Last update: Nov 2026

Cost of Living Comparison Between Umag and Phuket

For one person, living is cheaper in Phuket: $1,294 a month against $1,607 in Umag, rent and utilities included – about $3,800 less a year. Other living expenses account for most of the difference.

77

Cost of Living Index in Umag
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Umag Living Index
62

Cost of Living Index in Phuket
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Phuket Living Index

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Umag

🇭🇷 Croatia

$1,607

/mo nomad

Phuket

🇹🇭 Thailand

$1,294

/mo nomad

Monthly Cost of Living

How much you'll spend in Umag 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 Umag and in Phuket actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,607 in Umag versus $1,294 in Phuket.

Umag $1,607
Phuket $1,294

Estimated couple costs with rent: $2,444 in Umag versus $2,204 in Phuket.

Umag $2,444
Phuket $2,204

Monthly costs for a family of three with rent: $3,280 in Umag versus $3,115 in Phuket.

Umag $3,280
Phuket $3,115

Living in Umag is roughly 24% more expensive than in Phuket, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Umag is 19% above, Phuket is 4% below.

Meal at Budget Restaurant

$12.42 €11.05

$4.39 ฿147

182.92%

Three-Course Dinner for Two, Mid-Range

$64.3 €57.3

$32.31 ฿1,085

99.10%

Fast Food Meal (McDonalds, etc)

$7.93 €7.06

$8.70 ฿292

-8.85%

Cappuccino

$2.19 €1.95

$2.72 ฿91.5

-19.49%

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

$3.06 €2.72

$0.93 ฿31.25

229.03%

Water (0.33 liter bottle)

$2.18 €1.94

$0.50 ฿16.78

336.00%

Local Beer (0.5 liter draught)

$3.30 €2.94

$2.53 ฿85.0

30.43%

Imported Beer (0.33 liter bottle)

$4.55 €4.05

$3.63 ฿122

25.34%

Milk (1 liter)

$1.31 €1.17

$1.74 ฿58.4

-24.71%

White Bread (500g)

$1.58 €1.41

$1.45 ฿48.73

8.97%

Rice (white) (1kg)

$2.78 €2.47

$1.50 ฿50.5

85.33%

Eggs

$3.95 €3.51

$2.17 ฿73.0

82.03%

Local Cheese (1kg)

$14.74 €13.12

$19.09 ฿641

-22.79%

Chicken Fillets (1kg)

$11.82 €10.52

$3.40 ฿114

247.65%

Beef Round Steak (1kg)

$17.68 €15.73

$10.90 ฿366

62.20%

Apples (1kg)

$2.21 €1.97

$2.94 ฿98.8

-24.83%

Banana (1kg)

$1.74 €1.55

$1.69 ฿56.8

2.96%

Oranges (1kg)

$2.18 €1.94

$2.19 ฿73.7

-0.46%

Tomato (1kg)

$2.47 €2.19

$2.12 ฿71.4

16.51%

Potato (1kg)

$1.40 €1.25

$1.46 ฿48.99

-4.11%

Onion (1kg)

$1.26 €1.12

$1.37 ฿45.95

-8.03%

Lettuce (1 head)

$1.24 €1.10

$1.08 ฿36.14

14.81%

Water (1.5 liter bottle)

$1.34 €1.19

$0.55 ฿18.32

143.64%

Cigarettes 20 Pack (Marlboro, Camel)

$5.92 €5.27

$4.43 ฿149

33.63%

Wine (Bottle)

$11.31 €10.07

$18.25 ฿613

-38.03%

Local Beer (0.5 liter bottle)

$1.70 €1.52

$1.77 ฿59.5

-3.95%

Imported Beer (0.33 liter bottle)

$2.39 €2.13

$2.88 ฿96.8

-17.01%

One-way Ticket (Public Transport)

$1.74 €1.55

$1.45 ฿48.62

20.00%

Public Transport Monthly Pass (Regular Price)

$44.20 €39.33

$54.9 ฿1,844

-19.48%

Taxi Start (Normal Tariff)

$2.20 €1.96

$1.51 ฿50.8

45.70%

Taxi (Normal Tariff) (1km)

$1.42 €1.26

$0.78 ฿26.06

82.05%

Taxi 1hour Waiting (Normal Tariff)

$12.15 €10.81

$3.84 ฿129

216.41%

Gasoline (1 liter)

$1.89 €1.68

$1.49 ฿49.96

26.85%

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

$28.1K €25.0K

$26.9K ฿902.9K

4.70%

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

$25.7K €22.9K

$26.3K ฿884.9K

-2.36%

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

$212 €189

$97.8 ฿3,285

117.22%

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

$22.23 €19.79

$11.29 ฿379

96.90%

Internet (50+ Mbps, Unlimited Data)

$38.08 €33.89

$17.19 ฿577

121.52%

Gym Membership (Monthly)

$52.8 €46.97

$68.3 ฿2,295

-22.76%

Tennis Court (1 Hour on Weekend)

$15.11 €13.45

$10.92 ฿367

38.37%

Cinema Ticket

$8.47 €7.53

$7.43 ฿250

14.00%

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

$493 €439

$530 ฿17.8K

-6.97%

International Primary School, 1 Child (Yearly)

$9,752 €8,678

$18.8K ฿630.9K

-48.08%

Jeans (Levis 501 Or Similar)

$107 €95.3

$61.7 ฿2,072

73.59%

Summer Dress (H&M, Zara, etc)

$42.90 €38.17

$28.25 ฿949

51.86%

Sport Shoes (Adidas, Nike)

$102 €90.5

$96.0 ฿3,225

5.95%

Men's Leather Business Shoes

$110 €98.1

$86.8 ฿2,916

26.98%

1-bedroom Apartment, City Center (Monthly)

$687 €611

$721 ฿24.2K

-4.75%

1-bedroom Apartment, Outside City Center (Monthly)

$527 €469

$509 ฿17.1K

3.59%

3-bedroom Apartment, City Center (Monthly)

$1,180 €1,050

$1,950 ฿65.5K

-39.50%

3-bedroom Apartment, Outside City Center (Monthly)

$891 €793

$1,397 ฿46.9K

-36.22%

Buy Apartment in City Center (m2)

$4,048 €3,603

$4,192 ฿140.8K

-3.43%

Buy Apartment Outside City Center (m2)

$2,912 €2,592

$3,298 ฿110.8K

-11.71%

Average Monthly Net Salary (After Tax)

$492 ฿16.5K

20-Year Fixed Mortgage Interest Rate (Annual %)

3.3

5.57

-40.75%

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

Last update for Umag: November 2, 2026

Last update for Phuket: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Umag

$527 32.8%

Phuket

$509 39.3% 3.5% $18

Groceries & Markets

Umag

$318 19.8%

Phuket

$267 20.6% 16.2% $52

Monthly Utilities & Internet

Umag

$273 17%

Phuket

$126 9.8% 53.7% $146

Eating Out

Umag

$196 12.2%

Phuket

$120 9.2% 39% $76

Clothing & Footwear

Umag

$163 10.1%

Phuket

$123 9.5% 24.6% $40

Sport & Entertainment

Umag

$70 4.3%

Phuket

$83 6.4% 19.3% $13

Getting Around

Umag

$60 3.8%

Phuket

$66 5.1% 9.3% $5.6

Cost Breakdown

A one-bedroom apartment in the center runs $687 in Umag and $721 in Phuket. Housing cost is often the main lever when comparing two cities.

Dining out: $64 in Umag vs $32 in Phuket for a mid-range dinner for two. Groceries echo the gap at $318 vs $267 per month, with Phuket cheaper across the board.

Good to know

🇭🇷 Umag

🇹🇭 Phuket

🕒 Local time

23:49 11:49 PM

05:49 5:49 AM

6 h ahead of Umag

🌤 Weather

👥 Population

13,000

79,308

💱 Currency

Euro EUR €

Thai Baht THB ฿

📈 Exchange rate

1 EUR = 1.12 USD

100 THB = 2.98 USD

100 THB = 2.65 EUR

Exchange rates and currency converter

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Between locations

Umag Phuket 8,980 km ≈ 12 h nonstop flight

From you

Umag
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

Umag vs Phuket: Cost of Living - Frequently Asked Questions

Phuket is about 20% cheaper overall, especially in eating out, groceries, and clothing. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $2,411 in Umag and $1,940 in Phuket 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: $687 in Umag versus $721 in Phuket. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Umag versus $530 in Phuket. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 19% higher in Umag. For households that cook at home regularly, that difference adds up over a month.

At $1,294 in Phuket versus $1,607 in Umag, a $1,500 budget is realistic in Phuket but tight or insufficient in Umag. The gap between the two cities makes Phuket 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, Umag and Phuket are both considered safe, so it’s unlikely to be the deciding factor between them.