Data updated Oct 8, 2026
Best fit: FIRE / Geoarbitrage (score: 67)
Lome, the capital of Togo, sits on the Gulf of Guinea coast at an elevation of 10 meters above sea level. The city experiences a tropical savanna climate with warm temperatures year-round and high humidity. Expats tend to settle in neighborhoods like Cite du Benin and Kodjoviakope, though the overall expat community here is small. English proficiency is limited, so some French or local language ability is helpful for daily life.
Living costs in Lome are low, with a cost of living index of 43 out of 100 compared to New York City. A single adult on a budget tier can get by on $485 per month including rent, while a mid-range tier runs $615 and a comfortable tier is $703. Rents are particularly affordable: a one-bedroom in the city center averages $123 per month, and outside the center it drops to $79. A three-bedroom outside the center is $291, though the same unit in the center jumps to $1,197. The average monthly net salary locally is $299, which is well below what most expats earn. A single person's monthly costs excluding rent come to $550, while a family of four spends about $1,600 excluding rent. Utilities run $146 per month, internet is $43, a mobile phone plan is $21, and a gym membership is $60. An inexpensive restaurant meal costs $3 per person, a mid-range three-course meal for two is $31, and a cappuccino at a restaurant is $6.
Safety is a mixed picture: the safety index sits at 50 out of 100, and the crime index is also 50 out of 100, where a lower crime index is safer. Healthcare quality is rated as poor. These factors contribute to a retiree score of 40 out of 100 and a digital nomad score of 47 out of 100, though the overall expat score is 67 out of 100 and the FIRE score is 69 out of 100. Internet speed averages 10 Mbps, which is workable but not fast by global standards.
For those considering a longer stay, the retirement visa program is the Long Stay 'Visiteur' Visa. The nearest airport is LFW, located 8 kilometers from the city center. Lome suits budget-conscious expats and early retirees focused on stretching their savings, given the low cost of living and the high FIRE score. However, the limited healthcare, modest safety scores, and small expat community mean it is not for everyone.
Get a free moving cost estimate for moving to Lome, Togo. Takes 10 seconds.
How much are you shipping?
When are you moving?
Powered by Sirelo. Free quotes from international movers.
A 1BR in the center runs about $122.84/mo. If your income is in another currency, bank FX fees add up. A multi-currency account can cut that cost.
See low-fee transfersWe may earn a commission at no cost to you.
See how Lome's cost of living compares with Kpalime
(Higher is safer)
(Lower is safer)
Lomé presents a mixed safety picture for expats. During daylight hours, the city feels relatively functional with reasonable foot traffic in commercial areas. However, nighttime walkability is limited—most expats avoid walking alone after dark, relying instead on taxis or private transport. The city's safety reputation is better than some West African capitals, but it's genuinely moderate rather than reassuring. Petty crime and opportunistic theft are normalized rather than exceptional.
Petty theft, bag snatching, and pickpocketing are the primary concerns, especially in crowded markets, beaches, and near transport hubs. Armed robbery occurs but is less common than opportunistic crime. Solo female travelers should exercise caution, particularly at night and in isolated areas; harassment is possible but not epidemic. Avoid displaying valuables, walking alone after sunset, and certain neighborhoods like Tokoin and Bé after dark. Scams targeting foreigners exist but are less sophisticated than in larger regional hubs.
Togo has experienced political tensions and occasional protests, though Lomé itself has remained relatively stable compared to neighboring countries. Police presence is visible but corruption is endemic—don't expect reliable institutional support in emergencies. The government is generally stable, and expat communities exist here, suggesting manageable conditions. However, this is not a low-crime destination. Americans considering relocation should accept moderate vigilance as permanent rather than temporary, and ensure robust travel insurance and emergency contacts before arriving.
Lome has a safety index of 50/100. Petty theft and lost belongings are the most common problems for newcomers. Compare travel insurance before you go.
Compare travel insuranceWe may earn a commission at no cost to you.
See how Lome's healthcare compares with Kpalime
Tropical savanna climate; warm temperatures year-round with high humidity.
Emerging scene with challenges in communication.
| Name | Notes |
|---|---|
| Africa Coworkers | Located at Rue Pya, Djidjolé, Lomé, Togo. |
Names, locations and hours can change. Check each space's website before you visit. Places from © OpenStreetMap contributors and Foursquare Open Source Places (Apache 2.0).
Working remotely from Lome? Nomad health insurance covers you across borders, month to month.
See nomad insuranceWe may earn a commission at no cost to you.
See how Lome's digital nomad life compares with Kpalime
Lomé is a coastal capital where French is primary; the expat community is small and mostly involved in port trade.
Areas of Lome that expats often consider.
Conditions can change from one block to the next, and these descriptions are general guides, not safety assessments. Before choosing where to stay or live, check current travel advisories, talk to people who live there, and visit in person if you can.
Bustling market, central location
Kodjoviakope is known for its large, vibrant market, a central hub for commerce and daily life. It's a lively area, but can be noisy and crowded. While not exclusively expat, its central location and access to amenities make it convenient, though French language skills are helpful.
Residential, quieter, local vibe
Tokoin is a more residential area, offering a glimpse into everyday Togolese life. It's generally quieter than the city center, but less walkable and public transport is essential. It's a good option for those seeking a more authentic experience and lower cost of living, but less convenient for English speakers.
Upscale, residential, coastal access
Nyekonakpoe is considered one of the more upscale areas of Lomé, offering proximity to the beach and a more relaxed atmosphere. You'll find larger homes and some modern apartments here. It's popular with wealthier Togolese and some expats, and is relatively safe, but prices are higher.
Commercial, busy, central business
The downtown area is the heart of Lomé's commercial activity. It's a bustling area with shops, restaurants, and government buildings. While convenient for accessing services, it can be noisy and crowded, and residential options are limited and often more expensive.
With a 1-bedroom in the center at $123/mo, your FIRE number here might be much lower than you think.
Click any question to expand the answer.
Cost-of-living and visa updates for Lome and the rest of Togo. Free with RA Postcards.
By submitting your email address, you will receive a free subscription to RA Postcards and special offers from Rewire Abroad and our affiliates. You can unsubscribe at any time, and we encourage you to read more about our Privacy Policy.