Cost of living comparison

Thailand

compared to

Montenegro

Podgorica vs. Ko Phan Ghan Cost of Living Summary

Podgorica is 14.5% more expensive than Ko Phan Ghan.

Restaurants: pay 2.3 times more in Podgorica
Groceries: pay 2.6% less in Podgorica
Transportation: pay 15.6% more in Podgorica
Housing: pay 7.2% more in Podgorica
Childcare: pay 7.7% less in Podgorica
Entertainment and Sports: pay 1.5% less in Podgorica
Clothing: pay 28.7% more in Podgorica

The cost of restaurants, clothing, transportation, and housing in Podgorica are more expensive than in Ko Phan Ghan. Expenses including childcare, groceries, and entertainment and sports are lower in Podgorica. Notably, restaurants is significantly more expensive in Podgorica.

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Podgorica vs. Ko Phan Ghan Cost Breakdown

If you lived in Podgorica instead of Ko Phan Ghan, you would:

Display currency: USD

pay 2.3 times more for restaurants

	Ko Phan Ghan	Podgorica
Basic meal with drink at inexpensive restaurant	$3.57 THB118.59	$11.20 €9.97	+214.1%
Fast food combo meal McDonalds, or similar	$8.02 THB266.83	$10.64 €9.47	+32.6%
Bottle of Coca-Cola (11 fl. oz)	$0.92 THB30.54	$2.55 €2.27	+178.1%
Bottle of water (11 fl. oz)	$0.48 THB15.87	$1.43 €1.27	+199.7%
Average			+128.4%

Ko Phan Ghan vs. Podgorica - Cost of restaurants

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pay 2.6% less for groceries

	Ko Phan Ghan	Podgorica
Bread 1 loaf	$1.19 THB39.53	$0.98 €0.87	-17.9%
Local cheese (8 oz)	$9.70 THB322.52	$4.33 €3.85	-55.4%
Milk (1 gallon)	$6.39 THB212.60	$4.90 €4.36	-23.4%
Eggs 1 dozen	$2.13 THB70.84	$3.50 €3.12	+64.5%
Boneless chicken breast (1 lb)	$1.08 THB35.86	$3.77 €3.35	+249.3%
Apples (1 lb)	$1.32 THB43.97	$0.72 €0.64	-45.2%
Bananas (1 lb)	$0.40 THB13.45	$0.76 €0.68	+88.3%
Oranges (1 lb)	$1.02 THB33.84	$0.80 €0.71	-21.7%
Tomatoes (1 lb)	$0.94 THB31.38	$1.07 €0.95	+13.5%
Potatoes (1 lb)	$0.67 THB22.39	$0.44 €0.39	-35.0%
Onions (1 lb)	$0.61 THB20.32	$0.47 €0.42	-22.5%
Average			-2.6%

Ko Phan Ghan vs. Podgorica - Cost of groceries

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pay 15.6% more for transportation

	Ko Phan Ghan	Podgorica
Gasoline (1 gallon)	$5.13 THB170.60	$7.02 €6.25	+36.8%
Monthly public transit pass	??	$33.59 €29.90
New Volkswagen Golf 1.4 (standard edition)	$26,143.40 THB870K	$30,517.27 €27,161.47	+16.7%
Taxi trip in downtown area (5 miles)	$11.29 THB375.54	$7.03 €6.25	-37.8%
Average			+15.6%

Ko Phan Ghan vs. Podgorica - Cost of transportation

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pay 7.2% more for housing

	Ko Phan Ghan	Podgorica
Internet connection 50 mbps or faster, cable/dsl	$17.15 THB570.48	$31.80 €28.30	+85.4%
1-Bedroom apartment in downtown area	$609.02 THB20,259.21	$639.89 €569.53	+5.1%
1-Bedroom apartment outside city center	$631.30 THB21,000.40	$489.46 €435.64	-22.5%
Utilities for two (700 sq ft apartment) including electric, gas, water, heating	$43.92 THB1,461.07	$98.01 €87.24	+123.2%
Average			+7.2%

Ko Phan Ghan vs. Podgorica - Cost of housing

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pay 7.7% less for childcare

	Ko Phan Ghan	Podgorica
Private preschool for 1 child, monthly	$505.04 THB16,800.32	$340.96 €303.47	-32.5%
Middle school for 1 child, two semesters	$5,793.14 THB193K	$7,315.61 €6,511.15	+26.3%
Average			-7.7%

Ko Phan Ghan vs. Podgorica - Cost of childcare

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pay 1.5% less for entertainment and sports

	Ko Phan Ghan	Podgorica
Domestic/local beer (1 pint)	$2.53 THB84.00	$3.08 €2.74	+21.9%
Cappuccino in mid-range area	$2.77 THB92.07	$2.17 €1.94	-21.5%
Pack of cigarettes Marlboro or similar	$2.08 THB69.18	$4.37 €3.89	+110.0%
Monthly membership at local gym	$56.45 THB1,877.68	$48.15 €42.85	-14.7%
Movie ticket to theater/cinema	$7.58 THB252.00	$6.44 €5.73	-15.0%
Average			-1.5%

Ko Phan Ghan vs. Podgorica - Cost of entertainment and sports

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pay 28.7% more for clothing

	Ko Phan Ghan	Podgorica
Regular jeans Levi's brand	$62.94 THB2,093.63	$87.34 €77.74	+38.8%
Regular dress from H&M or similar store	$28.69 THB954.49	$46.28 €41.19	+61.3%
Running shoes Nike or Adidas	$95.68 THB3,182.71	$97.42 €86.70	+1.8%
Men's business shoes (leather)	$87.87 THB2,922.95	$105.75 €94.12	+20.4%
Average			+28.7%

Ko Phan Ghan vs. Podgorica - Cost of clothing

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We average the price of thousands of data points entered by users across the world. Sources: MyLifeElsewhere's cost-of-living dataset (prices updated October 2026). How we calculate this

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