Last update: Oct 2026

Cost of Living Comparison Between Chiang Mai and Masaya

For one person, living is cheaper in Masaya: $823 a month against $936 in Chiang Mai, rent and utilities included – about $1,400 less a year. Higher rent and utilities in Chiang Mai outweigh lower spending on other living expenses.

45

Cost of Living Index in Chiang Mai
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Chiang Mai Living Index
39

Cost of Living Index in Masaya
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Masaya Living Index

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Chiang Mai

🇹🇭 Thailand

$936

/mo nomad

Masaya

🇳🇮 Nicaragua

$823

/mo nomad

Monthly Cost of Living

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

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

A single person spends $936 per month in Chiang Mai vs $823 in Masaya, rent included.

Chiang Mai $936
Masaya $823

A couple spends around $1,457 per month in Chiang Mai vs $1,283 in Masaya, rent included.

Chiang Mai $1,457
Masaya $1,283

A family of three spends $1,979 per month in Chiang Mai vs $1,744 in Masaya, rent included.

Chiang Mai $1,979
Masaya $1,744

Chiang Mai costs about 14% more than Masaya, and outside of rent the biggest gap is in transport.

Both Chiang Mai and Masaya are more affordable than the global median – Chiang Mai 31% lower, Masaya 40% lower.

Meal at Budget Restaurant

$2.24 ฿75.7

$9.92 NIO 363

-77.42%

Three-Course Dinner for Two, Mid-Range

$19.00 ฿642

$34.43 NIO 1,261

-44.82%

Fast Food Meal (McDonalds, etc)

$5.55 ฿188

$7.73 NIO 283

-28.20%

Cappuccino

$1.67 ฿56.6

$2.54 NIO 93.0

-34.25%

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

$0.64 ฿21.56

$0.91 NIO 33.22

-29.67%

Water (0.33 liter bottle)

$0.31 ฿10.32

$0.73 NIO 26.84

-57.53%

Local Beer (0.5 liter draught)

$2.36 ฿79.6

$1.53 NIO 56.0

54.25%

Imported Beer (0.33 liter bottle)

$3.66 ฿124

$2.28 NIO 83.6

60.53%

Milk (1 liter)

$1.95 ฿65.8

$1.22 NIO 44.66

59.84%

White Bread (500g)

$1.44 ฿48.51

$2.40 NIO 87.8

-40.00%

Rice (white) (1kg)

$1.33 ฿45.07

$1.80 NIO 65.8

-26.11%

Eggs

$2.28 ฿77.1

$2.38 NIO 87.3

-4.20%

Local Cheese (1kg)

$16.45 ฿556

$11.43 NIO 419

43.92%

Chicken Fillets (1kg)

$2.78 ฿94.0

$6.35 NIO 233

-56.22%

Beef Round Steak (1kg)

$9.31 ฿314

$7.68 NIO 281

21.22%

Apples (1kg)

$2.35 ฿79.5

$3.95 NIO 145

-40.51%

Banana (1kg)

$0.97 ฿32.82

$0.57 NIO 21.03

70.18%

Oranges (1kg)

$1.60 ฿53.9

$1.84 NIO 67.3

-13.04%

Tomato (1kg)

$1.50 ฿50.7

$2.51 NIO 92.0

-40.24%

Potato (1kg)

$1.28 ฿43.15

$3.91 NIO 143

-67.26%

Onion (1kg)

$1.10 ฿37.22

$2.24 NIO 82.0

-50.89%

Lettuce (1 head)

$0.71 ฿23.84

$1.09 NIO 39.98

-34.86%

Water (1.5 liter bottle)

$0.49 ฿16.38

$1.06 NIO 38.67

-53.77%

Cigarettes 20 Pack (Marlboro, Camel)

$4.14 ฿140

$2.80 NIO 103

47.86%

Wine (Bottle)

$17.52 ฿592

$14.85 NIO 544

17.98%

Local Beer (0.5 liter bottle)

$1.61 ฿54.5

$1.46 NIO 53.5

10.27%

Imported Beer (0.33 liter bottle)

$2.78 ฿94.0

$2.18 NIO 79.8

27.52%

One-way Ticket (Public Transport)

$0.87 ฿29.33

Public Transport Monthly Pass (Regular Price)

$54.1 ฿1,827

Taxi Start (Normal Tariff)

$1.16 ฿39.08

$1.60 NIO 58.7

-27.50%

Taxi (Normal Tariff) (1km)

$0.53 ฿17.82

$1.59 NIO 58.2

-66.67%

Taxi 1hour Waiting (Normal Tariff)

$2.42 ฿81.8

$6.85 NIO 251

-64.67%

Gasoline (1 liter)

$1.45 ฿48.93

$1.38 NIO 50.5

5.07%

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

$21.1K ฿711.2K

$22.7K NIO 832.1K

-7.31%

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

$26.9K ฿909.8K

$26.4K NIO 966.7K

2.07%

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

$62.2 ฿2,100

$154 NIO 5,654

-59.72%

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

$12.17 ฿411

$19.83 NIO 726

-38.63%

Internet (50+ Mbps, Unlimited Data)

$20.12 ฿680

$31.97 NIO 1,171

-37.07%

Gym Membership (Monthly)

$37.31 ฿1,260

Tennis Court (1 Hour on Weekend)

$3.77 ฿127

Cinema Ticket

$6.49 ฿219

$9.06 NIO 332

-28.37%

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

$736 ฿24.9K

$240 NIO 8,800

206.37%

International Primary School, 1 Child (Yearly)

$14.8K ฿498.6K

$5,987 NIO 219.3K

146.62%

Jeans (Levis 501 Or Similar)

$53.4 ฿1,802

$59.7 NIO 2,184

-10.53%

Summer Dress (H&M, Zara, etc)

$24.64 ฿832

$64.7 NIO 2,369

-61.91%

Sport Shoes (Adidas, Nike)

$91.5 ฿3,089

$123 NIO 4,504

-25.61%

Men's Leather Business Shoes

$71.9 ฿2,429

$147 NIO 5,379

-51.01%

1-bedroom Apartment, City Center (Monthly)

$482 ฿16.3K

1-bedroom Apartment, Outside City Center (Monthly)

$309 ฿10.4K

3-bedroom Apartment, City Center (Monthly)

$1,006 ฿34.0K

3-bedroom Apartment, Outside City Center (Monthly)

$633 ฿21.4K

Buy Apartment in City Center (m2)

$2,363 ฿79.8K

Buy Apartment Outside City Center (m2)

$1,589 ฿53.7K

Average Monthly Net Salary (After Tax)

$590 ฿19.9K

20-Year Fixed Mortgage Interest Rate (Annual %)

5.57

11.92

-53.27%

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

Last update for Chiang Mai: October 26, 2026

Last update for Masaya: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Chiang Mai

$309 33%

Masaya

- * 0% 100%

Groceries & Markets

Chiang Mai

$234 25.1%

Masaya

$260 31.6% 10.8% $25

Clothing & Footwear

Chiang Mai

$109 11.6%

Masaya

$177 21.6% 63.3% $69

Monthly Utilities & Internet

Chiang Mai

$94 10.1%

Masaya

$206 25.1% 118% $112

Eating Out

Chiang Mai

$78 8.3%

Masaya

$152 18.5% 95.7% $74

Getting Around

Chiang Mai

$61 6.6%

Masaya

$9.5 * 1.2% 84.5% $52

Sport & Entertainment

Chiang Mai

$50 5.4%

Masaya

$18 * 2.2% 64% $32

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A mid-range dinner for two costs $19 in Chiang Mai versus $34 in Masaya. Monthly groceries follow the same trend: $234 vs $260 – making Chiang Mai the more affordable choice for daily food spending.

Good to know

🇹🇭 Chiang Mai

🇳🇮 Masaya

🕒 Local time

06:13 6:13 AM

17:13 5:13 PM

13 h behind Chiang Mai

🌤 Weather

👥 Population

127,240

178,835

💱 Currency

Thai Baht THB ฿

Nicaraguan Córdoba NIO C$

📈 Exchange rate

100 THB = 2.96 USD

100 THB = 2.66 EUR

100 NIO = 2.73 USD

100 NIO = 2.45 EUR

Exchange rates and currency converter

NIO, USD, EUR 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 = 37.59 THB (100 THB = 2.66 EUR).

Nicaraguan Córdoba exchange rates as of October 28, 2026: 1 USD = 36.62 NIO (100 NIO = 2.73 USD). 1 EUR = 40.77 NIO (100 NIO = 2.45 EUR).

USD to THB in detail →

On the map

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Highest

Between locations

Chiang Mai Masaya 16,550 km ≈ 21 h nonstop flight

From you

Chiang Mai
Masaya

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 Masaya: Cost of Living - Frequently Asked Questions

Chiang Mai costs about 14% more than Masaya, and outside of rent the gap comes mainly from transport. 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 $1,234 in Masaya. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A mid-range dinner for two costs $19 in Chiang Mai and $34 in Masaya. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 10% cheaper in Chiang Mai – one category where the pricier city actually offers better value.

It depends on your priorities. Chiang Mai has an edge in some lifestyle areas, with costs from $823 in Masaya to $936 in Chiang Mai. Climate, culture, job market, and personal taste all factor in.