Cost of Living Comparison Between Koh Phan Ghan and Koh Samui Cost of Living Comparison Between Koh Phan Ghan and Koh Samui

Monthly Cost of Living

Monthly costs for one person with rent: $1,096 in Koh Phan Ghan versus $1,248 in Koh Samui.

Estimated couple costs with rent: $1,945 in Koh Phan Ghan versus $2,238 in Koh Samui.

Monthly costs for a family of three with rent: $2,794 in Koh Phan Ghan versus $3,228 in Koh Samui.

Living in Koh Phan Ghan costs roughly 12% less than in Koh Samui, driven mainly by Getting Around.

Both cities sit below the global median: Koh Phan Ghan 18% lower, Koh Samui 7% lower.

Meal at Budget Restaurant

$4.22 ฿138

$4.63 ฿151

-8.86%

Three-Course Dinner for Two, Mid-Range

$41.00 ฿1,339

$46.36 ฿1,514

-11.56%

Fast Food Meal (McDonalds, etc)

$7.88 ฿257

$8.65 ฿283

-8.90%

Cappuccino

$2.76 ฿90.3

$2.99 ฿97.8

-7.69%

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

$0.61 ฿19.95

$0.70 ฿22.72

-12.86%

Water (0.33 liter bottle)

$0.36 ฿11.63

$0.36 ฿11.81

Local Beer (0.5 liter draught)

$2.25 ฿73.4

$2.44 ฿79.8

-7.79%

Imported Beer (0.33 liter bottle)

$3.35 ฿109

$3.62 ฿118

-7.46%

Milk (1 liter)

$2.05 ฿67.0

$2.22 ฿72.5

-7.66%

White Bread (500g)

$1.75 ฿57.0

$1.89 ฿61.6

-7.41%

Rice (white) (1kg)

$2.08 ฿68.1

$2.20 ฿71.8

-5.45%

Eggs

$2.12 ฿69.2

$2.31 ฿75.3

-8.23%

Local Cheese (1kg)

$18.91 ฿618

$19.75 ฿645

-4.25%

Chicken Fillets (1kg)

$3.60 ฿118

$3.81 ฿124

-5.51%

Beef Round Steak (1kg)

$12.82 ฿419

$13.12 ฿429

-2.29%

Apples (1kg)

$3.16 ฿103

$3.22 ฿105

-1.86%

Banana (1kg)

$1.54 ฿50.4

$1.64 ฿53.7

-6.10%

Oranges (1kg)

$2.29 ฿74.9

$2.38 ฿77.6

-3.78%

Tomato (1kg)

$1.91 ฿62.4

$2.02 ฿66.1

-5.45%

Potato (1kg)

$1.46 ฿47.61

$1.61 ฿52.7

-9.32%

Onion (1kg)

$1.43 ฿46.72

$1.51 ฿49.42

-5.30%

Lettuce (1 head)

$0.92 ฿29.93

$0.99 ฿32.20

-7.07%

Water (1.5 liter bottle)

$0.49 ฿16.08

$0.52 ฿17.06

-5.77%

Cigarettes 20 Pack (Marlboro, Camel)

$4.24 ฿138

$4.38 ฿143

-3.20%

Wine (Bottle)

$18.11 ฿592

$19.45 ฿635

-6.89%

Local Beer (0.5 liter bottle)

$1.73 ฿56.6

$1.76 ฿57.4

-1.70%

Imported Beer (0.33 liter bottle)

$2.56 ฿83.7

$2.67 ฿87.1

-4.12%

One-way Ticket (Public Transport)

$1.27 ฿41.41

$1.43 ฿46.85

-11.19%

Public Transport Monthly Pass (Regular Price)

$45.97 ฿1,501

Taxi Start (Normal Tariff)

$2.69 ฿87.8

$3.16 ฿103

-14.87%

Taxi (Normal Tariff) (1km)

$0.87 ฿28.57

$1.08 ฿35.42

-19.44%

Taxi 1hour Waiting (Normal Tariff)

$12.31 ฿402

$14.42 ฿471

-14.63%

Gasoline (1 liter)

$1.17 ฿38.23

$1.39 ฿45.23

-15.83%

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

$24.7K ฿805.1K

$29.6K ฿968.0K

-16.83%

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

$30.5K ฿997.3K

$35.5K ฿1.2M

-13.87%

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

$122 ฿3,984

$126 ฿4,126

-3.44%

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

$13.49 ฿441

$14.56 ฿476

-7.35%

Internet (50+ Mbps, Unlimited Data)

$18.78 ฿614

$19.37 ฿633

-3.05%

Gym Membership (Monthly)

$60.1 ฿1,964

$64.0 ฿2,089

-5.96%

Tennis Court (1 Hour on Weekend)

$16.94 ฿553

$17.78 ฿581

-4.72%

Cinema Ticket

$9.15 ฿299

$9.43 ฿308

-2.97%

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

$693 ฿22.6K

$767 ฿25.1K

-9.72%

International Primary School, 1 Child (Yearly)

$16.0K ฿522.2K

$17.3K ฿564.3K

-7.46%

Jeans (Levis 501 Or Similar)

$57.9 ฿1,892

$58.4 ฿1,906

-0.77%

Summer Dress (H&M, Zara, etc)

$34.07 ฿1,113

$35.05 ฿1,145

-2.80%

Sport Shoes (Adidas, Nike)

$116 ฿3,775

$116 ฿3,788

-0.36%

Men's Leather Business Shoes

$83.4 ฿2,723

$85.2 ฿2,783

-2.14%

1-bedroom Apartment, City Center (Monthly)

$425 ฿13.9K

$524 ฿17.1K

-18.93%

1-bedroom Apartment, Outside City Center (Monthly)

$313 ฿10.2K

$382 ฿12.5K

-18.02%

3-bedroom Apartment, City Center (Monthly)

$1,432 ฿46.8K

$1,738 ฿56.8K

-17.61%

3-bedroom Apartment, Outside City Center (Monthly)

$1,044 ฿34.1K

$1,243 ฿40.6K

-16.01%

Buy Apartment in City Center (m2)

$2,558 ฿83.5K

$3,123 ฿102.0K

-18.10%

Buy Apartment Outside City Center (m2)

$1,826 ฿59.6K

$2,263 ฿73.9K

-19.32%

Average Monthly Net Salary (After Tax)

$744 ฿24.3K

$402 ฿13.1K

84.90%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.33

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 Koh Samui: May 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $425 in Koh Phan Ghan and $524 in Koh Samui. Housing cost is often the main lever when comparing two cities.

Koh Phan Ghan pays 85% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $41.00 in Koh Phan Ghan vs $46.00 in Koh Samui for a mid-range dinner for two. Groceries echo the gap at $279 vs $293 per month, with Koh Phan Ghan 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 Koh Samui: Cost of Living - Frequently Asked Questions

Koh Phan Ghan and Koh Samui differ by about 14% in total monthly costs ($1,096 vs $1,248 including rent). Koh Phan Ghan is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Koh Phan Ghan pays 85% 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 $524 in Koh Samui. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 5% higher in Koh Samui. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,096 per month in Koh Phan Ghan versus $1,248 in Koh Samui – a 14% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,096 in Koh Phan Ghan versus $1,248 in Koh Samui, a $2,000 budget is realistic in Koh Phan Ghan but tight or insufficient in Koh Samui. The gap between the two cities makes Koh Phan Ghan 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 Koh Samui 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 Koh Phan Ghan gentler on the wallet – expenses run 14% less than in Koh Samui. Beyond cost, consider language, visa policies, and how big the international community is in each city.