Last update: Oct 2026

Cost of Living Comparison Between Chiang Mai and Cetinje

For one person, living is cheaper in Chiang Mai: $938 a month against $1,044 in Cetinje, rent and utilities included – about $1,300 less a year. Other living expenses account for most of the difference.

45

Cost of Living Index in Chiang Mai
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Chiang Mai Living Index
51

Cost of Living Index in Cetinje
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Cetinje Living Index

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Chiang Mai

🇹🇭 Thailand

$938

/mo nomad

Cetinje

🇲🇪 Montenegro

$1,044

/mo nomad

Monthly Cost of Living

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

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 Cetinje actually costs, broken down by who's living it.

A single person spends $938 per month in Chiang Mai vs $1,044 in Cetinje, rent included.

Chiang Mai $938
Cetinje $1,044

A couple spends around $1,426 per month in Chiang Mai vs $1,599 in Cetinje, rent included.

Chiang Mai $1,426
Cetinje $1,599

A family of three spends $1,914 per month in Chiang Mai vs $2,153 in Cetinje, rent included.

Chiang Mai $1,914
Cetinje $2,153

Chiang Mai is about 10% cheaper than Cetinje, and outside of rent the biggest gap is in eating out.

Both Chiang Mai and Cetinje are more affordable than the global median – Chiang Mai 30% lower, Cetinje 23% lower.

Meal at Budget Restaurant

$2.26 ฿75.4

$11.11 €9.88

-79.66%

Three-Course Dinner for Two, Mid-Range

$19.18 ฿641

$36.32 €32.31

-47.19%

Fast Food Meal (McDonalds, etc)

$5.59 ฿187

$8.79 €7.82

-36.41%

Cappuccino

$1.72 ฿57.6

$2.55 €2.26

-32.55%

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

$0.64 ฿21.54

$2.23 €1.98

-71.30%

Water (0.33 liter bottle)

$0.33 ฿11.18

$1.46 €1.30

-77.40%

Local Beer (0.5 liter draught)

$2.36 ฿78.7

$2.86 €2.54

-17.48%

Imported Beer (0.33 liter bottle)

$3.90 ฿130

$3.31 €2.95

17.82%

Milk (1 liter)

$2.05 ฿68.6

$1.26 €1.12

62.70%

White Bread (500g)

$1.40 ฿46.70

$1.01 €0.90

38.61%

Rice (white) (1kg)

$1.28 ฿42.89

$2.26 €2.01

-43.36%

Eggs

$2.25 ฿75.3

$3.07 €2.73

-26.71%

Local Cheese (1kg)

$16.94 ฿566

$8.86 €7.88

91.20%

Chicken Fillets (1kg)

$2.74 ฿91.6

$7.22 €6.42

-62.05%

Beef Round Steak (1kg)

$9.36 ฿313

$12.24 €10.89

-23.53%

Apples (1kg)

$2.40 ฿80.3

$1.34 €1.19

79.10%

Banana (1kg)

$1.01 ฿33.92

$1.75 €1.56

-42.29%

Oranges (1kg)

$1.61 ฿53.9

$1.54 €1.37

4.55%

Tomato (1kg)

$1.52 ฿50.7

$2.86 €2.55

-46.85%

Potato (1kg)

$1.28 ฿42.90

$0.88 €0.78

45.45%

Onion (1kg)

$1.11 ฿37.22

$1.09 €0.97

1.83%

Lettuce (1 head)

$0.72 ฿24.09

$1.64 €1.45

-56.10%

Water (1.5 liter bottle)

$0.52 ฿17.54

$0.88 €0.78

-40.91%

Cigarettes 20 Pack (Marlboro, Camel)

$4.33 ฿145

$3.81 €3.39

13.65%

Wine (Bottle)

$17.73 ฿593

$5.54 €4.93

220.04%

Local Beer (0.5 liter bottle)

$1.63 ฿54.4

$1.10 €0.98

48.18%

Imported Beer (0.33 liter bottle)

$2.85 ฿95.3

$1.66 €1.48

71.69%

One-way Ticket (Public Transport)

$0.85 ฿28.31

Public Transport Monthly Pass (Regular Price)

$53.9 ฿1,801

Taxi Start (Normal Tariff)

$1.17 ฿39.18

$2.17 €1.93

-46.08%

Taxi (Normal Tariff) (1km)

$0.57 ฿19.00

$1.10 €0.97

-48.18%

Taxi 1hour Waiting (Normal Tariff)

$2.37 ฿79.2

$16.46 €14.64

-85.60%

Gasoline (1 liter)

$1.45 ฿48.32

$1.70 €1.51

-14.71%

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

$20.5K ฿684.3K

$29.2K €25.9K

-29.76%

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

$26.5K ฿886.1K

$21.1K €18.8K

25.58%

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

$62.3 ฿2,083

$136 €121

-54.15%

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

$12.27 ฿410

$13.01 €11.57

-5.69%

Internet (50+ Mbps, Unlimited Data)

$19.97 ฿668

$33.07 €29.41

-39.61%

Gym Membership (Monthly)

$37.91 ฿1,267

$39.33 €34.99

-3.61%

Tennis Court (1 Hour on Weekend)

$3.76 ฿126

Cinema Ticket

$6.71 ฿224

$3.84 €3.41

74.74%

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

$797 ฿26.6K

$392 €349

103.40%

International Primary School, 1 Child (Yearly)

$14.8K ฿495.7K

$7,046 €6,268

110.49%

Jeans (Levis 501 Or Similar)

$53.3 ฿1,780

$83.0 €73.8

-35.81%

Summer Dress (H&M, Zara, etc)

$25.05 ฿837

$33.11 €29.45

-24.34%

Sport Shoes (Adidas, Nike)

$91.6 ฿3,062

$73.3 €65.2

24.94%

Men's Leather Business Shoes

$73.5 ฿2,455

$95.1 €84.6

-22.75%

1-bedroom Apartment, City Center (Monthly)

$464 ฿15.5K

$425 €378

9.20%

1-bedroom Apartment, Outside City Center (Monthly)

$305 ฿10.2K

$275 €245

10.76%

3-bedroom Apartment, City Center (Monthly)

$915 ฿30.6K

$570 €507

60.56%

3-bedroom Apartment, Outside City Center (Monthly)

$552 ฿18.5K

$497 €442

11.23%

Buy Apartment in City Center (m2)

$1,912 ฿63.9K

$1,696 €1,508

12.76%

Buy Apartment Outside City Center (m2)

$1,438 ฿48.1K

$1,012 €900

42.17%

Average Monthly Net Salary (After Tax)

$595 ฿19.9K

20-Year Fixed Mortgage Interest Rate (Annual %)

5.57

11.40%

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

Last update for Chiang Mai: October 13, 2026

Last update for Cetinje: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Chiang Mai

$305 32.5%

Cetinje

$275 26.4% 9.7% $30

Groceries & Markets

Chiang Mai

$238 25.4%

Cetinje

$223 21.4% 6.3% $15

Clothing & Footwear

Chiang Mai

$110 11.7%

Cetinje

$128 12.3% 16.9% $19

Monthly Utilities & Internet

Chiang Mai

$95 10.1%

Cetinje

$182 17.4% 92.4% $87

Eating Out

Chiang Mai

$79 8.4%

Cetinje

$181 17.4% 130% $102

Getting Around

Chiang Mai

$61 6.5%

Cetinje

$7.7 * 0.7% 87.5% $54

Sport & Entertainment

Chiang Mai

$51 5.5%

Cetinje

$47 4.5% 8.5% $4.3

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $464 in Chiang Mai versus $425 in Cetinje. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $19.00 in Chiang Mai versus $36.00 in Cetinje. Groceries tell a different story – $238 in Chiang Mai vs $223 in Cetinje – so Cetinje wins on supermarket bills even if dining out costs more.

Good to know

🇹🇭 Chiang Mai

🇲🇪 Cetinje

🕒 Local time

12:41 12:41 PM

07:41 7:41 AM

5 h behind Chiang Mai

🌤 Weather

👥 Population

127,240

13,918

💱 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 20, 2026: 1 USD = 33.42 THB (100 THB = 2.99 USD). 1 EUR = 37.57 THB (100 THB = 2.66 EUR).

Euro exchange rates as of October 20, 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 Cetinje 7,810 km ≈ 10 h nonstop flight

From you

Chiang Mai
Cetinje

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 Cetinje: Cost of Living - Frequently Asked Questions

Cetinje costs about 11% more than Chiang Mai, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,408 per month in Chiang Mai and $1,566 in Cetinje. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Chiang Mai, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $19.00 in Chiang Mai and $36.00 in Cetinje. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 7% cheaper in Cetinje – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A $1,000 monthly budget goes further in Chiang Mai, where all-in costs run around $938, than in Cetinje at $1,044. In Chiang Mai it covers expenses comfortably, while in Cetinje it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Chiang Mai costs $938 versus $1,044 in Cetinje. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Chiang Mai. If higher salaries, better infrastructure, or specific career opportunities are the priority, Cetinje makes more sense. Both are solid long-term options with distinct trade-offs.