Living In Koh Samui: A Comprehensive Guide For Expats

Living in Koh Samui offers an idyllic lifestyle opportunity. Let's look at the lifestyle, pros, and cons to see if it's right for you.

Imagine waking up to waves gently crashing on the shore and enjoying the sun’s warmth as you stroll along pristine white sandy beaches for your morning coffee.

Living in Koh Samui, Thailand, offers you an idyllic lifestyle opportunity. You can live on one of the world’s most stunning paradise islands while enjoying all the essential amenities that make life blissful.

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As an expat, you will discover that Koh Samui offers an affordable cost of living, allowing you to live comfortably on a modest budget.

The island boasts a range of living choices, starting from renting a one-bedroom apartment for as little as 10,000 to 20,000 baht ($310 to $620) per month, depending on the area and size of the apartment.

Whether you are relocating for professional needs, investment, or retirement, Koh Samui has everything to cater to your requirements.

You can revel in the stunning scenery, chat with the welcoming local community, and enjoy a huge variety of dining, entertainment, and recreational choices for yourself and your family.

Living in Koh Samui – the pros and cons

Like anywhere, life in Koh Samui has its pros and cons. Let’s take a look at some of them:


  1. Great weather year-round: With a tropical climate, you can enjoy warm and sunny weather throughout the year, perfect for enjoying outdoor activities and beach days.
  2. Beautiful beaches: The island boasts stunning beaches with crystal-clear waters and white sands, providing idyllic surroundings for relaxation and enjoyment.
  3. Affordable cost of living: Koh Samui’s cost of living is relatively low compared to other destinations, allowing you to live comfortably on a modest budget.
  4. Friendly people: Residents are known for their warmth and hospitality, creating a sense of community and making you feel welcome.
  5. Expatriate community: In popular expat areas such as Bophut, you will find a welcoming community of fellow expats who can help you adjust to the lifestyle and share experiences.


  1. Language barrier: Communication can be challenging if you don’t speak any Thai whatsoever. Most locals in touristic areas will have some English proficiency, but daily life may still need translation help occasionally.
  2. Infrastructure Development: Koh Samui is a developing island, and infrastructure improvements are ongoing. This does impact the quality of roads, public transport, and other services.
  3. Less choice for education: Finding high-quality educational institutions may be more challenging, with fewer options for international schools on the island than in major cities.
  4. Difficulty finding employment: While there may be some opportunities for expats in specific sectors, the overall job market can be competitive, and work permits can be challenging to obtain.
  5. Healthcare: While healthcare facilities are available in Koh Samui, they may not have all of the services available in the larger cities or your home country. Expats should have comprehensive health insurance to cover any medical needs.

When considering the pros and cons of living in Koh Samui, it’s vital to research and invest some time on the island before deciding if it’s right for you.

The unique mix of a tropical paradise, a lower cost of living and a lively expat community should outweigh most of the potential downsides.

If Koh Samui feels like your perfect place, read on to learn more about life on the island.

Koh Samui – location and geography

The island is about 35 km northeast of Surat Thani City. It serves as the primary island in the Chumphon Archipelago. Heavenly beaches, lush forests, and stunning waterfalls contribute to the picturesque landscape in this idyllic location.

A tropical beach with golden sand and palm trees
Chaweng Beach, Koh-Samui

Koh Samui is a relatively small island, measuring approximately 25 kilometres at its widest point. It’s close to other populated resort islands, such as Ko Pha-ngan, Ko Tao, and Ko Nang Yuan, to the north.

You will be able to explore the neighbouring islands and indulge in the region’s rich culture and natural beauty.

To help you get your bearings, here are some principal areas in Koh Samui:

  • Bophut: A popular expat area in Koh Samui, offering a quieter living experience with plenty of dining and bar options.
  • Chaweng: Known for its vibrant nightlife and a more extensive range of facilities and accommodations.
  • Lamai: Another popular area for tourists and expats seeking a more tranquil atmosphere with beautiful beaches and amenities.

As you settle into your new life in Koh Samui, embrace the island’s diverse landscape and enjoy its natural beauty.


Living in Koh Samui, you’ll experience a hot tropical climate all year round. The island experiences a long rainy season due to the Southeast Asian monsoon, which runs from May to mid-January, and a drier season from mid-January to April.

During the hottest months of April and May, temperatures can reach up to 33°C in the shade, while the coldest months of February, November, and December seldom see temperatures exceeding 23°C. See Travel Climate have full monthly weather charts.

Despite the rainy season, Koh Samui still offers plenty of sunshine and warmth throughout the year. The average daily temperature is around 20°C (86°F), so you’ll enjoy a comfortable, warm beach climate during your stay.

Housing and accommodation in Koh Samui

Types of properties

Koh Samui offers various property types, from traditional Thai-style houses to modern condominiums and luxury villas. Beachfront properties and those with sea views are the most sort after properties and come at a higher price.

The most popular properties in Koh Samui for expats include:

  • Apartments and condominiums
  • Detached houses and townhouses
  • Beachfront villas
  • Resort-style residences

Renting and buying

If you’re looking to rent a property in Koh Samui, you’ll have plenty of options to meet most budgets.

Monthly rental rates for apartments start from around ฿10,000 ($300), depending on location, amenities, and property size. For instance, a luxury 4-bedroom villa could cost you as much as ฿140,000 ($4,000 USD / £3,300) per month.

Buying a home in Thailand is not straightforward as there are ownership regulations. Foreigners are typically able to own condominiums or leasehold properties only. However, you can hold a house through a Thai company or by leasing land and constructing the home yourself.

Finding your home – real estate agencies

Engaging a reputable real estate agent can be helpful when searching for a suitable home in Koh Samui. You can start to get familiar with the property market in Koh Samui via the popular real estate listing sites, including:

You can also find listings on websites like Airbnb and for long-term and short-term rentals.

Remember to thoroughly research any property and agency you’re considering renting with and seek advice and guidance before entering into any contracts.

Koh Samui – the cost of living

Food and groceries

You will find that groceries costs are quite reasonable in Koh Samui. You can expect to spend around $250 monthly on food and groceries as a single person.

A bird eye view of Angthong national marine park, Koh Samui
A bird eye view of Angthong national marine park, Koh Samui

In comparison, a family of four can expect to pay around $600 monthly. You will find a variety of local markets and supermarkets where you can purchase fresh produce, meat, and other essentials at affordable prices.


Your utility bills in Koh Samui will include electricity, water, and internet. The average monthly cost, with utilities including internet, should be around ฿3500 (100 USD / 85.00GBP).

Remember that electricity consumption may vary significantly depending on your air conditioning usage, which can be essential in a tropical climate like Koh Samui.

Lifestyle and culture

Living in Koh Samui offers a unique lifestyle and cultural experience. The island caters to diverse interests, whether you’re interested in leisure activities, nightlife, or days out shopping.

Leisure activities

There’s little point in moving to Koh Samui without immersing yourself in the island’s natural beauty by exploring its lush forests, waterfalls, and picturesque beaches.

If you’re interested in spirituality, you can visit and experience the many Buddhist temples across the island.

If an active lifestyle is top of your list, scuba diving, snorkelling, and hiking are abundant.

Cultural events such as traditional singing and dance performances are regularly held on the island, allowing you to take in Thailand’s incredible culture.

Koh Samui is home to various festivals throughout the year. One of the most exciting is Songkran, which celebrates the Thai New Year on the 9th of April every year with an extended holiday period.

Engaging in local events and celebrations can help you build new community connections while enjoying a fantastic experience.


Whatever you seek, you won’t be disappointed whether you’re looking for a casual bar, a beachfront lounge, or an energetic nightclub. Koh Samui has some of the best nightlife in Thailand.

You can choose locations with live music and entertainment or quieter places off the beaten path for a more relaxing atmosphere.

Bophut, for example, is known for its blend of tranquil and lively areas with plenty of dining and bar options along the beachfront.

If you need more inspiration, check out Travel Triangle for a list of parties and entertainment in Koh Samui.


Koh Samui caters to various shopping preferences, from local markets to large shopping centres.

For general shopping, no matter where you live on the island, you will never be very far from your local 7-eleven.

The island has a good mix of international brands and unique, locally-produced goods. If you’re seeking a traditional Thai shopping experience, visit the local markets to find fresh produce, clothing, and souvenirs.

For a more upscale shopping experience, head to the shopping centres, where you’ll find luxury and high-street brands as well as impressive dining and entertainment venues.

Central Festival Samui is one of the largest shopping centres on the island, built with three storeys and 90,000 square meters of space and well worth a visit.

Education in Koh Samui

International schools

Planning your move to Koh Samui with your family gives you the additional challenge of finding the best educational opportunities for your children. Koh Samui offers a variety of international and bilingual schools to choose from.

Expect to pay upwards of £1,000 per term for these international schools.

Language schools

Besides international schools, Koh Samui also hosts language schools for those looking to learn a new language.

Several language schools on the island offer Thai lessons and instruction in other languages, such as English and Chinese.

As an expat, you should learn some Thai to better communicate with the locals and connect yourself with the culture.

Remember that Koh Samui’s education provision might not be as broad as in other parts of Thailand or more developed countries due to the scarcity of specialist teachers on the island. Research the school and educational options thoroughly before making your decision.

Employment and business

Job opportunities

Living in Koh Samui offers limited job opportunities for expats. Most of the available positions are in the tourism, hospitality, and service industries.

However, you can find employment ranging from hotel and resort management to teaching English and working in the healthcare sector.

When seeking employment, utilise online platforms like LinkedIn or Glassdoor before you move to explore the vacancies available in Koh Samui.

Keep in mind that networking with fellow expats and attending community events can often be one of the best ways to find employment opportunities.

Starting a business

Starting a business in Koh Samui is challenging but possible. The majority of businesses on the island tend to be restaurants, bars, hotels, tour agencies and real estate ventures.

To start your business, you will need to get familiar with the Thai legal system and regulations to ensure your business incorporation goes as smoothly as possible.

Before starting up your venture, take time to research the administrative requirements, such as regulations for foreign ownership and obtaining permits and licenses.

If you do plan on starting a business in Koh Samui, it is important to establish connections and understand how cultural differences influence business in Thailand.

Connecting with experienced expats or local partners can provide valuable insights, experience, guidance, and networking opportunities for your new business venture.

Healthcare services in Koh Samui

Moving to Koh Samui means you’ll also need to look into your healthcare choices. You will find a variety of healthcare facilities, including public and private hospitals and specialist clinics.

If you have a work permit, you can access Thail public healthcare. However, most expats prefer private hospitals and clinics with many opting for international insurance. International health insurance can be quite expensive. To make sure you get the best value for money, compare international health insurance options from various providers to find the best deal. 

Public and private hospitals

In Koh Samui, you will have the choice of several hospitals. Although the services provided do tend to differ from Western health services, the healthcare provided here is generally adequate and very reasonably priced.

A well-respected private hospital on the island is Bangkok Hospital Samui, which is internationally accredited and primarily caters to foreign patients, including tourists.

Other hospitals include Wattanapat Hospital Samui, Thai International Hospital Samui, and Koh Samui Hospital.

As an expat living in Koh Samui, you can expect well-qualified, English-speaking medical practitioners to attend to your medical needs. The consultation costs, including any required medication, typically do not exceed £10 ($15) per visit.


The pharmacies in Koh Samui are easily accessible throughout the island.

Finding English-speaking staff who can guide and assist you as you select over-the-counter medications or purchase prescribed medications is normally quite easy.

Be aware of any potential differences in medication brands or names compared to your home country. If you can, make sure you bring a copy of your prescription for reference.

Remember that while many medications are available at the local pharmacies, it is always a good idea to maintain an adequate stock of essential medications that you regularly use in case of limited availability or stock.


Public transport

Getting around Koh Samui is relatively easy, and varied public transportation options are available.

One of the most popular means of transport is the Songthaew. These are pick-up trucks with covered seating areas that follow fixed routes around the island. They are economical and the cheapest means of transportation besides walking.

The songthaews primarily circle the 51km main ring road that cuts through every main beach town on the island.

Taxis are available just about everywhere on the island, making them a convenient and comfortable option. Remember that taxi fares will be more expensive than Songthaews, and negotiating the price before your journey is always a good idea.


Driving around Koh Samui can be a fun and efficient way to explore the island at your own pace. Renting a motorbike or scooter is especially popular for expats and tourists.

Having your own transport gives you additional freedom and flexibility to navigate the island easily. However, when using a motorbike or scooter, take care to always wear a helmet and obey the local traffic regulations.

You can also rent a car to explore the island if you prefer a more comfortable transport option.

A rental car will be extremely practical for families who want more convenient and flexible travel around the island.

Remember that in Koh Samui, you drive on the left side of the road, and it’s best to exercise caution, especially during rainy weather, as some of the roads can become very wet and slippery and difficult to navigate.

Car ownership

As an expat living in Koh Samui, you may well consider the extra convenience of owning a car.

Car ownership is ideal if you plan on staying on the island for an extended period. Car ownership in Thailand comes with similar obligations to back home, keeping the car maintained, having valid insurance, and up-to-date registration documents.

Owning a car also gives you greater freedom to explore the neighbouring islands using car ferries, providing even more possibilities to discover the picturesque beauty of Southern Thailand.

You will need a valid non-immigrant visa, work permit or proof of residence, and a valid Thai or international driving license to purchase a car.

When planning to live in Koh Samui, you will need to understand the visa types and legal issues you’ll face as an expat seeking long-term residence.

Here we’ll discuss the types of visas available for you can obtain for a long-term stay in Thailand.

Visa types

Depending on your personal situation and your reasons for living on the island, various types of visas may be suitable for you.

The most common types of visas include the following:

  • Tourist Visa: A short-term visa, usually valid for 60 days, can be extended for 30 days.
  • Non-Immigrant Visa: A longer-term visa, generally valid for 90 days, can be extended up to one year. This visa is suitable for business, work, or study purposes.
  • Retirement Visa: Available for those aged 50 and above, this visa allows you to stay in Thailand for a year and can be extended indefinitely, provided you meet the financial requirements.
  • Marriage Visa: If you’re married to a Thai citizen, you can apply for a marriage visa, which is initially valid for 90 days, and can be extended for one year at a time.

Visa requirements tend to change quite frequently. Consult with a local immigration office or an experienced immigration lawyer for up-to-date information and specific requirements for each visa type.

Long-term stay

You’ll likely need a Non-Immigrant, Retirement or Marriage Visa for long-term stays. Thai immigration laws are subject to change. You will help need to stay informed and compliant with the latest regulations while planning your move to Thailand.

Working in Thailand normally requires you to obtain a work permit, even if you are on a Non-Immigrant Visa. To get a work permit, your employer will have to provide the necessary documentation, and you must meet the qualifying criteria.

When considering a Retiree Visa, you’ll need to meet strict financial requirements, including having a reliable monthly income or a fixed sum of money in a Thai bank account.

If you marry a Thai citizen, you can obtain a Marriage Visa. You must provide proof of the marriage and meet the current financial requirements.

You can find more details and visa options in our guide on visas and residency in Thailand.

Final thoughts on living in Koh Samui

Living in Koh Samui is a remarkable experience that offers an unparalleled blend of natural beauty, cultural richness, and laid-back island living. With its stunning beaches, warm climate, welcoming locals, and diverse recreational opportunities, Koh Samui provides an idyllic setting if you seek an extraordinary lifestyle.

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Andy Williamson
Andy Williamson

Andy Williamson is the founder of Expatra, one of the most popular online research publications for expats. He's been a digital nomad since 2004, before it was even a thing!

Andy loves to play electric guitars at high volumes and is the official voice of the family dog. When he's not travelling or rocking out, he enjoys spending time with his very patient wife and daughter.

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