Last update: Oct 2026

Cost of Living Comparison Between Chiang Mai and Kefalonia

For one person, living is cheaper in Chiang Mai: $936 a month against $1,571 in Kefalonia, rent and utilities included – about $7,600 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
76

Cost of Living Index in Kefalonia
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Kefalonia Living Index

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Chiang Mai

🇹🇭 Thailand

$936

/mo nomad

Kefalonia

🇬🇷 Greece

$1,571

/mo nomad

Monthly Cost of Living

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

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

A single person spends $936 per month in Chiang Mai vs $1,571 in Kefalonia, rent included.

Chiang Mai $936
Kefalonia $1,571

A couple spends around $1,457 per month in Chiang Mai vs $2,339 in Kefalonia, rent included.

Chiang Mai $1,457
Kefalonia $2,339

A family of three spends $1,979 per month in Chiang Mai vs $3,108 in Kefalonia, rent included.

Chiang Mai $1,979
Kefalonia $3,108

Chiang Mai is about 40% cheaper than Kefalonia, and outside of rent the biggest gap is in eating out.

Chiang Mai sits 31% below the global median, while Kefalonia is 15% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$2.24 ฿75.7

$15.00 €13.48

-85.07%

Three-Course Dinner for Two, Mid-Range

$19.00 ฿642

$38.51 €34.60

-50.66%

Fast Food Meal (McDonalds, etc)

$5.55 ฿188

$10.16 €9.13

-45.37%

Cappuccino

$1.67 ฿56.6

$3.09 €2.77

-45.95%

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

$0.64 ฿21.56

$3.34 €3.00

-80.84%

Water (0.33 liter bottle)

$0.31 ฿10.32

$0.60 €0.54

-48.33%

Local Beer (0.5 liter draught)

$2.36 ฿79.6

$4.81 €4.32

-50.94%

Imported Beer (0.33 liter bottle)

$3.66 ฿124

$5.32 €4.78

-31.20%

Milk (1 liter)

$1.95 ฿65.8

$1.60 €1.43

21.87%

White Bread (500g)

$1.44 ฿48.51

$1.60 €1.43

-10.00%

Rice (white) (1kg)

$1.33 ฿45.07

$2.25 €2.02

-40.89%

Eggs

$2.28 ฿77.1

$4.68 €4.21

-51.28%

Local Cheese (1kg)

$16.45 ฿556

$13.07 €11.75

25.86%

Chicken Fillets (1kg)

$2.78 ฿94.0

$9.95 €8.94

-72.06%

Beef Round Steak (1kg)

$9.31 ฿314

$14.96 €13.44

-37.77%

Apples (1kg)

$2.35 ฿79.5

$1.97 €1.77

19.29%

Banana (1kg)

$0.97 ฿32.82

$1.82 €1.64

-46.70%

Oranges (1kg)

$1.60 ฿53.9

$1.58 €1.42

1.27%

Tomato (1kg)

$1.50 ฿50.7

$2.10 €1.89

-28.57%

Potato (1kg)

$1.28 ฿43.15

$1.12 €1.01

14.29%

Onion (1kg)

$1.10 ฿37.22

$1.11 €1.00

-0.90%

Lettuce (1 head)

$0.71 ฿23.84

$1.21 €1.09

-41.32%

Water (1.5 liter bottle)

$0.49 ฿16.38

$0.81 €0.73

-39.51%

Cigarettes 20 Pack (Marlboro, Camel)

$4.14 ฿140

$5.30 €4.77

-21.89%

Wine (Bottle)

$17.52 ฿592

$6.69 €6.02

161.88%

Local Beer (0.5 liter bottle)

$1.61 ฿54.5

$2.49 €2.24

-35.34%

Imported Beer (0.33 liter bottle)

$2.78 ฿94.0

$2.55 €2.29

9.02%

One-way Ticket (Public Transport)

$0.87 ฿29.33

$1.21 €1.09

-28.10%

Public Transport Monthly Pass (Regular Price)

$54.1 ฿1,827

$48.36 €43.45

11.85%

Taxi Start (Normal Tariff)

$1.16 ฿39.08

$3.80 €3.41

-69.47%

Taxi (Normal Tariff) (1km)

$0.53 ฿17.82

$0.99 €0.89

-46.46%

Taxi 1hour Waiting (Normal Tariff)

$2.42 ฿81.8

$16.47 €14.80

-85.31%

Gasoline (1 liter)

$1.45 ฿48.93

$2.00 €1.80

-27.50%

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

$21.1K ฿711.2K

$27.5K €24.7K

-23.36%

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

$26.9K ฿909.8K

$25.5K €22.9K

5.77%

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

$62.2 ฿2,100

$284 €255

-78.13%

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

$12.17 ฿411

$23.46 €21.08

-48.12%

Internet (50+ Mbps, Unlimited Data)

$20.12 ฿680

$30.53 €27.43

-34.10%

Gym Membership (Monthly)

$37.31 ฿1,260

$50.5 €45.34

-26.06%

Tennis Court (1 Hour on Weekend)

$3.77 ฿127

$24.65 €22.15

-84.71%

Cinema Ticket

$6.49 ฿219

$8.78 €7.89

-26.08%

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

$736 ฿24.9K

$443 €398

66.21%

International Primary School, 1 Child (Yearly)

$14.8K ฿498.6K

$10.1K €9,056

46.48%

Jeans (Levis 501 Or Similar)

$53.4 ฿1,802

$90.1 €81.0

-40.79%

Summer Dress (H&M, Zara, etc)

$24.64 ฿832

$34.74 €31.22

-29.07%

Sport Shoes (Adidas, Nike)

$91.5 ฿3,089

$94.1 €84.6

-2.79%

Men's Leather Business Shoes

$71.9 ฿2,429

$122 €110

-41.11%

1-bedroom Apartment, City Center (Monthly)

$482 ฿16.3K

$539 €484

-10.54%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ฿10.4K

$429 €386

-28.05%

3-bedroom Apartment, City Center (Monthly)

$1,006 ฿34.0K

$1,100 €989

-8.59%

3-bedroom Apartment, Outside City Center (Monthly)

$633 ฿21.4K

$787 €707

-19.49%

Buy Apartment in City Center (m2)

$2,363 ฿79.8K

$2,621 €2,355

-9.85%

Buy Apartment Outside City Center (m2)

$1,589 ฿53.7K

$1,814 €1,630

-12.40%

Average Monthly Net Salary (After Tax)

$590 ฿19.9K

$1,111 €998

-46.93%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.57

4.48

24.33%

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

Last update for Chiang Mai: October 26, 2026

Last update for Kefalonia: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Chiang Mai

$309 33%

Kefalonia

$429 27.3% 39% $120

Groceries & Markets

Chiang Mai

$234 25.1%

Kefalonia

$282 18% 20.4% $48

Clothing & Footwear

Chiang Mai

$109 11.6%

Kefalonia

$154 9.8% 41.3% $45

Monthly Utilities & Internet

Chiang Mai

$94 10.1%

Kefalonia

$338 21.5% 258% $244

Eating Out

Chiang Mai

$78 8.3%

Kefalonia

$238 15.1% 207% $160

Getting Around

Chiang Mai

$61 6.6%

Kefalonia

$62 3.9% 1% $0.6

Sport & Entertainment

Chiang Mai

$50 5.4%

Kefalonia

$68 4.3% 35.3% $18

Cost Breakdown

A central one-bedroom costs $482 in Chiang Mai versus $539 in Kefalonia. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 88% higher in Kefalonia. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $19 in Chiang Mai versus $39 in Kefalonia. Monthly groceries follow the same trend: $234 vs $282 – making Chiang Mai the more affordable choice for daily food spending.

Good to know

🇹🇭 Chiang Mai

🇬🇷 Kefalonia

🕒 Local time

09:07 9:07 AM

04:07 4:07 AM

5 h behind Chiang Mai

🌤 Weather

👥 Population

127,240

36,404

💱 Currency

Thai Baht THB ฿

Euro EUR €

📈 Exchange rate

100 THB = 2.96 USD

100 THB = 2.66 EUR

1 EUR = 1.11 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 28, 2026: 1 USD = 33.77 THB (100 THB = 2.96 USD). 1 EUR = 37.65 THB (100 THB = 2.66 EUR).

Euro exchange rates as of October 28, 2026: 1 USD = 0.898 EUR (1 EUR = 1.11 USD).

USD to THB in detail →

On the map

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Between locations

Chiang Mai Kefalonia 7,740 km ≈ 10 h nonstop flight

From you

Chiang Mai
Kefalonia

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 Kefalonia: Cost of Living - Frequently Asked Questions

Kefalonia costs about 68% 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 $2,357 in Kefalonia. 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 $482 there versus $539 in Kefalonia.

Kindergarten costs $736 per month in Chiang Mai and $443 in Kefalonia. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 20% more in Kefalonia, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$800 is a stretch for both – monthly costs hit $936 in Chiang Mai and $1,571 in Kefalonia. 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 $1,571 in Kefalonia. Climate, culture, job market, and personal taste all factor in.

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, Kefalonia makes more sense. Both are solid long-term options with distinct trade-offs.