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: $1,096 in Koh Phan Ghan versus $922 in Cha-am.

Estimated couple costs with rent: $1,945 in Koh Phan Ghan versus $1,416 in Cha-am.

Monthly costs for a family of three with rent: $2,794 in Koh Phan Ghan versus $1,909 in Cha-am.

Living in Koh Phan Ghan is roughly 19% more expensive than Cha-am, driven mainly by Clothing & Footwear.

Both cities sit below the global median: Koh Phan Ghan 18% lower, Cha-am 31% lower.

Meal at Budget Restaurant

$4.22 ฿138

$3.00 ฿98.1

40.67%

Three-Course Dinner for Two, Mid-Range

$41.00 ฿1,340

$21.36 ฿698

91.95%

Fast Food Meal (McDonalds, etc)

$7.88 ฿258

$9.02 ฿295

-12.64%

Cappuccino

$2.76 ฿90.4

$2.03 ฿66.3

35.96%

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

$0.61 ฿19.97

$0.64 ฿20.97

-4.69%

Water (0.33 liter bottle)

$0.36 ฿11.64

$0.45 ฿14.71

-20.00%

Local Beer (0.5 liter draught)

$2.25 ฿73.4

$2.53 ฿82.6

-11.07%

Imported Beer (0.33 liter bottle)

$3.35 ฿109

$3.80 ฿124

-11.84%

Milk (1 liter)

$2.05 ฿67.0

$1.75 ฿57.4

17.14%

White Bread (500g)

$1.75 ฿57.1

$1.39 ฿45.45

25.90%

Rice (white) (1kg)

$2.08 ฿68.1

$1.26 ฿41.26

65.08%

Eggs

$2.12 ฿69.3

$1.83 ฿59.7

15.85%

Local Cheese (1kg)

$18.91 ฿618

$13.48 ฿441

40.28%

Chicken Fillets (1kg)

$3.60 ฿118

$3.26 ฿107

10.43%

Beef Round Steak (1kg)

$12.82 ฿419

$11.00 ฿360

16.55%

Apples (1kg)

$3.16 ฿103

Banana (1kg)

$1.54 ฿50.4

$1.34 ฿43.92

14.93%

Oranges (1kg)

$2.29 ฿75.0

$1.89 ฿61.8

21.16%

Tomato (1kg)

$1.91 ฿62.5

$1.51 ฿49.44

26.49%

Potato (1kg)

$1.46 ฿47.66

$1.68 ฿54.9

-13.10%

Onion (1kg)

$1.43 ฿46.76

$1.27 ฿41.43

12.60%

Lettuce (1 head)

$0.92 ฿29.96

$1.22 ฿39.80

-24.59%

Water (1.5 liter bottle)

$0.49 ฿16.09

$0.46 ฿14.88

6.52%

Cigarettes 20 Pack (Marlboro, Camel)

$4.24 ฿139

$4.64 ฿152

-8.62%

Wine (Bottle)

$18.11 ฿592

$16.61 ฿543

9.03%

Local Beer (0.5 liter bottle)

$1.73 ฿56.7

$1.81 ฿59.1

-4.42%

Imported Beer (0.33 liter bottle)

$2.56 ฿83.7

$3.53 ฿115

-27.48%

One-way Ticket (Public Transport)

$1.27 ฿41.45

$0.88 ฿28.75

44.32%

Taxi Start (Normal Tariff)

$2.69 ฿87.9

$1.05 ฿34.47

156.19%

Taxi (Normal Tariff) (1km)

$0.87 ฿28.60

$0.75 ฿24.62

16.00%

Taxi 1hour Waiting (Normal Tariff)

$12.31 ฿402

$3.37 ฿110

265.28%

Gasoline (1 liter)

$1.17 ฿38.27

$1.32 ฿43.18

-11.36%

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

$24.7K ฿805.9K

$20.0K ฿654.4K

23.14%

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

$30.5K ฿998.2K

$20.7K ฿676.1K

47.64%

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

$122 ฿3,987

$73.3 ฿2,397

66.37%

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

$13.49 ฿441

$13.18 ฿431

2.35%

Internet (50+ Mbps, Unlimited Data)

$18.78 ฿614

$18.40 ฿602

2.07%

Gym Membership (Monthly)

$60.1 ฿1,966

$24.52 ฿801

145.27%

Tennis Court (1 Hour on Weekend)

$16.94 ฿554

$12.42 ฿406

36.39%

Cinema Ticket

$9.15 ฿299

$7.81 ฿255

17.16%

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

$693 ฿22.6K

$141 ฿4,595

392.66%

International Primary School, 1 Child (Yearly)

$16.0K ฿522.7K

$9,354 ฿305.8K

70.93%

Jeans (Levis 501 Or Similar)

$57.9 ฿1,893

$29.97 ฿980

93.26%

Summer Dress (H&M, Zara, etc)

$34.07 ฿1,114

$19.69 ฿644

73.03%

Sport Shoes (Adidas, Nike)

$116 ฿3,778

$61.9 ฿2,025

86.61%

Men's Leather Business Shoes

$83.4 ฿2,726

$43.07 ฿1,408

93.59%

1-bedroom Apartment, City Center (Monthly)

$425 ฿13.9K

$455 ฿14.9K

-6.52%

1-bedroom Apartment, Outside City Center (Monthly)

$313 ฿10.2K

$368 ฿12.0K

-14.90%

3-bedroom Apartment, City Center (Monthly)

$1,432 ฿46.8K

$783 ฿25.6K

82.80%

3-bedroom Apartment, Outside City Center (Monthly)

$1,044 ฿34.1K

$689 ฿22.5K

51.43%

Buy Apartment in City Center (m2)

$2,558 ฿83.6K

Buy Apartment Outside City Center (m2)

$1,826 ฿59.7K

Average Monthly Net Salary (After Tax)

$744 ฿24.3K

$368 ฿12.0K

101.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.33

5.45

-2.20%

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

Last update for Koh Phan Ghan: May 31, 2026

Last update for Cha-am: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $425 in Koh Phan Ghan and $455 in Cha-am. 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: $41.00 in Koh Phan Ghan vs $21.00 in Cha-am for a mid-range dinner for two. Groceries echo the gap at $279 vs $240 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 19% in total monthly costs ($1,096 vs $922 including rent). Cha-am is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Koh Phan Ghan pays 102% more on average, 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: $425 in Koh Phan Ghan versus $455 in Cha-am. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $693 in Koh Phan Ghan versus $141 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 $21.00 versus $41.00 in Koh Phan Ghan. If you eat out regularly, this makes a real dent in your monthly spending.

At $922 in Cha-am versus $1,096 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 19% less than in Koh Phan Ghan. Beyond cost, consider language, visa policies, and how big the international community is in each city.