringe, and premium Spintex areas.

The typical time on market to sell a correctly-priced, clean-title property in Accra ranges from about 3 to 9 months, while overpriced or documentation-complicated properties can take 12 to 18 months or longer.

Two bedroom apartments sell faster in Accra because prime market supply has concentrated in this format, demand from both expatriates and middle-class Ghanaians is strongest for this size, and they are easier for buyers to finance or pay cash for compared to larger properties.

The slowest properties to resell in Accra are typically high-end luxury houses above $1 million (because the buyer pool is very small), land without clear title documentation, and unique or oversized properties in locations with poor road access or inconsistent utilities.

If you're interested, we cover all the best exit strategies in our real estate pack about Accra.

What sources have we used to write this blog article?

Whether it's in our blog articles or the market analyses included in our property pack about Accra, we always rely on the strongest methodology we can, and we don't throw out numbers at random.

We also aim to be fully transparent, so below we've listed the authoritative sources we used, and explained how we used them and the methods behind our estimates.