Last update: Oct 2026

Cost of Living Comparison Between Phuket and Naga

For one person, living is cheaper in Naga: $552 a month against $1,278 in Phuket, rent and utilities included – about $8,700 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Phuket
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Phuket Living Index

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Phuket

🇹🇭 Thailand

$1,278

/mo nomad

Naga

🇵🇭 Philippines

$552

/mo nomad

Monthly Cost of Living

How much you'll spend in Phuket and in Naga

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

Monthly costs for one person with rent: $1,278 in Phuket versus $552 in Naga.

Phuket $1,278
Naga $552

Estimated couple costs with rent: $2,216 in Phuket versus $845 in Naga.

Phuket $2,216
Naga $845

Monthly costs for a family of three with rent: $3,154 in Phuket versus $1,138 in Naga.

Phuket $3,154
Naga $1,138

Living in Phuket is roughly 132% more expensive than in Naga, and outside of rent the biggest gap is in transport.

Both cities sit below the global median: Phuket 6% lower, Naga 59% lower.

Meal at Budget Restaurant

$4.47 ฿151

$5.10 ₱326

-12.35%

Three-Course Dinner for Two, Mid-Range

$32.41 ฿1,094

$13.37 ₱854

142.41%

Fast Food Meal (McDonalds, etc)

$8.81 ฿297

$2.77 ₱177

218.05%

Cappuccino

$2.83 ฿95.5

$2.74 ₱175

3.28%

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

$0.87 ฿29.43

$0.67 ₱42.90

29.85%

Water (0.33 liter bottle)

$0.49 ฿16.67

$0.22 ₱14.03

122.73%

Local Beer (0.5 liter draught)

$2.56 ฿86.4

$1.31 ₱83.4

95.42%

Imported Beer (0.33 liter bottle)

$3.68 ฿124

$3.09 ₱198

19.09%

Milk (1 liter)

$1.66 ฿56.0

$1.95 ₱125

-14.87%

White Bread (500g)

$1.46 ฿49.35

$0.80 ₱51.1

82.50%

Rice (white) (1kg)

$1.50 ฿50.6

$0.77 ₱49.27

94.81%

Eggs

$2.09 ฿70.5

$1.68 ₱107

24.40%

Local Cheese (1kg)

$19.07 ฿644

$10.06 ₱643

89.56%

Chicken Fillets (1kg)

$3.30 ฿111

$4.12 ₱264

-19.90%

Beef Round Steak (1kg)

$10.91 ฿368

$6.84 ₱437

59.50%

Apples (1kg)

$2.93 ฿99.0

$1.90 ₱121

54.21%

Banana (1kg)

$1.69 ฿57.1

$1.66 ₱106

1.81%

Oranges (1kg)

$2.25 ฿75.8

$2.41 ₱154

-6.64%

Tomato (1kg)

$2.08 ฿70.1

$2.37 ₱152

-12.24%

Potato (1kg)

$1.51 ฿51.0

$2.53 ₱162

-40.32%

Onion (1kg)

$1.38 ฿46.56

$2.21 ₱141

-37.56%

Lettuce (1 head)

$1.07 ฿35.99

$4.63 ₱296

-76.89%

Water (1.5 liter bottle)

$0.52 ฿17.52

$0.60 ₱38.38

-13.33%

Cigarettes 20 Pack (Marlboro, Camel)

$4.20 ฿142

$2.76 ₱176

52.17%

Wine (Bottle)

$18.79 ฿634

$3.77 ₱241

398.41%

Local Beer (0.5 liter bottle)

$1.82 ฿61.5

$1.53 ₱97.6

18.95%

Imported Beer (0.33 liter bottle)

$2.84 ฿95.9

One-way Ticket (Public Transport)

$1.45 ฿49.03

Public Transport Monthly Pass (Regular Price)

$56.7 ฿1,913

Taxi Start (Normal Tariff)

$3.02 ฿102

$0.58 ₱36.83

420.69%

Taxi (Normal Tariff) (1km)

$1.02 ฿34.36

Taxi 1hour Waiting (Normal Tariff)

$3.69 ฿125

Gasoline (1 liter)

$1.47 ฿49.81

$1.19 ₱76.0

23.53%

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

$26.8K ฿904.3K

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

$26.7K ฿901.3K

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

$96.4 ฿3,254

$97.7 ₱6,243

-1.39%

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

$11.26 ฿380

$23.84 ₱1,523

-52.77%

Internet (50+ Mbps, Unlimited Data)

$16.85 ฿569

$25.59 ₱1,635

-34.15%

Gym Membership (Monthly)

$67.2 ฿2,270

$7.73 ₱494

769.73%

Tennis Court (1 Hour on Weekend)

$10.73 ฿362

Cinema Ticket

$7.50 ฿253

$4.80 ₱307

56.25%

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

$476 ฿16.1K

International Primary School, 1 Child (Yearly)

$11.3K ฿380.4K

$7,801 ₱498.4K

44.39%

Jeans (Levis 501 Or Similar)

$62.4 ฿2,106

Summer Dress (H&M, Zara, etc)

$28.41 ฿959

Sport Shoes (Adidas, Nike)

$94.3 ฿3,184

Men's Leather Business Shoes

$85.8 ฿2,898

1-bedroom Apartment, City Center (Monthly)

$716 ฿24.2K

$158 ₱10.1K

352.20%

1-bedroom Apartment, Outside City Center (Monthly)

$491 ฿16.6K

$85.9 ₱5,487

471.56%

3-bedroom Apartment, City Center (Monthly)

$1,927 ฿65.1K

$240 ₱15.4K

701.92%

3-bedroom Apartment, Outside City Center (Monthly)

$1,431 ฿48.3K

$195 ₱12.5K

632.85%

Buy Apartment in City Center (m2)

$4,175 ฿141.0K

Buy Apartment Outside City Center (m2)

$3,045 ฿102.8K

Average Monthly Net Salary (After Tax)

$502 ฿17.0K

$138 ₱8,843

262.91%

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 Phuket: October 26, 2026

Last update for Naga: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Phuket

$491 38.4%

Naga

–

Groceries & Markets

Phuket

$266 20.8%

Naga

–

Monthly Utilities & Internet

Phuket

$124 9.7%

Naga

–

Clothing & Footwear

Phuket

$122 9.5%

Naga

–

Eating Out

Phuket

$122 9.5%

Naga

–

Sport & Entertainment

Phuket

$82 6.4%

Naga

–

Getting Around

Phuket

$71 5.5%

Naga

–

Cost Breakdown

A one-bedroom apartment in the center runs $716 in Phuket and $158 in Naga. Housing cost is often the main lever when comparing two cities.

Phuket pays about 3.6 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $32 in Phuket vs $13 in Naga for a mid-range dinner for two. Groceries echo the gap at $266 vs $202 per month, with Naga cheaper across the board.

Good to know

🇹🇭 Phuket

🇵🇭 Naga

🕒 Local time

04:34 4:34 AM

05:34 5:34 AM

1 h ahead of Phuket

🌤 Weather

👥 Population

79,308

115,750

💱 Currency

Thai Baht THB ฿

Philippine Peso PHP ₱

📈 Exchange rate

100 THB = 2.96 USD

100 THB = 2.66 EUR

100 PHP = 1.57 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to THB – Thai Baht Converter

🇺🇸 United States Dollar ($)

🇹🇭 Thai Baht (฿)

Thai Baht exchange rates as of October 28, 2026: 1 USD = 33.77 THB (100 THB = 2.96 USD). 1 EUR = 37.59 THB (100 THB = 2.66 EUR).

Philippine Peso exchange rates as of October 28, 2026: 1 USD = 63.89 PHP (100 PHP = 1.57 USD). 1 EUR = 71.13 PHP (100 PHP = 1.41 EUR).

USD to THB in detail →

On the map

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Between locations

Phuket Naga 2,780 km ≈ 4 h nonstop flight

From you

Phuket
Naga

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

Phuket vs Naga: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,278 in Phuket and $552 in Naga, so Naga is about 57% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Phuket is about 3.6 times higher, 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: $716 in Phuket versus $158 in Naga. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Naga – a meal for two runs $13 versus $32 in Phuket. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,278 per month in Phuket versus $552 in Naga – Naga is about 57% cheaper, which adds up to real savings over time.

At $552 in Naga versus $1,278 in Phuket, a $1,200 budget is realistic in Naga but tight or insufficient in Phuket. The gap between the two cities makes Naga 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, Phuket and Naga are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Naga wins on affordability, Phuket on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.