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

Monthly Cost of Living

Monthly costs for one person with rent: $1,071 in Koh Phan Ghan versus $910 in Cha-am.

Estimated couple costs with rent: $1,770 in Koh Phan Ghan versus $1,464 in Cha-am.

Monthly costs for a family of three with rent: $2,469 in Koh Phan Ghan versus $2,018 in Cha-am.

Living in Koh Phan Ghan is roughly 18% more expensive than in Cha-am, driven mainly by Clothing & Footwear.

Both cities sit below the global median: Koh Phan Ghan 22% lower, Cha-am 34% lower.

Meal at Budget Restaurant

$4.19 ฿138

$3.14 ฿104

33.44%

Three-Course Dinner for Two, Mid-Range

$29.63 ฿979

$21.86 ฿722

35.54%

Fast Food Meal (McDonalds, etc)

$7.81 ฿258

$7.43 ฿246

5.11%

Cappuccino

$2.55 ฿84.3

$2.10 ฿69.3

21.43%

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

$0.76 ฿25.04

$0.70 ฿23.15

8.57%

Water (0.33 liter bottle)

$0.41 ฿13.49

$0.32 ฿10.74

28.12%

Local Beer (0.5 liter draught)

$2.13 ฿70.3

$2.40 ฿79.1

-11.25%

Imported Beer (0.33 liter bottle)

$3.45 ฿114

$2.97 ฿98.3

16.16%

Milk (1 liter)

$1.76 ฿58.1

$1.75 ฿57.7

0.57%

White Bread (500g)

$1.40 ฿46.29

$1.50 ฿49.68

-6.67%

Rice (white) (1kg)

$1.52 ฿50.4

$1.42 ฿46.88

7.04%

Eggs

$2.11 ฿69.9

$1.88 ฿62.3

12.23%

Local Cheese (1kg)

$18.82 ฿622

$12.57 ฿415

49.72%

Chicken Fillets (1kg)

$3.28 ฿108

$2.65 ฿87.5

23.77%

Beef Round Steak (1kg)

$10.77 ฿356

$10.51 ฿347

2.47%

Apples (1kg)

$2.87 ฿94.8

$3.59 ฿119

-20.06%

Banana (1kg)

$1.64 ฿54.1

$1.25 ฿41.24

31.20%

Oranges (1kg)

$2.16 ฿71.5

$1.92 ฿63.4

12.50%

Tomato (1kg)

$1.98 ฿65.5

$1.87 ฿61.7

5.88%

Potato (1kg)

$1.47 ฿48.64

$1.79 ฿59.3

-17.88%

Onion (1kg)

$1.29 ฿42.51

$1.07 ฿35.46

20.56%

Lettuce (1 head)

$1.09 ฿36.00

$1.19 ฿39.16

-8.40%

Water (1.5 liter bottle)

$0.56 ฿18.57

$0.43 ฿14.11

30.23%

Cigarettes 20 Pack (Marlboro, Camel)

$4.15 ฿137

$4.39 ฿145

-5.47%

Wine (Bottle)

$18.31 ฿605

$18.15 ฿600

0.88%

Local Beer (0.5 liter bottle)

$1.71 ฿56.6

Imported Beer (0.33 liter bottle)

$2.78 ฿91.8

$3.08 ฿102

-9.74%

One-way Ticket (Public Transport)

$2.03 ฿67.2

$0.89 ฿29.48

128.09%

Public Transport Monthly Pass (Regular Price)

$22.37 ฿739

Taxi Start (Normal Tariff)

$2.78 ฿92.0

$1.41 ฿46.46

97.16%

Taxi (Normal Tariff) (1km)

$0.98 ฿32.25

$1.15 ฿37.88

-14.78%

Taxi 1hour Waiting (Normal Tariff)

$3.54 ฿117

$3.62 ฿120

-2.21%

Gasoline (1 liter)

$1.34 ฿44.30

$1.41 ฿46.47

-4.96%

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

$24.7K ฿815.7K

$16.8K ฿556.3K

46.63%

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

$24.6K ฿814.4K

$27.2K ฿899.9K

-9.50%

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

$104 ฿3,424

$84.2 ฿2,782

23.05%

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

$11.43 ฿378

$11.67 ฿386

-2.06%

Internet (50+ Mbps, Unlimited Data)

$17.69 ฿585

$23.03 ฿761

-23.19%

Gym Membership (Monthly)

$53.0 ฿1,752

$23.92 ฿790

121.70%

Tennis Court (1 Hour on Weekend)

$11.02 ฿364

$6.15 ฿203

79.19%

Cinema Ticket

$7.84 ฿259

$6.65 ฿220

17.89%

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

$571 ฿18.9K

$637 ฿21.1K

-10.32%

International Primary School, 1 Child (Yearly)

$11.8K ฿390.4K

$10.9K ฿360.6K

8.27%

Jeans (Levis 501 Or Similar)

$65.4 ฿2,159

$52.1 ฿1,722

25.38%

Summer Dress (H&M, Zara, etc)

$29.41 ฿972

$29.55 ฿976

-0.47%

Sport Shoes (Adidas, Nike)

$96.6 ฿3,191

$72.2 ฿2,387

33.68%

Men's Leather Business Shoes

$90.6 ฿2,992

$55.2 ฿1,825

63.96%

1-bedroom Apartment, City Center (Monthly)

$513 ฿17.0K

$387 ฿12.8K

32.77%

1-bedroom Apartment, Outside City Center (Monthly)

$342 ฿11.3K

$276 ฿9,128

23.81%

3-bedroom Apartment, City Center (Monthly)

$1,463 ฿48.3K

$754 ฿24.9K

94.05%

3-bedroom Apartment, Outside City Center (Monthly)

$846 ฿28.0K

$660 ฿21.8K

28.13%

Buy Apartment in City Center (m2)

$2,507 ฿82.8K

Buy Apartment Outside City Center (m2)

$1,812 ฿59.9K

Average Monthly Net Salary (After Tax)

$732 ฿24.2K

$371 ฿12.3K

97.19%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.57

5.96

-6.54%

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

Last update for Koh Phan Ghan: September 7, 2026

Last update for Cha-am: September 7, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $513 in Koh Phan Ghan and $387 in Cha-am. Housing cost is often the main lever when comparing two cities.

Koh Phan Ghan pays 97% 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: $30.00 in Koh Phan Ghan vs $22.00 in Cha-am for a mid-range dinner for two. Groceries echo the gap at $263 vs $239 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

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

Koh Phan Ghan and Cha-am differ by about 18% in total monthly costs ($1,071 vs $910 including rent). Cha-am is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 97% higher in Koh Phan Ghan, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $513 in Koh Phan Ghan versus $387 in Cha-am. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $571 in Koh Phan Ghan versus $637 in Cha-am. 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 $22.00 versus $30.00 in Koh Phan Ghan. If you eat out regularly, this makes a real dent in your monthly spending.

At $910 in Cha-am versus $1,071 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, Koh Phan Ghan and Cha-am 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 18% less than in Koh Phan Ghan. Beyond cost, consider language, visa policies, and how big the international community is in each city.