Last update: Oct 2026

Cost of Living Comparison Between Panaji and Chiang Mai

Name: Chiang Mai
Address: Chiang Mai, TH

For one person, living is cheaper in Panaji: $435 a month against $938 in Chiang Mai, rent and utilities included – about $6,000 less a year. Other living expenses account for most of the difference.

21

Cost of Living Index in Panaji
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Panaji Living Index
45

Cost of Living Index in Chiang Mai
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Chiang Mai Living Index

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Panaji

🇮🇳 India

$435

/mo nomad

Chiang Mai

🇹🇭 Thailand

$938

/mo nomad

Monthly Cost of Living

How much you'll spend in Panaji 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 Panaji and in Chiang Mai actually costs, broken down by who's living it.

A single person spends $435 per month in Panaji vs $938 in Chiang Mai, rent included.

Panaji $435
Chiang Mai $938

A couple spends around $691 per month in Panaji vs $1,426 in Chiang Mai, rent included.

Panaji $691
Chiang Mai $1,426

A family of three spends $948 per month in Panaji vs $1,914 in Chiang Mai, rent included.

Panaji $948
Chiang Mai $1,914

Panaji is about 54% cheaper than Chiang Mai, and outside of rent the biggest gap is in groceries.

Both Panaji and Chiang Mai are more affordable than the global median – Panaji 68% lower, Chiang Mai 30% lower.

Meal at Budget Restaurant

$2.56 ₹243

$2.26 ฿75.4

13.27%

Three-Course Dinner for Two, Mid-Range

$15.63 ₹1,484

$19.18 ฿641

-18.51%

Fast Food Meal (McDonalds, etc)

$3.61 ₹342

$5.59 ฿187

-35.42%

Cappuccino

$1.68 ₹160

$1.72 ฿57.6

-2.33%

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

$0.42 ₹39.92

$0.64 ฿21.54

-34.38%

Water (0.33 liter bottle)

$0.16 ₹15.46

$0.33 ฿11.18

-51.52%

Local Beer (0.5 liter draught)

$1.08 ₹102

$2.36 ฿78.7

-54.24%

Imported Beer (0.33 liter bottle)

$1.78 ₹169

$3.90 ฿130

-54.36%

Milk (1 liter)

$0.72 ₹68.8

$2.05 ฿68.6

-64.88%

White Bread (500g)

$0.52 ₹49.77

$1.40 ฿46.70

-62.86%

Rice (white) (1kg)

$0.75 ₹71.3

$1.28 ฿42.89

-41.41%

Eggs

$0.88 ₹83.9

$2.25 ฿75.3

-60.89%

Local Cheese (1kg)

$7.42 ₹705

$16.94 ฿566

-56.20%

Chicken Fillets (1kg)

$3.51 ₹334

$2.74 ฿91.6

28.10%

Beef Round Steak (1kg)

$9.36 ฿313

Apples (1kg)

$2.38 ₹226

$2.40 ฿80.3

-0.83%

Banana (1kg)

$0.82 ₹77.6

$1.01 ฿33.92

-18.81%

Oranges (1kg)

$1.31 ₹124

$1.61 ฿53.9

-18.63%

Tomato (1kg)

$0.40 ₹37.88

$1.52 ฿50.7

-73.68%

Potato (1kg)

$0.38 ₹36.50

$1.28 ฿42.90

-70.31%

Onion (1kg)

$0.42 ₹39.58

$1.11 ฿37.22

-62.16%

Lettuce (1 head)

$0.81 ₹76.6

$0.72 ฿24.09

12.50%

Water (1.5 liter bottle)

$0.34 ₹32.09

$0.52 ฿17.54

-34.62%

Cigarettes 20 Pack (Marlboro, Camel)

$3.86 ₹366

$4.33 ฿145

-10.85%

Wine (Bottle)

$7.79 ₹740

$17.73 ฿593

-56.06%

Local Beer (0.5 liter bottle)

$0.97 ₹91.9

$1.63 ฿54.4

-40.49%

Imported Beer (0.33 liter bottle)

$3.11 ₹295

$2.85 ฿95.3

9.12%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$4.44 ₹422

One-way Ticket (Public Transport)

$0.16 ₹15.66

$0.85 ฿28.31

-81.18%

Public Transport Monthly Pass (Regular Price)

$6.43 ₹610

$53.9 ฿1,801

-88.07%

Taxi Start (Normal Tariff)

$0.30 ₹28.26

$1.17 ฿39.18

-74.36%

Taxi (Normal Tariff) (1km)

$0.50 ₹47.13

$0.57 ฿19.00

-12.28%

Taxi 1hour Waiting (Normal Tariff)

$2.12 ₹202

$2.37 ฿79.2

-10.55%

Gasoline (1 liter)

$1.04 ₹98.3

$1.45 ฿48.32

-28.28%

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

$16.8K ₹1.6M

$20.5K ฿684.3K

-17.79%

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

$25.2K ₹2.4M

$26.5K ฿886.1K

-5.10%

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

$20.79 ₹1,974

$62.3 ฿2,083

-66.65%

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

$3.47 ₹330

$12.27 ฿410

-71.72%

Internet (50+ Mbps, Unlimited Data)

$8.98 ₹853

$19.97 ฿668

-55.03%

Gym Membership (Monthly)

$27.58 ₹2,619

$37.91 ฿1,267

-27.25%

Tennis Court (1 Hour on Weekend)

$3.23 ₹307

$3.76 ฿126

-14.10%

Cinema Ticket

$2.95 ₹280

$6.71 ฿224

-56.04%

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

$54.2 ₹5,144

$797 ฿26.6K

-93.20%

International Primary School, 1 Child (Yearly)

$1,415 ₹134.4K

$14.8K ฿495.7K

-90.46%

Jeans (Levis 501 Or Similar)

$35.85 ₹3,405

$53.3 ฿1,780

-32.68%

Summer Dress (H&M, Zara, etc)

$26.15 ₹2,483

$25.05 ฿837

4.39%

Sport Shoes (Adidas, Nike)

$20.61 ₹1,957

$91.6 ฿3,062

-77.50%

Men's Leather Business Shoes

$15.39 ₹1,462

$73.5 ฿2,455

-79.05%

1-bedroom Apartment, City Center (Monthly)

$176 ₹16.7K

$464 ฿15.5K

-62.08%

1-bedroom Apartment, Outside City Center (Monthly)

$132 ₹12.6K

$305 ฿10.2K

-56.54%

3-bedroom Apartment, City Center (Monthly)

$353 ₹33.6K

$915 ฿30.6K

-61.39%

3-bedroom Apartment, Outside City Center (Monthly)

$259 ₹24.6K

$552 ฿18.5K

-53.10%

Buy Apartment in City Center (m2)

$896 ₹85.1K

$1,912 ฿63.9K

-53.11%

Buy Apartment Outside City Center (m2)

$687 ₹65.2K

$1,438 ฿48.1K

-52.26%

Average Monthly Net Salary (After Tax)

$187 ₹17.8K

$595 ฿19.9K

-68.59%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.74

5.57

74.87%

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

Last update for Panaji: October 11, 2026

Last update for Chiang Mai: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Panaji

$132 30.5%

Chiang Mai

$305 32.5% 130% $172

Groceries & Markets

Panaji

$119 27.3%

Chiang Mai

$238 25.4% 100% $119

Eating Out

Panaji

$63 14.4%

Chiang Mai

$79 8.4% 25.9% $16

Clothing & Footwear

Panaji

$44 10.2%

Chiang Mai

$110 11.7% 148% $65

Sport & Entertainment

Panaji

$33 7.7%

Chiang Mai

$51 5.5% 53.3% $18

Monthly Utilities & Internet

Panaji

$33 7.7%

Chiang Mai

$95 10.1% 185% $61

Getting Around

Panaji

$9.9 2.3%

Chiang Mai

$61 6.5% 521% $51

Cost Breakdown

A central one-bedroom costs $176 in Panaji versus $464 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 218% higher in Chiang Mai, 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 $16.00 in Panaji versus $19.00 in Chiang Mai. Monthly groceries follow the same trend: $119 vs $238 – making Panaji the more affordable choice for daily food spending.

Good to know

🇮🇳 Panaji

🇹🇭 Chiang Mai

🕒 Local time

19:27 7:27 PM

20:57 8:57 PM

1 h 30 min ahead of Panaji

🌤 Weather

👥 Population

114,759

127,240

💱 Currency

Indian Rupee INR ₹

Thai Baht THB ฿

📈 Exchange rate

1,000 INR = 10.53 USD

1,000 INR = 9.37 EUR

100 THB = 2.99 USD

100 THB = 2.66 EUR

Exchange rates and currency converter

THB, USD, EUR to INR – Indian Rupee Converter

🇺🇸 United States Dollar ($)

🇮🇳 Indian Rupee (₹)

Indian Rupee exchange rates as of October 17, 2026: 1 USD = 94.96 INR (100 INR = 1.05 USD). 1 EUR = 107 INR (1,000 INR = 9.37 EUR).

Thai Baht exchange rates as of October 17, 2026: 1 USD = 33.42 THB (100 THB = 2.99 USD). 1 EUR = 37.58 THB (100 THB = 2.66 EUR).

USD to INR in detail →

On the map

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Highest

Between locations

Panaji Chiang Mai 2,700 km ≈ 3 h 45 min nonstop flight

From you

Panaji
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

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

Chiang Mai costs about 116% more than Panaji, 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 $652 per month in Panaji and $1,408 in Chiang Mai. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Panaji, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $54.2 per month in Panaji and $797 in Chiang Mai. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 100% 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 $1,500 monthly budget goes further in Panaji, where all-in costs run around $435, than in Chiang Mai at $938. In Panaji 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. Panaji costs $435 versus $938 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 Panaji. 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.