Can I Afford to Live in Koh Samui vs Chiang Mai on $75K?
Here's how a $75K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.
Monthly budget breakdown
| Expense | Koh Samui TH | Chiang Mai TH |
|---|---|---|
| Monthly take-home (est.) | $4,741 | $4,741 |
| 1BR rent | $620 | $390 |
| Groceries (est.) | $380 | $380 |
| Transport (est.) | $150 | $150 |
| Utilities | $70 | $55 |
| Internet | $28 | $20 |
| Left after essentials | $3,493/month | $3,746/month |
Frequently asked questions
Is $75K a good salary in Koh Samui?
At $75K/year in Koh Samui, your estimated monthly take-home is $4,741. With 1BR rent around $620/month, rent takes up 13% of your take-home. That's considered very comfortable.
Is $75K a good salary in Chiang Mai?
At $75K/year in Chiang Mai, your estimated monthly take-home is $4,741. With 1BR rent around $390/month, rent takes up 8% of your take-home. That's considered very comfortable.
Which city is more affordable on a $75K salary?
Chiang Mai leaves you with more money after core expenses — $3,746/month vs $3,493/month in Koh Samui.
Can I afford to live alone in Koh Samui on $75K?
Yes. At $75K in Koh Samui, rent takes 13% of your take-home, leaving $3,493/month after essentials. Most financial planners recommend keeping rent below 30%.
See the full cost-of-living comparison
Rent, groceries, taxes, transportation, and more — side by side.
Take-home estimates use simplified federal/state brackets and do not account for pre-tax deductions, 401(k), or local taxes. Data: Zillow, BLS, Numbeo · Q1 2026 · For general guidance only