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Retire in Ghana

By Joshua Wood, LPC

Last updated on Feb 06, 2023

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?

"Retiring in Ghana can be a rewarding experience. With a rich culture and a number of attractions, there are many activities to enjoy. The climate is often warm and sunny, making it a great place to spend your senior years. Accommodations, such as retirement apartments and villas, are available for rent and purchase in the larger cities. Healthcare is good, with public and private hospitals offering comprehensive services to all residents. The cost of living is relatively low, and there is a variety of fresh and delicious food. Additionally, Ghana is home to many historic sites and natural wonders, including national parks and beaches along the coast. Retiring in Ghana offers the opportunity to relax, explore, and enjoy a vibrant culture with a welcoming and friendly population," explained a retiree in Ghana.

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William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.
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What are the most challenging aspects of retiring in Ghana?

"Retiring in Ghana can be challenging due to the high cost of living, lack of financial security, limited access to healthcare and social security, inadequate government programs and services, limited employment opportunities, inadequate infrastructure, and a lack of pension and retirement savings plans. Additionally, Ghana has a difficult business climate and the lack of access to international financial services can make it difficult for expatriates to manage their finances. Furthermore, cultural and language barriers can make it challenging to access services and interact with locals," commented one retiree living in Ghana.

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AGS Worldwide Movers can move you to and from anywhere in the world. Presently the AGS Group has over 141 locations in more than 95 countries and has one of the largest networks in the international removals industry. We relocate 85,000 families every year. Free moving quote!

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What are the most rewarding aspects of retiring in Ghana?

"Living in Ghana can provide retirees with a rich cultural environment, affordable housing, and access to wonderful natural surroundings. The cost of living is generally lower than in the U.S., Canada, or Europe, and the country boasts many vibrant cities and small towns. Ghana is renowned for its warm and welcoming people, many of whom are bilingual and speak both English and an African language. Retirees can benefit from the laid-back culture, and many retirees enjoy Ghana’s idyllic beaches and national parks. Ghana’s national healthcare system is improving, and retirees can access good medical care and hospital facilities as well. Many foreign retirees find joy in sharing their experience and knowledge with the local people while learning from them in return," remarked another retiree in Ghana.

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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 vary greatly between urban and rural regions, and socio-economic disparities exist in terms of access to healthcare. The major healthcare system in Ghana is the public healthcare system, which is largely financed through taxes. Public healthcare in Ghana is generally of lower quality than private healthcare, but it is also less expensive and more accessible to the majority of the population. Health insurance is relatively uncommon in Ghana, with most healthcare costs being paid out-of-pocket. Free primary healthcare services are available through the National Health Insurance Scheme (NHIS), however, coverage is limited. Private clinics and hospitals have become increasingly common, and these are often well equipped and staffed with qualified personnel, but they are more expensive than the public healthcare system. Despite the large number of healthcare facilities and initiatives in Ghana, healthcare remains a major challenge in many parts of the country, particularly in rural areas," said another retiree in Ghana.

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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:

"There are a variety of different ways you can meet people in Ghana. One of the best ways to meet people is through social networks such as Facebook, Instagram, or Twitter. Utilize your current friends or followers to find people in Ghana who are interested in the same things you are, or who come from a similar cultural or educational background. Additionally, joining local meetup groups or community organizations is a great way to meet people in Ghana. This can range from local sports teams and clubs to shared events or activities in your city. Lastly, speaking to people in your day-to-day life is a great way to meet people in Ghana. Whether you are engaging an Uber driver in conversation or purchase items from a local vendor, you can make meaningful connections when you take the time to chat with those around you," said a retiree who moved to 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 another retiree in Accra.

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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:

"Living as an expat in Frankfurt is a pleasant experience. Frankfurt is an international city with a friendly atmosphere and a lot of cultural diversity. There is an abundance of excellent restaurants, shopping, and entertainment. The city is well connected to the rest of Europe by train, and transportation within the city itself is easy to navigate. The cost of living is relatively low compared to other major cities in Europe, making it an attractive destination for those looking to work or study abroad. The locals have a reputation for being welcoming and friendly, and the social life of the city is active and vibrant. English is widely spoken and many activities and services are provided in English. Overall, living in Frankfurt as an expat can be a fun and rewarding experience," explained a retiree 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," explained one retiree living in Accra.

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William Russell Health Insurance

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

Learn MoreGET A QUOTE

William Russell Health Insurance

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

Learn MoreGET A QUOTE

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:

"Before retiring in Ghana, it is important to consider the cost of living, housing options, and tax regulations in the country. It is also important to familiarize yourself with healthcare costs and available services, as well as the public transportation and leisure activity options in the area. In addition, it is important to understand the political and economic environment in the region. It is recommended to get in contact with a lawyer or accountant to ensure you are familiar with the local taxes, pension rules, and other legal requirements. It is also recommended to speak to other expats living in Ghana to gain insights into specific topics such as culture and lifestyle," 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.

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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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Get a quote for international health insurance from our partner, William Russell.
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Get a quote for international health insurance from our partner, William Russell.
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