Last update: Oct 2026

Cost of Living Comparison Between Chiang Mai and Zimba

For one person, living is cheaper in Zimba: $131 a month against $925 in Chiang Mai, rent and utilities included – about $9,500 less a year. Rent and utilities account for about half of the difference.

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Cost of Living Index in Chiang Mai
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Chiang Mai Living Index

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Chiang Mai

🇹🇭 Thailand

$925

/mo nomad

Zimba

🇿🇲 Zambia

$131

/mo nomad

Monthly Cost of Living

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

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

A single person spends $925 per month in Chiang Mai vs $131 in Zimba, rent included.

Chiang Mai $925
Zimba $131

A couple spends around $1,414 per month in Chiang Mai vs $204 in Zimba, rent included.

Chiang Mai $1,414
Zimba $204

A family of three spends $1,903 per month in Chiang Mai vs $278 in Zimba, rent included.

Chiang Mai $1,903
Zimba $278

Chiang Mai costs about 608% more than Zimba, and outside of rent the biggest gap is in groceries.

Both Chiang Mai and Zimba are more affordable than the global median – Chiang Mai 32% lower, Zimba 90% lower.

Meal at Budget Restaurant

$2.29 ฿76.5

Three-Course Dinner for Two, Mid-Range

$19.64 ฿656

Fast Food Meal (McDonalds, etc)

$5.61 ฿188

$2.93 ZMW 58.3

91.47%

Cappuccino

$1.66 ฿55.6

$1.46 ZMW 29.04

13.70%

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

$0.70 ฿23.40

$0.73 ZMW 14.61

-4.11%

Water (0.33 liter bottle)

$0.31 ฿10.24

$0.34 ZMW 6.75

-8.82%

Local Beer (0.5 liter draught)

$2.41 ฿80.4

$0.77 ZMW 15.31

212.99%

Imported Beer (0.33 liter bottle)

$3.71 ฿124

$1.03 ZMW 20.40

260.19%

Milk (1 liter)

$1.95 ฿65.3

White Bread (500g)

$1.41 ฿47.03

$1.02 ZMW 20.19

38.24%

Rice (white) (1kg)

$1.31 ฿43.62

$1.52 ZMW 30.15

-13.82%

Eggs

$2.18 ฿72.9

$1.27 ZMW 25.18

71.65%

Local Cheese (1kg)

$16.65 ฿556

Chicken Fillets (1kg)

$2.76 ฿92.2

Beef Round Steak (1kg)

$9.11 ฿304

$3.56 ZMW 70.8

155.90%

Apples (1kg)

$2.39 ฿80.0

$1.79 ZMW 35.54

33.52%

Banana (1kg)

$1.03 ฿34.26

$1.52 ZMW 30.19

-32.24%

Oranges (1kg)

$1.63 ฿54.4

$2.95 ZMW 58.7

-44.75%

Tomato (1kg)

$1.50 ฿50.0

$0.73 ZMW 14.43

105.48%

Potato (1kg)

$1.29 ฿43.13

Onion (1kg)

$1.11 ฿37.03

$0.72 ZMW 14.34

54.17%

Lettuce (1 head)

$0.72 ฿24.08

$0.89 ZMW 17.67

-19.10%

Water (1.5 liter bottle)

$0.53 ฿17.59

$0.52 ZMW 10.32

1.92%

Cigarettes 20 Pack (Marlboro, Camel)

$4.31 ฿144

Wine (Bottle)

$17.95 ฿600

$5.87 ZMW 117

205.79%

Local Beer (0.5 liter bottle)

$1.58 ฿52.9

$0.78 ZMW 15.56

102.56%

Imported Beer (0.33 liter bottle)

$2.84 ฿95.0

$0.97 ZMW 19.32

192.78%

One-way Ticket (Public Transport)

$0.86 ฿28.86

Public Transport Monthly Pass (Regular Price)

$53.3 ฿1,780

Taxi Start (Normal Tariff)

$1.21 ฿40.29

Taxi (Normal Tariff) (1km)

$0.57 ฿18.99

Taxi 1hour Waiting (Normal Tariff)

$2.35 ฿78.6

Gasoline (1 liter)

$1.44 ฿47.96

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

$20.7K ฿692.8K

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

$26.8K ฿895.7K

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

$62.3 ฿2,083

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

$12.11 ฿405

Internet (50+ Mbps, Unlimited Data)

$19.94 ฿666

Gym Membership (Monthly)

$37.07 ฿1,239

Tennis Court (1 Hour on Weekend)

$3.78 ฿126

Cinema Ticket

$6.50 ฿217

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

$793 ฿26.5K

International Primary School, 1 Child (Yearly)

$14.8K ฿494.9K

Jeans (Levis 501 Or Similar)

$53.7 ฿1,796

Summer Dress (H&M, Zara, etc)

$24.62 ฿823

Sport Shoes (Adidas, Nike)

$90.9 ฿3,036

Men's Leather Business Shoes

$71.1 ฿2,378

1-bedroom Apartment, City Center (Monthly)

$455 ฿15.2K

1-bedroom Apartment, Outside City Center (Monthly)

$298 ฿9,954

3-bedroom Apartment, City Center (Monthly)

$908 ฿30.4K

3-bedroom Apartment, Outside City Center (Monthly)

$554 ฿18.5K

Buy Apartment in City Center (m2)

$1,931 ฿64.5K

Buy Apartment Outside City Center (m2)

$1,445 ฿48.3K

Average Monthly Net Salary (After Tax)

$591 ฿19.7K

20-Year Fixed Mortgage Interest Rate (Annual %)

5.57

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

Last update for Chiang Mai: October 17, 2026

Last update for Zimba: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Chiang Mai

$298 32.2%

Zimba

–

Groceries & Markets

Chiang Mai

$235 25.5%

Zimba

–

Clothing & Footwear

Chiang Mai

$108 11.7%

Zimba

–

Monthly Utilities & Internet

Chiang Mai

$94 10.2%

Zimba

–

Eating Out

Chiang Mai

$79 8.5%

Zimba

–

Getting Around

Chiang Mai

$61 6.6%

Zimba

–

Sport & Entertainment

Chiang Mai

$50 5.4%

Zimba

–

Good to know

🇹🇭 Chiang Mai

🇿🇲 Zimba

🕒 Local time

19:34 7:34 PM

14:34 2:34 PM

5 h behind Chiang Mai

🌤 Weather

👥 Population

127,240

💱 Currency

Thai Baht THB ฿

Zambian Kwacha ZMW ZK

📈 Exchange rate

100 THB = 2.99 USD

100 THB = 2.66 EUR

100 ZMW = 5.03 USD

100 ZMW = 4.47 EUR

Exchange rates and currency converter

ZMW, USD, EUR to THB – Thai Baht Converter

🇺🇸 United States Dollar ($)

🇹🇭 Thai Baht (฿)

Thai Baht exchange rates as of October 20, 2026: 1 USD = 33.42 THB (100 THB = 2.99 USD). 1 EUR = 37.57 THB (100 THB = 2.66 EUR).

Zambian Kwacha exchange rates as of October 20, 2026: 1 USD = 19.89 ZMW (100 ZMW = 5.03 USD). 1 EUR = 22.36 ZMW (100 ZMW = 4.47 EUR).

USD to THB in detail →

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Chiang Mai Zimba 8,910 km ≈ 12 h nonstop flight

From you

Chiang Mai
Zimba

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 Zimba: Cost of Living - Frequently Asked Questions

Chiang Mai costs about 608% more than Zimba, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,388 per month in Chiang Mai and $196 in Zimba. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Monthly expenses with rent come to $925 in Chiang Mai and $131 in Zimba. That's a gap of about 608%.

Groceries cost about 150% 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.

A $1,000 monthly budget goes further in Zimba, where all-in costs run around $131, than in Chiang Mai at $925. In Zimba it covers expenses comfortably, while in Chiang Mai it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Zimba costs $131 versus $925 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 Zimba. 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.