What are the monthly living expenses I should consider when moving to Thailand with my family?

Jun 17, 2022
2 years ago
Sun *****
ORIGINAL POSTER
Hi all I’m thinking of going to live in Thailand from the uk I will obviously need a house & car to rent for 6 months until my house is finished , health ? insurance and also money for a international school for my 4 year old what others monthly expenses will I need I’m married to a thai but we currently live In The uk what kind of money will I need to start off and what income will I need monthly to live comfortably. Tia
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TLDR : Answer Summary
When planning a move to Thailand, several key factors will influence your monthly expenses. Aside from housing, which can range from 15,000 to 150,000 THB depending on the location and type, you should budget for health insurance, international school fees, and groceries. For international schools, costs can be as high as 50,000 THB per month, with additional enrollment fees. Other considerations include utility bills, transportation (especially if you need a car), and general living expenses which can vary greatly based on lifestyle choices. On average, expats suggest a monthly budget ranging from 50,000 to 130,000 THB for a comfortable lifestyle, although this can be higher in tourist-heavy areas like Bangkok or Phuket.
Sheen ************
Some proper grown up research would help
Judd **********
I am spending 60k on rent a month, 800k a year on school per kid, 20k a month to rent an SUV, 20k on groceries,spending 60k more on entertainment per month.
Chris *********************
@Judd *********
you are faulty why not say in the 1st place your living on expenses hahaha 😆 faulty person
Judd **********
@Chris ********************
it appears you don’t understand compensation packages beyond an hourly rate. If you are on a fixed retirement income budgeting is much more important if you don’t anticipate increasing income or assets.
Chris *********************
@Judd *********
not on a pension not on expenses don't rip anyone off .

You got your expenses and salary ripping small companies off getting them to join a bigger company. I worked for rand mines in SA iv seen it all b4 you on expenses, plus bonus for ripping smaller companies off .enough said you low life company yes man
Judd **********
@Chris ********************
sounds like you got it figured out. Glad we are both enjoying our time in Thailand
Chris *********************
@Judd *********
you must have some money 💰 to be spending all that
Judd **********
@Chris ********************
also in Phuket so it is expensive here
Chris *********************
@Judd *********
that's just under 4k sterling a month 😳
Judd **********
@Chris ********************
spending money is my favorite
Chris *********************
@Judd *********
not last long spending like that mate
Judd **********
@Chris ********************
like I said, everyone’s income is different. Passive income greater that that is forever in Thailand.
Chris *********************
@Judd *********
I think you pissing up people's backs .

20k a month you could buy a suv for that a month, 800k on kids school is it a boarding , school. You rent for 60k a month ,you must not be very confident in your wife not to commit to buying, and as for 800k to send your kids to school must be a sleep over school
Judd **********
@Chris ********************
800k is tuition only per kid. I am underselling my spend
Judd **********
@Chris ********************
I am not retired. Still working and it is less than living in the US.
Chris *********************
@Judd *********
I'm not retired but I keep going back to uk to work but 160k a month + school fees ????
Judd **********
@Chris ********************
everyone has different income but this is far below the $20k a month I was spending in China to live a similar lifestyle.
Chris *********************
@Judd *********
if you don't mind me asking what is your job
Judd **********
@Chris ********************
Mergers and acquisitions executive for a large oil company. New business development and joint venture negotiations globally.
Chris *********************
@Judd *********
so you fk small companies over to make your bosses richer
Chris *********************
So your company is paying for all this ,got you now all on expenses. Tut tut you here to take smallish thai company's down to ad to your company's portfolio,
Judd **********
@Chris ********************
? Tens to hundreds of millions of dollar investments mostly in China. Like I said. Everyone has different budgets. Companies value you for less than the value you create. It’s ok to be comfortable making 1 or 2 million baht a year in Thailand. Lots of people are ok doing that. I just think to live on a western lifestyle I am targeting 15-20M baht.
Walter ***********
*****
0 to
*****
0 a month to live a western type lifestyle int school depends on age but ours is over 400,000 pa for each child
Bruce *****
About THB 130k a month
Mark ******
@Bruce ****
I am not disagreeing outright....but $3700 or so USD seems to be an awful lot for a family of just 3. But then again we all have different amounts of money to spend....and different lifestyles to live. I know of many expat families who make do in Thailand for much less.
Mark ******
One can add as much as they wish....I can even add a month in Dubai at the most expensive hotel while I am at it! The list is obviously endless and would be only limited by our imaginations. The fact is that many ex-pats in Thailand do not have health insurance....including some popular bloggers (which is simply stupid.....but!). And even those elderly with multiple medical ailments can obtain adequate insurance for under $200 a month......I believe that the cost is around $160/month for a 60-year-old. Now, I would assume that someone with expensive medical conditions would think hard and long about moving abroad....especially if they were from a country with "free" socialized medical care such as Canada or England. And the young and healthy can get insurance for as little as $42 a month.

A yearly flight back home would be a choice, and certainly not a monthly cost (although you can budget that cost when you look at your yearly budget) but rather an extraneous cost. How many ex-pats that settle permanently in Thailand usually go back home yearly to visit would be a valid question....I have no idea about the answer to that question. But that would have to be looked at when you are deciding to move to Thailand and either accounted for or eliminated.

Just keep it simple! As I had stated before....you have your state of living and it does seem to be at a very high standard when compared with most expats. I am sure that some with like-minded budgets like yours will agree with your estimation but I have an idea that many others not on a similar budget will not agree and that most make do with a great deal less than $3000+.

For the person above who had asked this question....one cost that many others do not have is school fees. I will assume that he would have done a least some groundwork on that.....
Bruce *****
@Mark *****
just add health insurance and a flight back once a year and a few weekends away
Baz ********
I’m looking at making the move from U.K. too. I find this site quite useful …

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Sun *****
ORIGINAL POSTER
@Baz *******
thanks for that
Kathalyn *******
A weekly outlay of around 12,000b to 14,000b for child's school fees.
Sun *****
ORIGINAL POSTER
@Kathalyn ******
Hi have been quoted 168 000 baht per year until he’s 7 and then it goes so
*****
0 from 7till 11 at lamai international school
Peter *******
@Sun ****
.Hope to meet

you in Huahin if that is your destination.

Happy to share my knowledge with you.
Peter *******
@Sun ****
When are you thinking of coming to Thailand?
Sun *****
ORIGINAL POSTER
@Peter ******
in the next 3 months
Peter *******
@Sun ****
Sathukarn school Huahin, founded 1926. + 6632511165
**********
*****
*****
Peter *******
@Sun ****
Looks like the school have seen you coming, there is an enormous difference between
*****
0 and the
*****
we pay here

in Huahin.

The
*****
baht mentioned above Includes all the school kit , Shoes, sports shoes, shirts, school bag, and about 10 kilos of new school books.

Like everything else, schools are a business, so I would suggest that you do a little more research before you part with your hard earned money.

Not sure where you want your child to go to school, but if it’s Bangkok or Pattaya then it is likely to be more expensive than anywhere else in Thailand.

Hope this helps.
Sun *****
ORIGINAL POSTER
@Peter ******
what is that school called please
Sun *****
ORIGINAL POSTER
@Peter ******
wow that’s amazing thank you for that
Peter *******
@Kathalyn ******
That is totally wrong!

The six year old grandson just enrolled

at a private school in Huahin for the first 5 months term; cost 6000 Thai baht, not sure where your figures come from.
Chris *********************
@Peter ******
I agree my 2 daughter's go to international school in chainart it costs 37k a term for both kids 74k a year
Damien ********
@Peter ******
hey grandad … I think your confused…. You want to check those fees again 🤔….. cause private schools cost a lot more than what you said
Kathalyn *******
@Peter ******
I taught Early Year children at Regents International Bangkok and Pattaya for 15years so I know what the fees were back in 2019. Each school is different.
Ryan ***********
Google. These posts get lazier every post.
Wayne ******
I've done the Spanish life for 12 years ...and.thailand.for 10.years...been back in the UK now for 4 years ...will def choose to live back in Spain... Thailand is too expensive...and too corrupted...just Google Spain Thailand comparison sites
Peter ***********
Better google search I'ntl schools in that Part if Thailand. That may be your greatest expense. Real Estate listings as well for purchase or rental. All other expenses should be quite reasonable.
Luc ********
School will probably be the biggest cost, if you live the thai life..
Marc *********
I recommend the Thai Baht kind of money
Danny *************
I think you've been left out for too long in the Sun, Ray....
Ellis ******************************
Don’t do it it’s a trap! Go to Spain or something! I had the same idea 9 years ago and now I’m stuck here
Luc ********
Andrew *******
Follow your dreams mate sort the shit out on you adventure 🙏

I live on a narrow boat 6 months in uk and travel Thailand the other 6 months

55 year old and single

Makes making discussions easier
Martin ********
Wow! Great for your kid. Will become bilingual in Thai for sure. Be sure he/she learns reading and writing!
Chris *********************
Do what we all done come rent somewhere do some research take it from there.

I have 2 daughters 10 and 8 year old, it took me 4 years to find the rite MEP school for my kids .

It's trail and error.

Get settled then choose. Your life is in your hands mate
Sun *****
ORIGINAL POSTER
@Chris ********************
what school did you find after 4 years what’s a MEP that’s what I’m doing researching through expats just looking for advice I will come and rent first but I need to know something s before I arrive 👍
Chris *********************
@Sun ****
sorry I didn't get back to you.

Have you got a car in Thailand. Have you got somewhere to stay while you're home is being built
Chris *********************
@Sun ****
70k is for both daughters
Chris *********************
@Sun ****
a mep school we have to pay for about 70k a year 1st language is English 2nd Chinese 3 thai we live in chainart province. You have to factor a lot of things in .

I still go back to uk for a few months a year to work .

It's not as cheap as it used to be
Jason ******
After going around searching for a international school for our kid, i was shocked at how much it costs for good schools. It ends up being around 50,000 baht per month for the ones that have good facilities and the not so good ones are about 25,000 baht per month. Also, keep in mind you need to pay per semester. And on top of that there is something called donation fee/facility maintenance/enrollment/bribe fee: numerous names, but same bullshit fee, that is about 100,000 baht. Both of which are big lump sums.
John *********
You definitely want a car on Samui, taxis are extortionate. If you're thinking of buying a car/bike, you will need to buy 'certificate of residence' from immigration. Also need one for your driving licence. Probably easier in your wife's name. If you want a 4x4, buy a car in Bangkok and drive it or get it shipped. We live on mainland opposite Samui and I spent a while waiting for a few year old 4x4, ended up buying new, everything was in Bangkok, nothing down here. First class insurance on a 1 year old Mitsubishi Pajero 4x4 is around 20,000 baht a year.
Alex *******
I think it is impossible to give you any clear answer because we don't know your lifestyles, age, standards of living and city where you plan to live. My health insurance covers up to 500k usd w a higher deductible, I am healthy in my mid 40s so my insurance is only in cases of emergency cost 20k baht a year.

Cost of living in Bkk is much higher than other parts of the country. Do u plan on living in bkk or another province?

A descent 3 bedrooms condo is about 40k baht in the city in a good area.

Electricity if u can live without AC is around 1000 baht. With AC running 2500 baht and up.

I chose to live in the center of the city so I don't need a car. Traffic is truly awful.
Sun *****
ORIGINAL POSTER
Thank you so much❤️ 😂
John *********
@Sun ****
Have you tried asking your wife? You have obviously been in Thailand for a considerable time before if you are married to a Thai. Did you have your eyes closed?
Sun *****
ORIGINAL POSTER
@John ********
hi firstly I married my thai wife when we met in the uk she is a dual national and has a British passport we have visited Thailand on a few occasions so she knows less than me about hidden expenses insurance etc we are now selling our company and moving to Thailand and my eyes 👀 are open I was looking for information not worthless comments
Stephen **********
@Sun ****
you asked the wrong people in the wrong place, as you are discovering. I hope someone without an obnoxiously miserable and pitiful attitude answers you soon 🙏🏼
Dron ******
Sorry but if you have to ask these kind of questions.... You should really reconsider moving to Thailand
Sun *****
ORIGINAL POSTER
@Dron *****
whys that why is asking for info from expats considered wrong by you
Rainer *********
better consider bali. much cheaper, people speak english and are genuinely friendly unlike here in phuket
Darren *******
@Rainer ********
don't live in Phuket is what I'm reading from that.
Rainer *********
@Darren ******
yes northern thailand is much better:)
Ken ********
Good international schools are expensive but can get decent 3 bedroom house from
*****
baht a month cost of living is good though it depends on what lifestyle you want to live
Paul *******
My Thai wife and I own our home and car and we udget on about 50,000 thb per month not includiing holidays and unexpected medical costs. It is possible to live on 20,000 per month or to spend thousands per month. Up to you.
Terary **********
@Paul ******
How did you teach you Thai wife how to do that.
Paul *******
@Terary *********
She teaches me.
Terary **********
@Paul ******
That is probably what I am doing wrong.
Sun *****
ORIGINAL POSTER
Thanks for the info.
Darren *******
Your costs will vary dependent upon where you live and what school your send your kid to. When I moved out here I was able to get an idea on rent, school fees etc by using Google. That would be a good starting point seeing as you've given nothing to go on in your post.
Sun *****
ORIGINAL POSTER
@Darren ******
yea I agree it was not much info to go on will be renting for a 6 month until my house gets built just wanted to find out about insurance and any other thi I may not of factored in 👍
Stuart *********
Other monthly expenses would probably be for a helper, pool and/or gardening maintenance. Electricity, food, etc.

Can’t really answer as to how much you’d need as that depends on the budget of house (30 - 150k) per month. Which school as prices differ wildly and the type of lifestyle you’d want - would you eat out every day or cook at home etc.
Sun *****
ORIGINAL POSTER
@Stuart ********
I have looked at a couple of schools that are roughly
*****
0 baht a year I have a partially built house on samui just need it finished off I think 45k should finish that off would eat at home mainly
Andrew *******
@Sun ****
I live in Samui

Domestic help- 12K-13K full time.

Car hire depends on the car but if it’s not a 4x4 it should be about 10K

Food is really cheap and you can manage without eating out @ 10K or less comfortably.
Sun *****
ORIGINAL POSTER
@Andrew ******
Thanks for that cars are quite expensive to buy on samui would bangkok be cheaper ?
Andrew *******
@Sun ****
yes cars are cheaper in Bangkok, and more of a selection. Thailand has a heavy import tax, so if you buy a Thai made car it usually costs less.
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