Why Choose an Apartment When Retiring to Ghana?
Retiring to Ghana? An apartment in Airport Residential puts hospitals, schools, and dining within 5 to 20 minutes, per Ownkey’s area guide. Most buildings have 24-hour security, CCTV, and controlled access. Ownkey budgets $1,500 to $3,000 per month for a retiree in Accra, per its relocating to Ghana guide.
What Does Retirement Cost in Accra?
| Item | Figure | Source |
|---|---|---|
| Retiree budget, Accra | $1,500 to $3,000 per month | Ownkey |
| Retiree budget, Kumasi | $800 to $1,500 per month | Ownkey |
| Comfortable expat lifestyle | $2,750 to $4,100 per month | Ownkey 2026 estimate |
Ownkey calls Kumasi housing 60% cheaper than comparable Accra housing. Kumasi is a 4 to 5 hour drive from Accra.
Should You Rent or Buy in Accra?
Two-bedroom apartments in Airport Residential rent for $1,800 to $3,500 per month, per Ownkey. Ownkey reports 12 months of advance rent as standard in the area. A $2,000 per month apartment needs $24,000 upfront. Ownkey advises retirees to negotiate, because a long-term retiree tenant is a valuable tenant.
The Rent Act caps advance rent at six months for residential property. Landlords often ask for more in practice. Ask your lawyer to check the lease.
Buying removes the advance. Regalia studios start from $107,000 including VAT, with payment plans. Read the costs of owning an Accra apartment before you compare the two.
What Do the Residence Rules Say?
Ownkey says Ghana has no formal retirement visa. Retirees use a tourist visa with a renewable residence permit, or Right of Abode if eligible. Mondaq’s guide describes a retiree permit with these terms:
- You show sufficient funds to support yourself, such as a bank statement or a lease.
- The permit runs up to 4 years at first and up to 8 years in total after renewal.
- You hold no paid work or business under the permit.
- Two guarantors sign a bond.
Rules change. Confirm the current terms with the Ghana Immigration Service or an immigration lawyer.
What Do Non-Ghanaians Own in Ghana?
Non-citizens in the diaspora hold leaseholds of up to 50 years, per Ownkey. Ghanaian citizens and dual nationals hold 99-year leaseholds and access cedi mortgages. Read leasehold explained for non-Ghanaians for the terms.
How Close Are Hospitals to Airport Residential?
Nyaho Medical Centre sits a 5-minute drive away and 37 Military Hospital a 10-minute drive, per Ownkey. Regalia quotes 8 minutes to 37 Military Hospital. Times depend on traffic. Read living in Airport Residential for schools, dining, and travel times.
Where Does Regalia Residence Fit?
Regalia Residence is an off-plan development by Imaani Homes in Airport Residential Area, Accra, 3 minutes from the airport. Regalia includes full backup power, a rooftop pool, a gym, and a 24-hour concierge. Studios start from $107,000 including VAT. Pricing is in USD. Imaani Homes offers payment plans built for buyers who earn abroad.
Request the Regalia price list or message the sales team on WhatsApp at +233 595 959595.
Frequently Asked Questions
Is there a retirement visa for Ghana?
Ownkey says no formal retirement visa exists. Retirees use a tourist visa with a renewable residence permit, or Right of Abode if eligible. Mondaq describes a retiree permit valid up to 4 years at first. Confirm current rules with the Ghana Immigration Service.
How much does retirement cost in Accra?
Ownkey budgets $1,500 to $3,000 per month for a retiree in Accra and $800 to $1,500 in Kumasi.
How much advance rent do landlords ask in Airport Residential?
Ownkey reports 12 months as standard. The Rent Act caps advance rent at six months for residential property.
Do non-Ghanaians own property in Ghana?
Non-citizens in the diaspora hold leaseholds of up to 50 years. Ghanaian citizens and dual nationals hold 99-year leaseholds, per Ownkey.
Which hospitals are near Airport Residential?
Nyaho Medical Centre is a 5-minute drive and 37 Military Hospital a 10-minute drive, per Ownkey. Regalia quotes 8 minutes to 37 Military Hospital.
Sources
Data as of 25 October 2026.
