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

Monthly Cost of Living

A single person spends $1,240 per month in Tarnow vs $861 in Chiang Mai, rent included.

A couple spends around $1,691 per month in Tarnow vs $1,350 in Chiang Mai, rent included.

A family of three spends $2,142 per month in Tarnow vs $1,838 in Chiang Mai, rent included.

Tarnow costs about 44% more than Chiang Mai, driven mainly by Eating Out.

Both Tarnow and Chiang Mai are more affordable than the global median – Tarnow 7% lower, Chiang Mai 36% lower.

Meal at Budget Restaurant

$9.65 zł 36.60

$1.96 ฿65.8

392.35%

Three-Course Dinner for Two, Mid-Range

$26.76 zł 102

$18.35 ฿617

45.83%

Fast Food Meal (McDonalds, etc)

$6.78 zł 25.74

$7.48 ฿252

-9.36%

Cappuccino

$2.76 zł 10.47

$2.02 ฿67.8

36.63%

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

$2.15 zł 8.15

$0.85 ฿28.50

152.94%

Water (0.33 liter bottle)

$1.35 zł 5.12

$0.36 ฿11.96

275.00%

Local Beer (0.5 liter draught)

$2.96 zł 11.25

$2.14 ฿71.8

38.32%

Imported Beer (0.33 liter bottle)

$3.76 zł 14.28

$3.59 ฿121

4.74%

Milk (1 liter)

$1.00 zł 3.80

$1.65 ฿55.5

-39.39%

White Bread (500g)

$1.19 zł 4.50

$1.57 ฿52.7

-24.20%

Rice (white) (1kg)

$1.33 zł 5.04

$1.19 ฿40.02

11.76%

Eggs

$2.62 zł 9.94

$1.94 ฿65.1

35.05%

Local Cheese (1kg)

$7.73 zł 29.33

$16.19 ฿544

-52.25%

Chicken Fillets (1kg)

$6.56 zł 24.90

$2.99 ฿101

119.40%

Beef Round Steak (1kg)

$9.60 zł 36.41

$10.94 ฿368

-12.25%

Apples (1kg)

$0.85 zł 3.22

$2.71 ฿91.2

-68.63%

Banana (1kg)

$1.56 zł 5.93

$1.17 ฿39.25

33.33%

Oranges (1kg)

$1.38 zł 5.23

$1.69 ฿56.7

-18.34%

Tomato (1kg)

$2.14 zł 8.10

$1.60 ฿54.0

33.75%

Potato (1kg)

$0.78 zł 2.94

$1.38 ฿46.54

-43.48%

Onion (1kg)

$1.08 zł 4.09

$1.20 ฿40.45

-10.00%

Lettuce (1 head)

$1.10 zł 4.18

$0.67 ฿22.50

64.18%

Water (1.5 liter bottle)

$0.60 zł 2.29

$0.56 ฿18.73

7.14%

Cigarettes 20 Pack (Marlboro, Camel)

$4.48 zł 16.99

$4.64 ฿156

-3.45%

Wine (Bottle)

$7.27 zł 27.59

$17.62 ฿593

-58.74%

Local Beer (0.5 liter bottle)

$0.96 zł 3.66

$1.86 ฿62.5

-48.39%

Imported Beer (0.33 liter bottle)

$1.47 zł 5.59

$3.30 ฿111

-55.45%

One-way Ticket (Public Transport)

$1.07 zł 4.06

$0.88 ฿29.68

21.59%

Public Transport Monthly Pass (Regular Price)

$32.96 zł 125

$19.34 ฿650

70.42%

Taxi Start (Normal Tariff)

$1.35 zł 5.11

$1.36 ฿45.90

-0.74%

Taxi (Normal Tariff) (1km)

$0.49 zł 1.85

$1.34 ฿44.98

-63.43%

Taxi 1hour Waiting (Normal Tariff)

$13.72 zł 52.1

$8.21 ฿276

67.11%

Gasoline (1 liter)

$1.69 zł 6.41

$1.22 ฿41.18

38.52%

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

$33.3K zł 126.3K

$21.4K ฿718.1K

55.83%

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

$24.5K zł 92.8K

$22.5K ฿757.7K

8.60%

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

$259 zł 983

$70.7 ฿2,376

266.44%

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

$7.50 zł 28.46

$14.04 ฿472

-46.58%

Internet (50+ Mbps, Unlimited Data)

$15.95 zł 60.5

$17.49 ฿588

-8.81%

Gym Membership (Monthly)

$27.24 zł 103

$42.15 ฿1,417

-35.37%

Tennis Court (1 Hour on Weekend)

$12.11 zł 45.94

$6.88 ฿231

76.02%

Cinema Ticket

$4.90 zł 18.59

$5.92 ฿199

-17.23%

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

$327 zł 1,240

$309 ฿10.4K

5.93%

International Primary School, 1 Child (Yearly)

$4,707 zł 17.9K

$14.9K ฿500.4K

-68.36%

Jeans (Levis 501 Or Similar)

$84.7 zł 321

$55.8 ฿1,875

51.92%

Summer Dress (H&M, Zara, etc)

$27.01 zł 102

$26.11 ฿878

3.45%

Sport Shoes (Adidas, Nike)

$81.6 zł 310

$83.0 ฿2,792

-1.69%

Men's Leather Business Shoes

$119 zł 453

$70.5 ฿2,369

69.58%

1-bedroom Apartment, City Center (Monthly)

$456 zł 1,732

$432 ฿14.5K

5.63%

1-bedroom Apartment, Outside City Center (Monthly)

$367 zł 1,394

$239 ฿8,035

53.78%

3-bedroom Apartment, City Center (Monthly)

$659 zł 2,499

$822 ฿27.7K

-19.89%

3-bedroom Apartment, Outside City Center (Monthly)

$486 zł 1,845

$512 ฿17.2K

-5.03%

Buy Apartment in City Center (m2)

$2,727 zł 10.3K

$1,915 ฿64.4K

42.41%

Buy Apartment Outside City Center (m2)

$1,810 zł 6,867

$1,467 ฿49.3K

23.35%

Average Monthly Net Salary (After Tax)

$1,027 zł 3,896

$579 ฿19.5K

77.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.28

25.60%

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

Last update for Tarnow: July 12, 2026

Last update for Chiang Mai: July 12, 2026

Cost Breakdown

A central one-bedroom costs $456 in Tarnow versus $432 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 77% higher in Tarnow, 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 $27.00 in Tarnow versus $18.00 in Chiang Mai. Groceries tell a different story – $191 in Tarnow vs $243 in Chiang Mai – so Tarnow 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

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

Tarnow costs about 44% 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 $1,859 per month in Tarnow and $1,292 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 $327 per month in Tarnow and $309 in Chiang Mai. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Interestingly, groceries are about 28% cheaper in Tarnow – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

$800 covers both cities comfortably – all-in costs are $1,240 in Tarnow and $861 in Chiang Mai, leaving budget for savings and extras in both cases.

For digital nomads, it depends on budget. Chiang Mai costs $861 versus $1,240 in Tarnow. 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, Tarnow makes more sense. Both are solid long-term options with distinct trade-offs.