🏡 Koh Samui Property Buyers Guide - Everything you need to know - without the fluff.
🌴 Why Buy on Koh Samui?
Koh Samui continues to attract buyers from all over the world — and for good reason. Whether you're looking for a lifestyle change, a smart investment, or a holiday home you can rent out when you're not here, Samui offers a lot more than just stunning views.
A thriving expat and tourism destination with strong rental demand
Diverse range of locations and property types — from peaceful beachfront to buzzing nightlife
Affordable cost of living compared to most Western countries
International-standard hospitals, dental clinics, and other healthcare
Excellent range of restaurants, cafes, and services
Good English spoken in most areas
Strong long-term capital growth potential as the island develops further
🧾 Property Ownership Options
Foreigners can own property in Thailand, but the structure matters. It’s important to understand the difference between land ownership and building or apartment ownership. Here are the main options:
Chanote (Freehold title) – You own the land and the building outright. The most secure form of ownership but, requires expert legal support.
Leasehold (Long-term lease) – Usually 30 years, often renewable. Common for foreigners and still widely used.
Condo Freehold (Foreign Quota) – Foreigners can own up to 49% of the total unit area in a registered condo development.
There’s something for every buyer — but each comes with its own considerations.
Apartments – Often part of a managed complex. May include shared facilities and services.
Villas – Standalone or within gated developments. Vary widely in style and build quality.
Land – Foreigners can’t own land directly but can lease or purchase through a Thai company with proper legal structure. Complex, but possible.
🏘️ Types of Property on Koh Samui
⚠️ Pitfalls to Watch Out For
Not everything on Samui is sunshine, pools and sea views. Here’s what to look out for:
Unlicensed or unqualified agents – Many “agents” are not officially registered or tied to an agency. Stick with someone reputable (like me!).
Poor quality construction – Looks great today, but may fall apart tomorrow. Always inspect carefully or use a qualified inspector.
Hidden issues – Things like unclear land access, private electricity schemes, inconsistent water supply, or unregistered ownership structures.
Excessive property management fees – Check contracts and monthly costs before committing.
Lack of proper body corporate management – Some developments lack financial transparency or basic governance.
Frequently Asked Questions About Property in Koh Samui
💼 Buying Property in Thailand
Can foreigners legally own a villa or apartment in Thailand?
Yes — foreigners can own buildings, including villas and apartments. Land ownership is restricted, but secure alternatives exist, such as leasehold or company structures.
👉 Read our full guide to buying property in Koh Samui →
Can I own land as a foreigner in Thailand?
Not directly. Foreigners cannot own freehold land in their own name — but many lease land long-term (30 years + renewals), or structure ownership via a Thai company.
👉 We explain all the options in our Buying Property Guide →
What paperwork protects my ownership?
For villas or apartments: a proper sale and purchase agreement, due diligence on the land title (Chanote is best), and legal representation. Leaseholds should be registered with the Land Office.
👉 Learn about Chanote titles and legal risks here →
Can I get a mortgage in Thailand as a foreigner?
It’s rare. Most purchases are cash-based. Some Thai banks offer limited financing to foreigners, but with strict terms and high deposit requirements.
👉 Get the full breakdown in our Koh Samui Property Buying Guide →
How are payments structured in new developments?
Typically staged — deposit, foundation, roof, lock-up, completion. Always ask what happens if construction stalls, and research the developer's reputation.
👉 We share our own experience building in Koh Samui →
What’s a Blue Book and do I need one?
The Blue Book ("Tabien Baan") is a household registration document. Foreigners can be listed as occupants but not owners. Not essential, but useful for long-term visa holders.
💰 Investment & Returns
Can I rent out my villa or apartment?
Yes. Most owners rent short-term (holiday lets) or long-term. Some developments require using their rental service; others allow you to self-manage or use an agent.
👉 Explore ownership strategies in our Koh Samui Buying Guide →
What kind of rental return can I expect?
Location, marketing, and seasonality make a huge difference. Some villas yield 6–10% annually — more with good management and solid occupancy.
👉 Learn more in our Investment & Lifestyle article →
🏝️ Living in Koh Samui
How much does it really cost to live in Koh Samui?
Less than most Western cities — but not dirt cheap. Groceries, rent, scooters, massages, gyms, and healthcare all add up. We’ve done the math.
👉 Read our full Cost of Living Guide →
Is Koh Samui safe?
Mostly, yes. Petty theft is rare, violent crime even rarer. The biggest risks? Motorbikes, scams, and property traps.
👉 Our no-nonsense safety guide is here →
What is the healthcare like in Koh Samui?
Quick, clean, and surprisingly affordable — especially for routine care. Several private hospitals, clinics, and dental practices are island-wide.
👉 Here’s what happened when we needed an MRI, a dentist, and a vet →
How do I get around on the island?
Most expats rent or buy scooters. Cars are popular for families. Public transport is limited to songthaews (shared taxis). Driving here takes getting used to.
👉 Read our guide to getting around Koh Samui safely →
Is the internet any good in Thailand?
Yes. Thailand’s internet is fast, cheap, and reliable — often better than New Zealand or Australia.
👉 We break it down in our internet & connectivity post →
What’s it like bringing pets to Koh Samui?
Coming here is easy. Getting them out again — especially to NZ or Australia — is a mission.
👉 Read our real-life pet relocation story →
🌴 General Life & Local Knowledge
Where’s the best place to live on Koh Samui?
It depends on your lifestyle. Chaweng is lively, Lamai is relaxed, Maenam is family-friendly.
👉 Here’s our no-fluff area guide →
Are there dangerous animals or insects in Koh Samui?
Some — but nothing to panic about. Mosquitoes (dengue), jellyfish, the odd snake. Mostly manageable with common sense.
👉 Our bitey things guide is here →