Last update: Oct 2026

Cost of Living Comparison Between Tarnow and Chiang Mai

For one person, living is cheaper in Chiang Mai: $925 a month against $1,182 in Tarnow, rent and utilities included – about $3,100 less a year. Rent and utilities account for most of the difference.

57

Cost of Living Index in Tarnow
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Tarnow Living Index
45

Cost of Living Index in Chiang Mai
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Chiang Mai Living Index

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Tarnow

🇵🇱 Poland

$1,182

/mo nomad

Chiang Mai

🇹🇭 Thailand

$925

/mo nomad

Monthly Cost of Living

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

A single person spends $1,182 per month in Tarnow vs $925 in Chiang Mai, rent included.

Tarnow $1,182
Chiang Mai $925

A couple spends around $1,638 per month in Tarnow vs $1,414 in Chiang Mai, rent included.

Tarnow $1,638
Chiang Mai $1,414

A family of three spends $2,093 per month in Tarnow vs $1,903 in Chiang Mai, rent included.

Tarnow $2,093
Chiang Mai $1,903

Tarnow costs about 28% more than Chiang Mai, and outside of rent the biggest gap is in eating out.

Both Tarnow and Chiang Mai are more affordable than the global median – Tarnow 13% lower, Chiang Mai 32% lower.

Meal at Budget Restaurant

$10.34 zł 40.16

$2.29 ฿76.5

351.53%

Three-Course Dinner for Two, Mid-Range

$25.16 zł 97.8

$19.64 ฿656

28.11%

Fast Food Meal (McDonalds, etc)

$6.43 zł 24.96

$5.61 ฿188

14.62%

Cappuccino

$2.55 zł 9.91

$1.66 ฿55.6

53.61%

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

$2.21 zł 8.57

$0.70 ฿23.40

215.71%

Water (0.33 liter bottle)

$1.29 zł 5.03

$0.31 ฿10.24

316.13%

Local Beer (0.5 liter draught)

$3.79 zł 14.73

$2.41 ฿80.4

57.26%

Imported Beer (0.33 liter bottle)

$3.74 zł 14.54

$3.71 ฿124

0.81%

Milk (1 liter)

$0.93 zł 3.60

$1.95 ฿65.3

-52.31%

White Bread (500g)

$1.15 zł 4.45

$1.41 ฿47.03

-18.44%

Rice (white) (1kg)

$1.25 zł 4.87

$1.31 ฿43.62

-4.58%

Eggs

$2.44 zł 9.48

$2.18 ฿72.9

11.93%

Local Cheese (1kg)

$7.86 zł 30.55

$16.65 ฿556

-52.79%

Chicken Fillets (1kg)

$5.84 zł 22.70

$2.76 ฿92.2

111.59%

Beef Round Steak (1kg)

$9.78 zł 37.98

$9.11 ฿304

7.35%

Apples (1kg)

$0.73 zł 2.84

$2.39 ฿80.0

-69.46%

Banana (1kg)

$1.55 zł 6.04

$1.03 ฿34.26

50.49%

Oranges (1kg)

$1.29 zł 5.01

$1.63 ฿54.4

-20.86%

Tomato (1kg)

$1.91 zł 7.42

$1.50 ฿50.0

27.33%

Potato (1kg)

$0.79 zł 3.06

$1.29 ฿43.13

-38.76%

Onion (1kg)

$1.02 zł 3.96

$1.11 ฿37.03

-8.11%

Lettuce (1 head)

$1.06 zł 4.12

$0.72 ฿24.08

47.22%

Water (1.5 liter bottle)

$0.75 zł 2.91

$0.53 ฿17.59

41.51%

Cigarettes 20 Pack (Marlboro, Camel)

$4.31 zł 16.75

$4.31 ฿144

Wine (Bottle)

$6.28 zł 24.41

$17.95 ฿600

-65.01%

Local Beer (0.5 liter bottle)

$0.90 zł 3.50

$1.58 ฿52.9

-43.04%

Imported Beer (0.33 liter bottle)

$1.35 zł 5.26

$2.84 ฿95.0

-52.46%

One-way Ticket (Public Transport)

$0.97 zł 3.76

$0.86 ฿28.86

12.79%

Public Transport Monthly Pass (Regular Price)

$30.58 zł 119

$53.3 ฿1,780

-42.61%

Taxi Start (Normal Tariff)

$1.30 zł 5.06

$1.21 ฿40.29

7.44%

Taxi (Normal Tariff) (1km)

$0.75 zł 2.92

$0.57 ฿18.99

31.58%

Taxi 1hour Waiting (Normal Tariff)

$10.45 zł 40.59

$2.35 ฿78.6

344.68%

Gasoline (1 liter)

$1.62 zł 6.31

$1.44 ฿47.96

12.50%

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

$31.2K zł 121.2K

$20.7K ฿692.8K

50.52%

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

$24.6K zł 95.8K

$26.8K ฿895.7K

-8.02%

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

$242 zł 940

$62.3 ฿2,083

288.14%

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

$9.49 zł 36.86

$12.11 ฿405

-21.64%

Internet (50+ Mbps, Unlimited Data)

$16.41 zł 63.8

$19.94 ฿666

-17.70%

Gym Membership (Monthly)

$25.48 zł 99.0

$37.07 ฿1,239

-31.27%

Tennis Court (1 Hour on Weekend)

$11.65 zł 45.27

$3.78 ฿126

208.20%

Cinema Ticket

$4.52 zł 17.55

$6.50 ฿217

-30.46%

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

$287 zł 1,117

$793 ฿26.5K

-63.73%

International Primary School, 1 Child (Yearly)

$2,538 zł 9,859

$14.8K ฿494.9K

-82.86%

Jeans (Levis 501 Or Similar)

$79.4 zł 309

$53.7 ฿1,796

47.80%

Summer Dress (H&M, Zara, etc)

$25.87 zł 101

$24.62 ฿823

5.08%

Sport Shoes (Adidas, Nike)

$77.5 zł 301

$90.9 ฿3,036

-14.74%

Men's Leather Business Shoes

$111 zł 430

$71.1 ฿2,378

55.59%

1-bedroom Apartment, City Center (Monthly)

$437 zł 1,700

$455 ฿15.2K

-3.95%

1-bedroom Apartment, Outside City Center (Monthly)

$352 zł 1,369

$298 ฿9,954

18.29%

3-bedroom Apartment, City Center (Monthly)

$624 zł 2,423

$908 ฿30.4K

-31.35%

3-bedroom Apartment, Outside City Center (Monthly)

$463 zł 1,799

$554 ฿18.5K

-16.41%

Buy Apartment in City Center (m2)

$2,657 zł 10.3K

$1,931 ฿64.5K

37.61%

Buy Apartment Outside City Center (m2)

$1,750 zł 6,799

$1,445 ฿48.3K

21.15%

Average Monthly Net Salary (After Tax)

$1,000 zł 3,884

$591 ฿19.7K

69.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.68

5.57

19.93%

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

Last update for Tarnow: October 18, 2026

Last update for Chiang Mai: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Tarnow

$352 29.8%

Chiang Mai

$298 32.2% 15.5% $54

Monthly Utilities & Internet

Tarnow

$268 22.7%

Chiang Mai

$94 10.2% 64.8% $173

Groceries & Markets

Tarnow

$183 15.5%

Chiang Mai

$235 25.5% 28.9% $53

Eating Out

Tarnow

$173 14.6%

Chiang Mai

$79 8.5% 54.6% $94

Clothing & Footwear

Tarnow

$132 11.2%

Chiang Mai

$108 11.7% 18.1% $24

Getting Around

Tarnow

$40 3.3%

Chiang Mai

$61 6.6% 53.9% $21

Sport & Entertainment

Tarnow

$35 2.9%

Chiang Mai

$50 5.4% 45% $16

Cost Breakdown

A central one-bedroom costs $437 in Tarnow versus $455 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 69% 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 $25.00 in Tarnow versus $20.00 in Chiang Mai. Groceries tell a different story – $183 in Tarnow vs $235 in Chiang Mai – so Tarnow wins on supermarket bills even if dining out costs more.

Good to know

🇵🇱 Tarnow

🇹🇭 Chiang Mai

🕒 Local time

20:31 8:31 PM

01:31 1:31 AM

5 h ahead of Tarnow

🌤 Weather

👥 Population

106,748

127,240

💱 Currency

Polish Złoty PLN zł

Thai Baht THB ฿

📈 Exchange rate

1 PLN = 0.257 USD

1 PLN = 0.229 EUR

100 THB = 2.99 USD

100 THB = 2.66 EUR

Exchange rates and currency converter

THB, USD, EUR to PLN – Polish Złoty Converter

🇺🇸 United States Dollar ($)

🇵🇱 Polish Złoty (zł)

Polish Złoty exchange rates as of October 20, 2026: 1 USD = 3.89 PLN (1 PLN = 0.257 USD). 1 EUR = 4.37 PLN (1 PLN = 0.229 EUR).

Thai Baht exchange rates as of October 20, 2026: 1 USD = 33.42 THB (100 THB = 2.99 USD). 1 EUR = 37.57 THB (100 THB = 2.66 EUR).

USD to PLN in detail →

On the map

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Highest

Between locations

Tarnow Chiang Mai 7,570 km ≈ 10 h nonstop flight

From you

Tarnow
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

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

Tarnow costs about 28% 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 $1,773 per month in Tarnow and $1,388 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 $287 per month in Tarnow and $793 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 29% cheaper in Tarnow – 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 $925, than in Tarnow at $1,182. In Chiang Mai it covers expenses comfortably, while in Tarnow it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Chiang Mai costs $925 versus $1,182 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.