Last update: Oct 2026

Cost of Living Comparison Between Chiang Mai and Kokkola

For one person, living is cheaper in Chiang Mai: $936 a month against $1,836 in Kokkola, rent and utilities included – about $10,800 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
89

Cost of Living Index in Kokkola
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Kokkola Living Index

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Chiang Mai

🇹🇭 Thailand

$936

/mo nomad

Kokkola

🇫🇮 Finland

$1,836

/mo nomad

Monthly Cost of Living

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

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

A single person spends $936 per month in Chiang Mai vs $1,836 in Kokkola, rent included.

Chiang Mai $936
Kokkola $1,836

A couple spends around $1,457 per month in Chiang Mai vs $2,921 in Kokkola, rent included.

Chiang Mai $1,457
Kokkola $2,921

A family of three spends $1,979 per month in Chiang Mai vs $4,006 in Kokkola, rent included.

Chiang Mai $1,979
Kokkola $4,006

Chiang Mai is about 49% cheaper than Kokkola, and outside of rent the biggest gap is in eating out.

Chiang Mai sits 31% below the global median, while Kokkola is 35% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$2.24 ฿75.6

$15.94 €14.27

-85.95%

Three-Course Dinner for Two, Mid-Range

$19.00 ฿641

$89.9 €80.5

-78.86%

Fast Food Meal (McDonalds, etc)

$5.55 ฿187

$11.50 €10.30

-51.74%

Cappuccino

$1.67 ฿56.5

$5.32 €4.77

-68.61%

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

$0.64 ฿21.54

$2.87 €2.57

-77.70%

Water (0.33 liter bottle)

$0.31 ฿10.31

$1.95 €1.75

-84.10%

Local Beer (0.5 liter draught)

$2.36 ฿79.5

$7.64 €6.84

-69.11%

Imported Beer (0.33 liter bottle)

$3.66 ฿124

$8.83 €7.91

-58.55%

Milk (1 liter)

$1.95 ฿65.7

$1.11 €0.99

75.68%

White Bread (500g)

$1.44 ฿48.46

$2.68 €2.40

-46.27%

Rice (white) (1kg)

$1.33 ฿45.03

$2.36 €2.12

-43.64%

Eggs

$2.28 ฿77.1

$3.11 €2.78

-26.69%

Local Cheese (1kg)

$16.45 ฿555

$8.94 €8.00

84.00%

Chicken Fillets (1kg)

$2.78 ฿93.9

$14.01 €12.55

-80.16%

Beef Round Steak (1kg)

$9.31 ฿314

$21.69 €19.43

-57.08%

Apples (1kg)

$2.35 ฿79.4

$2.28 €2.05

3.07%

Banana (1kg)

$0.97 ฿32.79

$2.02 €1.81

-51.98%

Oranges (1kg)

$1.60 ฿53.9

$2.58 €2.31

-37.98%

Tomato (1kg)

$1.50 ฿50.6

$3.96 €3.54

-62.12%

Potato (1kg)

$1.28 ฿43.11

$1.30 €1.17

-1.54%

Onion (1kg)

$1.10 ฿37.18

$1.83 €1.64

-39.89%

Lettuce (1 head)

$0.71 ฿23.82

$2.78 €2.49

-74.46%

Water (1.5 liter bottle)

$0.49 ฿16.36

$2.04 €1.82

-75.98%

Cigarettes 20 Pack (Marlboro, Camel)

$4.14 ฿140

$12.96 €11.61

-68.06%

Wine (Bottle)

$17.52 ฿591

$15.92 €14.26

10.05%

Local Beer (0.5 liter bottle)

$1.61 ฿54.5

$3.18 €2.85

-49.37%

Imported Beer (0.33 liter bottle)

$2.78 ฿93.9

$3.31 €2.96

-16.01%

One-way Ticket (Public Transport)

$0.87 ฿29.30

$3.03 €2.71

-71.29%

Public Transport Monthly Pass (Regular Price)

$54.1 ฿1,825

$73.9 €66.2

-26.77%

Taxi Start (Normal Tariff)

$1.16 ฿39.04

$4.29 €3.85

-72.96%

Taxi (Normal Tariff) (1km)

$0.53 ฿17.80

$1.35 €1.21

-60.74%

Taxi 1hour Waiting (Normal Tariff)

$2.42 ฿81.7

$66.4 €59.5

-96.36%

Gasoline (1 liter)

$1.45 ฿48.88

$2.31 €2.07

-37.23%

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

$21.1K ฿710.5K

$37.1K €33.2K

-43.18%

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

$26.9K ฿909.0K

$37.1K €33.3K

-27.46%

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

$62.2 ฿2,098

$129 €116

-51.92%

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

$12.17 ฿411

$25.04 €22.42

-51.40%

Internet (50+ Mbps, Unlimited Data)

$20.12 ฿679

$23.90 €21.40

-15.82%

Gym Membership (Monthly)

$37.31 ฿1,259

$42.44 €38.01

-12.09%

Tennis Court (1 Hour on Weekend)

$3.77 ฿127

$21.93 €19.64

-82.81%

Cinema Ticket

$6.49 ฿219

$18.17 €16.28

-64.28%

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

$736 ฿24.8K

$327 €293

125.02%

International Primary School, 1 Child (Yearly)

$14.8K ฿498.2K

$11.3K €10.1K

30.99%

Jeans (Levis 501 Or Similar)

$53.4 ฿1,801

$93.9 €84.1

-43.18%

Summer Dress (H&M, Zara, etc)

$24.64 ฿831

$48.08 €43.06

-48.75%

Sport Shoes (Adidas, Nike)

$91.5 ฿3,087

$101 €90.0

-8.98%

Men's Leather Business Shoes

$71.9 ฿2,427

$151 €135

-52.38%

1-bedroom Apartment, City Center (Monthly)

$482 ฿16.3K

$770 €690

-37.38%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ฿10.4K

$631 €565

-51.04%

3-bedroom Apartment, City Center (Monthly)

$1,006 ฿33.9K

$1,217 €1,090

-17.33%

3-bedroom Apartment, Outside City Center (Monthly)

$633 ฿21.4K

$1,136 €1,017

-44.23%

Buy Apartment in City Center (m2)

$2,363 ฿79.7K

$4,340 €3,886

-45.54%

Buy Apartment Outside City Center (m2)

$1,589 ฿53.6K

$2,394 €2,144

-33.62%

Average Monthly Net Salary (After Tax)

$590 ฿19.9K

20-Year Fixed Mortgage Interest Rate (Annual %)

5.57

3.51

58.69%

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

Last update for Chiang Mai: October 26, 2026

Last update for Kokkola: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Chiang Mai

$309 33%

Kokkola

$631 34.4% 104% $322

Groceries & Markets

Chiang Mai

$234 25.1%

Kokkola

$373 20.3% 59.1% $139

Clothing & Footwear

Chiang Mai

$109 11.6%

Kokkola

$177 9.7% 63% $68

Monthly Utilities & Internet

Chiang Mai

$94 10.1%

Kokkola

$178 9.7% 88.7% $84

Eating Out

Chiang Mai

$78 8.3%

Kokkola

$301 16.4% 288% $223

Getting Around

Chiang Mai

$61 6.6%

Kokkola

$97 5.3% 58.1% $36

Sport & Entertainment

Chiang Mai

$50 5.4%

Kokkola

$79 4.3% 56.7% $29

Cost Breakdown

A central one-bedroom costs $482 in Chiang Mai versus $770 in Kokkola. 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 in Chiang Mai versus $90 in Kokkola. Monthly groceries follow the same trend: $234 vs $373 – making Chiang Mai the more affordable choice for daily food spending.

Good to know

🇹🇭 Chiang Mai

🇫🇮 Kokkola

🕒 Local time

15:03 3:03 PM

10:03 10:03 AM

5 h behind Chiang Mai

🌤 Weather

👥 Population

127,240

48,299

💱 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 1, 2026: 1 USD = 33.74 THB (100 THB = 2.96 USD). 1 EUR = 37.67 THB (100 THB = 2.65 EUR).

Euro exchange rates as of November 1, 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 Kokkola 7,450 km ≈ 10 h nonstop flight

From you

Chiang Mai
Kokkola

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 Kokkola: Cost of Living - Frequently Asked Questions

Kokkola costs about 96% 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 $2,754 in Kokkola. 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 $770 in Kokkola.

Kindergarten costs $736 per month in Chiang Mai and $327 in Kokkola. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 59% more in Kokkola, though the gap depends on what you buy.

$800 is a stretch for both – monthly costs hit $936 in Chiang Mai and $1,836 in Kokkola. 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 $1,836 in Kokkola. 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.

For expats, Chiang Mai is the easier option financially – housing and daily costs are lower, and overall it costs about 49% less, which matters a lot on a fixed budget or early-career salary.