Last update: Oct 2026

Cost of Living Comparison Between Chiang Mai and Bjelovar

For one person, living is cheaper in Chiang Mai: $938 a month against $1,568 in Bjelovar, rent and utilities included – about $7,600 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Chiang Mai
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Chiang Mai Living Index
76

Cost of Living Index in Bjelovar
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Bjelovar Living Index

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Chiang Mai

🇹🇭 Thailand

$938

/mo nomad

Bjelovar

🇭🇷 Croatia

$1,568

/mo nomad

Monthly Cost of Living

How much you'll spend in Chiang Mai and in Bjelovar

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Chiang Mai and in Bjelovar actually costs, broken down by who's living it.

Monthly costs for one person with rent: $938 in Chiang Mai versus $1,568 in Bjelovar.

Chiang Mai $938
Bjelovar $1,568

Estimated couple costs with rent: $1,426 in Chiang Mai versus $2,407 in Bjelovar.

Chiang Mai $1,426
Bjelovar $2,407

Monthly costs for a family of three with rent: $1,914 in Chiang Mai versus $3,246 in Bjelovar.

Chiang Mai $1,914
Bjelovar $3,246

Living in Chiang Mai costs roughly 40% less than in Bjelovar, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Chiang Mai is 30% below, Bjelovar is 16% above.

Meal at Budget Restaurant

$2.26 ฿75.4

$13.19 €11.73

-82.87%

Three-Course Dinner for Two, Mid-Range

$19.18 ฿641

$73.6 €65.5

-73.94%

Fast Food Meal (McDonalds, etc)

$5.59 ฿187

$10.05 €8.94

-44.38%

Cappuccino

$1.72 ฿57.6

$2.30 €2.04

-25.22%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$0.64 ฿21.54

$2.98 €2.65

-78.52%

Water (0.33 liter bottle)

$0.33 ฿11.18

$1.92 €1.70

-82.81%

Local Beer (0.5 liter draught)

$2.36 ฿78.7

$3.96 €3.52

-40.40%

Imported Beer (0.33 liter bottle)

$3.90 ฿130

$4.43 €3.94

-11.96%

Milk (1 liter)

$2.05 ฿68.6

$1.20 €1.07

70.83%

White Bread (500g)

$1.40 ฿46.70

$1.59 €1.42

-11.95%

Rice (white) (1kg)

$1.28 ฿42.89

$3.46 €3.08

-63.01%

Eggs

$2.25 ฿75.3

$3.64 €3.24

-38.19%

Local Cheese (1kg)

$16.94 ฿566

$15.81 €14.07

7.15%

Chicken Fillets (1kg)

$2.74 ฿91.6

$9.99 €8.88

-72.57%

Beef Round Steak (1kg)

$9.36 ฿313

$14.49 €12.89

-35.40%

Apples (1kg)

$2.40 ฿80.3

$1.64 €1.46

46.34%

Banana (1kg)

$1.01 ฿33.92

$1.67 €1.48

-39.52%

Oranges (1kg)

$1.61 ฿53.9

$1.90 €1.69

-15.26%

Tomato (1kg)

$1.52 ฿50.7

$2.59 €2.31

-41.31%

Potato (1kg)

$1.28 ฿42.90

$1.37 €1.22

-6.57%

Onion (1kg)

$1.11 ฿37.22

$1.32 €1.17

-15.91%

Lettuce (1 head)

$0.72 ฿24.09

$1.35 €1.20

-46.67%

Water (1.5 liter bottle)

$0.52 ฿17.54

$1.31 €1.17

-60.31%

Cigarettes 20 Pack (Marlboro, Camel)

$4.33 ฿145

$5.78 €5.14

-25.09%

Wine (Bottle)

$17.73 ฿593

$7.88 €7.01

125.00%

Local Beer (0.5 liter bottle)

$1.63 ฿54.4

$1.61 €1.43

1.24%

Imported Beer (0.33 liter bottle)

$2.85 ฿95.3

$2.11 €1.88

35.07%

One-way Ticket (Public Transport)

$0.85 ฿28.31

$1.56 €1.39

-45.51%

Public Transport Monthly Pass (Regular Price)

$53.9 ฿1,801

$40.23 €35.79

33.98%

Taxi Start (Normal Tariff)

$1.17 ฿39.18

$3.28 €2.92

-64.33%

Taxi (Normal Tariff) (1km)

$0.57 ฿19.00

$1.47 €1.31

-61.22%

Taxi 1hour Waiting (Normal Tariff)

$2.37 ฿79.2

$13.39 €11.91

-82.30%

Gasoline (1 liter)

$1.45 ฿48.32

$1.71 €1.52

-15.20%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$20.5K ฿684.3K

$26.3K €23.4K

-22.10%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$26.5K ฿886.1K

$24.5K €21.8K

8.06%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$62.3 ฿2,083

$190 €169

-67.24%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$12.27 ฿410

$24.31 €21.62

-49.53%

Internet (50+ Mbps, Unlimited Data)

$19.97 ฿668

$38.95 €34.65

-48.73%

Gym Membership (Monthly)

$37.91 ฿1,267

$50.8 €45.18

-25.36%

Tennis Court (1 Hour on Weekend)

$3.76 ฿126

$16.18 €14.39

-76.76%

Cinema Ticket

$6.71 ฿224

$6.60 €5.87

1.67%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$797 ฿26.6K

$537 €478

48.44%

International Primary School, 1 Child (Yearly)

$14.8K ฿495.7K

$13.0K €11.6K

13.90%

Jeans (Levis 501 Or Similar)

$53.3 ฿1,780

$99.2 €88.3

-46.34%

Summer Dress (H&M, Zara, etc)

$25.05 ฿837

$41.10 €36.55

-39.05%

Sport Shoes (Adidas, Nike)

$91.6 ฿3,062

$103 €92.0

-11.42%

Men's Leather Business Shoes

$73.5 ฿2,455

$111 €98.6

-33.75%

1-bedroom Apartment, City Center (Monthly)

$464 ฿15.5K

$691 €614

-32.82%

1-bedroom Apartment, Outside City Center (Monthly)

$305 ฿10.2K

$531 €472

-42.58%

3-bedroom Apartment, City Center (Monthly)

$915 ฿30.6K

$1,171 €1,041

-21.81%

3-bedroom Apartment, Outside City Center (Monthly)

$552 ฿18.5K

$886 €788

-37.64%

Buy Apartment in City Center (m2)

$1,912 ฿63.9K

$3,947 €3,511

-51.56%

Buy Apartment Outside City Center (m2)

$1,438 ฿48.1K

$3,064 €2,726

-53.06%

Average Monthly Net Salary (After Tax)

$595 ฿19.9K

20-Year Fixed Mortgage Interest Rate (Annual %)

5.57

3.73

49.33%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Chiang Mai: October 13, 2026

Last update for Bjelovar: October 11, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Chiang Mai

$305 32.5%

Bjelovar

$531 33.8% 74.1% $226

Groceries & Markets

Chiang Mai

$238 25.4%

Bjelovar

$292 18.6% 22.7% $54

Clothing & Footwear

Chiang Mai

$110 11.7%

Bjelovar

$160 10.2% 45.7% $50

Monthly Utilities & Internet

Chiang Mai

$95 10.1%

Bjelovar

$254 16.2% 168% $159

Eating Out

Chiang Mai

$79 8.4%

Bjelovar

$212 13.5% 168% $133

Getting Around

Chiang Mai

$61 6.5%

Bjelovar

$57 3.6% 6.8% $4.2

Sport & Entertainment

Chiang Mai

$51 5.5%

Bjelovar

$64 4.1% 24.7% $13

Cost Breakdown

A one-bedroom apartment in the center runs $464 in Chiang Mai and $691 in Bjelovar. Housing cost is often the main lever when comparing two cities.

Dining out: $19.00 in Chiang Mai vs $74.0 in Bjelovar for a mid-range dinner for two. Groceries echo the gap at $238 vs $292 per month, with Chiang Mai cheaper across the board.

Good to know

🇹🇭 Chiang Mai

🇭🇷 Bjelovar

🕒 Local time

00:58 12:58 AM

19:58 7:58 PM

5 h behind Chiang Mai

🌤 Weather

👥 Population

127,240

36,316

💱 Currency

Thai Baht THB ฿

Euro EUR €

📈 Exchange rate

100 THB = 2.99 USD

100 THB = 2.66 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to THB – Thai Baht Converter

🇺🇸 United States Dollar ($)

🇹🇭 Thai Baht (฿)

Thai Baht exchange rates as of October 17, 2026: 1 USD = 33.42 THB (100 THB = 2.99 USD). 1 EUR = 37.58 THB (100 THB = 2.66 EUR).

Euro exchange rates as of October 17, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to THB in detail →

On the map

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Between locations

Chiang Mai Bjelovar 7,920 km ≈ 10 h nonstop flight

From you

Chiang Mai
Bjelovar

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Chiang Mai vs Bjelovar: Cost of Living - Frequently Asked Questions

Chiang Mai and Bjelovar differ by about 67% in total monthly costs ($938 vs $1,568 including rent). Chiang Mai is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $1,408 in Chiang Mai and $2,352 in Bjelovar to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $464 in Chiang Mai versus $691 in Bjelovar. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Chiang Mai – a meal for two runs $19.00 versus $74.0 in Bjelovar. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $938 per month in Chiang Mai versus $1,568 in Bjelovar – a 67% gap that adds up to real savings over time for anyone picking the cheaper option.

At $938 in Chiang Mai versus $1,568 in Bjelovar, a $1,000 budget is realistic in Chiang Mai but tight or insufficient in Bjelovar. The gap between the two cities makes Chiang Mai the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Chiang Mai and Bjelovar are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Chiang Mai gentler on the wallet – expenses run 67% less than in Bjelovar. Beyond cost, consider language, visa policies, and how big the international community is in each city.