Cost of Living Comparison Between Cha-am and Koh Phan Ghan Cost of Living Comparison Between Cha-am and Koh Phan Ghan

Monthly Cost of Living

Monthly costs for one person with rent: $923 in Cha-am versus $1,061 in Koh Phan Ghan.

Estimated couple costs with rent: $1,404 in Cha-am versus $1,908 in Koh Phan Ghan.

Monthly costs for a family of three with rent: $1,884 in Cha-am versus $2,754 in Koh Phan Ghan.

Living in Cha-am costs roughly 13% less than in Koh Phan Ghan, driven mainly by Clothing & Footwear.

Both cities sit below the global median: Cha-am 31% lower, Koh Phan Ghan 21% lower.

Meal at Budget Restaurant

$3.15 ฿106

$4.07 ฿137

-22.60%

Three-Course Dinner for Two, Mid-Range

$21.45 ฿722

$42.11 ฿1,417

-49.06%

Fast Food Meal (McDonalds, etc)

$8.72 ฿293

$7.60 ฿256

14.74%

Cappuccino

$2.09 ฿70.4

$2.63 ฿88.5

-20.53%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$0.64 ฿21.62

$0.62 ฿20.85

3.23%

Water (0.33 liter bottle)

$0.42 ฿14.00

$0.35 ฿11.87

20.00%

Local Beer (0.5 liter draught)

$2.43 ฿81.7

$2.27 ฿76.2

7.05%

Imported Beer (0.33 liter bottle)

$3.77 ฿127

$3.26 ฿110

15.64%

Milk (1 liter)

$1.76 ฿59.1

$2.13 ฿71.5

-17.37%

White Bread (500g)

$1.37 ฿46.01

$1.73 ฿58.1

-20.81%

Rice (white) (1kg)

$1.26 ฿42.37

$2.14 ฿71.9

-41.12%

Eggs

$1.84 ฿61.8

$2.12 ฿71.5

-13.21%

Local Cheese (1kg)

$13.58 ฿457

$18.40 ฿619

-26.20%

Chicken Fillets (1kg)

$3.41 ฿115

$3.57 ฿120

-4.48%

Beef Round Steak (1kg)

$10.75 ฿362

$12.48 ฿420

-13.86%

Apples (1kg)

$3.01 ฿101

$3.23 ฿109

-6.81%

Banana (1kg)

$1.34 ฿45.01

$1.61 ฿54.3

-16.77%

Oranges (1kg)

$1.87 ฿62.9

$2.29 ฿76.9

-18.34%

Tomato (1kg)

$1.50 ฿50.4

$1.92 ฿64.6

-21.87%

Potato (1kg)

$1.69 ฿56.7

$1.46 ฿49.02

15.75%

Onion (1kg)

$1.21 ฿40.70

$1.39 ฿46.64

-12.95%

Lettuce (1 head)

$1.21 ฿40.78

$0.98 ฿32.82

23.47%

Water (1.5 liter bottle)

$0.42 ฿14.10

$0.49 ฿16.59

-14.29%

Cigarettes 20 Pack (Marlboro, Camel)

$4.71 ฿159

$4.07 ฿137

15.72%

Wine (Bottle)

$16.64 ฿560

$17.94 ฿604

-7.25%

Local Beer (0.5 liter bottle)

$1.84 ฿62.0

$1.69 ฿56.9

8.88%

Imported Beer (0.33 liter bottle)

$3.55 ฿119

$2.61 ฿87.7

36.02%

One-way Ticket (Public Transport)

$0.90 ฿30.27

$1.28 ฿43.24

-29.69%

Taxi Start (Normal Tariff)

$1.10 ฿36.90

$2.70 ฿90.8

-59.26%

Taxi (Normal Tariff) (1km)

$0.76 ฿25.46

$0.93 ฿31.34

-18.28%

Taxi 1hour Waiting (Normal Tariff)

$3.43 ฿115

$12.52 ฿421

-72.60%

Gasoline (1 liter)

$1.29 ฿43.57

$1.23 ฿41.28

4.88%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$19.9K ฿668.5K

$24.8K ฿833.8K

-19.83%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$20.7K ฿697.8K

$29.7K ฿1.0M

-30.22%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$73.2 ฿2,462

$122 ฿4,097

-39.91%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$12.91 ฿434

$13.51 ฿455

-4.44%

Internet (50+ Mbps, Unlimited Data)

$18.12 ฿610

$18.67 ฿628

-2.95%

Gym Membership (Monthly)

$24.45 ฿823

$61.8 ฿2,079

-60.43%

Tennis Court (1 Hour on Weekend)

$12.42 ฿418

$17.15 ฿577

-27.58%

Cinema Ticket

$7.67 ฿258

$8.66 ฿292

-11.43%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$136 ฿4,579

$700 ฿23.5K

-80.55%

International Primary School, 1 Child (Yearly)

$9,318 ฿313.5K

$15.8K ฿532.3K

-41.09%

Jeans (Levis 501 Or Similar)

$29.85 ฿1,005

$58.9 ฿1,980

-49.28%

Summer Dress (H&M, Zara, etc)

$19.69 ฿663

$34.51 ฿1,161

-42.94%

Sport Shoes (Adidas, Nike)

$61.1 ฿2,057

$117 ฿3,935

-47.71%

Men's Leather Business Shoes

$43.22 ฿1,454

$84.2 ฿2,832

-48.65%

1-bedroom Apartment, City Center (Monthly)

$455 ฿15.3K

$438 ฿14.8K

3.71%

1-bedroom Apartment, Outside City Center (Monthly)

$374 ฿12.6K

$309 ฿10.4K

20.97%

3-bedroom Apartment, City Center (Monthly)

$776 ฿26.1K

$1,438 ฿48.4K

-46.06%

3-bedroom Apartment, Outside City Center (Monthly)

$690 ฿23.2K

$1,043 ฿35.1K

-33.83%

Buy Apartment in City Center (m2)

$2,510 ฿84.5K

Buy Apartment Outside City Center (m2)

$1,776 ฿59.8K

Average Monthly Net Salary (After Tax)

$357 ฿12.0K

$721 ฿24.3K

-50.50%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.45

5.33

2.25%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Cha-am: July 12, 2026

Last update for Koh Phan Ghan: July 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $455 in Cha-am and $438 in Koh Phan Ghan. Housing cost is often the main lever when comparing two cities.

Koh Phan Ghan pays 102% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $21.00 in Cha-am vs $42.00 in Koh Phan Ghan for a mid-range dinner for two. Groceries echo the gap at $239 vs $277 per month, with Cha-am cheaper across the board.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Cha-am vs Koh Phan Ghan: Cost of Living - Frequently Asked Questions

Cha-am and Koh Phan Ghan differ by about 15% in total monthly costs ($923 vs $1,061 including rent). Cha-am is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 102% lower in Koh Phan Ghan. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $455 in Cha-am versus $438 in Koh Phan Ghan. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $136 in Cha-am versus $700 in Koh Phan Ghan. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Cha-am – a meal for two runs $21.00 versus $42.00 in Koh Phan Ghan. If you eat out regularly, this makes a real dent in your monthly spending.

At $923 in Cha-am versus $1,061 in Koh Phan Ghan, a $2,000 budget is realistic in Cha-am but tight or insufficient in Koh Phan Ghan. The gap between the two cities makes Cha-am the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Cha-am and Koh Phan Ghan are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Cha-am gentler on the wallet – expenses run 15% less than in Koh Phan Ghan. Beyond cost, consider language, visa policies, and how big the international community is in each city.