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Life in Ghana


Formed from the merger of the British colony of the Gold Coast and the Togoland trust territory, Ghana in 1957 became the first sub-Saharan country in colonial Africa to gain its independence. Ghana endured a long series of coups before Lt. Jerry RAWLINGS took power in 1981 and banned political parties. After approving a new constitution and restoring multiparty politics in 1992, RAWLINGS won presidential elections in 1992 and 1996, but was constitutionally prevented from running for a third term in 2000. John KUFUOR succeeded him and was reelected in 2004. John Atta MILLS took over as head of state in early 2009.

Geographical Location

Western Africa, bordering the Gulf of Guinea, between Cote d'Ivoire and Togo and covers an area of an about : 238,533 sq km ; land: 227,533 sq km , water: 11,000 sq km and 539 km coastal line.

Current Weather

tropical; warm and comparatively dry along southeast coast; hot and humid in southwest; hot and dry in north and with Terrain mostly low plains with dissected plateau in south-central area

Population and People

Ghana has an estimates : 23,887,812 divided into the following ethnic groups : Akan 45.3%, Mole-Dagbon 15.2%, Ewe 11.7%, Ga-Dangme 7.3%, Guan 4%, Gurma 3.6%, Grusi 2.6%, Mande-Busanga 1%, other tribes 1.4%, other 7.8%


Ghana’s economy is based on gold, timber, industrial diamonds, bauxite, manganese, fish, rubber, hydropower, petroleum, silver, salt, limestone and agriculture , as significant providers of foreign exchange. Manufacturing is the second largest sector and is generally agro-based. The third largest and fastest growing sector is the Services sector which is led by Ghana’s success in Tourism. Ghana’s beauty and incredible natural and cultural wealth have made it an adventure lover’s paradise and one of the most exciting vacation spots in the world.

Real Estate in Ghana

Real estate values in Ghana have been on a steady increase, with some areas experiencing phenomenal growth. Below are some of the most frequently asked questions and main concerns prospective buyers usually ask us when looking to invest Ghana.

Can Non-Ghanaians purchase property in Ghana?

Yes, Non-Ghanaians can purchase and own property in Ghana.

Are there title companies in Ghana?


What about title insurance?

Title or escrow services are usually handled by a qualified attorney. Although some companies may offer title insurance, the best and safest bet is to hire an attorney to undertake and complete a title search during your due diligence period. This will ensure that there are no pending judgments or other interests on the title and that title is completely transferable to the buyer – free of any encumbrances. Some attorneys also serve well for escrow services, particularly when dealing with foreign currency and transfers.

Are there any special licenses or permits needed from the Government for land purchase or development?

The government of Ghana is very proactive with regard to development. Any legitimate developer can be granted a license from the government for developments that will add to the welfare of Ghana and Ghanaians. Non-Ghanaians can purchase property freely, but need a license to purchase or hold land in excess of 1/2 acre in urban areas (cities or towns) or 10 acres in rural areas. An application for such a license will include a development plan if the property being purchased in undeveloped.

What type of construction costs can one expect?

Construction costs, like most things in Ghana, vary. This range in price is often due to location and area, work force, materials, availability of resources, and weather conditions. Prices are substantially lower in the rural areas and district towns. Hiring the right contractor and/or architect is essential to making a good construction investment in Ghana. They can advise and help you get maximum value for your money.

What are living expenses like in Ghana?

Living expenses in Ghana are substantially lower than those of the developed world. While goods and products are often priced relatively higher due to import duties, services are often quite cheaper than in the developed countries. Good healthcare, insurance, legal services and so forth can be found for reasonable prices. In all, one can live comfortably any where in Ghana relatively low. Keep in mind that costs vary wildly according to location, and these amounts could mean the difference between you living like a king in the jungle or living happy and content in tourist heaven.