Last update: Nov 2026

Cost of Living Comparison Between Chiang Mai and Lomza

For one person, living is cheaper in Chiang Mai: $935 a month against $1,507 in Lomza, rent and utilities included – about $6,900 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Chiang Mai
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Chiang Mai Living Index
72

Cost of Living Index in Lomza
Learn more

Lomza Living Index

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Chiang Mai

🇹🇭 Thailand

$935

/mo nomad

Lomza

🇵🇱 Poland

$1,507

/mo nomad

Monthly Cost of Living

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

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

A single person spends $935 per month in Chiang Mai vs $1,507 in Lomza, rent included.

Chiang Mai $935
Lomza $1,507

A couple spends around $1,467 per month in Chiang Mai vs $2,150 in Lomza, rent included.

Chiang Mai $1,467
Lomza $2,150

A family of three spends $1,999 per month in Chiang Mai vs $2,792 in Lomza, rent included.

Chiang Mai $1,999
Lomza $2,792

Chiang Mai is about 38% cheaper than Lomza, and outside of rent the biggest gap is in eating out.

Chiang Mai sits 31% below the global median, while Lomza is 11% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$2.13 ฿71.7

$9.60 zł 37.47

-77.81%

Three-Course Dinner for Two, Mid-Range

$18.62 ฿625

$46.68 zł 182

-60.11%

Fast Food Meal (McDonalds, etc)

$5.60 ฿188

$8.63 zł 33.67

-35.11%

Cappuccino

$1.66 ฿55.9

$3.56 zł 13.89

-53.37%

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

$0.65 ฿21.73

$2.72 zł 10.61

-76.10%

Water (0.33 liter bottle)

$0.30 ฿10.24

$2.63 zł 10.28

-88.59%

Local Beer (0.5 liter draught)

$2.32 ฿78.0

$4.46 zł 17.39

-47.98%

Imported Beer (0.33 liter bottle)

$3.67 ฿123

$4.99 zł 19.45

-26.45%

Milk (1 liter)

$2.02 ฿67.7

$1.01 zł 3.95

100.00%

White Bread (500g)

$1.41 ฿47.29

$1.10 zł 4.29

28.18%

Rice (white) (1kg)

$1.39 ฿46.75

$1.37 zł 5.35

1.46%

Eggs

$2.37 ฿79.5

$3.43 zł 13.37

-30.90%

Local Cheese (1kg)

$16.52 ฿555

$10.45 zł 40.77

58.09%

Chicken Fillets (1kg)

$2.67 ฿89.7

$7.03 zł 27.42

-62.02%

Beef Round Steak (1kg)

$9.02 ฿303

$11.64 zł 45.40

-22.51%

Apples (1kg)

$2.40 ฿80.6

$1.19 zł 4.66

101.68%

Banana (1kg)

$1.04 ฿34.98

$1.60 zł 6.25

-35.00%

Oranges (1kg)

$1.66 ฿55.7

$2.29 zł 8.95

-27.51%

Tomato (1kg)

$1.56 ฿52.4

$2.98 zł 11.61

-47.65%

Potato (1kg)

$1.24 ฿41.57

$0.82 zł 3.21

51.22%

Onion (1kg)

$1.09 ฿36.50

$0.92 zł 3.57

18.48%

Lettuce (1 head)

$0.76 ฿25.59

$1.34 zł 5.22

-43.28%

Water (1.5 liter bottle)

$0.51 ฿17.27

$0.62 zł 2.43

-17.74%

Cigarettes 20 Pack (Marlboro, Camel)

$4.12 ฿138

$5.57 zł 21.74

-26.03%

Wine (Bottle)

$17.93 ฿602

$6.64 zł 25.90

170.03%

Local Beer (0.5 liter bottle)

$1.62 ฿54.5

$1.09 zł 4.24

48.62%

Imported Beer (0.33 liter bottle)

$2.82 ฿94.8

$1.74 zł 6.81

62.07%

One-way Ticket (Public Transport)

$0.93 ฿31.39

$1.09 zł 4.24

-14.68%

Public Transport Monthly Pass (Regular Price)

$52.9 ฿1,777

$29.37 zł 115

80.08%

Taxi Start (Normal Tariff)

$1.18 ฿39.52

$1.58 zł 6.15

-25.32%

Taxi (Normal Tariff) (1km)

$0.17 ฿5.76

$0.57 zł 2.23

-70.18%

Taxi 1hour Waiting (Normal Tariff)

$1.81 ฿60.9

$9.20 zł 35.91

-80.33%

Gasoline (1 liter)

$1.47 ฿49.47

$1.59 zł 6.22

-7.55%

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

$21.0K ฿705.8K

$30.8K zł 120.1K

-31.75%

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

$26.5K ฿890.7K

$27.6K zł 107.5K

-3.77%

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

$62.6 ฿2,101

$306 zł 1,195

-79.57%

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

$11.60 ฿390

$8.56 zł 33.42

35.51%

Internet (50+ Mbps, Unlimited Data)

$20.30 ฿682

$17.23 zł 67.2

17.82%

Gym Membership (Monthly)

$37.88 ฿1,272

$38.01 zł 148

-0.34%

Tennis Court (1 Hour on Weekend)

$3.70 ฿124

$22.07 zł 86.1

-83.24%

Cinema Ticket

$6.51 ฿219

$8.09 zł 31.55

-19.53%

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

$727 ฿24.4K

$507 zł 1,979

43.33%

International Primary School, 1 Child (Yearly)

$16.6K ฿556.7K

$10.4K zł 40.7K

58.82%

Jeans (Levis 501 Or Similar)

$53.5 ฿1,798

$73.4 zł 287

-27.10%

Summer Dress (H&M, Zara, etc)

$24.80 ฿833

$40.73 zł 159

-39.11%

Sport Shoes (Adidas, Nike)

$90.4 ฿3,036

$88.8 zł 346

1.80%

Men's Leather Business Shoes

$72.0 ฿2,418

$94.8 zł 370

-24.05%

1-bedroom Apartment, City Center (Monthly)

$481 ฿16.2K

$585 zł 2,281

-17.68%

1-bedroom Apartment, Outside City Center (Monthly)

$310 ฿10.4K

$529 zł 2,065

-41.43%

3-bedroom Apartment, City Center (Monthly)

$1,058 ฿35.5K

$953 zł 3,718

11.05%

3-bedroom Apartment, Outside City Center (Monthly)

$659 ฿22.1K

$803 zł 3,132

-17.96%

Buy Apartment in City Center (m2)

$2,418 ฿81.2K

$2,932 zł 11.4K

-17.53%

Buy Apartment Outside City Center (m2)

$1,609 ฿54.0K

$2,198 zł 8,576

-26.81%

Average Monthly Net Salary (After Tax)

$595 ฿20.0K

20-Year Fixed Mortgage Interest Rate (Annual %)

5.57

6.87

-18.92%

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

Last update for Chiang Mai: November 1, 2026

Last update for Lomza: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Chiang Mai

$310 33.1%

Lomza

$529 35.1% 70.7% $219

Groceries & Markets

Chiang Mai

$237 25.3%

Lomza

$221 14.6% 6.8% $16

Clothing & Footwear

Chiang Mai

$108 11.6%

Lomza

$134 8.9% 23.7% $26

Monthly Utilities & Internet

Chiang Mai

$94 10.1%

Lomza

$332 22% 252% $238

Eating Out

Chiang Mai

$77 8.2%

Lomza

$199 13.2% 160% $123

Getting Around

Chiang Mai

$59 6.3%

Lomza

$38 2.5% 34.9% $21

Sport & Entertainment

Chiang Mai

$51 5.4%

Lomza

$54 3.6% 6.4% $3.3

Cost Breakdown

A central one-bedroom costs $481 in Chiang Mai versus $585 in Lomza. 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 $47 in Lomza. Groceries tell a different story – $237 in Chiang Mai vs $221 in Lomza – so Lomza wins on supermarket bills even if dining out costs more.

Good to know

🇹🇭 Chiang Mai

🇵🇱 Lomza

🕒 Local time

07:09 7:09 AM

01:09 1:09 AM

6 h behind Chiang Mai

🌤 Weather

👥 Population

127,240

62,711

💱 Currency

Thai Baht THB ฿

Polish Złoty PLN zł

📈 Exchange rate

100 THB = 2.98 USD

100 THB = 2.64 EUR

1 PLN = 0.256 USD

1 PLN = 0.228 EUR

Exchange rates and currency converter

PLN, USD, EUR to THB – Thai Baht Converter

🇺🇸 United States Dollar ($)

🇹🇭 Thai Baht (฿)

Thai Baht exchange rates as of November 5, 2026: 1 USD = 33.59 THB (100 THB = 2.98 USD). 1 EUR = 37.81 THB (100 THB = 2.64 EUR).

Polish Złoty exchange rates as of November 5, 2026: 1 USD = 3.9 PLN (1 PLN = 0.256 USD). 1 EUR = 4.39 PLN (1 PLN = 0.228 EUR).

USD to THB in detail →

On the map

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Between locations

Chiang Mai Lomza 7,480 km ≈ 10 h nonstop flight

From you

Chiang Mai
Lomza

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 Lomza: Cost of Living - Frequently Asked Questions

Lomza costs about 61% 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 $2,261 in Lomza. 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 $585 in Lomza.

Kindergarten costs $727 per month in Chiang Mai and $507 in Lomza. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Interestingly, groceries are about 7% cheaper in Lomza – one category where the pricier city actually offers better value.

$800 is a stretch for both – monthly costs hit $935 in Chiang Mai and $1,507 in Lomza. 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 $1,507 in Lomza. 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.