Authored by the expert who managed and guided the team behind the Ghana Property Pack
Everything you need to know before buying real estate is included in our Ghana Property Pack
If you want to buy a house in Ghana, one of your first questions is probably: how much will it cost?
This guide gives you real numbers based on the latest listing data and official sources, so you can plan your budget with confidence.
We constantly update this blog post to reflect current market conditions and exchange rates.
And if you're planning to buy a property in this place, you may want to download our pack covering the real estate market in Ghana.
How much do houses cost in Ghana as of 2026?
What's the median and average house price in Ghana as of 2026?
As of early 2026, the average asking price for a house in Ghana is around GH₵1,400,000, which equals roughly US$127,000 or €117,000 at current exchange rates.
The typical price range that covers most house sales in Ghana runs from GH₵600,000 to GH₵3,000,000, or about US$55,000 to US$273,000 (€51,000 to €252,000), which is where most foreign buyers end up shopping.
The gap between median and average prices in Ghana is quite wide because the market includes everything from modest homes in regional towns to luxury villas in prime Accra, which pulls the average upward.
At the median price point in Ghana, you can typically expect a 3-bedroom detached house in a developing suburb like Oyibi or Kasoa, with basic finishes and a small compound, though not in the most sought-after neighborhoods.
What's the cheapest livable house budget in Ghana as of 2026?
As of early 2026, the minimum budget for a livable house in Ghana starts at around GH₵250,000 to GH₵350,000 outside Greater Accra, which is roughly US$23,000 to US$32,000 (€21,000 to €30,000).
At this entry-level price in Ghana, "livable" typically means a solid structure with basic plumbing and electrical connections, but you should expect older finishes, no air conditioning, and possibly a shared compound or limited security features.
These cheapest livable houses in Ghana are usually found in areas like Kasoa, Buduburam, Ningo Prampram, and smaller towns in Ashanti Region outside Kumasi, where land costs are lower and development is less dense.
Wondering what you can get? We cover all the buying opportunities at different budget levels in Ghana here.
How much do 2 and 3-bedroom houses cost in Ghana as of 2026?
As of early 2026, a 2-bedroom house in Ghana typically costs around GH₵700,000 (US$64,000 or €59,000), while a 3-bedroom house averages about GH₵1,600,000 (US$145,000 or €134,000).
The realistic price range for a 2-bedroom house in Ghana runs from GH₵350,000 to GH₵1,200,000, which translates to US$32,000 to US$109,000 (€30,000 to €101,000), depending on location and finishes.
For a 3-bedroom house in Ghana, you should budget between GH₵600,000 and GH₵2,500,000, or roughly US$55,000 to US$227,000 (€51,000 to €210,000), with prices varying significantly between Accra and other regions.
Moving from a 2-bedroom to a 3-bedroom house in Ghana typically adds around GH₵900,000 (US$82,000 or €76,000) to your budget, which represents a premium of roughly 130% in most market segments.
How much do 4-bedroom houses cost in Ghana as of 2026?
As of early 2026, the typical price for a 4-bedroom house in Ghana is around GH₵1,700,000, which equals roughly US$155,000 or €143,000 at current exchange rates.
For a 5-bedroom house in Ghana, you should expect a realistic price range of GH₵1,800,000 to GH₵6,500,000, or about US$164,000 to US$591,000 (€151,000 to €547,000), since these homes often cross into the luxury segment.
A 6-bedroom house in Ghana typically falls between GH₵2,500,000 and GH₵8,500,000, which is US$227,000 to US$773,000 (€210,000 to €714,000), with prices driven heavily by land size and location within Greater Accra.
Please note that we give much more detailed data in our pack about the property market in Ghana.
How much do new-build houses cost in Ghana as of 2026?
As of early 2026, new-build houses in Ghana typically cost between GH₵1,800,000 and GH₵3,500,000 for a standard 3 to 4-bedroom home in a gated community, which equals roughly US$164,000 to US$318,000 (€151,000 to €294,000).
New-build houses in Ghana generally carry a premium of 15% to 30% compared to older resale houses in the same area, mainly because they offer modern amenities like backup water tanks, improved wiring, and security infrastructure that older homes lack.
How much do houses with land cost in Ghana as of 2026?
As of early 2026, a house with substantial land in Ghana typically costs GH₵2,000,000 to GH₵6,000,000 in Greater Accra (US$182,000 to US$545,000 or €168,000 to €504,000), while outside Accra you can find similar properties for GH₵800,000 to GH₵2,500,000 (US$73,000 to US$227,000 or €67,000 to €210,000).
In Ghana, a "house with land" typically means a plot larger than the standard self-compound, usually starting at around 0.5 acres or more, which is common in outer Accra suburbs and regional areas where compound-style living remains popular.
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Where are houses cheapest and most expensive in Ghana as of 2026?
Which neighborhoods have the lowest house prices in Ghana as of 2026?
As of early 2026, the neighborhoods with the lowest house prices in Ghana include Kwashieman, Ningo Prampram District, Oyibi, and Teshie New Town, all within or near Greater Accra.
In these cheapest neighborhoods, typical house prices range from GH₵350,000 to GH₵850,000, which equals US$32,000 to US$77,000 (€30,000 to €71,000).
These areas have lower prices because they sit further from central Accra with longer commute times, have less developed infrastructure like roads and drainage, and attract fewer corporate or expat tenants who drive up values elsewhere.
Which neighborhoods have the highest house prices in Ghana as of 2026?
As of early 2026, the three neighborhoods with the highest house prices in Ghana are East Legon (Okponglo), Cantonments, and Dzorwulu, all located in prime central Accra.
In these most expensive neighborhoods, typical house prices range from GH₵6,000,000 to GH₵10,000,000, which equals US$545,000 to US$909,000 (€504,000 to €841,000).
These neighborhoods command premium prices because they offer proximity to embassies, international schools, and corporate headquarters, combined with established security, reliable utilities, and mature landscaping that newer areas cannot match.
The typical buyers in these premium Ghana neighborhoods are senior diplomats, multinational executives, wealthy diaspora Ghanaians returning home, and high-net-worth individuals seeking addresses that signal status and provide genuine convenience.
How much do houses cost near the city center in Ghana as of 2026?
As of early 2026, houses near central Accra in areas like Ridge, Cantonments, Airport Residential Area, and Osu typically cost between GH₵2,600,000 and GH₵10,000,000, which equals US$236,000 to US$909,000 (€218,000 to €841,000).
Houses near major transit hubs in Ghana, particularly along the airport corridor and key interchange zones like Tetteh Quarshie and Kwame Nkrumah Circle, generally cost GH₵1,500,000 to GH₵4,000,000 (US$136,000 to US$364,000 or €126,000 to €337,000).
Houses near top international schools in Ghana like Lincoln Community School, Ghana International School, and International Community School typically cost GH₵2,000,000 to GH₵10,000,000 (US$182,000 to US$909,000 or €168,000 to €841,000), since these schools cluster in Cantonments, Airport Residential, and East Legon.
In expat-popular areas of Ghana such as Cantonments, Airport Residential Area, Labone, Roman Ridge, and East Legon, houses typically cost GH₵2,500,000 to GH₵8,000,000 (US$227,000 to US$727,000 or €210,000 to €672,000).
We actually have an updated expat guide for Ghana here.
How much do houses cost in the suburbs in Ghana as of 2026?
As of early 2026, houses in the suburbs of Greater Accra typically cost between GH₵700,000 and GH₵2,500,000, which equals US$64,000 to US$227,000 (€59,000 to €210,000).
Suburban houses in Ghana generally cost 50% to 70% less than equivalent properties in central Accra, with the price gap being most dramatic when comparing outer areas like Oyibi (median around GH₵780,000) to prime districts like Cantonments (median around GH₵9,140,000).
The most popular suburbs for house buyers in Ghana include Adenta, Ashaley Botwe, East Legon Hills, Oyibi, Spintex, Tema Community 25, Weija, and Kasoa, where new gated developments attract young families and first-time buyers.
What areas in Ghana are improving and still affordable as of 2026?
As of early 2026, the top improving yet affordable areas for house buyers in Ghana include East Legon Hills, Ashaley Botwe, Adjiringanor, Oyarifa along the Aburi road corridor, Spintex Road, and Weija/West Hills.
In these improving areas, current typical house prices range from GH₵900,000 to GH₵2,500,000, which equals US$82,000 to US$227,000 (€76,000 to €210,000).
The main sign of improvement driving buyer interest in these Ghana neighborhoods is the arrival of new gated estate developments with paved internal roads, backup utilities, and security posts, which signal that these areas are transitioning from "upcoming" to established residential zones.
By the way, we've written a blog article detailing what are the current best areas to invest in property in Ghana.
We did some research and made this infographic to help you quickly compare rental yields of the major cities in Ghana versus those in neighboring countries. It provides a clear view of how this country positions itself as a real estate investment destination, which might interest you if you’re planning to invest there.
What extra costs should I budget for a house in Ghana right now?
What are typical buyer closing costs for houses in Ghana right now?
The typical total closing cost for house buyers in Ghana runs between 6% and 12% of the purchase price, depending on the complexity of the title and the legal work required.
The main closing cost categories in Ghana include stamp duty (based on property value), Lands Commission registration and search fees (around GH₵2,000 to GH₵10,000 or US$180 to US$910), and legal or conveyancing fees (typically 1% to 3% of the price).
The single largest closing cost for house buyers in Ghana is usually stamp duty, which is set by law under the Stamp Duty Act and calculated as a percentage of the declared property value.
We cover all these costs and what are the strategies to minimize them in our property pack about Ghana.
How much are property taxes on houses in Ghana right now?
The typical annual property tax, called property rates in Ghana, runs from GH₵500 to GH₵3,000 per year (US$45 to US$273 or €42 to €252) for most urban houses, though prime Accra properties with higher assessed values can pay more.
Property rates in Ghana are calculated by your local Municipal, Metropolitan, or District Assembly based on the assessed value of your property, and the exact rate varies depending on which assembly has jurisdiction over your area.
If you want to go into more details, we also have a page with all the property taxes and fees in Ghana.
How much is home insurance for a house in Ghana right now?
The typical annual home insurance cost in Ghana ranges from GH₵1,800 to GH₵12,000 per year (US$164 to US$1,090 or €151 to €1,008), depending on the insured value and coverage type, with mid-range houses around GH₵1,000,000 typically paying GH₵150 to GH₵400 monthly.
The main factors affecting home insurance premiums for houses in Ghana include the property's replacement value, location (flood-prone areas cost more), construction materials, security features, and whether you add contents coverage or just building structure.
What are typical utility costs for a house in Ghana right now?
The typical total monthly utility cost for a house in Ghana runs from GH₵500 to GH₵2,100 per month (US$45 to US$191 or €42 to €177), though homes with heavy air conditioning and backup systems can pay significantly more.
The main utility categories for houses in Ghana include electricity at GH₵400 to GH₵1,800 monthly (higher with A/C and backup inverters), water at GH₵80 to GH₵300 monthly (more if using tanker delivery), and waste collection which varies by area but typically runs GH₵50 to GH₵150 monthly.
What are common hidden costs when buying a house in Ghana right now?
The estimated total of common hidden costs that house buyers in Ghana often overlook runs from GH₵30,000 to GH₵150,000 (US$2,700 to US$13,600 or €2,500 to €12,600), covering everything from title verification to immediate repairs and backup systems.
Inspection fees for houses in Ghana typically cost GH₵2,000 to GH₵8,000 (US$180 to US$730 or €167 to €675) for a thorough pre-purchase assessment by a qualified building professional, with larger luxury homes at the higher end.
Other common hidden costs when buying a house in Ghana include title due diligence beyond basic searches, boundary surveys if plot edges are unclear, immediate fixes for roofing, plumbing, or electrical issues, and gated community service charges that can run GH₵200 to GH₵1,000 monthly.
The hidden cost that surprises first-time house buyers in Ghana the most is the expense of installing backup power and water systems, including generators or inverters (GH₵15,000 to GH₵80,000), water storage tanks, and sometimes a borehole, which are essential for comfortable living but rarely included in the purchase price.
You will find here the list of classic mistakes people make when buying a property in Ghana.
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What do locals and expats say about the market in Ghana as of 2026?
Do people think houses are overpriced in Ghana as of 2026?
As of early 2026, the general sentiment among locals and expats is that houses in prime Accra feel overpriced relative to local incomes, though many acknowledge that quality properties in good locations hold their value better than alternatives.
Houses in Ghana typically stay on the market for 1 to 3 months in prime Accra neighborhoods if priced correctly, while non-prime areas and overpriced listings can sit for 6 to 12 months or longer.
The main reason locals and expats feel house prices in Ghana are high is the disconnect between asking prices (often pegged to dollar expectations) and what the average Ghanaian can afford, combined with limited mortgage availability that keeps the buyer pool small.
Compared to one or two years ago, sentiment on house prices in Ghana has shifted slightly toward cautious optimism, as increased new supply in suburban areas has given buyers more negotiating power outside prime districts, even though central Accra remains tight.
You'll find our latest property market analysis about Ghana here.
Are prices still rising or cooling in Ghana as of 2026?
As of early 2026, house prices in Ghana show a mixed picture: prime Accra neighborhoods remain resilient with slight upward pressure, while suburban areas and new supply pockets feel more negotiable as buyers have more options.
The estimated year-over-year house price change in Ghana varies by segment, but most observers put it at roughly flat to 5% growth in cedi terms for prime areas, while accounting for currency depreciation means dollar-equivalent values have been more volatile.
Experts and locals expect house prices in Ghana over the next 6 to 12 months to remain stable in prime areas with continued strong demand from diaspora and corporate buyers, while outer suburbs may see modest softening as new developments compete for a limited pool of qualified purchasers.
Finally, please note that we have covered property price trends and forecasts for Ghana here.
We created this infographic to give you a simple idea of how much it costs to buy property in different parts of Ghana. As you can see, it breaks down price ranges and property types for popular cities in the country. We hope this makes it easier to explore your options and understand the market.
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 Ghana, 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.
| Source | Why we trust it | How we used it |
|---|---|---|
| Bank of Ghana Exchange Rates | Ghana's central bank publishes official interbank exchange rates. | We used this to convert cedi prices to USD at the most recent official rate. We kept all currency comparisons consistent using the same source. |
| Ghana Property Centre | The largest property portal in Ghana with transparent listing data. | We used this to estimate national and regional house prices by bedroom count. We also extracted district-level medians from their Accra market report. |
| Ghana Property Centre Accra Report | Provides median prices by district using consistent methodology. | We used this to identify the cheapest and most expensive neighborhoods. We named real areas with actual published price figures. |
| Ghana Statistical Service PBCI | Official government source for building cost index data. | We used this to understand construction cost pressures behind new-build premiums. We cross-checked price movements against real cost inputs. |
| Knight Frank Ghana | Respected global real estate consultancy with local research. | We used this to triangulate market sentiment and demand trends. We referenced their commentary on prime vs suburban dynamics. |
| Ghana Revenue Authority Stamp Duty Act | Official tax authority hosting the underlying property transfer law. | We used this to ground stamp duty as a legal closing cost. We framed buyer cost expectations around this official requirement. |
| Lands Commission Fees | Government agency publishing official registration charges. | We used this to outline administrative costs for title searches and registration. We included it to make closing cost estimates concrete. |
| PURC Tariff Review 2026 | Statutory utilities regulator that approves electricity and water rates. | We used this to anchor utility cost estimates in the official 2026 tariff changes. We kept monthly bill ranges tied to regulatory reality. |
| Stanbic Bank Ghana Insurance | Major bank with published home insurance pricing examples. | We used this to estimate realistic monthly insurance premiums. We scaled the example quote proportionally for different property values. |
| GIPC Real Estate Sector Report | Government investment agency providing official sector overview. | We used this for market structure context on financing constraints and housing initiatives. We referenced it to explain why the market behaves as it does. |
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