Last update: Oct 2026

Cost of Living Comparison Between Chiang Mai and Terni

For one person, living is cheaper in Chiang Mai: $936 a month against $1,299 in Terni, rent and utilities included – about $4,400 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
63

Cost of Living Index in Terni
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Terni Living Index

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Chiang Mai

🇹🇭 Thailand

$936

/mo nomad

Terni

🇮🇹 Italy

$1,299

/mo nomad

Monthly Cost of Living

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

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

A single person spends $936 per month in Chiang Mai vs $1,299 in Terni, rent included.

Chiang Mai $936
Terni $1,299

A couple spends around $1,457 per month in Chiang Mai vs $1,995 in Terni, rent included.

Chiang Mai $1,457
Terni $1,995

A family of three spends $1,979 per month in Chiang Mai vs $2,691 in Terni, rent included.

Chiang Mai $1,979
Terni $2,691

Chiang Mai is about 28% cheaper than Terni, and outside of rent the biggest gap is in eating out.

Both Chiang Mai and Terni are more affordable than the global median – Chiang Mai 31% lower, Terni 5% lower.

Meal at Budget Restaurant

$2.24 ฿75.6

$16.55 €14.82

-86.47%

Three-Course Dinner for Two, Mid-Range

$19.00 ฿641

$66.7 €59.8

-71.52%

Fast Food Meal (McDonalds, etc)

$5.55 ฿187

$13.54 €12.12

-59.01%

Cappuccino

$1.67 ฿56.5

$1.69 €1.51

-1.18%

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

$0.64 ฿21.54

$2.54 €2.28

-74.80%

Water (0.33 liter bottle)

$0.31 ฿10.31

$1.03 €0.93

-69.90%

Local Beer (0.5 liter draught)

$2.36 ฿79.5

$4.35 €3.90

-45.75%

Imported Beer (0.33 liter bottle)

$3.66 ฿124

$5.74 €5.14

-36.24%

Milk (1 liter)

$1.95 ฿65.7

$1.22 €1.09

59.84%

White Bread (500g)

$1.44 ฿48.46

$1.70 €1.52

-15.29%

Rice (white) (1kg)

$1.33 ฿45.03

$2.17 €1.95

-38.71%

Eggs

$2.28 ฿77.1

$3.82 €3.42

-40.31%

Local Cheese (1kg)

$16.45 ฿555

$13.38 €11.98

22.94%

Chicken Fillets (1kg)

$2.78 ฿93.9

$9.20 €8.24

-69.78%

Beef Round Steak (1kg)

$9.31 ฿314

$13.33 €11.94

-30.16%

Apples (1kg)

$2.35 ฿79.4

$1.13 €1.02

107.96%

Banana (1kg)

$0.97 ฿32.79

$1.13 €1.01

-14.16%

Oranges (1kg)

$1.60 ฿53.9

$1.13 €1.01

41.59%

Tomato (1kg)

$1.50 ฿50.6

$2.27 €2.03

-33.92%

Potato (1kg)

$1.28 ฿43.11

$0.74 €0.66

72.97%

Onion (1kg)

$1.10 ฿37.18

$1.48 €1.32

-25.68%

Lettuce (1 head)

$0.71 ฿23.82

$0.75 €0.67

-5.33%

Water (1.5 liter bottle)

$0.49 ฿16.36

$0.36 €0.32

36.11%

Cigarettes 20 Pack (Marlboro, Camel)

$4.14 ฿140

$6.59 €5.90

-37.18%

Wine (Bottle)

$17.52 ฿591

$8.00 €7.17

119.00%

Local Beer (0.5 liter bottle)

$1.61 ฿54.5

$1.14 €1.02

41.23%

Imported Beer (0.33 liter bottle)

$2.78 ฿93.9

$1.51 €1.36

84.11%

One-way Ticket (Public Transport)

$0.87 ฿29.30

$1.59 €1.42

-45.28%

Public Transport Monthly Pass (Regular Price)

$54.1 ฿1,825

$34.20 €30.63

58.16%

Taxi Start (Normal Tariff)

$1.16 ฿39.04

$3.63 €3.26

-68.04%

Taxi (Normal Tariff) (1km)

$0.53 ฿17.80

$1.26 €1.13

-57.94%

Taxi 1hour Waiting (Normal Tariff)

$2.42 ฿81.7

$30.81 €27.60

-92.15%

Gasoline (1 liter)

$1.45 ฿48.88

$2.14 €1.92

-32.24%

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

$21.1K ฿710.5K

$33.0K €29.6K

-36.27%

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

$26.9K ฿909.0K

$36.3K €32.5K

-25.73%

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

$62.2 ฿2,098

$150 €135

-58.61%

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

$12.17 ฿411

$11.46 €10.27

6.20%

Internet (50+ Mbps, Unlimited Data)

$20.12 ฿679

$30.69 €27.49

-34.44%

Gym Membership (Monthly)

$37.31 ฿1,259

$54.8 €49.09

-31.94%

Tennis Court (1 Hour on Weekend)

$3.77 ฿127

$11.20 €10.03

-66.34%

Cinema Ticket

$6.49 ฿219

$11.15 €9.99

-41.79%

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

$736 ฿24.8K

$329 €295

123.65%

International Primary School, 1 Child (Yearly)

$14.8K ฿498.2K

$16.5K €14.8K

-10.52%

Jeans (Levis 501 Or Similar)

$53.4 ฿1,801

$84.9 €76.0

-37.12%

Summer Dress (H&M, Zara, etc)

$24.64 ฿831

$33.72 €30.20

-26.93%

Sport Shoes (Adidas, Nike)

$91.5 ฿3,087

$106 €94.9

-13.68%

Men's Leather Business Shoes

$71.9 ฿2,427

$78.4 €70.2

-8.24%

1-bedroom Apartment, City Center (Monthly)

$482 ฿16.3K

$340 €304

42.04%

1-bedroom Apartment, Outside City Center (Monthly)

$309 ฿10.4K

$357 €320

-13.48%

3-bedroom Apartment, City Center (Monthly)

$1,006 ฿33.9K

$648 €580

55.23%

3-bedroom Apartment, Outside City Center (Monthly)

$633 ฿21.4K

$519 €465

22.02%

Buy Apartment in City Center (m2)

$2,363 ฿79.7K

$1,363 €1,221

73.35%

Buy Apartment Outside City Center (m2)

$1,589 ฿53.6K

$784 €702

102.61%

Average Monthly Net Salary (After Tax)

$590 ฿19.9K

$1,468 €1,315

-59.83%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.57

3.16

76.27%

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

Last update for Chiang Mai: October 26, 2026

Last update for Terni: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Chiang Mai

$309 33%

Terni

$357 27.5% 15.6% $48

Groceries & Markets

Chiang Mai

$234 25.1%

Terni

$245 18.9% 4.5% $10

Clothing & Footwear

Chiang Mai

$109 11.6%

Terni

$136 10.5% 25.5% $28

Monthly Utilities & Internet

Chiang Mai

$94 10.1%

Terni

$192 14.8% 104% $98

Eating Out

Chiang Mai

$78 8.3%

Terni

$241 18.5% 210% $163

Getting Around

Chiang Mai

$61 6.6%

Terni

$51 3.9% 17.7% $11

Sport & Entertainment

Chiang Mai

$50 5.4%

Terni

$77 5.9% 53.4% $27

Cost Breakdown

A central one-bedroom costs $482 in Chiang Mai versus $340 in Terni. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Terni are about 2.5 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $19 in Chiang Mai versus $67 in Terni. Monthly groceries follow the same trend: $234 vs $245 – making Chiang Mai the more affordable choice for daily food spending.

Good to know

🇹🇭 Chiang Mai

🇮🇹 Terni

🕒 Local time

21:05 9:05 PM

15:05 3:05 PM

6 h behind Chiang Mai

🌤 Weather

👥 Population

127,240

106,677

💱 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 Terni 8,320 km ≈ 11 h nonstop flight

From you

Chiang Mai
Terni

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 Terni: Cost of Living - Frequently Asked Questions

Terni costs about 39% 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 $1,949 in Terni. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Terni, especially for central apartments: a one-bedroom in the center costs $340 there versus $482 in Chiang Mai.

Kindergarten costs $736 per month in Chiang Mai and $329 in Terni. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 4% more in Terni, though the gap depends on what you buy.

$800 is a stretch for both – monthly costs hit $936 in Chiang Mai and $1,299 in Terni. 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 $1,299 in Terni. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Chiang Mai. If higher salaries or specific career opportunities are the priority, Terni makes more sense. Both are solid long-term options with distinct trade-offs.