Cost of Living on Koh Phangan 2026

Every "cost of living" article online quotes a different number, mostly because they're comparing very different lifestyles. Here's a realistic breakdown for three ways people actually live on Phangan, in low season (May–October) baht.

Budget — around 25,000–35,000 baht/month

• Accommodation: 8,000–12,000 baht (shared room or basic studio, fan or AC)
• Food: 6,000–9,000 baht (mostly local food, some cooking)
• Bike rental: 3,500–4,500 baht (monthly rate, much cheaper than daily)
• SIM/internet: 300–500 baht
• Extras (laundry, coffee, the occasional night out): 5,000–8,000 baht

Mid-range — around 45,000–65,000 baht/month

• Accommodation: 15,000–25,000 baht (private apartment with AC, maybe a shared pool)
• Food: 12,000–18,000 baht (mix of local and Western food, some restaurants)
• Bike rental: 3,500–4,500 baht
• SIM/internet: 500 baht
• Extras: massages, activities, occasional weekend trips

Comfortable — 90,000+ baht/month

• Accommodation: 40,000–80,000+ baht (private pool villa)
• Food: 20,000+ baht (mostly restaurants, imported groceries)
• Car rental instead of or alongside a bike: 15,000–20,000 baht
• Extras: regular spa/massage, more frequent trips off-island

Things that catch people off guard

• High season markup — November to April, especially around Full Moon Party dates, accommodation prices can jump 30–50%
• ATM fees — every withdrawal costs 250 baht on top of your bank's own fee, so pull larger amounts less often (see our money guide)
• Visa runs — factor in the cost of leaving the country periodically if you're on a tourist visa
• Bike accidents — repair costs on a rental bike after an accident can easily wipe out a month of savings; get insurance (see our insurance guide)