Last update: Oct 2026

Cost of Living Comparison Between Chiang Mai and Karlovac

For one person, living is cheaper in Chiang Mai: $936 a month against $1,222 in Karlovac, rent and utilities included – about $3,400 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
59

Cost of Living Index in Karlovac
Learn more

Karlovac Living Index

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Chiang Mai

🇹🇭 Thailand

$936

/mo nomad

Karlovac

🇭🇷 Croatia

$1,222

/mo nomad

Monthly Cost of Living

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

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

A single person spends $936 per month in Chiang Mai vs $1,222 in Karlovac, rent included.

Chiang Mai $936
Karlovac $1,222

A couple spends around $1,457 per month in Chiang Mai vs $1,821 in Karlovac, rent included.

Chiang Mai $1,457
Karlovac $1,821

A family of three spends $1,979 per month in Chiang Mai vs $2,419 in Karlovac, rent included.

Chiang Mai $1,979
Karlovac $2,419

Chiang Mai is about 23% cheaper than Karlovac, and outside of rent the biggest gap is in eating out.

Both Chiang Mai and Karlovac are more affordable than the global median – Chiang Mai 31% lower, Karlovac 10% lower.

Meal at Budget Restaurant

$2.24 ฿75.6

$11.20 €10.04

-80.00%

Three-Course Dinner for Two, Mid-Range

$19.00 ฿641

$44.46 €39.84

-57.26%

Fast Food Meal (McDonalds, etc)

$5.55 ฿187

$7.61 €6.82

-27.07%

Cappuccino

$1.67 ฿56.5

$1.96 €1.76

-14.80%

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

$0.64 ฿21.55

$2.45 €2.19

-73.88%

Water (0.33 liter bottle)

$0.31 ฿10.31

$1.61 €1.44

-80.75%

Local Beer (0.5 liter draught)

$2.36 ฿79.6

$2.43 €2.18

-2.88%

Imported Beer (0.33 liter bottle)

$3.66 ฿124

$2.46 €2.20

48.78%

Milk (1 liter)

$1.95 ฿65.8

$1.13 €1.02

72.57%

White Bread (500g)

$1.44 ฿48.48

$1.13 €1.02

27.43%

Rice (white) (1kg)

$1.33 ฿45.04

$1.53 €1.37

-13.07%

Eggs

$2.28 ฿77.1

$3.16 €2.83

-27.85%

Local Cheese (1kg)

$16.45 ฿555

$9.05 €8.11

81.77%

Chicken Fillets (1kg)

$2.78 ฿93.9

$9.86 €8.83

-71.81%

Beef Round Steak (1kg)

$9.31 ฿314

$12.02 €10.77

-22.55%

Apples (1kg)

$2.35 ฿79.4

$1.97 €1.77

19.29%

Banana (1kg)

$0.97 ฿32.80

$1.84 €1.65

-47.28%

Oranges (1kg)

$1.60 ฿53.9

$1.83 €1.64

-12.57%

Tomato (1kg)

$1.50 ฿50.6

$2.01 €1.80

-25.37%

Potato (1kg)

$1.28 ฿43.12

$1.38 €1.24

-7.25%

Onion (1kg)

$1.10 ฿37.19

$1.06 €0.95

3.77%

Lettuce (1 head)

$0.71 ฿23.82

$1.63 €1.46

-56.44%

Water (1.5 liter bottle)

$0.49 ฿16.37

$1.17 €1.05

-58.12%

Cigarettes 20 Pack (Marlboro, Camel)

$4.14 ฿140

$5.69 €5.10

-27.24%

Wine (Bottle)

$17.52 ฿591

$6.67 €5.98

162.67%

Local Beer (0.5 liter bottle)

$1.61 ฿54.5

$1.61 €1.44

Imported Beer (0.33 liter bottle)

$2.78 ฿94.0

$2.31 €2.07

20.35%

One-way Ticket (Public Transport)

$0.87 ฿29.31

$3.33 €2.98

-73.87%

Public Transport Monthly Pass (Regular Price)

$54.1 ฿1,826

Taxi Start (Normal Tariff)

$1.16 ฿39.06

$5.66 €5.08

-79.51%

Taxi (Normal Tariff) (1km)

$0.53 ฿17.80

$1.09 €0.98

-51.38%

Taxi 1hour Waiting (Normal Tariff)

$2.42 ฿81.8

Gasoline (1 liter)

$1.45 ฿48.90

$1.69 €1.52

-14.20%

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

$21.1K ฿710.7K

$26.3K €23.6K

-19.98%

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

$26.9K ฿909.3K

$24.7K €22.1K

9.05%

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

$62.2 ฿2,098

$178 €160

-65.16%

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

$12.17 ฿411

$27.68 €24.80

-56.03%

Internet (50+ Mbps, Unlimited Data)

$20.12 ฿679

$38.87 €34.83

-48.24%

Gym Membership (Monthly)

$37.31 ฿1,259

$38.63 €34.61

-3.42%

Tennis Court (1 Hour on Weekend)

$3.77 ฿127

$18.24 €16.35

-79.33%

Cinema Ticket

$6.49 ฿219

$6.55 €5.87

-0.92%

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

$736 ฿24.8K

$427 €383

72.30%

International Primary School, 1 Child (Yearly)

$14.8K ฿498.3K

$6,876 €6,161

114.74%

Jeans (Levis 501 Or Similar)

$53.4 ฿1,801

$89.3 €80.0

-40.21%

Summer Dress (H&M, Zara, etc)

$24.64 ฿831

$49.51 €44.37

-50.23%

Sport Shoes (Adidas, Nike)

$91.5 ฿3,087

$88.8 €79.6

3.01%

Men's Leather Business Shoes

$71.9 ฿2,428

$78.3 €70.2

-8.12%

1-bedroom Apartment, City Center (Monthly)

$482 ฿16.3K

$478 €428

0.95%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ฿10.4K

$349 €312

-11.40%

3-bedroom Apartment, City Center (Monthly)

$1,006 ฿33.9K

$733 €657

37.22%

3-bedroom Apartment, Outside City Center (Monthly)

$633 ฿21.4K

$530 €475

19.42%

Buy Apartment in City Center (m2)

$2,363 ฿79.8K

$2,746 €2,461

-13.95%

Buy Apartment Outside City Center (m2)

$1,589 ฿53.6K

$2,382 €2,134

-33.28%

Average Monthly Net Salary (After Tax)

$590 ฿19.9K

$1,399 €1,254

-57.85%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.57

3.72

49.73%

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

Last update for Chiang Mai: October 26, 2026

Last update for Karlovac: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Chiang Mai

$309 33%

Karlovac

$349 28.5% 12.9% $40

Groceries & Markets

Chiang Mai

$234 25.1%

Karlovac

$245 20.1% 4.6% $11

Clothing & Footwear

Chiang Mai

$109 11.6%

Karlovac

$138 11.3% 26.7% $29

Monthly Utilities & Internet

Chiang Mai

$94 10.1%

Karlovac

$245 20.1% 159% $151

Eating Out

Chiang Mai

$78 8.3%

Karlovac

$169 13.9% 118% $92

Getting Around

Chiang Mai

$61 6.6%

Karlovac

$24 * 2% 60.2% $37

Sport & Entertainment

Chiang Mai

$50 5.4%

Karlovac

$52 4.2% 2.9% $1.4

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

Cost Breakdown

A central one-bedroom costs $482 in Chiang Mai versus $478 in Karlovac. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Karlovac are about 2.4 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $19 in Chiang Mai versus $44 in Karlovac. Monthly groceries follow the same trend: $234 vs $245 – making Chiang Mai the more affordable choice for daily food spending.

Good to know

🇹🇭 Chiang Mai

🇭🇷 Karlovac

🕒 Local time

17:13 5:13 PM

11:13 11:13 AM

6 h behind Chiang Mai

🌤 Weather

👥 Population

127,240

41,869

💱 Currency

Thai Baht THB ฿

Euro EUR €

📈 Exchange rate

100 THB = 2.96 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 November 2, 2026: 1 USD = 33.75 THB (100 THB = 2.96 USD). 1 EUR = 37.66 THB (100 THB = 2.66 EUR).

Euro exchange rates as of November 2, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

USD to THB in detail →

On the map

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Between locations

Chiang Mai Karlovac 8,030 km ≈ 11 h nonstop flight

From you

Chiang Mai
Karlovac

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 Karlovac: Cost of Living - Frequently Asked Questions

Karlovac costs about 31% 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 $1,833 in Karlovac. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A central 1-bedroom goes for about $482 in Chiang Mai and $478 in Karlovac. The gap holds across neighborhoods – outer areas show a similar spread, just at lower price points.

A mid-range dinner for two costs $19 in Chiang Mai and $44 in Karlovac. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 5% more in Karlovac, though the gap depends on what you buy.

$800 is a stretch for both – monthly costs hit $936 in Chiang Mai and $1,222 in Karlovac. 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 $936 in Chiang Mai to $1,222 in Karlovac. 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, Karlovac makes more sense. Both are solid long-term options with distinct trade-offs.