Last update: Oct 2026

Cost of Living Comparison Between Panaji and Phuket

For one person, living is cheaper in Panaji: $435 a month against $1,190 in Phuket, rent and utilities included – about $9,100 less a year. Rent and utilities account for about half of the difference.

21

Cost of Living Index in Panaji
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Panaji Living Index
59

Cost of Living Index in Phuket
Learn more

Phuket Living Index

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Panaji

🇮🇳 India

$435

/mo nomad

Phuket

🇹🇭 Thailand

$1,190

/mo nomad

Monthly Cost of Living

How much you'll spend in Panaji and in Phuket

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Panaji and in Phuket actually costs, broken down by who's living it.

Monthly costs for one person with rent: $435 in Panaji versus $1,190 in Phuket.

Panaji $435
Phuket $1,190

Estimated couple costs with rent: $693 in Panaji versus $2,006 in Phuket.

Panaji $693
Phuket $2,006

Monthly costs for a family of three with rent: $951 in Panaji versus $2,822 in Phuket.

Panaji $951
Phuket $2,822

Living in Panaji costs roughly 63% less than in Phuket, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Panaji 68% lower, Phuket 11% lower.

Meal at Budget Restaurant

$2.52 ₹243

$4.35 ฿146

-42.07%

Three-Course Dinner for Two, Mid-Range

$15.34 ₹1,485

$32.45 ฿1,087

-52.73%

Fast Food Meal (McDonalds, etc)

$3.68 ₹356

$8.42 ฿282

-56.29%

Cappuccino

$1.70 ₹165

$2.81 ฿94.0

-39.50%

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

$0.45 ₹43.83

$0.87 ฿29.29

-48.28%

Water (0.33 liter bottle)

$0.20 ₹18.90

$0.46 ฿15.39

-56.52%

Local Beer (0.5 liter draught)

$1.05 ₹102

$2.59 ฿86.6

-59.46%

Imported Beer (0.33 liter bottle)

$1.79 ₹173

$3.64 ฿122

-50.82%

Milk (1 liter)

$0.72 ₹69.2

$1.71 ฿57.2

-57.89%

White Bread (500g)

$0.50 ₹48.83

$1.45 ฿48.42

-65.52%

Rice (white) (1kg)

$0.72 ₹69.9

$1.56 ฿52.3

-53.85%

Eggs

$0.92 ₹88.8

$2.10 ฿70.3

-56.19%

Local Cheese (1kg)

$7.38 ₹715

$19.53 ฿654

-62.21%

Chicken Fillets (1kg)

$3.58 ₹347

$3.40 ฿114

5.29%

Beef Round Steak (1kg)

$11.14 ฿373

Apples (1kg)

$2.41 ₹233

$2.83 ฿94.8

-14.84%

Banana (1kg)

$0.85 ₹82.0

$1.62 ฿54.3

-47.53%

Oranges (1kg)

$1.30 ₹126

$2.22 ฿74.5

-41.44%

Tomato (1kg)

$0.38 ₹36.98

$2.15 ฿71.9

-82.33%

Potato (1kg)

$0.37 ₹35.95

$1.49 ฿49.95

-75.17%

Onion (1kg)

$0.45 ₹43.69

$1.33 ฿44.40

-66.17%

Lettuce (1 head)

$0.82 ₹79.2

$1.07 ฿35.72

-23.36%

Water (1.5 liter bottle)

$0.34 ₹32.53

$0.51 ฿17.01

-33.33%

Cigarettes 20 Pack (Marlboro, Camel)

$3.78 ₹366

$4.38 ฿147

-13.70%

Wine (Bottle)

$7.74 ₹749

$18.77 ฿629

-58.76%

Local Beer (0.5 liter bottle)

$1.01 ₹98.0

$1.74 ฿58.3

-41.95%

Imported Beer (0.33 liter bottle)

$3.15 ₹305

$2.78 ฿92.9

13.31%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$4.32 ₹418

One-way Ticket (Public Transport)

$0.16 ₹15.04

$2.17 ฿72.6

-92.63%

Public Transport Monthly Pass (Regular Price)

$6.06 ₹586

$22.28 ฿746

-72.80%

Taxi Start (Normal Tariff)

$0.33 ₹31.49

$3.02 ฿101

-89.07%

Taxi (Normal Tariff) (1km)

$0.49 ₹47.87

$1.06 ฿35.43

-53.77%

Taxi 1hour Waiting (Normal Tariff)

$2.05 ₹199

$3.71 ฿124

-44.74%

Gasoline (1 liter)

$1.05 ₹101

$1.43 ฿47.88

-26.57%

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

$16.9K ₹1.6M

$26.3K ฿882.1K

-35.76%

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

$25.0K ₹2.4M

$26.2K ฿877.3K

-4.40%

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

$21.08 ₹2,040

$96.7 ฿3,236

-78.19%

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

$3.63 ₹351

$11.41 ฿382

-68.19%

Internet (50+ Mbps, Unlimited Data)

$8.91 ₹863

$17.11 ฿573

-47.93%

Gym Membership (Monthly)

$26.86 ₹2,600

$52.8 ฿1,768

-49.13%

Tennis Court (1 Hour on Weekend)

$3.18 ₹308

$11.07 ฿371

-71.27%

Cinema Ticket

$2.88 ₹279

$7.65 ฿256

-62.35%

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

$54.8 ₹5,302

$555 ฿18.6K

-90.12%

International Primary School, 1 Child (Yearly)

$1,403 ₹135.7K

$11.3K ฿377.7K

-87.57%

Jeans (Levis 501 Or Similar)

$36.92 ₹3,573

$63.4 ฿2,123

-41.78%

Summer Dress (H&M, Zara, etc)

$25.89 ₹2,506

$28.61 ฿958

-9.51%

Sport Shoes (Adidas, Nike)

$21.10 ₹2,042

$96.7 ฿3,238

-78.18%

Men's Leather Business Shoes

$15.30 ₹1,481

$88.6 ฿2,967

-82.73%

1-bedroom Apartment, City Center (Monthly)

$175 ₹17.0K

$735 ฿24.6K

-76.16%

1-bedroom Apartment, Outside City Center (Monthly)

$130 ₹12.6K

$458 ฿15.3K

-71.59%

3-bedroom Apartment, City Center (Monthly)

$342 ₹33.1K

$2,102 ฿70.4K

-83.72%

3-bedroom Apartment, Outside City Center (Monthly)

$259 ₹25.1K

$1,187 ฿39.7K

-78.14%

Buy Apartment in City Center (m2)

$911 ₹88.2K

$3,493 ฿116.9K

-73.91%

Buy Apartment Outside City Center (m2)

$689 ₹66.7K

$2,491 ฿83.4K

-72.33%

Average Monthly Net Salary (After Tax)

$190 ₹18.3K

$501 ฿16.8K

-62.15%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.74

5.57

74.87%

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

Last update for Panaji: October 5, 2026

Last update for Phuket: October 4, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Panaji

$130 30.1%

Phuket

$458 38.1% 252% $328

Groceries & Markets

Panaji

$119 27.6%

Phuket

$268 22.3% 125% $149

Eating Out

Panaji

$63 14.6%

Phuket

$119 9.9% 89.3% $56

Clothing & Footwear

Panaji

$45 10.3%

Phuket

$125 10.4% 180% $80

Monthly Utilities & Internet

Panaji

$34 7.8%

Phuket

$125 10.4% 272% $92

Sport & Entertainment

Panaji

$33 7.5%

Phuket

$68 5.7% 109% $35

Getting Around

Panaji

$9.5 2.2%

Phuket

$39 3.3% 314% $30

Cost Breakdown

A one-bedroom apartment in the center runs $175 in Panaji and $735 in Phuket. Housing cost is often the main lever when comparing two cities.

Phuket pays 164% 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: $15.00 in Panaji vs $32.00 in Phuket for a mid-range dinner for two. Groceries echo the gap at $119 vs $268 per month, with Panaji cheaper across the board.

Good to know

🇮🇳 Panaji

🇹🇭 Phuket

🕒 Local time

07:34 7:34 AM

09:04 9:04 AM

1 h 30 min ahead of Panaji

🌤 Weather

👥 Population

114,759

79,308

💱 Currency

Indian Rupee INR ₹

Thai Baht THB ฿

📈 Exchange rate

1,000 INR = 10.33 USD

1,000 INR = 9.21 EUR

100 THB = 2.99 USD

100 THB = 2.66 EUR

Exchange rates and currency converter

THB, USD, EUR to INR – Indian Rupee Converter

🇺🇸 United States Dollar ($)

🇮🇳 Indian Rupee (₹)

Indian Rupee exchange rates as of October 10, 2026: 1 USD = 96.78 INR (100 INR = 1.03 USD). 1 EUR = 109 INR (1,000 INR = 9.21 EUR).

Thai Baht exchange rates as of October 10, 2026: 1 USD = 33.48 THB (100 THB = 2.99 USD). 1 EUR = 37.55 THB (100 THB = 2.66 EUR).

USD to INR in detail →

On the map

Lowest

Highest

Between locations

Panaji Phuket 2,800 km ≈ 4 h nonstop flight

From you

Panaji
Phuket

Distances are measured in a straight line. Your location is detected approximately.

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

Panaji vs Phuket: Cost of Living - Frequently Asked Questions

Panaji is cheaper overall, especially in groceries, eating out, and clothing. The 174% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 164% lower in Phuket. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $175 in Panaji versus $735 in Phuket. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $54.8 in Panaji versus $555 in Phuket. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 125% higher in Phuket. For households that cook at home regularly, that difference adds up over a month.

At $435 in Panaji versus $1,190 in Phuket, a $1,500 budget is realistic in Panaji but tight or insufficient in Phuket. The gap between the two cities makes Panaji the clear choice for anyone on this budget.

For families, Panaji is more practical. Housing and childcare are both notably cheaper than in Phuket, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Panaji and Phuket 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 Panaji gentler on the wallet – expenses run 174% less than in Phuket. Beyond cost, consider language, visa policies, and how big the international community is in each city.