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

Monthly Cost of Living

Monthly costs for one person with rent: $1,057 in Koh Tao versus $1,069 in Koh Phan Ghan.

Estimated couple costs with rent: $1,760 in Koh Tao versus $1,729 in Koh Phan Ghan.

Monthly costs for a family of three with rent: $2,463 in Koh Tao versus $2,389 in Koh Phan Ghan.

Living in Koh Tao costs roughly 1% less than in Koh Phan Ghan, driven mainly by Eating Out.

Both cities sit below the global median: Koh Tao 23% lower, Koh Phan Ghan 22% lower.

Meal at Budget Restaurant

$3.78 ฿124

$4.18 ฿137

-9.57%

Three-Course Dinner for Two, Mid-Range

$27.72 ฿911

$29.44 ฿968

-5.84%

Fast Food Meal (McDonalds, etc)

$7.49 ฿246

$8.09 ฿266

-7.42%

Cappuccino

$2.44 ฿80.1

$2.62 ฿86.0

-6.87%

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

$0.75 ฿24.69

$0.75 ฿24.72

Water (0.33 liter bottle)

$0.38 ฿12.51

$0.40 ฿13.27

-5.00%

Local Beer (0.5 liter draught)

$2.11 ฿69.3

$2.16 ฿71.0

-2.31%

Imported Beer (0.33 liter bottle)

$3.17 ฿104

$3.49 ฿115

-9.17%

Milk (1 liter)

$1.80 ฿59.2

$1.77 ฿58.3

1.69%

White Bread (500g)

$1.38 ฿45.52

$1.33 ฿43.86

3.76%

Rice (white) (1kg)

$1.51 ฿49.68

$1.47 ฿48.20

2.72%

Eggs

$2.09 ฿68.7

$2.11 ฿69.2

-0.95%

Local Cheese (1kg)

$18.48 ฿608

$18.42 ฿606

0.33%

Chicken Fillets (1kg)

$3.29 ฿108

$3.27 ฿108

0.61%

Beef Round Steak (1kg)

$10.69 ฿351

$10.93 ฿359

-2.20%

Apples (1kg)

$2.83 ฿93.2

$2.73 ฿89.6

3.66%

Banana (1kg)

$1.59 ฿52.2

$1.53 ฿50.1

3.92%

Oranges (1kg)

$2.16 ฿70.9

$2.15 ฿70.5

0.47%

Tomato (1kg)

$2.01 ฿66.0

$1.96 ฿64.5

2.55%

Potato (1kg)

$1.44 ฿47.38

$1.40 ฿46.06

2.86%

Onion (1kg)

$1.32 ฿43.30

$1.32 ฿43.48

Lettuce (1 head)

$1.02 ฿33.62

$1.06 ฿34.90

-3.77%

Water (1.5 liter bottle)

$0.51 ฿16.83

$0.54 ฿17.74

-5.56%

Cigarettes 20 Pack (Marlboro, Camel)

$4.10 ฿135

$4.27 ฿140

-3.98%

Wine (Bottle)

$17.52 ฿576

$17.63 ฿580

-0.62%

Local Beer (0.5 liter bottle)

$1.70 ฿55.9

$1.69 ฿55.6

0.59%

Imported Beer (0.33 liter bottle)

$2.66 ฿87.3

$2.77 ฿91.2

-3.97%

One-way Ticket (Public Transport)

$2.05 ฿67.3

$2.07 ฿68.0

-0.97%

Taxi Start (Normal Tariff)

$2.70 ฿88.7

$2.65 ฿87.1

1.89%

Taxi (Normal Tariff) (1km)

$0.97 ฿32.01

$0.98 ฿32.09

-1.02%

Taxi 1hour Waiting (Normal Tariff)

$3.60 ฿118

$3.50 ฿115

2.86%

Gasoline (1 liter)

$1.35 ฿44.27

$1.29 ฿42.47

4.65%

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

$24.2K ฿795.8K

$24.6K ฿807.9K

-1.49%

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

$24.2K ฿794.8K

$24.2K ฿796.4K

-0.20%

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

$102 ฿3,338

$103 ฿3,374

-1.05%

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

$10.98 ฿361

$11.24 ฿370

-2.31%

Internet (50+ Mbps, Unlimited Data)

$17.74 ฿583

$17.29 ฿569

2.60%

Gym Membership (Monthly)

$55.3 ฿1,817

$52.8 ฿1,736

4.72%

Tennis Court (1 Hour on Weekend)

$11.74 ฿386

$11.10 ฿365

5.77%

Cinema Ticket

$7.87 ฿259

$7.64 ฿251

3.01%

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

$570 ฿18.7K

$573 ฿18.8K

-0.51%

International Primary School, 1 Child (Yearly)

$11.5K ฿377.2K

$11.7K ฿383.7K

-1.67%

Jeans (Levis 501 Or Similar)

$63.5 ฿2,087

$63.4 ฿2,084

0.13%

Summer Dress (H&M, Zara, etc)

$28.56 ฿939

$29.29 ฿963

-2.49%

Sport Shoes (Adidas, Nike)

$97.5 ฿3,205

$97.1 ฿3,194

0.36%

Men's Leather Business Shoes

$89.0 ฿2,928

$90.6 ฿2,980

-1.77%

1-bedroom Apartment, City Center (Monthly)

$559 ฿18.4K

$522 ฿17.2K

7.03%

1-bedroom Apartment, Outside City Center (Monthly)

$364 ฿12.0K

$339 ฿11.2K

7.41%

3-bedroom Apartment, City Center (Monthly)

$1,598 ฿52.6K

$1,460 ฿48.0K

9.46%

3-bedroom Apartment, Outside City Center (Monthly)

$910 ฿29.9K

$869 ฿28.6K

4.80%

Buy Apartment in City Center (m2)

$2,666 ฿87.7K

$2,461 ฿80.9K

8.33%

Buy Apartment Outside City Center (m2)

$1,918 ฿63.1K

$1,830 ฿60.2K

4.85%

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 Tao: September 1, 2026

Last update for Koh Phan Ghan: August 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $559 in Koh Tao and $522 in Koh Phan Ghan. Housing cost is often the main lever when comparing two cities.

Dining out: $28.00 in Koh Tao vs $29.00 in Koh Phan Ghan. Groceries flip the comparison at $259 vs $258, with Koh Phan Ghan cheaper for home cooking.

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

Koh Tao and Koh Phan Ghan differ by about 1% in total monthly costs ($1,057 vs $1,069 including rent). Koh Tao is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $1,586 in Koh Tao and $1,603 in Koh Phan Ghan 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: $559 in Koh Tao versus $522 in Koh Phan Ghan. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Koh Phan Ghan pay roughly 0% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $1,057 per month in Koh Tao versus $1,069 in Koh Phan Ghan – a 1% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,057 in Koh Tao versus $1,069 in Koh Phan Ghan, a $1,500 budget is realistic in Koh Tao but tight or insufficient in Koh Phan Ghan. The gap between the two cities makes Koh Tao 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 Tao 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 Koh Tao gentler on the wallet – expenses run 1% less than in Koh Phan Ghan. Beyond cost, consider language, visa policies, and how big the international community is in each city.