Last update: Oct 2026

Cost of Living Comparison Between Phuket and Tivat

For one person, living is cheaper in Phuket: $1,208 a month against $1,651 in Tivat, rent and utilities included – about $5,300 less a year. Rent and utilities account for most of the difference.

59

Cost of Living Index in Phuket
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Phuket Living Index
80

Cost of Living Index in Tivat
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Tivat Living Index

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Phuket

🇹🇭 Thailand

$1,208

/mo nomad

Tivat

🇲🇪 Montenegro

$1,651

/mo nomad

Monthly Cost of Living

How much you'll spend in Phuket and in Tivat

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 Tivat actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,208 in Phuket versus $1,651 in Tivat.

Phuket $1,208
Tivat $1,651

Estimated couple costs with rent: $2,027 in Phuket versus $2,494 in Tivat.

Phuket $2,027
Tivat $2,494

Monthly costs for a family of three with rent: $2,845 in Phuket versus $3,338 in Tivat.

Phuket $2,845
Tivat $3,338

Living in Phuket costs roughly 27% less than in Tivat, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Phuket is 11% below, Tivat is 22% above.

Meal at Budget Restaurant

$4.40 ฿147

$11.18 €9.95

-60.64%

Three-Course Dinner for Two, Mid-Range

$32.26 ฿1,078

$45.70 €40.65

-29.41%

Fast Food Meal (McDonalds, etc)

$8.76 ฿293

$10.86 €9.66

-19.34%

Cappuccino

$2.83 ฿94.5

$2.21 €1.97

28.05%

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

$0.90 ฿30.14

$2.58 €2.30

-65.12%

Water (0.33 liter bottle)

$0.47 ฿15.56

$1.40 €1.25

-66.43%

Local Beer (0.5 liter draught)

$2.55 ฿85.2

$3.17 €2.82

-19.56%

Imported Beer (0.33 liter bottle)

$3.83 ฿128

$3.31 €2.94

15.71%

Milk (1 liter)

$1.73 ฿57.7

$1.29 €1.14

34.11%

White Bread (500g)

$1.47 ฿49.11

$1.09 €0.97

34.86%

Rice (white) (1kg)

$1.51 ฿50.6

$1.94 €1.72

-22.16%

Eggs

$2.17 ฿72.7

$3.36 €2.99

-35.42%

Local Cheese (1kg)

$19.70 ฿658

$8.92 €7.93

120.85%

Chicken Fillets (1kg)

$3.34 ฿112

$8.07 €7.18

-58.61%

Beef Round Steak (1kg)

$11.16 ฿373

$12.30 €10.94

-9.27%

Apples (1kg)

$2.85 ฿95.1

$1.62 €1.44

75.93%

Banana (1kg)

$1.70 ฿56.9

$1.68 €1.50

1.19%

Oranges (1kg)

$2.19 ฿73.3

$1.73 €1.54

26.59%

Tomato (1kg)

$2.05 ฿68.4

$2.88 €2.56

-28.82%

Potato (1kg)

$1.45 ฿48.57

$0.92 €0.82

57.61%

Onion (1kg)

$1.38 ฿46.16

$1.12 €1.00

23.21%

Lettuce (1 head)

$1.07 ฿35.69

$1.67 €1.48

-35.93%

Water (1.5 liter bottle)

$0.51 ฿16.91

$0.89 €0.79

-42.70%

Cigarettes 20 Pack (Marlboro, Camel)

$4.26 ฿142

$4.34 €3.86

-1.84%

Wine (Bottle)

$18.58 ฿621

$5.56 €4.94

234.17%

Local Beer (0.5 liter bottle)

$1.78 ฿59.7

$1.09 €0.97

63.30%

Imported Beer (0.33 liter bottle)

$2.85 ฿95.2

$1.68 €1.49

69.64%

One-way Ticket (Public Transport)

$2.26 ฿75.6

$1.71 €1.52

32.16%

Public Transport Monthly Pass (Regular Price)

$22.10 ฿738

$39.50 €35.14

-44.05%

Taxi Start (Normal Tariff)

$3.01 ฿101

$1.14 €1.01

164.04%

Taxi (Normal Tariff) (1km)

$1.06 ฿35.34

$1.15 €1.02

-7.83%

Taxi 1hour Waiting (Normal Tariff)

$3.86 ฿129

$11.35 €10.10

-65.99%

Gasoline (1 liter)

$1.45 ฿48.45

$1.79 €1.60

-18.99%

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

$26.3K ฿879.9K

$27.8K €24.7K

-5.18%

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

$26.9K ฿900.4K

$25.6K €22.8K

5.28%

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

$96.4 ฿3,221

$127 €113

-24.32%

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

$11.04 ฿369

$15.03 €13.37

-26.55%

Internet (50+ Mbps, Unlimited Data)

$17.14 ฿573

$33.55 €29.84

-48.91%

Gym Membership (Monthly)

$52.2 ฿1,744

$46.87 €41.69

11.33%

Tennis Court (1 Hour on Weekend)

$11.16 ฿373

$15.38 €13.68

-27.44%

Cinema Ticket

$7.81 ฿261

$6.00 €5.33

30.17%

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

$556 ฿18.6K

$407 €362

36.66%

International Primary School, 1 Child (Yearly)

$11.6K ฿387.0K

$7,455 €6,632

55.33%

Jeans (Levis 501 Or Similar)

$64.2 ฿2,146

$87.0 €77.4

-26.22%

Summer Dress (H&M, Zara, etc)

$28.69 ฿959

$39.46 €35.10

-27.29%

Sport Shoes (Adidas, Nike)

$95.4 ฿3,187

$97.8 €87.0

-2.47%

Men's Leather Business Shoes

$88.0 ฿2,940

$104 €92.4

-15.31%

1-bedroom Apartment, City Center (Monthly)

$737 ฿24.6K

$884 €786

-16.61%

1-bedroom Apartment, Outside City Center (Monthly)

$462 ฿15.5K

$797 €709

-42.00%

3-bedroom Apartment, City Center (Monthly)

$2,095 ฿70.0K

$1,996 €1,775

4.96%

3-bedroom Apartment, Outside City Center (Monthly)

$1,201 ฿40.1K

$1,433 €1,275

-16.22%

Buy Apartment in City Center (m2)

$3,488 ฿116.6K

$5,841 €5,196

-40.30%

Buy Apartment Outside City Center (m2)

$2,523 ฿84.3K

$2,688 €2,391

-6.13%

Average Monthly Net Salary (After Tax)

$501 ฿16.7K

$1,214 €1,080

-58.77%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.57

5.38

3.53%

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

Last update for Phuket: October 19, 2026

Last update for Tivat: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Phuket

$462 38.3%

Tivat

$797 48.3% 72.4% $335

Groceries & Markets

Phuket

$269 22.2%

Tivat

$231 14% 14.1% $38

Monthly Utilities & Internet

Phuket

$125 10.3%

Tivat

$176 10.7% 41.2% $51

Clothing & Footwear

Phuket

$124 10.3%

Tivat

$148 9% 18.8% $23

Eating Out

Phuket

$121 10%

Tivat

$187 11.3% 54.2% $66

Sport & Entertainment

Phuket

$68 5.6%

Tivat

$59 3.6% 13.2% $8.9

Getting Around

Phuket

$39 3.3%

Tivat

$53 3.2% 35% $14

Cost Breakdown

A one-bedroom apartment in the center runs $737 in Phuket and $884 in Tivat. Housing cost is often the main lever when comparing two cities.

Tivat pays 143% 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: $32.00 in Phuket vs $46.00 in Tivat. Groceries flip the comparison at $269 vs $231, with Tivat cheaper for home cooking.

Good to know

🇹🇭 Phuket

🇲🇪 Tivat

🕒 Local time

20:56 8:56 PM

15:56 3:56 PM

5 h behind Phuket

🌤 Weather

👥 Population

79,308

9,500

💱 Currency

Thai Baht THB ฿

Euro EUR €

📈 Exchange rate

100 THB = 2.99 USD

100 THB = 2.66 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to THB – Thai Baht Converter

🇺🇸 United States Dollar ($)

🇹🇭 Thai Baht (฿)

Thai Baht exchange rates as of October 22, 2026: 1 USD = 33.42 THB (100 THB = 2.99 USD). 1 EUR = 37.57 THB (100 THB = 2.66 EUR).

Euro exchange rates as of October 22, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to THB in detail →

On the map

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Between locations

Phuket Tivat 8,570 km ≈ 11 h nonstop flight

From you

Phuket
Tivat

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 Tivat: Cost of Living - Frequently Asked Questions

Phuket is cheaper overall, especially in clothing, eating out, and transport. The 37% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 143% lower in Tivat. 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: $737 in Phuket versus $884 in Tivat. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $556 in Phuket versus $407 in Tivat. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Tivat pay roughly 16% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,208 in Phuket versus $1,651 in Tivat, a $1,500 budget is realistic in Phuket but tight or insufficient in Tivat. The gap between the two cities makes Phuket the clear choice for anyone on this budget.

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

Safety-wise, Phuket and Tivat 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 Phuket gentler on the wallet – expenses run 37% less than in Tivat. Beyond cost, consider language, visa policies, and how big the international community is in each city.