Most people pass through on the way to the islands. Stay a night or two and you get a proper Thai city, a rainforest on the doorstep, and a lake worth the whole trip.
Find a room before you go.
Surat Thani is really three stays in one. The city itself is a working river town — night market, morning noodle shops, piers for the island ferries — where a clean, cheap hotel near the centre does the job for a transit night. Nobody comes for the architecture, but the food alone rewards an evening.
Then the province opens up: west of the city, the village of Khlong Sok sits at the edge of Khao Sok's rainforest with lodges strung along the river, and beyond that lies Cheow Lan Lake, where you sleep in a raft house floating under limestone cliffs. If you can, split your stay — a night in town, then head for the green.
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For a night before or after the Ko Samui and Ko Pha Ngan ferries, base yourself in the city centre near the night market. You'll find mid-range hotels and simple guesthouses at gentle prices, most within walking distance of the riverfront and the evening food stalls — which are the real reason to linger.
If you have an early boat, check where your ferry actually leaves from: some services depart from town piers, others from Don Sak, an hour east. A city-centre room with an early transfer usually beats staying out by the pier itself, where there is very little to do.

Khlong Sok village, at the entrance to Khao Sok National Park, is where the province gets beautiful. Riverside lodges and bungalows sit under towering karst cliffs, ranging from backpacker-simple to genuinely romantic, and the sound at night is water and cicadas rather than traffic.
The unmissable stay, though, floats: raft houses on Cheow Lan Lake, reached by longtail boat across water the colour of jade. Options run from basic national-park rafts to comfortable eco-lodges with proper beds. They book out ahead, so reserve early and treat the lake as the centrepiece of your Surat Thani stay.

For most travellers, one night is plenty — but it's a pleasant one. Stay near the night market, eat well, and catch your morning ferry or train rested rather than rushing through.
A hotel in central Surat Thani works for most departures, with buses connecting to the piers. Ferries from Don Sak leave about an hour east of town, so confirm your departure point before booking.
Book a raft house — either a simple national-park raft or a private floating eco-lodge — and arrive by longtail boat from Ratchaprapha pier. Reserve well ahead; the comfortable ones fill fast.
Easily. A common pattern is a night in the city off the train or plane, two nights in Khlong Sok for the rainforest, and a night floating on Cheow Lan Lake before heading to the coast.
More guides for this stretch of the Gulf coast.