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Koh Samui, Thailand: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Koh Samui | Expat Exchange
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Koh Samui, Thailand

By Betsy Burlingame

Last updated on Jul 03, 2024

Summary: Expats, digital nomads and retirees talk about what it is really like living in Koh Samui, Thailand. They offer advice about meeting people, cost of living, finding a home and more.

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What do I need to know about living in Koh Samui?

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

"Before retiring in Koh Samui, expats should be aware that they will need a retirement visa, which requires them to meet certain financial requirements and be at least 50 years old. They should also know that the cost of living can be higher than in other parts of Thailand, although it is still generally lower than in Western countries. Expats should be prepared for a tropical climate, with high temperatures and humidity year-round, and a rainy season that lasts from September to December. They should also be aware that English is not widely spoken outside of tourist areas, so learning some basic Thai can be very beneficial. Healthcare in Koh Samui is generally good, with several international hospitals on the island, but expats may want to consider getting health insurance to cover any potential medical costs. Expats should also know that while Koh Samui is a popular tourist destination, it also has a strong local culture and traditions that should be respected. This includes dressing modestly, especially when visiting temples and other religious sites, and being mindful of local customs and etiquette. Finally, expats should be aware that while Koh Samui has a lot to offer in terms of natural beauty and leisure activities, it can also be quite crowded and busy, especially during the peak tourist season. Therefore, those looking for a quiet, peaceful retirement may want to consider other locations in Thailand," remarked one expat who made the move 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," explained one expat living in Koh Samui, Thailand.

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," remarked one expat who made the move to Koh Samui.

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," explained one expat living in Koh Samui, Thailand.

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," said one expat in Koh Samui.

How do I meet people in Koh Samui?

When we asked people living in Koh Samui about club and activities where newcomers can meet others, they responded:

"Expats in Koh Samui often join various clubs and activities to socialize and meet new people. These include fitness clubs, yoga classes, cooking classes, language exchange groups, and diving clubs, which are popular due to the island's beautiful underwater scenery. There are also several golf clubs and sailing clubs for those interested in these sports. In addition to clubs and activities, expats often meet people through community events and festivals. Koh Samui has a vibrant cultural scene with many local festivals such as the Samui Regatta, the Fisherman's Village Festival, and the Buffalo Fighting Festival. These events provide a great opportunity for expats to mingle with locals and other foreigners. Expats also meet people through volunteering. There are numerous opportunities to give back to the community in Koh Samui, from teaching English to local children to helping out at animal shelters. Volunteering not only allows expats to make a positive impact, but also to meet like-minded individuals. Another popular way for expats to meet people is through networking events. These can be organized by local businesses, expat groups, or international organizations. Networking events often include socializing, presentations, and sometimes even guest speakers. Lastly, many expats meet people simply by frequenting local restaurants, bars, and cafes. Koh Samui has a diverse food scene with many establishments catering to international tastes. By becoming a regular at these places, expats can get to know the staff and other patrons, making it easier to form connections," remarked one expat living in Koh Samui, Thailand.

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What should I bring when moving to Koh Samui?

People living in Koh Samui were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"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," said one expat who made the move to Koh Samui.

Where should I setup a bank account in Koh Samui?

We asked expats in Koh Samui what banks they use and there advice about banking. They advised:

"Before retiring in Koh Samui, expats should know that they will need a retirement visa, which requires them to be at least 50 years old and to meet certain financial requirements. They should also be aware that the cost of living can be higher than in other parts of Thailand, although it is still generally lower than in Western countries. Expats should understand that while English is widely spoken in tourist areas, learning some basic Thai can be very beneficial. They should also be prepared for the tropical climate, which includes a rainy season that can last from September to December. Healthcare in Koh Samui is generally good, with several international hospitals available. However, expats should ensure they have comprehensive health insurance as healthcare can be expensive. Expats should also be aware that while Koh Samui is a popular tourist destination, it can also be a quiet place to live, especially outside of the main tourist areas. Therefore, it's important to visit first and get a feel for the island before deciding to retire there. Understanding the local customs and culture is also important. Thai people place a great deal of importance on respect and politeness, and it's crucial to follow local customs to maintain good relationships with the local community. Finally, expats should know that while Koh Samui offers a relaxed lifestyle, it can also be quite isolated. Therefore, it's important to consider how you'll stay connected with family and friends back home, and whether you're comfortable with the distance and travel time involved," commented one expat who made the move to Koh Samui.

Will I be able to find a job in Koh Samui?

When we asked people about industries and career opportunities in Koh Samui, they reponded:

"Foreigners in Koh Samui often work in the tourism industry, taking roles such as hotel managers, tour guides, or diving instructors. Some also work in the food and beverage industry, running their own restaurants or bars. Others are employed in real estate, either as agents or property managers. There are also opportunities for foreigners to teach English or other languages in local schools or private language centers. Additionally, some foreigners work in the wellness industry, offering yoga or fitness classes, or providing massage or spa services. Lastly, with the rise of digital technology, many foreigners are working remotely in fields such as IT, graphic design, or digital marketing," said one expat in Koh Samui.

What is life like in Koh Samui?

When we asked people living in Koh Samui what life is like and how people spend their time, they said:

"Life for expats and digital nomads in Koh Samui is often described as a tropical paradise. The island offers a relaxed lifestyle with beautiful beaches, lush greenery, and a warm climate year-round. The cost of living is relatively low, allowing for comfortable living with access to modern amenities such as high-speed internet, international cuisine, and healthcare facilities. The expat community is quite large and diverse, providing opportunities for socializing and networking. Many expats and digital nomads work from co-working spaces, cafes, or from their homes, enjoying the flexibility and work-life balance that the island offers. English is widely spoken in Koh Samui, making it easier for foreigners to communicate and navigate their daily lives. The local Thai culture is rich and welcoming, with opportunities to learn the language and participate in local traditions and festivals. Despite its laid-back atmosphere, Koh Samui also has a vibrant nightlife with plenty of bars, restaurants, and clubs. It also offers a range of activities from water sports to yoga retreats, making it an attractive destination for those seeking both relaxation and adventure. However, it's not without its challenges. The island's infrastructure can be less developed compared to Western standards, and dealing with Thai bureaucracy can be complex. Also, while crime rates are relatively low, it's important for expats to be aware of their surroundings and take necessary precautions. Overall, life for expats and digital nomads in Koh Samui offers a unique blend of tropical living, cultural immersion, and a supportive community," said one expat who made the move to Koh Samui.

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What do expats in Koh Samui appreciate most about the local culture?

"Expats in Koh Samui often appreciate the warm and welcoming nature of the local people. They are known for their hospitality and friendliness, making foreigners feel at home. The laid-back lifestyle is another aspect that expats enjoy, as it provides a stark contrast to the hustle and bustle of Western cities. The rich cultural heritage, including traditional Thai music, dance, and festivals, is also highly appreciated. Expats often participate in these cultural events, which helps them to integrate into the local community. The local cuisine is another highlight for many expats. Thai food is renowned worldwide for its flavors and diversity, and Koh Samui offers a wide range of both street food and high-end restaurants. The Buddhist philosophy and way of life, which is deeply ingrained in the local culture, is also something that many expats find appealing. This includes the practice of mindfulness, meditation, and the emphasis on living a balanced and peaceful life. Finally, the natural beauty of Koh Samui, with its stunning beaches, lush landscapes, and tropical climate, is something that expats often mention as one of the best aspects of living there. The island offers a wide range of outdoor activities, from hiking and snorkeling to yoga and wellness retreats," said one expat in Koh Samui.

What do expats find most challenging?

"Expats in Koh Samui often find the language barrier to be the most challenging aspect of the local culture. Thai is a tonal language and can be difficult to learn, making communication with locals a challenge. Another challenge is understanding and adapting to the local customs and etiquette. Thai culture places a high value on respect and politeness, and there are many social norms that may be unfamiliar to foreigners. For example, it is considered disrespectful to touch someone's head or to point your feet at someone. The pace of life in Koh Samui can also be a challenge for expats. The local culture is much more laid-back and relaxed than in many Western countries, and things often don't happen as quickly or efficiently as expats might be used to. The heat and humidity of the tropical climate can also be difficult to adjust to, particularly for those from cooler climates. Finally, while Thai food is delicious, it can be very spicy and may not suit everyone's palate. Some expats may also struggle with the lack of variety in the local diet, particularly if they are used to a wider range of international cuisine," remarked one expat who made the move to Koh Samui.

Is there a lot of crime in Koh Samui?

We asked people if there is a lot of crime. They answered:

"Koh Samui, like any other tourist destination, experiences some level of crime. However, it is generally considered safe for tourists. The most common crimes reported are petty thefts, such as pickpocketing, especially in crowded areas or on public transportation. Scams targeting tourists are also not uncommon, with taxi scams being one of the most frequent. Violent crime is relatively rare, but it does occur occasionally, often linked to the local nightlife scene. Drug-related crimes are also present, as Thailand has strict laws against drug use and trafficking. Despite these issues, the majority of visitors to Koh Samui have a safe and enjoyable experience, especially when they take basic precautions to protect their belongings and personal safety," said one expat who made the move to Koh Samui.

Is there a lot of diversity? Are people in Koh Samui accepting of differences?

"Koh Samui, is a melting pot of cultures, attracting people from all over the world. The island is home to a diverse population, including native Thais, expatriates from various countries, and a steady stream of international tourists. This diversity is reflected in the island's vibrant food scene, its range of religious sites, and its bustling nightlife. People in Koh Samui are generally accepting of differences, thanks to the island's long history as a tourist destination. The local population is used to interacting with people from different cultures and backgrounds, and they are typically welcoming and friendly. The island's expatriate and tourist communities also contribute to this atmosphere of acceptance, as they bring a wide range of perspectives and experiences to the island. However, like anywhere else in the world, individual experiences may vary," remarked one expat who made the move to Koh Samui.

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What are the schools in Koh Samui like?

"1. International School of Samui: This is a British curriculum international school that caters to students from pre-school to secondary level. The school is located in a beautiful tropical setting and offers a wide range of academic and extracurricular activities. The school is accredited by the Education Development Trust and is a member of the International Schools Association of Thailand. More information can be found on their website: [http://www.iss.ac.th/](http://www.iss.ac.th/) 2. Panyadee, the British International School of Samui: This school offers a British curriculum for children aged 2 to 16 years. The school is known for its small class sizes, personalized attention to students, and a strong emphasis on values such as respect, responsibility, and resilience. More details can be found on their website: [http://www.panyadee.ac.th/](http://www.panyadee.ac.th/) 3. Oonrak Koh Samui School: This is a bilingual school that offers a curriculum based on the Thai National Curriculum and the English National Curriculum. The school caters to students from pre-school to secondary level and is known for its nurturing and inclusive environment. More information can be found on their website: [http://www.oonraksamui.ac.th/](http://www.oonraksamui.ac.th/) 4. Samui Centre of Learning: This is a small international school that offers a British curriculum for students aged 5 to 16 years. The school is known for its personalized approach to education and its commitment to fostering a love of learning in its students. More details can be found on their website: [http://www.samuicentreoflearning.com/](http://www.samuicentreoflearning.com/) 5. Lamai International School: This is a bilingual school that offers a curriculum based on the Thai National Curriculum and the English National Curriculum. The school caters to students from pre-school to secondary level and is known for its strong emphasis on academic excellence and character development. More information can be found on their website: [http://www.lamai-international-school.com/](http://www.lamai-international-school.com/)," said one expat in Koh Samui with children at .

"The social scene in Koh Samui is vibrant and diverse, catering to a wide range of interests. The island is known for its lively nightlife, with a plethora of bars, clubs, and beach parties, particularly in areas like Chaweng and Lamai. For those who prefer a quieter scene, there are also plenty of upscale restaurants and cocktail bars, particularly in the Fisherman's Village in Bophut. The island also hosts a variety of events and festivals throughout the year, such as the Samui Regatta and the Buffalo Fighting Festival, which attract both locals and tourists. Additionally, Koh Samui has a strong expat community, offering opportunities for socializing and networking. The island is also known for its wellness scene, with numerous yoga retreats and health resorts, providing a social environment for those interested in health and wellbeing," mentioned one expat inKoh Samui.

What advice to expats in Koh Samui have about housing?

"Expats in Koh Samui advise that you should thoroughly research the area before deciding on a place to live. They suggest visiting the island first to get a feel for the different neighborhoods and to see which one suits your lifestyle and preferences. They also recommend renting before buying, as this gives you a chance to experience living in Koh Samui without making a long-term commitment. Expats also advise checking the proximity of the house to amenities such as supermarkets, restaurants, and hospitals. They suggest considering the noise level in the area, especially if you prefer a quiet environment. When it comes to renting or buying a house, expats recommend hiring a reputable real estate agent who is familiar with the local market and can guide you through the process. They also suggest having a lawyer review any contracts before signing. Expats also warn about the potential for scams, advising newcomers to be cautious and to never pay money upfront without seeing the property and verifying the legitimacy of the landlord or seller. Finally, expats in Koh Samui advise considering the climate and weather patterns when choosing a house. They recommend houses that are built to withstand the tropical climate, with good ventilation and protection from heavy rains," said one expat.

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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