Agricultural extension services play a vital role in Ghana’s vegetable sector modernization and growth agenda. The Government of Ghana has made efforts to enhance extension delivery by improving the Agricultural Extension Agent (AEA)-farmer ratio from 1:1,906 in 2016 to 1:709 in 2020. However, access to extension services remains limited, raising concerns about their reach and effectiveness. This study examines the socio-economic factors influencing farmers’ access to extension services in Ghana, focusing on the role of credit, farmer-based organizations (FBOs), and experience. Specifically, it analyzes the determinants of access using the Tobit model to predict probabilities and expectations associated with corner solution responses. Cross-sectional data were collected from 400 vegetable farmers across selected regions of Ghana. Findings revealed that, on average, a randomly selected vegetable farmer had about a 33% probability of accessing extension services. Key socio-economic factors influencing access included credit availability, FBO membership, household size, and farming experience. The study recommends strengthening and expanding FBOs to improve access, enhancing collaboration between government and financial institutions to facilitate credit, and providing adequate logistical and operational support to district extension directorates to ensure timely and effective service delivery across Ghana.