Can You Buy a Condo on a 25,000 THB Salary? Step-by-Step Calculation
March 22, 2026
Can You Buy a Condo on a 25,000 THB Salary?
The short answer is yes! But you need proper planning. This article walks you through the exact calculations — how much you can borrow, monthly payments, and what price range fits your budget.
The 40% Rule — Payments Shouldn't Exceed 40% of Income
Most Thai banks use this guideline:
- Monthly salary: 25,000 THB
- Maximum monthly payment: 25,000 × 40% = 10,000 THB/month
How Much Can You Borrow?
Assuming an average interest rate of 5.5% over 30 years:
- 10,000 THB/month payment → approximately 1,760,000 THB
- 8,000 THB/month (conservative) → approximately 1,400,000 THB
What Can You Get for 1.4M THB?
- Resale condos near BTS On Nut/Samrong — 23-28 sqm studios
- New condos in Rangsit/Nonthaburi/Bang Yai — 25-30 sqm studios
- Resale condos around Lat Phrao/Ratchada — 22-26 sqm studios
Salary vs. Loan Amount Comparison
| Monthly Salary | Max Payment | Loan Amount | Condo Range |
|---|---|---|---|
| 15,000 THB | 6,000 | 1,050,000 | Resale, suburban |
| 20,000 THB | 8,000 | 1,400,000 | Resale/new, suburban |
| 25,000 THB | 10,000 | 1,760,000 | Resale near BTS/MRT |
| 30,000 THB | 12,000 | 2,110,000 | New near BTS/MRT |
| 40,000 THB | 16,000 | 2,820,000 | New, good area |
| 50,000 THB | 20,000 | 3,520,000 | 1BR, prime area |
A 25,000 THB salary is enough to own a condo — you just need the right plan! Contact us for free consultation.