Cost of Living Comparison Between Koh Phan Ghan and Surat Thani Cost of Living Comparison Between Koh Phan Ghan and Surat Thani

Monthly Cost of Living

Monthly costs for one person with rent: $1,069 in Koh Phan Ghan versus $806 in Surat Thani.

Estimated couple costs with rent: $1,729 in Koh Phan Ghan versus $1,435 in Surat Thani.

Monthly costs for a family of three with rent: $2,389 in Koh Phan Ghan versus $2,063 in Surat Thani.

Living in Koh Phan Ghan is roughly 33% more expensive than in Surat Thani, driven mainly by Eating Out.

Both cities sit below the global median: Koh Phan Ghan 22% lower, Surat Thani 41% lower.

Meal at Budget Restaurant

$4.18 ฿137

$1.94 ฿63.9

115.46%

Three-Course Dinner for Two, Mid-Range

$29.44 ฿968

$18.12 ฿596

62.47%

Fast Food Meal (McDonalds, etc)

$8.09 ฿266

$4.48 ฿147

80.58%

Cappuccino

$2.62 ฿86.0

$1.52 ฿49.93

72.37%

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

$0.75 ฿24.72

$0.48 ฿15.69

56.25%

Water (0.33 liter bottle)

$0.40 ฿13.27

$0.30 ฿9.85

33.33%

Local Beer (0.5 liter draught)

$2.16 ฿71.0

$2.51 ฿82.6

-13.94%

Imported Beer (0.33 liter bottle)

$3.49 ฿115

$3.74 ฿123

-6.68%

Milk (1 liter)

$1.77 ฿58.3

$1.84 ฿60.6

-3.80%

White Bread (500g)

$1.33 ฿43.86

$1.22 ฿39.99

9.02%

Rice (white) (1kg)

$1.47 ฿48.20

$1.21 ฿39.67

21.49%

Eggs

$2.11 ฿69.2

$1.95 ฿64.0

8.21%

Local Cheese (1kg)

$18.42 ฿606

$19.59 ฿644

-5.97%

Chicken Fillets (1kg)

$3.27 ฿108

$3.53 ฿116

-7.37%

Beef Round Steak (1kg)

$10.93 ฿359

$7.72 ฿254

41.58%

Apples (1kg)

$2.73 ฿89.6

$2.93 ฿96.4

-6.83%

Banana (1kg)

$1.53 ฿50.1

$1.65 ฿54.2

-7.27%

Oranges (1kg)

$2.15 ฿70.5

$1.79 ฿58.8

20.11%

Tomato (1kg)

$1.96 ฿64.5

$2.20 ฿72.3

-10.91%

Potato (1kg)

$1.40 ฿46.06

$1.34 ฿44.19

4.48%

Onion (1kg)

$1.32 ฿43.48

$1.41 ฿46.45

-6.38%

Lettuce (1 head)

$1.06 ฿34.90

$1.15 ฿37.75

-7.83%

Water (1.5 liter bottle)

$0.54 ฿17.74

$0.41 ฿13.49

31.71%

Cigarettes 20 Pack (Marlboro, Camel)

$4.27 ฿140

$3.04 ฿99.8

40.46%

Wine (Bottle)

$17.63 ฿580

$19.08 ฿628

-7.60%

Local Beer (0.5 liter bottle)

$1.69 ฿55.6

$1.57 ฿51.5

7.64%

Imported Beer (0.33 liter bottle)

$2.77 ฿91.2

$1.79 ฿58.9

54.75%

One-way Ticket (Public Transport)

$2.07 ฿68.0

$1.08 ฿35.58

91.67%

Public Transport Monthly Pass (Regular Price)

$21.27 ฿699

Taxi Start (Normal Tariff)

$2.65 ฿87.1

$1.19 ฿39.24

122.69%

Taxi (Normal Tariff) (1km)

$0.98 ฿32.09

$0.63 ฿20.82

55.56%

Taxi 1hour Waiting (Normal Tariff)

$3.50 ฿115

$3.62 ฿119

-3.31%

Gasoline (1 liter)

$1.29 ฿42.47

$1.25 ฿41.17

3.20%

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

$24.6K ฿807.9K

$27.0K ฿888.9K

-9.11%

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

$24.2K ฿796.4K

$27.7K ฿909.4K

-12.43%

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

$103 ฿3,374

$76.1 ฿2,502

34.85%

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

$11.24 ฿370

$11.50 ฿378

-2.26%

Internet (50+ Mbps, Unlimited Data)

$17.29 ฿569

$17.44 ฿573

-0.86%

Gym Membership (Monthly)

$52.8 ฿1,736

$48.94 ฿1,609

7.87%

Tennis Court (1 Hour on Weekend)

$11.10 ฿365

$14.57 ฿479

-23.82%

Cinema Ticket

$7.64 ฿251

$4.55 ฿150

67.91%

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

$573 ฿18.8K

$574 ฿18.9K

-0.11%

International Primary School, 1 Child (Yearly)

$11.7K ฿383.7K

$11.7K ฿385.0K

-0.34%

Jeans (Levis 501 Or Similar)

$63.4 ฿2,084

$65.0 ฿2,138

-2.52%

Summer Dress (H&M, Zara, etc)

$29.29 ฿963

$29.70 ฿976

-1.38%

Sport Shoes (Adidas, Nike)

$97.1 ฿3,194

$97.6 ฿3,208

-0.45%

Men's Leather Business Shoes

$90.6 ฿2,980

$88.8 ฿2,920

2.05%

1-bedroom Apartment, City Center (Monthly)

$522 ฿17.2K

$241 ฿7,926

116.53%

1-bedroom Apartment, Outside City Center (Monthly)

$339 ฿11.2K

$152 ฿5,002

123.04%

3-bedroom Apartment, City Center (Monthly)

$1,460 ฿48.0K

$1,240 ฿40.8K

17.80%

3-bedroom Apartment, Outside City Center (Monthly)

$869 ฿28.6K

$715 ฿23.5K

21.41%

Buy Apartment in City Center (m2)

$2,461 ฿80.9K

$2,026 ฿66.6K

21.46%

Buy Apartment Outside City Center (m2)

$1,830 ฿60.2K

$1,621 ฿53.3K

12.85%

Average Monthly Net Salary (After Tax)

$741 ฿24.4K

20-Year Fixed Mortgage Interest Rate (Annual %)

5.57

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

Last update for Koh Phan Ghan: August 31, 2026

Last update for Surat Thani: August 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $522 in Koh Phan Ghan and $241 in Surat Thani. Housing cost is often the main lever when comparing two cities.

Dining out: $29.00 in Koh Phan Ghan vs $18.00 in Surat Thani for a mid-range dinner for two. Groceries echo the gap at $258 vs $251 per month, with Surat Thani 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 Surat Thani: Cost of Living - Frequently Asked Questions

Koh Phan Ghan and Surat Thani differ by about 33% in total monthly costs ($1,069 vs $806 including rent). Surat Thani is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $1,603 in Koh Phan Ghan and $1,209 in Surat Thani to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $522 in Koh Phan Ghan versus $241 in Surat Thani. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 3% higher in Koh Phan Ghan. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,069 per month in Koh Phan Ghan versus $806 in Surat Thani – a 33% gap that adds up to real savings over time for anyone picking the cheaper option.

At $806 in Surat Thani versus $1,069 in Koh Phan Ghan, a $2,000 budget is realistic in Surat Thani but tight or insufficient in Koh Phan Ghan. The gap between the two cities makes Surat Thani 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 Surat Thani 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 Surat Thani gentler on the wallet – expenses run 33% less than in Koh Phan Ghan. Beyond cost, consider language, visa policies, and how big the international community is in each city.