Last update: Nov 2026

Cost of Living Comparison Between Chiang Mai and Kajaani

For one person, living is cheaper in Chiang Mai: $935 a month against $1,812 in Kajaani, rent and utilities included – about $10,500 less a year. Rent and utilities account for about half of the difference.

45

Cost of Living Index in Chiang Mai
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Chiang Mai Living Index
86

Cost of Living Index in Kajaani
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Kajaani Living Index

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Chiang Mai

🇹🇭 Thailand

$935

/mo nomad

Kajaani

🇫🇮 Finland

$1,812

/mo nomad

Monthly Cost of Living

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

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

A single person spends $935 per month in Chiang Mai vs $1,812 in Kajaani, rent included.

Chiang Mai $935
Kajaani $1,812

A couple spends around $1,467 per month in Chiang Mai vs $2,744 in Kajaani, rent included.

Chiang Mai $1,467
Kajaani $2,744

A family of three spends $1,999 per month in Chiang Mai vs $3,676 in Kajaani, rent included.

Chiang Mai $1,999
Kajaani $3,676

Chiang Mai is about 48% cheaper than Kajaani, and outside of rent the biggest gap is in eating out.

Chiang Mai sits 31% below the global median, while Kajaani is 34% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$2.13 ฿72.0

$16.58 €14.79

-87.15%

Three-Course Dinner for Two, Mid-Range

$18.62 ฿628

$65.3 €58.3

-71.50%

Fast Food Meal (McDonalds, etc)

$5.60 ฿189

$10.28 €9.17

-45.53%

Cappuccino

$1.66 ฿56.1

$4.51 €4.02

-63.19%

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

$0.65 ฿21.82

$2.47 €2.20

-73.68%

Water (0.33 liter bottle)

$0.30 ฿10.29

$1.70 €1.52

-82.35%

Local Beer (0.5 liter draught)

$2.32 ฿78.3

$8.33 €7.43

-72.15%

Imported Beer (0.33 liter bottle)

$3.67 ฿124

$7.46 €6.65

-50.80%

Milk (1 liter)

$2.02 ฿68.0

$1.48 €1.32

36.49%

White Bread (500g)

$1.41 ฿47.49

$2.57 €2.30

-45.14%

Rice (white) (1kg)

$1.39 ฿46.94

$2.26 €2.02

-38.50%

Eggs

$2.37 ฿79.9

$2.85 €2.55

-16.84%

Local Cheese (1kg)

$16.52 ฿557

$8.39 €7.48

96.90%

Chicken Fillets (1kg)

$2.67 ฿90.1

$11.86 €10.58

-77.49%

Beef Round Steak (1kg)

$9.02 ฿304

$23.19 €20.69

-61.10%

Apples (1kg)

$2.40 ฿80.9

$2.46 €2.20

-2.44%

Banana (1kg)

$1.04 ฿35.12

$2.09 €1.86

-50.24%

Oranges (1kg)

$1.66 ฿56.0

$2.38 €2.12

-30.25%

Tomato (1kg)

$1.56 ฿52.6

$3.93 €3.50

-60.31%

Potato (1kg)

$1.24 ฿41.75

$1.51 €1.34

-17.88%

Onion (1kg)

$1.09 ฿36.65

$2.19 €1.95

-50.23%

Lettuce (1 head)

$0.76 ฿25.70

$1.47 €1.31

-48.30%

Water (1.5 liter bottle)

$0.51 ฿17.34

$1.79 €1.60

-71.51%

Cigarettes 20 Pack (Marlboro, Camel)

$4.12 ฿139

$13.33 €11.89

-69.09%

Wine (Bottle)

$17.93 ฿605

$13.36 €11.92

34.21%

Local Beer (0.5 liter bottle)

$1.62 ฿54.8

$3.10 €2.77

-47.74%

Imported Beer (0.33 liter bottle)

$2.82 ฿95.2

$3.45 €3.08

-18.26%

One-way Ticket (Public Transport)

$0.93 ฿31.52

$3.42 €3.05

-72.81%

Public Transport Monthly Pass (Regular Price)

$52.9 ฿1,784

$64.4 €57.5

-17.87%

Taxi Start (Normal Tariff)

$1.18 ฿39.69

$8.46 €7.55

-86.05%

Taxi (Normal Tariff) (1km)

$0.17 ฿5.78

$1.39 €1.24

-87.77%

Taxi 1hour Waiting (Normal Tariff)

$1.81 ฿61.1

$65.3 €58.3

-97.23%

Gasoline (1 liter)

$1.47 ฿49.67

$2.30 €2.06

-36.09%

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

$21.0K ฿708.7K

$36.8K €32.8K

-42.94%

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

$26.5K ฿894.4K

$38.2K €34.1K

-30.61%

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

$62.6 ฿2,110

$143 €128

-56.39%

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

$11.60 ฿391

$29.59 €26.39

-60.80%

Internet (50+ Mbps, Unlimited Data)

$20.30 ฿685

$21.80 €19.45

-6.88%

Gym Membership (Monthly)

$37.88 ฿1,278

$42.89 €38.26

-11.68%

Tennis Court (1 Hour on Weekend)

$3.70 ฿125

$22.47 €20.05

-83.53%

Cinema Ticket

$6.51 ฿220

$19.20 €17.12

-66.09%

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

$727 ฿24.5K

$389 €347

86.77%

International Primary School, 1 Child (Yearly)

$16.6K ฿559.0K

$12.5K €11.2K

32.21%

Jeans (Levis 501 Or Similar)

$53.5 ฿1,806

$90.2 €80.4

-40.63%

Summer Dress (H&M, Zara, etc)

$24.80 ฿836

$27.83 €24.83

-10.89%

Sport Shoes (Adidas, Nike)

$90.4 ฿3,049

$56.3 €50.2

60.61%

Men's Leather Business Shoes

$72.0 ฿2,428

$149 €133

-51.83%

1-bedroom Apartment, City Center (Monthly)

$481 ฿16.2K

$797 €711

-39.61%

1-bedroom Apartment, Outside City Center (Monthly)

$310 ฿10.5K

$651 €581

-52.40%

3-bedroom Apartment, City Center (Monthly)

$1,058 ฿35.7K

$1,208 €1,077

-12.37%

3-bedroom Apartment, Outside City Center (Monthly)

$659 ฿22.2K

$1,028 €917

-35.91%

Buy Apartment in City Center (m2)

$2,418 ฿81.5K

$4,073 €3,633

-40.64%

Buy Apartment Outside City Center (m2)

$1,609 ฿54.3K

$2,175 €1,940

-26.02%

Average Monthly Net Salary (After Tax)

$595 ฿20.1K

$2,017 €1,799

-70.51%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.57

4.33

28.64%

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

Last update for Chiang Mai: November 1, 2026

Last update for Kajaani: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Chiang Mai

$310 33.1%

Kajaani

$651 35.9% 110% $341

Groceries & Markets

Chiang Mai

$237 25.3%

Kajaani

$355 19.6% 49.8% $118

Clothing & Footwear

Chiang Mai

$108 11.6%

Kajaani

$146 8% 34.5% $37

Monthly Utilities & Internet

Chiang Mai

$94 10.1%

Kajaani

$195 10.8% 106% $100

Eating Out

Chiang Mai

$77 8.2%

Kajaani

$291 16.1% 280% $214

Getting Around

Chiang Mai

$59 6.3%

Kajaani

$93 5.2% 59.4% $35

Sport & Entertainment

Chiang Mai

$51 5.4%

Kajaani

$81 4.5% 59.7% $30

Cost Breakdown

A central one-bedroom costs $481 in Chiang Mai versus $797 in Kajaani. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Kajaani are about 3.4 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $19 in Chiang Mai versus $65 in Kajaani. Monthly groceries follow the same trend: $237 vs $355 – making Chiang Mai the more affordable choice for daily food spending.

Good to know

🇹🇭 Chiang Mai

🇫🇮 Kajaani

🕒 Local time

09:41 9:41 AM

04:41 4:41 AM

5 h behind Chiang Mai

🌤 Weather

👥 Population

127,240

36,492

💱 Currency

Thai Baht THB ฿

Euro EUR €

📈 Exchange rate

100 THB = 2.96 USD

100 THB = 2.65 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 November 4, 2026: 1 USD = 33.73 THB (100 THB = 2.96 USD). 1 EUR = 37.72 THB (100 THB = 2.65 EUR).

Euro exchange rates as of November 4, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

USD to THB in detail →

On the map

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Highest

Between locations

Chiang Mai Kajaani 7,230 km ≈ 10 h nonstop flight

From you

Chiang Mai
Kajaani

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 Kajaani: Cost of Living - Frequently Asked Questions

Kajaani costs about 94% 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 $1,403 per month in Chiang Mai and $2,718 in Kajaani. 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: a one-bedroom in the center costs $481 there versus $797 in Kajaani.

Kindergarten costs $727 per month in Chiang Mai and $389 in Kajaani. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 50% more in Kajaani, though the gap depends on what you buy.

$800 is a stretch for both – monthly costs hit $935 in Chiang Mai and $1,812 in Kajaani. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Chiang Mai has an edge in some lifestyle areas, with costs from $935 in Chiang Mai to $1,812 in Kajaani. Climate, culture, job market, and personal taste all factor in.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

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