Cost of Living Comparison Between San Fernando and Chiang Mai Cost of Living Comparison Between San Fernando and Chiang Mai

Monthly Cost of Living

A single person spends $1,198 per month in San Fernando vs $869 in Chiang Mai, rent included.

A couple spends around $1,963 per month in San Fernando vs $1,362 in Chiang Mai, rent included.

A family of three spends $2,727 per month in San Fernando vs $1,855 in Chiang Mai, rent included.

San Fernando costs about 38% more than Chiang Mai, driven mainly by Groceries & Markets.

Both San Fernando and Chiang Mai are more affordable than the global median – San Fernando 11% lower, Chiang Mai 35% lower.

Meal at Budget Restaurant

$10.19 TTD 68.9

$1.98 ฿64.3

414.65%

Three-Course Dinner for Two, Mid-Range

$59.3 TTD 401

$18.80 ฿612

215.16%

Fast Food Meal (McDonalds, etc)

$7.36 TTD 49.77

$7.75 ฿252

-5.03%

Cappuccino

$3.55 TTD 24.03

$1.92 ฿62.5

84.90%

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

$1.06 TTD 7.15

$0.79 ฿25.79

34.18%

Water (0.33 liter bottle)

$0.75 TTD 5.06

$0.36 ฿11.62

108.33%

Local Beer (0.5 liter draught)

$1.89 TTD 12.77

$2.21 ฿72.1

-14.48%

Imported Beer (0.33 liter bottle)

$2.46 TTD 16.63

$3.66 ฿119

-32.79%

Milk (1 liter)

$2.07 TTD 14.01

$1.65 ฿53.8

25.45%

White Bread (500g)

$2.34 TTD 15.81

$1.63 ฿53.2

43.56%

Rice (white) (1kg)

$2.63 TTD 17.77

$1.19 ฿38.86

121.01%

Eggs

$3.77 TTD 25.47

$2.00 ฿65.1

88.50%

Local Cheese (1kg)

$7.96 TTD 53.8

$15.98 ฿520

-50.19%

Chicken Fillets (1kg)

$10.53 TTD 71.2

$3.03 ฿98.5

247.52%

Beef Round Steak (1kg)

$8.52 TTD 57.6

$10.86 ฿354

-21.55%

Apples (1kg)

$5.96 TTD 40.27

$2.76 ฿90.0

115.94%

Banana (1kg)

$2.58 TTD 17.48

$1.18 ฿38.42

118.64%

Oranges (1kg)

$4.32 TTD 29.23

$1.64 ฿53.5

163.41%

Tomato (1kg)

$4.74 TTD 32.05

$1.52 ฿49.51

211.84%

Potato (1kg)

$1.23 TTD 8.30

$1.38 ฿45.10

-10.87%

Onion (1kg)

$0.73 TTD 4.92

$1.19 ฿38.84

-38.66%

Lettuce (1 head)

$1.46 TTD 9.84

$0.70 ฿22.86

108.57%

Water (1.5 liter bottle)

$1.21 TTD 8.16

$0.56 ฿18.13

116.07%

Cigarettes 20 Pack (Marlboro, Camel)

$5.69 TTD 38.45

$4.58 ฿149

24.24%

Wine (Bottle)

$17.94 TTD 121

$16.56 ฿539

8.33%

Local Beer (0.5 liter bottle)

$1.54 TTD 10.41

$1.83 ฿59.5

-15.85%

Imported Beer (0.33 liter bottle)

$2.82 TTD 19.06

$3.20 ฿104

-11.88%

One-way Ticket (Public Transport)

$0.42 TTD 2.86

$0.88 ฿28.56

-52.27%

Public Transport Monthly Pass (Regular Price)

$43.75 TTD 296

$18.72 ฿610

133.71%

Taxi Start (Normal Tariff)

$0.86 TTD 5.79

$1.36 ฿44.16

-36.76%

Taxi (Normal Tariff) (1km)

$0.91 TTD 6.16

$1.34 ฿43.65

-32.09%

Taxi 1hour Waiting (Normal Tariff)

$14.70 TTD 99.4

$7.84 ฿256

87.50%

Gasoline (1 liter)

$1.03 TTD 6.98

$1.23 ฿39.92

-16.26%

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

$33.8K TTD 228.2K

$21.6K ฿704.3K

56.11%

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

$38.4K TTD 259.8K

$22.5K ฿734.3K

70.44%

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

$44.62 TTD 302

$70.5 ฿2,298

-36.75%

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

$41.80 TTD 283

$13.68 ฿445

205.56%

Internet (50+ Mbps, Unlimited Data)

$45.79 TTD 310

$17.45 ฿568

162.41%

Gym Membership (Monthly)

$45.66 TTD 309

$41.33 ฿1,346

10.48%

Tennis Court (1 Hour on Weekend)

$8.95 TTD 60.5

$6.96 ฿227

28.59%

Cinema Ticket

$9.01 TTD 60.9

$5.77 ฿188

56.15%

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

$324 TTD 2,190

$307 ฿10.0K

5.47%

International Primary School, 1 Child (Yearly)

$2,257 TTD 15.3K

$14.6K ฿475.9K

-84.55%

Jeans (Levis 501 Or Similar)

$44.69 TTD 302

$55.8 ฿1,817

-19.90%

Summer Dress (H&M, Zara, etc)

$36.57 TTD 247

$26.21 ฿854

39.53%

Sport Shoes (Adidas, Nike)

$89.0 TTD 602

$85.8 ฿2,793

3.78%

Men's Leather Business Shoes

$87.7 TTD 593

$72.2 ฿2,353

21.44%

1-bedroom Apartment, City Center (Monthly)

$550 TTD 3,720

$430 ฿14.0K

28.05%

1-bedroom Apartment, Outside City Center (Monthly)

$341 TTD 2,302

$239 ฿7,774

42.68%

3-bedroom Apartment, City Center (Monthly)

$952 TTD 6,436

$817 ฿26.6K

16.47%

3-bedroom Apartment, Outside City Center (Monthly)

$697 TTD 4,714

$511 ฿16.6K

36.53%

Buy Apartment in City Center (m2)

$2,003 TTD 13.5K

$1,983 ฿64.6K

1.00%

Buy Apartment Outside City Center (m2)

$1,489 TTD 10.1K

$1,484 ฿48.3K

0.34%

Average Monthly Net Salary (After Tax)

$1,031 TTD 6,971

$619 ฿20.2K

66.63%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.38

7.60%

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

Last update for San Fernando: June 9, 2026

Last update for Chiang Mai: June 7, 2026

Cost Breakdown

A central one-bedroom costs $550 in San Fernando versus $430 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 67% higher in San Fernando, 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 $59.0 in San Fernando versus $19.00 in Chiang Mai. Monthly groceries follow the same trend: $333 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

San Fernando vs Chiang Mai: Cost of Living - Frequently Asked Questions

San Fernando costs about 38% more than Chiang Mai, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,797 per month in San Fernando and $1,303 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 $324 per month in San Fernando and $307 in Chiang Mai. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 38% more in San Fernando, 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 $869, than in San Fernando at $1,198. In Chiang Mai it covers expenses comfortably, while in San Fernando it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Chiang Mai costs $869 versus $1,198 in San Fernando. 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, San Fernando makes more sense. Both are solid long-term options with distinct trade-offs.