A multi-grid finite-difference time-domain (FDTD) method was applied for numerical dosimetry analysis in the human head for 5 GHz band portable terminals. By applying fine FDTD grids to the volumes in the human head where the highest electromagnetic (EM) absorption occurs and coarse grids to the remaining volumes of the head, the spatial peak specific absorption rate (SAR) assessment was achieved with a less computation memory and time. The accuracy of applying the multi-grid FDTD method to the spatial peak SAR assessment was checked in comparison with the results obtained from the usual uniform-grid method, and then the spatial peak SARs for three typical situations of a person using a 5.2 GHz band portable terminal were calculated in conjunction with an anatomically based human head model.