Can a non-citizen buy a house or apartment in Ghana?
Yes, current Ghanaian laws permit non-citizens to invest in the real estate industry, allowing them to purchase apartments or houses. While non-citizens can acquire property, specific regulations apply, such as a limitation on leasehold interest duration to fifty years, and expatriates wishing to invest are required to register with the Ghana Investment Promotion Center (GIPC).
Navigating Real Estate Investment for Non-Citizens in Ghana
The real estate market in Ghana is open to all, regardless of citizenship status. Current laws explicitly state that any person with sufficient funds, whether a citizen or not, is eligible to invest in the real estate industry.
However, non-citizens are subject to certain conditions concerning the duration and purpose of holding real estate. Specifically, non-citizens cannot hold a leasehold interest in property that exceeds fifty (50) years.
For expatriates or foreigners looking to purchase properties or invest in Ghana’s real estate sector, an important step is to register with the Ghana Investment Promotion Center (GIPC).
Accra: Ghana’s Prime Location for Luxury Living
Accra stands out as undoubtedly the best place to live in Ghana, especially for those new to the country. The city boasts some of the most desirable residential spots, offering homes that embody luxury and class.
Diverse Property Options in Accra
Apartments for sale or rent in Accra come with varying price ranges, influenced by their location and the duration of stay. Purchasers have a wide selection, including studio, one-bedroom, or two-bedroom apartments, designed for a luxury lifestyle.
The range of available apartment types caters to diverse preferences:
- Studio Apartment
- 1 Bedroom Apartment
- 1 Bedroom Duplex Apartment
- 2 Bedroom Apartment
- 2 Bedroom Duplex Apartment
- Bedroom Apartment
- Bedroom Duplex Apartment
Many of these luxury apartments are fully-furnished and include essential amenities such as fully-equipped kitchens, spacious living areas, concierge services, WiFi, and captivating views.
Explore Premium Developments in Accra
Accra features several breathtaking luxury projects that offer a high standard of living. These developments provide modern facilities and exquisite designs.
KSG Gardens
Starting from $275,000, KSG Gardens offers a prime piece of real estate in Community 14, Sakumono. These properties include a 4-bedroom apartment plus a nanny’s quarters, complemented by amenities such as 24-hour security, high-speed internet connection, backup water supply, a swimming pool, a well-manicured garden, and a standby generator, making it an ideal home.
The Essence
Ranked among Ghana’s top 10 houses for sale in Accra, The Essence provides a luxurious living experience with amenities like a sky lounge, gym, entertaining bar, and an infinity pool. It offers a magnificent view of Accra’s business district and is conveniently accessible from the Tema motorway and the George Walker Bush Highway (N1).
Landlord Boulevard
Located in East Cantonments, Landlord Boulevard is an architectural feat showcasing memorable minimalist design. It offers residents comfort with modern facilities including a well-equipped gym, swimming pool, lounge, standby generator, an exquisite kitchen, concierge, 24-hour security, backup water supply, an outdoor cabana, a well-manicured garden, an elevator, and multi-purpose storage space.
Overview of Available Property Types and Prices
Investing in Accra’s real estate provides a range of options suitable for various budgets and lifestyle needs.
| Property Type | Key Features/Location | Starting Price |
|---|---|---|
| Studio Apartment | Optimally designed for space and light, Accra | $87,980 |
| KSG Gardens (4-bedroom apartment) | Community 14, Sakumono, includes nanny’s quarters, amenities | $275,000 |
| Landlord Africa Range | Studios, 1-4 bedroom apartments, 4 bedroom houses, penthouses in Accra | $88,000 to over $600,000 |
Property Acquisition: Buying Versus Building
When considering property in Accra, a key decision involves whether to build a house from scratch or purchase an existing one.
The Costs and Challenges of Building in Accra
Building a house in Accra depends significantly on your budget, requiring an understanding of both direct and indirect costs. While building in Ghana can be relatively affordable compared to regions like Europe or North America, the process can be stressful due to constantly increasing costs that need to be factored in. Site, labor charges, and raw material outlays can vary across the city, making an accurate initial estimate challenging.
Factoring in all these potential expenses, constructing a home from the ground up can be very stressful and financially draining. For this reason, many find it more advantageous to purchase a house or an apartment from a reputable developer.
Conclusion
For non-citizens, buying a house or apartment in Ghana is entirely permissible under current laws, offering a viable investment opportunity in a vibrant market. Accra, in particular, stands out as a prime location for luxury living with a variety of housing options and modern developments.
While the option to build exists, purchasing a ready-made property often presents a more straightforward and less stressful path to homeownership. With diverse luxury options available, finding a dream home in Accra is a prudent financial and personal decision.

