Last update: Oct 2026

Cost of Living Comparison Between Kotor and Chiang Mai

For one person, living is cheaper in Chiang Mai: $936 a month against $1,536 in Kotor, rent and utilities included – about $7,200 less a year. Rent and utilities account for most of the difference.

73

Cost of Living Index in Kotor
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Kotor Living Index
45

Cost of Living Index in Chiang Mai
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Chiang Mai Living Index

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Kotor

🇲🇪 Montenegro

$1,536

/mo nomad

Chiang Mai

🇹🇭 Thailand

$936

/mo nomad

Monthly Cost of Living

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

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Kotor and in Chiang Mai actually costs, broken down by who's living it.

A single person spends $1,536 per month in Kotor vs $936 in Chiang Mai, rent included.

Kotor $1,536
Chiang Mai $936

A couple spends around $2,437 per month in Kotor vs $1,457 in Chiang Mai, rent included.

Kotor $2,437
Chiang Mai $1,457

A family of three spends $3,338 per month in Kotor vs $1,979 in Chiang Mai, rent included.

Kotor $3,338
Chiang Mai $1,979

Kotor costs about 64% more than Chiang Mai, and outside of rent the biggest gap is in eating out.

Kotor sits 13% above the global median, while Chiang Mai is 31% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$11.05 €9.90

$2.24 ฿75.6

393.30%

Three-Course Dinner for Two, Mid-Range

$57.9 €51.9

$19.00 ฿641

204.68%

Fast Food Meal (McDonalds, etc)

$11.11 €9.95

$5.55 ฿187

100.18%

Cappuccino

$3.23 €2.89

$1.67 ฿56.5

93.41%

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

$2.49 €2.23

$0.64 ฿21.55

289.06%

Water (0.33 liter bottle)

$1.58 €1.41

$0.31 ฿10.31

409.68%

Local Beer (0.5 liter draught)

$3.10 €2.78

$2.36 ฿79.6

31.36%

Imported Beer (0.33 liter bottle)

$4.40 €3.94

$3.66 ฿124

20.22%

Milk (1 liter)

$1.26 €1.13

$1.95 ฿65.8

-35.38%

White Bread (500g)

$0.99 €0.89

$1.44 ฿48.48

-31.25%

Rice (white) (1kg)

$1.91 €1.71

$1.33 ฿45.04

43.61%

Eggs

$3.57 €3.20

$2.28 ฿77.1

56.58%

Local Cheese (1kg)

$8.98 €8.05

$16.45 ฿555

-45.41%

Chicken Fillets (1kg)

$8.51 €7.63

$2.78 ฿93.9

206.12%

Beef Round Steak (1kg)

$12.51 €11.21

$9.31 ฿314

34.37%

Apples (1kg)

$1.34 €1.20

$2.35 ฿79.4

-42.98%

Banana (1kg)

$1.72 €1.54

$0.97 ฿32.80

77.32%

Oranges (1kg)

$1.55 €1.39

$1.60 ฿53.9

-3.13%

Tomato (1kg)

$2.42 €2.17

$1.50 ฿50.6

61.33%

Potato (1kg)

$0.93 €0.83

$1.28 ฿43.12

-27.34%

Onion (1kg)

$1.07 €0.96

$1.10 ฿37.19

-2.73%

Lettuce (1 head)

$1.49 €1.34

$0.71 ฿23.82

109.86%

Water (1.5 liter bottle)

$0.80 €0.71

$0.49 ฿16.37

63.27%

Cigarettes 20 Pack (Marlboro, Camel)

$4.43 €3.97

$4.14 ฿140

7.00%

Wine (Bottle)

$8.99 €8.06

$17.52 ฿591

-48.69%

Local Beer (0.5 liter bottle)

$1.09 €0.98

$1.61 ฿54.5

-32.30%

Imported Beer (0.33 liter bottle)

$1.82 €1.63

$2.78 ฿94.0

-34.53%

One-way Ticket (Public Transport)

$1.65 €1.48

$0.87 ฿29.31

89.66%

Public Transport Monthly Pass (Regular Price)

$45.37 €40.65

$54.1 ฿1,826

-16.12%

Taxi Start (Normal Tariff)

$0.77 €0.69

$1.16 ฿39.06

-33.62%

Taxi (Normal Tariff) (1km)

$1.14 €1.02

$0.53 ฿17.80

115.09%

Taxi 1hour Waiting (Normal Tariff)

$11.22 €10.05

$2.42 ฿81.8

363.64%

Gasoline (1 liter)

$1.69 €1.52

$1.45 ฿48.90

16.55%

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

$28.0K €25.0K

$21.1K ฿710.7K

32.73%

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

$23.9K €21.4K

$26.9K ฿909.3K

-11.35%

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

$127 €114

$62.2 ฿2,098

104.99%

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

$16.92 €15.17

$12.17 ฿411

39.03%

Internet (50+ Mbps, Unlimited Data)

$32.06 €28.73

$20.12 ฿679

59.34%

Gym Membership (Monthly)

$44.81 €40.16

$37.31 ฿1,259

20.10%

Tennis Court (1 Hour on Weekend)

$20.22 €18.12

$3.77 ฿127

436.34%

Cinema Ticket

$6.56 €5.88

$6.49 ฿219

1.08%

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

$340 €305

$736 ฿24.8K

-53.82%

International Primary School, 1 Child (Yearly)

$7,381 €6,614

$14.8K ฿498.3K

-50.01%

Jeans (Levis 501 Or Similar)

$85.5 €76.6

$53.4 ฿1,801

60.24%

Summer Dress (H&M, Zara, etc)

$45.22 €40.52

$24.64 ฿831

83.52%

Sport Shoes (Adidas, Nike)

$97.1 €87.0

$91.5 ฿3,087

6.15%

Men's Leather Business Shoes

$104 €93.2

$71.9 ฿2,428

44.59%

1-bedroom Apartment, City Center (Monthly)

$659 €591

$482 ฿16.3K

36.68%

1-bedroom Apartment, Outside City Center (Monthly)

$659 €590

$309 ฿10.4K

113.26%

3-bedroom Apartment, City Center (Monthly)

$1,327 €1,189

$1,006 ฿33.9K

31.94%

3-bedroom Apartment, Outside City Center (Monthly)

$1,321 €1,184

$633 ฿21.4K

108.59%

Buy Apartment in City Center (m2)

$3,931 €3,523

$2,363 ฿79.8K

66.35%

Buy Apartment Outside City Center (m2)

$2,786 €2,496

$1,589 ฿53.6K

75.30%

Average Monthly Net Salary (After Tax)

$933 €836

$590 ฿19.9K

58.16%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.95

5.57

6.82%

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

Last update for Kotor: October 26, 2026

Last update for Chiang Mai: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Kotor

$659 42.9%

Chiang Mai

$309 33% 53.1% $350

Groceries & Markets

Kotor

$234 15.3%

Chiang Mai

$234 25.1% 0% $0.1

Eating Out

Kotor

$201 13.1%

Chiang Mai

$78 8.3% 61.4% $123

Monthly Utilities & Internet

Kotor

$176 11.5%

Chiang Mai

$94 10.1% 46.5% $82

Clothing & Footwear

Kotor

$149 9.7%

Chiang Mai

$109 11.6% 27.3% $41

Getting Around

Kotor

$58 3.8%

Chiang Mai

$61 6.6% 5% $2.9

Sport & Entertainment

Kotor

$58 3.8%

Chiang Mai

$50 5.4% 13.2% $7.6

Cost Breakdown

A central one-bedroom costs $659 in Kotor versus $482 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 58% higher in Kotor, 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 $58 in Kotor versus $19 in Chiang Mai. Groceries tell a different story – $234 in Kotor vs $234 in Chiang Mai – so Kotor wins on supermarket bills even if dining out costs more.

Good to know

🇲🇪 Kotor

🇹🇭 Chiang Mai

🕒 Local time

05:08 5:08 AM

11:08 11:08 AM

6 h ahead of Kotor

🌤 Weather

👥 Population

13,000

127,240

💱 Currency

Euro EUR €

Thai Baht THB ฿

📈 Exchange rate

1 EUR = 1.12 USD

100 THB = 2.96 USD

100 THB = 2.65 EUR

Exchange rates and currency converter

On the map

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Between locations

Kotor Chiang Mai 7,820 km ≈ 10 h nonstop flight

From you

Kotor
Chiang Mai

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

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

Kotor costs about 64% 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 $2,304 per month in Kotor and $1,403 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: a one-bedroom in the center costs $482 there versus $659 in Kotor.

A mid-range dinner for two costs $58 in Kotor and $19 in Chiang Mai. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Public transport costs about 16% less in Kotor. For daily commuters, that gap adds up to noticeable savings over a year.

$800 is a stretch for both – monthly costs hit $1,536 in Kotor and $936 in Chiang Mai. You’ll need shared housing and careful budgeting no matter which city you pick.

For digital nomads, it depends on budget. Chiang Mai costs $936 versus $1,536 in Kotor. Both appeal to remote workers, and the cost gap matters when income varies month to month.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

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