Cost of Living Comparison Between Montego Bay and Phuket Cost of Living Comparison Between Montego Bay and Phuket

Monthly Cost of Living

A single person spends $1,295 per month in Montego Bay vs $1,264 in Phuket, rent included.

A couple spends around $1,753 per month in Montego Bay vs $2,256 in Phuket, rent included.

A family of three spends $2,210 per month in Montego Bay vs $3,248 in Phuket, rent included.

Montego Bay costs about 2% more than Phuket, driven mainly by Clothing & Footwear.

Both Montego Bay and Phuket are more affordable than the global median – Montego Bay 3% lower, Phuket 5% lower.

Meal at Budget Restaurant

$7.54 JMD 1,188

$4.48 ฿150

68.30%

Three-Course Dinner for Two, Mid-Range

$50.2 JMD 7,898

$45.59 ฿1,521

10.00%

Fast Food Meal (McDonalds, etc)

$7.72 JMD 1,215

$8.76 ฿292

-11.87%

Cappuccino

$4.31 JMD 678

$2.97 ฿99.0

45.12%

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

$1.32 JMD 209

$0.69 ฿22.90

91.30%

Water (0.33 liter bottle)

$0.76 JMD 120

$0.39 ฿13.04

94.87%

Local Beer (0.5 liter draught)

$2.46 JMD 388

$2.53 ฿84.4

-2.77%

Imported Beer (0.33 liter bottle)

$3.07 JMD 484

$3.75 ฿125

-18.13%

Milk (1 liter)

$2.47 JMD 390

$2.15 ฿71.6

14.88%

White Bread (500g)

$2.82 JMD 444

$1.82 ฿60.6

54.95%

Rice (white) (1kg)

$1.60 JMD 252

$2.18 ฿72.9

-26.61%

Eggs

$3.46 JMD 544

$2.25 ฿75.0

53.78%

Local Cheese (1kg)

$11.12 JMD 1,752

$20.00 ฿667

-44.40%

Chicken Fillets (1kg)

$6.46 JMD 1,017

$3.63 ฿121

77.96%

Beef Round Steak (1kg)

$7.69 JMD 1,211

$13.56 ฿452

-43.29%

Apples (1kg)

$3.35 JMD 528

$3.24 ฿108

3.40%

Banana (1kg)

$3.14 JMD 495

$1.64 ฿54.6

91.46%

Oranges (1kg)

$2.74 JMD 431

$2.33 ฿77.8

17.60%

Tomato (1kg)

$1.79 JMD 281

$2.07 ฿69.1

-13.53%

Potato (1kg)

$2.04 JMD 321

$1.55 ฿51.6

31.61%

Onion (1kg)

$1.13 JMD 177

$1.46 ฿48.54

-22.60%

Lettuce (1 head)

$1.84 JMD 290

$0.98 ฿32.86

87.76%

Water (1.5 liter bottle)

$0.93 JMD 147

$0.48 ฿16.09

93.75%

Cigarettes 20 Pack (Marlboro, Camel)

$8.80 JMD 1,386

$4.35 ฿145

102.30%

Wine (Bottle)

$11.16 JMD 1,758

$18.57 ฿620

-39.90%

Local Beer (0.5 liter bottle)

$2.12 JMD 334

$1.86 ฿61.9

13.98%

Imported Beer (0.33 liter bottle)

$3.15 JMD 496

$2.65 ฿88.6

18.87%

One-way Ticket (Public Transport)

$0.92 JMD 145

$1.42 ฿47.28

-35.21%

Public Transport Monthly Pass (Regular Price)

$11.57 ฿386

Taxi Start (Normal Tariff)

$0.96 JMD 152

$3.17 ฿106

-69.72%

Taxi (Normal Tariff) (1km)

$3.25 JMD 512

$1.03 ฿34.41

215.53%

Taxi 1hour Waiting (Normal Tariff)

$6.13 JMD 966

$13.89 ฿463

-55.87%

Gasoline (1 liter)

$1.23 JMD 194

$1.34 ฿44.84

-8.21%

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

$42.4K JMD 6.7M

$27.8K ฿927.1K

52.48%

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

$33.0K JMD 5.2M

$33.4K ฿1.1M

-1.18%

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

$164 JMD 25.8K

$123 ฿4,105

33.05%

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

$21.61 JMD 3,404

$13.77 ฿459

56.94%

Internet (50+ Mbps, Unlimited Data)

$48.06 JMD 7,569

$18.33 ฿611

162.19%

Gym Membership (Monthly)

$37.26 JMD 5,869

$60.7 ฿2,025

-38.61%

Tennis Court (1 Hour on Weekend)

$17.16 ฿573

Cinema Ticket

$7.57 JMD 1,192

$8.87 ฿296

-14.66%

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

$62.7 JMD 9,870

$688 ฿22.9K

-90.89%

International Primary School, 1 Child (Yearly)

$1,854 JMD 292.0K

$15.8K ฿526.4K

-88.25%

Jeans (Levis 501 Or Similar)

$26.57 JMD 4,185

$59.3 ฿1,978

-55.19%

Summer Dress (H&M, Zara, etc)

$19.57 JMD 3,083

$34.69 ฿1,157

-43.59%

Sport Shoes (Adidas, Nike)

$66.5 JMD 10.5K

$115 ฿3,843

-42.25%

Men's Leather Business Shoes

$76.1 JMD 12.0K

$83.8 ฿2,794

-9.19%

1-bedroom Apartment, City Center (Monthly)

$265 JMD 41.7K

$621 ฿20.7K

-57.42%

1-bedroom Apartment, Outside City Center (Monthly)

$448 JMD 70.6K

$446 ฿14.9K

0.55%

3-bedroom Apartment, City Center (Monthly)

$662 JMD 104.3K

$2,034 ฿67.8K

-67.44%

3-bedroom Apartment, Outside City Center (Monthly)

$447 JMD 70.3K

$1,496 ฿49.9K

-70.15%

Buy Apartment in City Center (m2)

$3,455 ฿115.3K

Buy Apartment Outside City Center (m2)

$2,531 ฿84.4K

Average Monthly Net Salary (After Tax)

$552 JMD 87.0K

$494 ฿16.5K

11.93%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.33

50.09%

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

Last update for Montego Bay: July 26, 2026

Last update for Phuket: July 27, 2026

Cost Breakdown

A central one-bedroom costs $265 in Montego Bay versus $621 in Phuket. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 12% higher in Montego Bay, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $50.0 in Montego Bay versus $46.00 in Phuket. Groceries tell a different story – $284 in Montego Bay vs $291 in Phuket – so Montego Bay wins on supermarket bills even if dining out costs more.

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

Montego Bay vs Phuket: Cost of Living - Frequently Asked Questions

Montego Bay costs about 2% more than Phuket, with the gap driven mainly by Clothing & Footwear. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,943 per month in Montego Bay and $1,896 in Phuket. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Phuket, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $50.0 in Montego Bay and $46.00 in Phuket. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 3% cheaper in Montego Bay – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A $1,500 monthly budget goes further in Phuket, where all-in costs run around $1,264, than in Montego Bay at $1,295. In Phuket it covers expenses comfortably, while in Montego Bay it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Phuket costs $1,264 versus $1,295 in Montego Bay. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Phuket. If higher salaries, better infrastructure, or specific career opportunities are the priority, Montego Bay makes more sense. Both are solid long-term options with distinct trade-offs.