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

Monthly Cost of Living

A single person spends $1,864 per month in Kajaani vs $932 in Chiang Mai, rent included.

A couple spends around $2,793 per month in Kajaani vs $1,399 in Chiang Mai, rent included.

A family of three spends $3,721 per month in Kajaani vs $1,866 in Chiang Mai, rent included.

Kajaani costs about 100% more than Chiang Mai, driven mainly by Eating Out.

Kajaani sits 36% above the global median, while Chiang Mai is 32% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$17.24 €14.94

$2.08 ฿69.3

728.85%

Three-Course Dinner for Two, Mid-Range

$67.6 €58.6

$19.61 ฿653

244.62%

Fast Food Meal (McDonalds, etc)

$10.63 €9.21

$5.67 ฿189

87.48%

Cappuccino

$4.56 €3.95

$1.81 ฿60.1

151.93%

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

$2.46 €2.13

$0.77 ฿25.56

219.48%

Water (0.33 liter bottle)

$1.77 €1.53

$0.35 ฿11.49

405.71%

Local Beer (0.5 liter draught)

$8.64 €7.49

$2.21 ฿73.7

290.95%

Imported Beer (0.33 liter bottle)

$7.56 €6.55

$3.79 ฿126

99.47%

Milk (1 liter)

$1.47 €1.28

$2.05 ฿68.1

-28.29%

White Bread (500g)

$2.63 €2.28

$1.51 ฿50.4

74.17%

Rice (white) (1kg)

$2.36 €2.05

$1.40 ฿46.54

68.57%

Eggs

$2.84 €2.46

$2.26 ฿75.1

25.66%

Local Cheese (1kg)

$8.71 €7.54

$16.19 ฿539

-46.20%

Chicken Fillets (1kg)

$12.26 €10.63

$2.90 ฿96.4

322.76%

Beef Round Steak (1kg)

$24.08 €20.87

$9.42 ฿313

155.63%

Apples (1kg)

$2.61 €2.26

$2.68 ฿89.1

-2.61%

Banana (1kg)

$2.23 €1.93

$1.09 ฿36.25

104.59%

Oranges (1kg)

$2.43 €2.11

$1.62 ฿53.8

50.00%

Tomato (1kg)

$3.95 €3.42

$1.46 ฿48.58

170.55%

Potato (1kg)

$1.55 €1.35

$1.28 ฿42.51

21.09%

Onion (1kg)

$2.22 €1.93

$1.06 ฿35.19

109.43%

Lettuce (1 head)

$1.56 €1.35

$0.72 ฿23.86

116.67%

Water (1.5 liter bottle)

$1.87 €1.62

$0.53 ฿17.50

252.83%

Cigarettes 20 Pack (Marlboro, Camel)

$13.84 €11.99

$4.23 ฿141

227.19%

Wine (Bottle)

$13.67 €11.85

$18.29 ฿609

-25.26%

Local Beer (0.5 liter bottle)

$3.28 €2.84

$1.63 ฿54.2

101.23%

Imported Beer (0.33 liter bottle)

$3.48 €3.02

$2.90 ฿96.5

20.00%

One-way Ticket (Public Transport)

$3.42 €2.96

$0.88 ฿29.22

288.64%

Public Transport Monthly Pass (Regular Price)

$66.5 €57.7

$53.8 ฿1,789

23.75%

Taxi Start (Normal Tariff)

$8.83 €7.65

$1.17 ฿39.02

654.70%

Taxi (Normal Tariff) (1km)

$1.42 €1.23

$0.58 ฿19.24

144.83%

Taxi 1hour Waiting (Normal Tariff)

$68.5 €59.4

$2.39 ฿79.4

2766.95%

Gasoline (1 liter)

$2.31 €2.00

$1.45 ฿48.25

59.31%

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

$38.3K €33.2K

$21.0K ฿699.1K

82.09%

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

$37.1K €32.2K

$26.4K ฿879.1K

40.45%

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

$144 €125

$63.7 ฿2,118

126.99%

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

$30.31 €26.27

$12.89 ฿429

135.14%

Internet (50+ Mbps, Unlimited Data)

$22.35 €19.37

$20.52 ฿683

8.92%

Gym Membership (Monthly)

$45.77 €39.67

$39.02 ฿1,298

17.30%

Tennis Court (1 Hour on Weekend)

$23.22 €20.12

$3.92 ฿130

492.35%

Cinema Ticket

$19.92 €17.26

$6.58 ฿219

202.74%

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

$314 €272

$784 ฿26.1K

-59.99%

International Primary School, 1 Child (Yearly)

$12.4K €10.8K

$14.7K ฿488.2K

-15.30%

Jeans (Levis 501 Or Similar)

$93.9 €81.3

$55.1 ฿1,834

70.31%

Summer Dress (H&M, Zara, etc)

$28.61 €24.79

$24.74 ฿823

15.64%

Sport Shoes (Adidas, Nike)

$57.5 €49.80

$94.1 ฿3,132

-38.94%

Men's Leather Business Shoes

$134 €116

$74.0 ฿2,461

80.67%

1-bedroom Apartment, City Center (Monthly)

$814 €705

$490 ฿16.3K

65.91%

1-bedroom Apartment, Outside City Center (Monthly)

$657 €570

$288 ฿9,588

128.14%

3-bedroom Apartment, City Center (Monthly)

$1,284 €1,112

$891 ฿29.7K

44.01%

3-bedroom Apartment, Outside City Center (Monthly)

$1,057 €916

$521 ฿17.3K

102.83%

Buy Apartment in City Center (m2)

$4,081 €3,536

$1,974 ฿65.7K

106.76%

Buy Apartment Outside City Center (m2)

$2,055 €1,781

$1,444 ฿48.1K

42.30%

Average Monthly Net Salary (After Tax)

$2,042 €1,770

$602 ฿20.0K

239.47%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.33

5.57

-22.26%

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

Last update for Kajaani: September 13, 2026

Last update for Chiang Mai: September 13, 2026

Cost Breakdown

A central one-bedroom costs $814 in Kajaani versus $490 in Chiang Mai. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 239% higher in Kajaani, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $68.0 in Kajaani versus $20.00 in Chiang Mai. Monthly groceries follow the same trend: $366 vs $241 – making Chiang Mai the more affordable choice for daily food spending.

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

Kajaani vs Chiang Mai: Cost of Living - Frequently Asked Questions

Kajaani costs about 100% 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 $2,796 per month in Kajaani and $1,398 in Chiang Mai. 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 $314 per month in Kajaani and $784 in Chiang Mai. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 52% more in Kajaani, 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 Chiang Mai, where all-in costs run around $932, than in Kajaani at $1,864. In Chiang Mai it covers expenses comfortably, while in Kajaani it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Chiang Mai costs $932 versus $1,864 in Kajaani. 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, Kajaani makes more sense. Both are solid long-term options with distinct trade-offs.