A Full Guide To Living In Phuket As An Expat [2026 Update]

Planning to move to Phuket? Learn about the cost of living in Phuket, Thailand, safety, visas, and finding the perfect Phuket property for sale.

Phuket has quietly evolved from a backpacker's beach stop into one of Southeast Asia's most sought-after destinations for long-term living. With around 115,000 expats already calling it home, the island offers something rare: white-sand beaches and world-class dining within reach of international hospitals and reputable schools. If you're researching Phuket property for sale or curious about what day-to-day living in Phuket as an expat actually looks like, this guide breaks down everything from monthly budgets to neighborhoods, healthcare, and finding the right home.

Why Expats Choose Phuket

Other than the perks of gorgeous sunsets every day and a diverse land. Expats relocate here for practical reasons that make long-term living genuinely enjoyable:

• Year-round tropical climate with warm temperatures averaging 27-32°C and stunning beaches like Bang Tao, Kata, and Nai Harn
• Lower cost of living compared to Western countries, allowing for a higher quality of life on a moderate budget
• Thriving international community with expats from Europe, Australia, Russia, China, and North America, creating a diverse social scene
• Modern infrastructure including reliable high-speed internet, international-standard hospitals, and shopping centers
• Outdoor lifestyle opportunities such as diving, golf at championship courses, yachting, wellness retreats, and island-hopping adventures

The combination of relaxation and access to amenities makes Phuket particularly attractive for retirees, remote workers, and families seeking a lifestyle upgrade.

Cost of Living in Phuket

One of the most common questions prospective expats ask is about the cost of living in Phuket, Thailand. The good news is that comfortable living is achievable on a moderate budget, though your lifestyle choices will significantly impact your monthly expenses.

Monthly Budget Overview:

Most expats report living comfortably on approximately $1,500 to $2,500 per month. If you are seeking a more upscale lifestyle with luxury housing and frequent dining out should budget $3,500 or more.

Housing Costs

• Budget apartments: ฿10,000-15,000/month ($280-420)
• Mid-range condominiums (1-2 bedrooms): ฿15,000-40,000/month ($420-1,120)
• Pool villas (3-4 bedrooms): ฿60,000-150,000/month ($1,680-4,200)
• Premium villas in gated communities: ฿150,000+/month

Dining

• Street food and local restaurants: ฿50-150 per meal ($1.50-4.20)
• Mid-range restaurants: ฿200-500 per person ($5.60-14)
• Upscale international restaurants: ฿800-2,000+ per person

Utilities and Internet

Monthly utilities, including electricity, water, and high-speed internet, typically run ฿3,000-6,000 ($85-170), with air conditioning use being the primary variable.

Best Areas for Expats in Phuket

Choosing the right neighborhood significantly impacts your experience. Here are the most popular areas for expats:

Laguna

Laguna is widely considered the top choice for families and those seeking an integrated resort lifestyle. The area features gated communities, proximity to international schools, championship golf courses, and direct beach access. Properties here tend to be newer and designed with international residents in mind.

Chalong

A family-friendly area with a more local feel, Chalong offers convenient access to supermarkets, restaurants, and everyday amenities. It's popular among expats who want to be close to the action without the tourist crowds.

Rawai and Kata

These southern areas attract expats seeking laid-back coastal living with a strong sense of community. Rawai is known for its seafood markets and relaxed vibe, while Kata offers excellent beaches and a mix of local and international restaurants.

Bang Tao and Kamala

For those seeking an upscale lifestyle, Bang Tao and Kamala deliver with beach clubs, fine dining, boutique shops, and high-end villa developments. These areas have become hubs for the island's luxury scene.

Healthcare and Education

Healthcare Facilities

Great healthcare facilities are an important part of any move. Phuket offers international-standard medical care, with Bangkok Hospital Phuket being the most recognized facility. It holds JCI accreditation and provides services in multiple languages.

Other quality options include Phuket International Hospital and Dibuk Hospital. Routine medical visits and procedures cost a fraction of Western prices, though private health insurance is strongly recommended for all expats.

International Schools

Families will find several excellent international schools on the island:

• British International School Phuket (BISP): One of Asia's leading international schools offering IB curriculum
• UWC Thailand: United World College with a focus on sustainability and international mindedness
• HeadStart International School: British curriculum with strong academic results

Annual tuition ranges from ฿150,000 to ฿600,000+, depending on the school and grade level.

Safety in Phuket

Is Phuket, Thailand safe for expats and their families? Generally, yes. The U.S. State Department lists Thailand under a Level 1 Travel Advisory, advising basic precautions. Violent crime against expats is rare, and the island has a dedicated tourist police hotline (1155) for assistance.

That said, common-sense precautions apply. Motorbike safety is a genuine concern, as traffic accidents are the leading cause of injury for visitors. Petty theft can occur in crowded tourist areas, and it's wise to be cautious in nightlife districts. Families will find Phuket's resort areas and gated communities particularly safe, with many designed specifically for international residents.

Visa Options for Long-Term Living

Thailand offers several pathways for expats planning to stay long-term:

Retirement Visa (Non-Immigrant O-A)

Available to those aged 50 and over who meet financial requirements (฿800,000 in a Thai bank account or a monthly income of ฿65,000). Renewable annually with 90-day reporting obligations.

Long-Term Resident (LTR) Visa

Thailand's newer 10-year visa program targets four categories: Wealthy Global Citizens, Wealthy Pensioners, Work-from-Thailand Professionals, and Highly Skilled Professionals. Benefits include reduced reporting requirements, work permit facilitation, and potential tax advantages.

Work Visa (Non-Immigrant B)

For those employed by Thai companies or operating businesses in Thailand.

Tax considerations vary based on residency status and income sources. Consulting with a qualified tax advisor before relocating is recommended for anyone with a complex financial situation.

Finding the Right Property in Phuket

When searching for Phuket property for sale, the 2026 market shows a distinct trend: expats are moving away from isolated villas toward Integrated Developments. These "lifestyle ecosystems" provide resort-style facilities and benefits most expats are seeking, from pools and fitness centers to on-site management, high-security, and, crucially, higher resale liquidity.

Trust Banyan Group Residences For Your New Home

For expats serious about finding quality property in Phuket, Banyan Group Residences has become a trusted name. With decades of experience developing hospitality and residential properties across Asia and beyond, the group brings a level of expertise that independent developers simply cannot match. Their portfolio spans multiple brands, including Banyan Tree Residences, Angsana Residences, Cassia, Laguna Residences, and the newly launched Bellaguna.

What sets Banyan Group apart for expat buyers is the understanding of international lifestyles. Properties are designed with global standards in mind, from construction quality to interior layouts that suit how expats actually live. Owners also gain access to the exclusive Sanctuary Club, which provides discounts and privileges across Banyan Group's global network of hotels, resorts, and residences. This means your Phuket home can also unlock benefits when you travel.

For families and investors, the Laguna Phuket area remains the gold standard. Being near the beach is always a bonus, but it’s more about having world-class golf courses, medical clinics, and retail hubs within a 5-minute golf-cart ride.

Bellaguna Lake Residences Lotus is an ideal example of what living in Phuket as an expat can look like. As the debut development under Banyan Group’s Bellaguna brand, it addresses these top demands of the modern expat:

• One to three-bedroom condominiums and penthouses
• Floor-to-ceiling windows with views of the lagoon, landscaped gardens, and the Andaman Sea
• Private rooftop infinity pools for two and three-bedroom penthouses
• Thoughtful design with expansive outdoor terraces and natural light throughout
• Access to Laguna Phuket's championship golf courses, beaches, restaurants, and recreational facilities

The integrated community setting means everyday conveniences, dining options, and lifestyle activities are just moments away, while the Banyan Group's service standards ensure your investment is professionally managed.

Your Next Step to Phuket Living

Phuket delivers on its promise of tropical living without sacrificing the conveniences and safety that matter to expats. With the cost of living in Phuket, Thailand remaining favorable compared to Western alternatives, quality healthcare readily available, and a welcoming international community, the island continues to attract potential individuals and families.

If you're ready to explore your options, discovering the right property is an essential step. Bellaguna Lake Residences Lotus offers the opportunity to own a home designed for the lifestyle Phuket makes possible.

Discover Bellaguna Lake Residences Lotus

Frequently Asked Questions

Q: What is the average cost of living in Phuket for expats?

A: Most expats live comfortably on $1,500 to $2,500 per month, covering housing, food, transportation, and utilities. Those seeking a more upscale lifestyle with luxury accommodations and frequent dining should budget $3,500 or more monthly.

Q: Is Phuket safe for families with children?

A: Yes, Phuket is generally considered safe for families. The island has international-standard hospitals, reputable international schools, and family-oriented communities, particularly in areas like Laguna. Common precautions around road safety and beach swimming apply.

Q: What visa options are available for retiring in Thailand?

A: The most common option is the Retirement Visa (Non-Immigrant O-A) for those aged 50+ who meet financial requirements. Thailand's newer Long-Term Resident (LTR) Visa offers a 10-year option for qualifying retirees, remote professionals, and high-net-worth individuals.

Q: Can foreigners buy property in Phuket?

A: Foreigners can legally own condominium units in Thailand, provided foreign ownership in any single building doesn't exceed 49%. Freehold land ownership is restricted, but long-term leasehold arrangements are common for villa purchases.

Q: What are the best neighborhoods in Phuket for expats?

A: Laguna is the top choice for families seeking international schools and integrated resort amenities. Chalong offers a family-friendly local atmosphere, while Bang Tao and Kamala attract those seeking upscale beach club lifestyles. Rawai and Kata provide laid-back coastal living.

Q: How good is the healthcare in Phuket?

A: Phuket has several international-standard hospitals, including Bangkok Hospital Phuket (JCI-accredited). Medical care quality is high, and costs are significantly lower than in Western countries. Private health insurance is recommended for all expats.

References:

1. Long‑Term Resident Visa (LTR Visa). (n.d.). Royal Thai Consulate‑General, Los Angeles. Retrieved January 28, 2026, from https://thaiconsulatela.thaiembassy.org/en/publicservice/long‑term‑resident‑visa‑ltr‑visa
2. Phuket’s Elite Education: A 2025 Deep‑Dive into the Best International Schools for Expat Families. (2025, November 5). Forbes & Partners. Retrieved January 28, 2026, from https://www.forbesandpartners.com/phuket‑international‑schools‑expat‑comparison/ 
3. Cost of living in Phuket, Thailand. (n.d.). Expatistan. Retrieved January 28, 2026, from https://www.expatistan.com/cost‑of‑living/phuket