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Moving to Koh Samui, Thailand | Expat Exchange
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Moving to Koh Samui, Thailand

By Betsy Burlingame

Last updated on Feb 11, 2024

Summary: Moving to Koh Samui, Thailand? Expats talk about what you need to know before moving to Koh Samui.

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What do I need to know before moving to Koh Samui?

When we asked people what advice they would give someone preparing to move to Koh Samui, they said:

"Before moving to Koh Samui, expats should know that the cost of living is relatively low compared to Western countries, but higher than in other parts of Thailand. The island's primary language is Thai, so learning some basic Thai phrases can be beneficial. English is widely spoken in tourist areas, but less so in local communities. Healthcare facilities on the island are good, with several international hospitals available. However, it's recommended to have comprehensive health insurance as medical costs can be high. The climate in Koh Samui is tropical, with high temperatures and humidity throughout the year. There are three seasons: dry, hot, and rainy. Koh Samui is a popular tourist destination, so it can get crowded, especially during peak seasons. The island's culture is a mix of traditional Thai and modern Western influences, with Buddhism playing a significant role in daily life. Expats should also be aware of the visa requirements for living in Thailand. A non-immigrant visa is typically required, which can be obtained from a Thai embassy or consulate before arrival. Driving is a common way to get around the island, but traffic laws may be different from what expats are used to. It's important to understand local customs and etiquette, such as showing respect to the Thai Royal Family and following dress codes at religious sites. Finally, while Koh Samui is generally safe, it's still important to take standard precautions to protect personal safety and belongings," said one expat in Koh Samui.

How do I find a place to live in Koh Samui?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"Finding a place to live in Koh Samui, involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from a simple beach bungalow to a luxury villa. Next, research the different areas of Koh Samui to decide where you'd like to live. The island is divided into several areas, each with its own unique vibe. For example, Chaweng is known for its nightlife, while Bophut is more family-friendly. Once you've decided on an area, start looking for available properties. You can do this online through websites like Airbnb, Booking.com, or local real estate websites. Alternatively, you can hire a local real estate agent to help you find a place. When you've found a potential place, arrange a viewing. This will give you a chance to see the property in person and ask any questions you might have. Before signing a lease, make sure to read it carefully and understand all the terms and conditions. If you're not fluent in Thai, consider hiring a translator or a lawyer to help you. Finally, once you've signed the lease, you'll need to pay a deposit and possibly the first month's rent. After that, you can move into your new home in Koh Samui. Remember, it's important to take your time and not rush the process. Finding the right place to live can take time, but it's worth it to ensure you're happy and comfortable in your new home," commented one expat who made the move to Koh Samui.

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What is a typical expat home or apartment like in Koh Samui?

"A typical expat home or apartment in Koh Samui, is often a blend of modern comfort and traditional Thai aesthetics. These homes are usually located in secure residential areas, often within gated communities that offer a range of amenities such as swimming pools, fitness centers, and 24-hour security. The homes themselves are often spacious, with open-plan living areas, fully equipped kitchens, and multiple bedrooms and bathrooms. They are typically furnished with a mix of contemporary and traditional Thai furniture, with plenty of natural light and ventilation. Many homes also feature outdoor spaces, such as balconies or terraces, with some even boasting private pools or gardens. The apartments, on the other hand, are usually located in high-rise buildings, offering stunning views of the island's coastline or lush interior. They are typically smaller than the standalone homes but are equally well-appointed, with modern kitchens, comfortable living areas, and one or two bedrooms. Both homes and apartments are often located close to the island's many attractions, such as its beautiful beaches, vibrant nightlife, and bustling markets, making them ideal for expats looking to immerse themselves in the local culture. Despite the luxurious nature of many of these properties, they are often surprisingly affordable, thanks to Thailand's relatively low cost of living. This, combined with the island's warm climate and friendly locals, makes Koh Samui a popular choice for expats from around the world," replied a member in Koh Samui.

What is the average cost of housing in Koh Samui?

If you are thinking about moving to Koh Samui, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The average cost of housing in Koh Samui can vary greatly depending on the location, size, and type of property. For a one-bedroom apartment in the city center, you might expect to pay a monthly rent of around 10,000 to 15,000 Thai Baht. If you're looking at a three-bedroom apartment in the same area, the cost could rise to between 25,000 and 40,000 Thai Baht per month. For those interested in purchasing property, a new condo unit might cost anywhere from 2 million to 6 million Thai Baht, while a private villa could range from 15 million to over 100 million Thai Baht. However, these prices can fluctuate based on market conditions and other factors," remarked one expat who made the move to Koh Samui.

Should I buy or rent a home in Koh Samui?

If you have not spent a lot of time in Koh Samui, you should rent before even thinking about buying. We asked expats there about the buy vs. rent decision:

"The decision to buy or rent a home in Koh Samui, largely depends on your personal circumstances, financial situation, and long-term plans. If you plan to stay in Koh Samui for a long period or frequently visit, buying a home could be a good investment. Owning a property allows you to have a permanent base, gives you the freedom to make changes to the property, and could potentially provide rental income if you choose to rent it out when you're not there. On the other hand, renting a home in Koh Samui offers more flexibility. It's a good option if you're not sure how long you'll be staying or if you like to move around. Renting also means you won't have to worry about property maintenance or the fluctuating property market. However, it's important to note that foreign ownership of land is technically prohibited in Thailand, although there are legal structures that can be put in place to overcome this, such as long-term leases or setting up a Thai limited company. It's recommended to seek legal advice before making a decision. It's also worth considering factors such as the location, the type of property, and the local property market conditions. In conclusion, both buying and renting a home in Koh Samui have their own advantages and disadvantages. It's a decision that should be made based on your individual needs and circumstances," commented one expat who made the move to Koh Samui.

What should I pack when moving to Koh Samui?

We asked people living in Koh Samui to list three things they wish they had brought and three they wish they had left behind. They responded:

"When moving to Koh Samui, it's important to pack lightweight and breathable clothing due to the tropical climate. Include items like shorts, t-shirts, and sundresses, as well as a light jacket or sweater for cooler evenings. Don't forget your swimwear, as the island is known for its beautiful beaches. Pack a good pair of walking shoes or sandals suitable for exploring the island and its natural attractions. Also, consider packing a pair of dressier shoes for nights out or visits to higher-end restaurants. Sun protection is crucial in Koh Samui, so be sure to pack a wide-brimmed hat, sunglasses, and plenty of high-SPF sunscreen. A reusable water bottle is also a good idea to stay hydrated in the heat. Remember to pack all necessary toiletries, including any prescription medications you may need. While you can find most basic toiletries in Koh Samui, specific brands or products may not be available. Bring along a good quality insect repellent to protect against mosquitoes, especially if you plan on visiting the island's more rural areas. If you plan on using your electronic devices, don't forget to pack a power adapter that fits Thai outlets. Lastly, pack a copy of your important documents, such as your passport, visa, and travel insurance papers. It's also a good idea to have digital copies stored securely online," replied a member in Koh Samui.

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What cultural faux pas should I try to avoid making in Koh Samui?

We asked people in Koh Samui if they could share any humorous cultural blunders they commited. For new expats, keep in mind that these incidents are an inevitable part of expat life. Learning to laugh about them is the key!:

"In Koh Samui, it is considered disrespectful to touch someone's head as it is regarded as the most sacred part of the body. Avoid pointing your feet at people or religious objects, as feet are considered the lowest and dirtiest part of the body. It's also considered rude to step over someone's legs or feet, so always walk around. Public displays of affection are generally frowned upon, especially in religious or sacred places. Dress modestly, particularly when visiting temples or other religious sites. Women should cover their shoulders and knees, and men should wear shirts with sleeves. Avoid showing anger or frustration in public, as Thais value keeping a cool head and maintaining harmony. It's also considered impolite to criticize the Thai royal family, which can even lead to legal consequences. When eating, don't stick your fork into your mouth. Instead, use it to push food onto your spoon. Also, leave a little food on your plate after a meal to show that you're full and the host has provided enough food. Always remove your shoes before entering someone's home or a temple. It's also polite to return a wai (traditional Thai greeting) when one is given to you, but it's not expected for you to initiate it. Lastly, be respectful of the local customs and traditions. Participate in local festivals and events, but always remember to respect the culture and the people," said one expat who made the move to Koh Samui.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

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SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
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