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

Monthly Cost of Living

A single person spends $866 per month in Chiang Mai vs $1,476 in Lomza, rent included.

A couple spends around $1,351 per month in Chiang Mai vs $2,098 in Lomza, rent included.

A family of three spends $1,835 per month in Chiang Mai vs $2,720 in Lomza, rent included.

Chiang Mai is about 41% cheaper than Lomza, driven mainly by Eating Out.

Chiang Mai sits 35% below the global median, while Lomza is 10% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$1.94 ฿63.5

$9.48 zł 34.56

-79.54%

Three-Course Dinner for Two, Mid-Range

$18.64 ฿609

$40.65 zł 148

-54.15%

Fast Food Meal (McDonalds, etc)

$7.82 ฿255

$8.16 zł 29.75

-4.17%

Cappuccino

$1.95 ฿63.8

$3.19 zł 11.65

-38.87%

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

$0.85 ฿27.77

$2.12 zł 7.72

-59.91%

Water (0.33 liter bottle)

$0.35 ฿11.58

$1.63 zł 5.95

-78.53%

Local Beer (0.5 liter draught)

$2.13 ฿69.6

$2.93 zł 10.70

-27.30%

Imported Beer (0.33 liter bottle)

$3.73 ฿122

$3.59 zł 13.08

3.90%

Milk (1 liter)

$1.71 ฿56.0

$1.05 zł 3.83

62.86%

White Bread (500g)

$1.63 ฿53.2

$1.23 zł 4.49

32.52%

Rice (white) (1kg)

$1.14 ฿37.15

$1.61 zł 5.86

-29.19%

Eggs

$1.93 ฿63.1

$3.38 zł 12.33

-42.90%

Local Cheese (1kg)

$16.21 ฿530

$7.99 zł 29.12

102.88%

Chicken Fillets (1kg)

$3.12 ฿102

$6.23 zł 22.74

-49.92%

Beef Round Steak (1kg)

$10.90 ฿356

$9.62 zł 35.07

13.31%

Apples (1kg)

$2.75 ฿90.0

$1.14 zł 4.17

141.23%

Banana (1kg)

$1.21 ฿39.52

$1.59 zł 5.81

-23.90%

Oranges (1kg)

$1.62 ฿53.0

$1.63 zł 5.95

-0.61%

Tomato (1kg)

$1.59 ฿51.8

$2.50 zł 9.11

-36.40%

Potato (1kg)

$1.40 ฿45.70

$0.98 zł 3.56

42.86%

Onion (1kg)

$1.17 ฿38.17

$1.19 zł 4.34

-1.68%

Lettuce (1 head)

$0.66 ฿21.60

$1.31 zł 4.76

-49.62%

Water (1.5 liter bottle)

$0.53 ฿17.22

$0.65 zł 2.36

-18.46%

Cigarettes 20 Pack (Marlboro, Camel)

$4.69 ฿153

$5.21 zł 18.99

-9.98%

Wine (Bottle)

$18.66 ฿609

$7.33 zł 26.74

154.57%

Local Beer (0.5 liter bottle)

$1.80 ฿58.8

$1.07 zł 3.89

68.22%

Imported Beer (0.33 liter bottle)

$3.23 ฿106

$1.80 zł 6.56

79.44%

One-way Ticket (Public Transport)

$0.90 ฿29.26

$1.10 zł 4.02

-18.18%

Public Transport Monthly Pass (Regular Price)

$19.21 ฿628

$32.16 zł 117

-40.27%

Taxi Start (Normal Tariff)

$1.41 ฿45.91

$2.14 zł 7.82

-34.11%

Taxi (Normal Tariff) (1km)

$1.29 ฿42.12

$0.77 zł 2.82

67.53%

Taxi 1hour Waiting (Normal Tariff)

$7.84 ฿256

$10.56 zł 38.51

-25.76%

Gasoline (1 liter)

$1.27 ฿41.58

$1.79 zł 6.52

-29.05%

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

$21.3K ฿694.9K

$33.8K zł 123.1K

-36.96%

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

$22.2K ฿725.4K

$30.7K zł 112.0K

-27.66%

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

$69.1 ฿2,256

$290 zł 1,056

-76.15%

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

$14.08 ฿460

$7.64 zł 27.87

84.29%

Internet (50+ Mbps, Unlimited Data)

$18.00 ฿588

$16.02 zł 58.4

12.36%

Gym Membership (Monthly)

$41.06 ฿1,341

$37.01 zł 135

10.94%

Tennis Court (1 Hour on Weekend)

$6.96 ฿227

$19.45 zł 70.9

-64.22%

Cinema Ticket

$5.92 ฿193

$8.47 zł 30.90

-30.11%

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

$299 ฿9,766

$503 zł 1,832

-40.49%

International Primary School, 1 Child (Yearly)

$15.0K ฿488.3K

$4,707 zł 17.2K

217.66%

Jeans (Levis 501 Or Similar)

$54.7 ฿1,787

$90.3 zł 329

-39.41%

Summer Dress (H&M, Zara, etc)

$26.77 ฿874

$44.63 zł 163

-40.02%

Sport Shoes (Adidas, Nike)

$85.0 ฿2,776

$102 zł 373

-16.82%

Men's Leather Business Shoes

$70.6 ฿2,306

$125 zł 456

-43.49%

1-bedroom Apartment, City Center (Monthly)

$428 ฿14.0K

$650 zł 2,370

-34.12%

1-bedroom Apartment, Outside City Center (Monthly)

$237 ฿7,752

$485 zł 1,769

-51.09%

3-bedroom Apartment, City Center (Monthly)

$801 ฿26.2K

$971 zł 3,542

-17.50%

3-bedroom Apartment, Outside City Center (Monthly)

$515 ฿16.8K

$823 zł 3,001

-37.36%

Buy Apartment in City Center (m2)

$1,975 ฿64.5K

$3,137 zł 11.4K

-37.05%

Buy Apartment Outside City Center (m2)

$1,475 ฿48.2K

$2,130 zł 7,765

-30.74%

Average Monthly Net Salary (After Tax)

$617 ฿20.2K

20-Year Fixed Mortgage Interest Rate (Annual %)

6.28

-20.38%

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

Last update for Chiang Mai: May 31, 2026

Last update for Lomza: May 30, 2026

Cost Breakdown

A central one-bedroom costs $428 in Chiang Mai versus $650 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 $19.00 in Chiang Mai versus $41.00 in Lomza. Groceries tell a different story – $246 in Chiang Mai vs $203 in Lomza – so Lomza 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 Lomza: Cost of Living - Frequently Asked Questions

Lomza costs about 70% more than Chiang Mai, with the gap driven mainly by 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 $1,300 per month in Chiang Mai and $2,214 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $299 per month in Chiang Mai and $503 in Lomza. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Interestingly, groceries are about 21% cheaper in Lomza – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A $1,000 monthly budget goes further in Chiang Mai, where all-in costs run around $866, than in Lomza at $1,476. In Chiang Mai it covers expenses comfortably, while in Lomza it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Chiang Mai costs $866 versus $1,476 in Lomza. 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 Chiang Mai. If higher salaries, better infrastructure, or specific career opportunities are the priority, Lomza makes more sense. Both are solid long-term options with distinct trade-offs.