Cost of Living Comparison Between St Francis Bay and Chiang Mai Cost of Living Comparison Between St Francis Bay and Chiang Mai

Monthly Cost of Living

A single person spends $1,052 per month in St Francis Bay vs $932 in Chiang Mai, rent included.

A couple spends around $1,736 per month in St Francis Bay vs $1,399 in Chiang Mai, rent included.

A family of three spends $2,421 per month in St Francis Bay vs $1,866 in Chiang Mai, rent included.

St Francis Bay costs about 13% more than Chiang Mai, driven mainly by Eating Out.

Both St Francis Bay and Chiang Mai are more affordable than the global median – St Francis Bay 23% lower, Chiang Mai 32% lower.

Meal at Budget Restaurant

$11.21 R 182

$2.08 ฿69.3

438.94%

Three-Course Dinner for Two, Mid-Range

$43.44 R 706

$19.61 ฿653

121.52%

Fast Food Meal (McDonalds, etc)

$3.69 R 59.9

$5.67 ฿189

-34.92%

Cappuccino

$2.13 R 34.63

$1.81 ฿60.1

17.68%

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

$1.10 R 17.81

$0.77 ฿25.58

42.86%

Water (0.33 liter bottle)

$0.79 R 12.85

$0.35 ฿11.49

125.71%

Local Beer (0.5 liter draught)

$2.14 R 34.83

$2.21 ฿73.7

-3.17%

Imported Beer (0.33 liter bottle)

$1.86 R 30.23

$3.79 ฿126

-50.92%

Milk (1 liter)

$0.92 R 14.88

$2.05 ฿68.2

-55.12%

White Bread (500g)

$1.08 R 17.56

$1.51 ฿50.4

-28.48%

Rice (white) (1kg)

$1.55 R 25.21

$1.40 ฿46.57

10.71%

Eggs

$2.87 R 46.62

$2.26 ฿75.2

26.99%

Local Cheese (1kg)

$7.56 R 123

$16.19 ฿539

-53.30%

Chicken Fillets (1kg)

$5.49 R 89.1

$2.90 ฿96.4

89.31%

Beef Round Steak (1kg)

$8.90 R 145

$9.42 ฿314

-5.52%

Apples (1kg)

$2.19 R 35.58

$2.68 ฿89.2

-18.28%

Banana (1kg)

$1.60 R 26.03

$1.09 ฿36.28

46.79%

Oranges (1kg)

$1.74 R 28.34

$1.62 ฿53.8

7.41%

Tomato (1kg)

$1.80 R 29.24

$1.46 ฿48.61

23.29%

Potato (1kg)

$1.74 R 28.21

$1.28 ฿42.54

35.94%

Onion (1kg)

$1.44 R 23.35

$1.06 ฿35.21

35.85%

Lettuce (1 head)

$1.30 R 21.08

$0.72 ฿23.88

80.56%

Water (1.5 liter bottle)

$1.01 R 16.42

$0.53 ฿17.51

90.57%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 R 53.2

$4.23 ฿141

-22.46%

Wine (Bottle)

$5.04 R 81.8

$18.29 ฿609

-72.44%

Local Beer (0.5 liter bottle)

$1.27 R 20.70

$1.63 ฿54.3

-22.09%

Imported Beer (0.33 liter bottle)

$1.81 R 29.47

$2.90 ฿96.6

-37.59%

One-way Ticket (Public Transport)

$1.59 R 25.79

$0.88 ฿29.24

80.68%

Public Transport Monthly Pass (Regular Price)

$53.8 ฿1,790

Taxi Start (Normal Tariff)

$0.61 R 9.88

$1.17 ฿39.04

-47.86%

Taxi (Normal Tariff) (1km)

$0.51 R 8.33

$0.58 ฿19.25

-12.07%

Taxi 1hour Waiting (Normal Tariff)

$8.50 R 138

$2.39 ฿79.4

255.65%

Gasoline (1 liter)

$1.36 R 22.15

$1.45 ฿48.28

-6.21%

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

$21.1K R 342.6K

$21.0K ฿699.5K

0.37%

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

$35.1K R 570.9K

$26.4K ฿879.7K

32.99%

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

$62.8 R 1,021

$63.7 ฿2,119

-1.30%

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

$35.85 R 582

$12.89 ฿429

178.12%

Internet (50+ Mbps, Unlimited Data)

$44.63 R 725

$20.52 ฿683

117.50%

Gym Membership (Monthly)

$33.06 R 537

$39.02 ฿1,299

-15.27%

Tennis Court (1 Hour on Weekend)

$12.37 R 201

$3.92 ฿130

215.56%

Cinema Ticket

$9.20 R 149

$6.58 ฿219

39.82%

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

$183 R 2,972

$784 ฿26.1K

-76.67%

International Primary School, 1 Child (Yearly)

$6,461 R 105.0K

$14.7K ฿488.4K

-55.96%

Jeans (Levis 501 Or Similar)

$73.2 R 1,189

$55.1 ฿1,835

32.75%

Summer Dress (H&M, Zara, etc)

$38.76 R 630

$24.74 ฿824

56.67%

Sport Shoes (Adidas, Nike)

$117 R 1,893

$94.1 ฿3,133

23.81%

Men's Leather Business Shoes

$98.1 R 1,593

$74.0 ฿2,462

32.59%

1-bedroom Apartment, City Center (Monthly)

$434 R 7,054

$490 ฿16.3K

-11.46%

1-bedroom Apartment, Outside City Center (Monthly)

$368 R 5,982

$288 ฿9,594

27.76%

3-bedroom Apartment, City Center (Monthly)

$815 R 13.2K

$891 ฿29.7K

-8.55%

3-bedroom Apartment, Outside City Center (Monthly)

$788 R 12.8K

$521 ฿17.3K

51.25%

Buy Apartment in City Center (m2)

$909 R 14.8K

$1,974 ฿65.7K

-53.93%

Buy Apartment Outside City Center (m2)

$696 R 11.3K

$1,444 ฿48.1K

-51.78%

Average Monthly Net Salary (After Tax)

$602 ฿20.0K

20-Year Fixed Mortgage Interest Rate (Annual %)

11.94

5.57

114.36%

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

Last update for St Francis Bay: September 13, 2026

Last update for Chiang Mai: September 13, 2026

Cost Breakdown

A central one-bedroom costs $434 in St Francis Bay 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.

A mid-range dinner for two costs $43.00 in St Francis Bay versus $20.00 in Chiang Mai. Groceries tell a different story – $196 in St Francis Bay vs $241 in Chiang Mai – so St Francis Bay wins on supermarket bills even if dining out costs more.

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

St Francis Bay vs Chiang Mai: Cost of Living - Frequently Asked Questions

St Francis Bay costs about 13% 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 $1,578 per month in St Francis Bay 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.

A mid-range dinner for two costs $43.00 in St Francis Bay and $20.00 in Chiang Mai. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 23% cheaper in St Francis Bay – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A $1,000 monthly budget goes further in Chiang Mai, where all-in costs run around $932, than in St Francis Bay at $1,052. In Chiang Mai it covers expenses comfortably, while in St Francis Bay it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Chiang Mai costs $932 versus $1,052 in St Francis Bay. 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, St Francis Bay makes more sense. Both are solid long-term options with distinct trade-offs.