How to Rent an Apartment with Low Income in Accra: A Practical Guide

Renting an apartment with a low income in Accra can be challenging, especially with rising rental prices and demand for affordable housing. However, with the right strategies, careful planning, and smart budgeting, you can find a suitable apartment that fits your financial situation.

This guide provides practical tips on how to secure an affordable apartment in Accra, including where to look, how to negotiate rent, and alternative housing options.

1. Set a Realistic Rental Budget

Before starting your apartment search, determine how much rent you can afford based on your income.

How to Calculate an Affordable Rent Budget:

• Follow the 30% rule, meaning your rent should not exceed 30% of your monthly income.
• Consider additional expenses such as utilities, transportation, and food.
• Save for a security deposit and initial rent payments before committing to a lease.

If your income does not meet the rent requirement, consider shared housing or alternative financing options.

2. Search for Affordable Apartments in Accra

Finding budget-friendly rentals requires searching in the right locations and using multiple resources.

Best Places to Find Low-Cost Apartments in Accra:

• Apartments.com.gh – Ghana’s leading property listing platform with rental filters.
• Online Classifieds – Websites like Jiji Ghana and Tonaton feature private listings.
• Social Media & WhatsApp Groups – Many landlords advertise directly on Facebook and WhatsApp rental groups.
• Local Real Estate Agents – Some agents specialize in affordable housing options.

Most Affordable Areas in Accra for Renters:

• Kasoa
• Amasaman
• Adenta
• Madina
• Achimota
• Pokuase

Searching in these areas can increase your chances of finding a low-cost rental.

3. Consider Alternative Housing Options

If renting a full apartment is too expensive, explore different living arrangements.

Affordable Housing Alternatives:

• Shared Apartments – Rent a room in a shared apartment to reduce costs.
• Self-Contained Single Rooms – Small, private units that are cheaper than full apartments.
• Hostels & Co-Living Spaces – Some hostels in Accra offer long-term rental options.
• Family or Friend Housing – Temporarily staying with family while saving for rent.

These options can help you secure accommodation within your budget.

4. Negotiate Rent with Landlords

Many landlords in Accra are open to negotiation, especially if their apartment has been vacant for a while.

Tips for Negotiating a Lower Rent:

• Offer to pay several months upfront if possible.
• Show proof of stable income or reliable employment.
• Ask if the landlord can reduce upfront payments such as security deposits.
• Look for apartments that have been on the market for a long time – landlords may be willing to lower rent.

Being a responsible and long-term tenant can make a landlord more willing to offer a discount.

5. Look for Rent-to-Own and Flexible Payment Options

Some property developers and landlords offer rent-to-own schemes or flexible payment plans for tenants.

How Rent-to-Own Works:

• A portion of your rent is saved towards eventually owning the apartment.
• Some developers in Accra provide installment plans for homeownership.
• Ideal for those looking to transition from renting to owning a home.

If this option is available, it can be a good long-term housing solution.

6. Reduce Living Expenses to Afford Rent

Cutting down on unnecessary expenses can free up more money for rent.

Ways to Save Money for Rent:

• Reduce spending on non-essential items such as dining out or entertainment.
• Use public transport instead of owning a car or frequently using ride-hailing services.
• Buy groceries in bulk to save money on food expenses.
• Take on a side job or freelance work to increase income.

These small adjustments can make a big difference in affording a stable home.

7. Be Cautious of Rental Scams

With high demand for affordable housing, rental scams are common in Accra.

How to Avoid Rental Scams:

• Never pay money before seeing the apartment in person.
• Verify the landlord’s identity and confirm ownership of the property.
• Avoid deals that sound too good to be true – extremely cheap rentals may be fraudulent.
• Use trusted platforms like Apartments.com.gh for verified listings.

Being cautious can help prevent financial losses and housing issues.

8. Use Apartments.com.gh to Find Affordable Rentals

Apartments.com.gh makes finding budget-friendly apartments in Accra easier by offering a wide range of listings.

Why Choose Apartments.com.gh?

• Search by Budget: Find apartments that match your income level.
• Verified Listings: Avoid scams and access trusted rental options.
• Easy Contact with Landlords: Connect directly with property owners.

Start your apartment search at Apartments.com.gh and find an affordable home today.

Conclusion

Renting an apartment with a low income in Accra requires planning, research, and negotiation. By setting a realistic budget, exploring affordable locations, and considering shared housing, you can find a suitable place to live.

Using Apartments.com.gh can simplify your search for a low-cost apartment. Begin your search today and secure a comfortable and affordable home in Accra.