Cost of Living Comparison Between Chiang Mai and Loja Cost of Living Comparison Between Chiang Mai and Loja

Monthly Cost of Living

A single person spends $852 per month in Chiang Mai vs $749 in Loja, rent included.

A couple spends around $1,354 per month in Chiang Mai vs $1,115 in Loja, rent included.

A family of three spends $1,857 per month in Chiang Mai vs $1,481 in Loja, rent included.

Chiang Mai costs about 14% more than Loja, driven mainly by Groceries & Markets.

Both Chiang Mai and Loja are more affordable than the global median – Chiang Mai 36% lower, Loja 44% lower.

Meal at Budget Restaurant

$1.96 ฿64.0

$3.01 $3.01

-34.88%

Three-Course Dinner for Two, Mid-Range

$18.81 ฿615

$19.79 $19.79

-4.95%

Fast Food Meal (McDonalds, etc)

$7.92 ฿259

$6.79 $6.79

16.64%

Cappuccino

$1.91 ฿62.6

$1.79 $1.79

6.70%

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

$0.84 ฿27.41

$0.60 $0.60

40.00%

Water (0.33 liter bottle)

$0.35 ฿11.51

$0.49 $0.49

-28.57%

Local Beer (0.5 liter draught)

$2.21 ฿72.1

$0.98 $0.98

125.51%

Imported Beer (0.33 liter bottle)

$3.80 ฿124

$2.02 $2.02

88.12%

Milk (1 liter)

$1.64 ฿53.5

$1.03 $1.03

59.22%

White Bread (500g)

$1.62 ฿53.1

$1.33 $1.33

21.80%

Rice (white) (1kg)

$1.18 ฿38.62

$1.50 $1.50

-21.33%

Eggs

$2.01 ฿65.8

$1.90 $1.90

5.79%

Local Cheese (1kg)

$15.89 ฿520

$5.60 $5.60

183.75%

Chicken Fillets (1kg)

$3.01 ฿98.5

$4.58 $4.58

-34.28%

Beef Round Steak (1kg)

$10.77 ฿352

$5.84 $5.84

84.42%

Apples (1kg)

$2.61 ฿85.5

$1.37 $1.37

90.51%

Banana (1kg)

$1.22 ฿39.88

$0.90 $0.90

35.56%

Oranges (1kg)

$1.70 ฿55.7

$1.02 $1.02

66.67%

Tomato (1kg)

$1.58 ฿51.5

$1.07 $1.07

47.66%

Potato (1kg)

$1.32 ฿43.14

$0.74 $0.74

78.38%

Onion (1kg)

$1.17 ฿38.23

$0.86 $0.86

36.05%

Lettuce (1 head)

$0.67 ฿21.98

$0.49 $0.49

36.73%

Water (1.5 liter bottle)

$0.56 ฿18.32

$1.02 $1.02

-45.10%

Cigarettes 20 Pack (Marlboro, Camel)

$4.53 ฿148

$5.73 $5.73

-20.94%

Wine (Bottle)

$18.20 ฿595

$6.95 $6.95

161.87%

Local Beer (0.5 liter bottle)

$1.83 ฿60.0

$1.44 $1.44

27.08%

Imported Beer (0.33 liter bottle)

$3.23 ฿106

$2.76 $2.76

17.03%

One-way Ticket (Public Transport)

$0.89 ฿29.00

$0.29 $0.29

206.90%

Public Transport Monthly Pass (Regular Price)

$19.38 ฿634

$40.34 $40.34

-51.96%

Taxi Start (Normal Tariff)

$1.35 ฿44.20

$0.63 $0.63

114.29%

Taxi (Normal Tariff) (1km)

$1.35 ฿44.05

$1.03 $1.03

31.07%

Taxi 1hour Waiting (Normal Tariff)

$8.25 ฿270

$13.48 $13.48

-38.80%

Gasoline (1 liter)

$1.27 ฿41.64

$0.68 $0.68

86.76%

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

$21.2K ฿691.8K

$15.1K $15.1K

40.02%

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

$22.5K ฿735.3K

$28.3K $28.3K

-20.68%

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

$70.2 ฿2,294

$20.13 $20.13

248.48%

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

$13.77 ฿450

$10.62 $10.62

29.66%

Internet (50+ Mbps, Unlimited Data)

$17.60 ฿575

$27.88 $27.88

-36.87%

Gym Membership (Monthly)

$41.57 ฿1,360

$33.11 $33.11

25.55%

Tennis Court (1 Hour on Weekend)

$6.60 ฿216

$14.00 $14.00

-52.86%

Cinema Ticket

$5.78 ฿189

$7.45 $7.45

-22.42%

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

$306 ฿10.0K

$178 $178

71.57%

International Primary School, 1 Child (Yearly)

$14.8K ฿484.8K

$2,028 $2,028

631.17%

Jeans (Levis 501 Or Similar)

$54.4 ฿1,778

$57.0 $57.0

-4.63%

Summer Dress (H&M, Zara, etc)

$26.14 ฿855

$50.4 $50.4

-48.15%

Sport Shoes (Adidas, Nike)

$84.5 ฿2,764

$86.5 $86.5

-2.31%

Men's Leather Business Shoes

$69.4 ฿2,270

$66.5 $66.5

4.41%

1-bedroom Apartment, City Center (Monthly)

$424 ฿13.9K

$284 $284

49.21%

1-bedroom Apartment, Outside City Center (Monthly)

$238 ฿7,788

$231 $231

3.03%

3-bedroom Apartment, City Center (Monthly)

$825 ฿27.0K

$428 $428

92.61%

3-bedroom Apartment, Outside City Center (Monthly)

$515 ฿16.8K

$328 $328

57.07%

Buy Apartment in City Center (m2)

$2,049 ฿67.0K

$656 $656

212.49%

Buy Apartment Outside City Center (m2)

$1,523 ฿49.8K

$507 $507

200.11%

Average Monthly Net Salary (After Tax)

$635 ฿20.8K

$454 $454

39.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

-50.00%

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

Last update for Chiang Mai: April 27, 2026

Last update for Loja: April 28, 2026

Cost Breakdown

A central one-bedroom costs $424 in Chiang Mai versus $284 in Loja. 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 40% higher in Chiang Mai, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $19.00 in Chiang Mai versus $20.00 in Loja. Groceries tell a different story – $243 in Chiang Mai vs $161 in Loja – so Loja wins on supermarket bills even if dining out costs more.

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 Loja: Cost of Living - Frequently Asked Questions

Chiang Mai costs about 14% more than Loja, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,278 per month in Chiang Mai and $1,123 in Loja. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Kindergarten costs $306 per month in Chiang Mai and $178 in Loja. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 51% more in Chiang Mai, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$1,200 covers both cities comfortably – all-in costs are $852 in Chiang Mai and $749 in Loja, leaving budget for savings and extras in both cases.

For digital nomads, it depends on budget. Loja costs $749 versus $852 in Chiang Mai. 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 Loja. If higher salaries, better infrastructure, or specific career opportunities are the priority, Chiang Mai makes more sense. Both are solid long-term options with distinct trade-offs.