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

Monthly Cost of Living

A single person spends $1,357 per month in Terni vs $932 in Chiang Mai, rent included.

A couple spends around $2,044 per month in Terni vs $1,399 in Chiang Mai, rent included.

A family of three spends $2,732 per month in Terni vs $1,866 in Chiang Mai, rent included.

Terni costs about 46% more than Chiang Mai, driven mainly by Eating Out.

Both Terni and Chiang Mai are more affordable than the global median – Terni 1% lower, Chiang Mai 32% lower.

Meal at Budget Restaurant

$17.10 €14.91

$2.08 ฿69.5

722.12%

Three-Course Dinner for Two, Mid-Range

$70.4 €61.4

$19.61 ฿655

259.00%

Fast Food Meal (McDonalds, etc)

$13.88 €12.10

$5.67 ฿189

144.80%

Cappuccino

$1.65 €1.44

$1.81 ฿60.3

-8.84%

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

$2.74 €2.39

$0.77 ฿25.65

255.84%

Water (0.33 liter bottle)

$1.04 €0.91

$0.35 ฿11.53

197.14%

Local Beer (0.5 liter draught)

$4.52 €3.94

$2.21 ฿73.9

104.52%

Imported Beer (0.33 liter bottle)

$5.86 €5.11

$3.79 ฿127

54.62%

Milk (1 liter)

$1.24 €1.08

$2.05 ฿68.4

-39.51%

White Bread (500g)

$1.74 €1.52

$1.51 ฿50.6

15.23%

Rice (white) (1kg)

$2.34 €2.04

$1.40 ฿46.69

67.14%

Eggs

$3.31 €2.88

$2.26 ฿75.4

46.46%

Local Cheese (1kg)

$13.81 €12.04

$16.19 ฿540

-14.70%

Chicken Fillets (1kg)

$9.04 €7.88

$2.90 ฿96.7

211.72%

Beef Round Steak (1kg)

$13.74 €11.98

$9.42 ฿314

45.86%

Apples (1kg)

$1.19 €1.04

$2.68 ฿89.4

-55.60%

Banana (1kg)

$1.18 €1.03

$1.09 ฿36.37

8.26%

Oranges (1kg)

$1.17 €1.02

$1.62 ฿54.0

-27.78%

Tomato (1kg)

$2.29 €1.99

$1.46 ฿48.74

56.85%

Potato (1kg)

$0.85 €0.74

$1.28 ฿42.65

-33.59%

Onion (1kg)

$1.51 €1.32

$1.06 ฿35.31

42.45%

Lettuce (1 head)

$0.78 €0.68

$0.72 ฿23.94

8.33%

Water (1.5 liter bottle)

$0.33 €0.29

$0.53 ฿17.56

-37.74%

Cigarettes 20 Pack (Marlboro, Camel)

$6.97 €6.08

$4.23 ฿141

64.78%

Wine (Bottle)

$5.64 €4.91

$18.29 ฿611

-69.16%

Local Beer (0.5 liter bottle)

$1.18 €1.03

$1.63 ฿54.4

-27.61%

Imported Beer (0.33 liter bottle)

$1.49 €1.30

$2.90 ฿96.8

-48.62%

One-way Ticket (Public Transport)

$1.58 €1.38

$0.88 ฿29.32

79.55%

Public Transport Monthly Pass (Regular Price)

$34.77 €30.31

$53.8 ฿1,795

-35.34%

Taxi Start (Normal Tariff)

$5.42 €4.72

$1.17 ฿39.14

363.25%

Taxi (Normal Tariff) (1km)

$1.53 €1.33

$0.58 ฿19.30

163.79%

Taxi 1hour Waiting (Normal Tariff)

$25.34 €22.09

$2.39 ฿79.6

960.25%

Gasoline (1 liter)

$2.00 €1.74

$1.45 ฿48.41

37.93%

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

$34.9K €30.4K

$21.0K ฿701.4K

65.93%

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

$36.0K €31.4K

$26.4K ฿882.0K

36.24%

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

$154 €134

$63.7 ฿2,125

141.38%

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

$8.22 €7.16

$12.89 ฿430

-36.23%

Internet (50+ Mbps, Unlimited Data)

$32.14 €28.02

$20.52 ฿685

56.63%

Gym Membership (Monthly)

$57.0 €49.72

$39.02 ฿1,302

46.16%

Tennis Court (1 Hour on Weekend)

$11.51 €10.03

$3.92 ฿131

193.62%

Cinema Ticket

$10.74 €9.36

$6.58 ฿220

63.22%

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

$348 €303

$784 ฿26.2K

-55.65%

International Primary School, 1 Child (Yearly)

$12.5K €10.9K

$14.7K ฿489.8K

-15.10%

Jeans (Levis 501 Or Similar)

$88.0 €76.7

$55.1 ฿1,840

59.74%

Summer Dress (H&M, Zara, etc)

$31.98 €27.87

$24.74 ฿826

29.26%

Sport Shoes (Adidas, Nike)

$97.8 €85.3

$94.1 ฿3,142

3.94%

Men's Leather Business Shoes

$79.6 €69.4

$74.0 ฿2,469

7.60%

1-bedroom Apartment, City Center (Monthly)

$353 €307

$490 ฿16.4K

-28.07%

1-bedroom Apartment, Outside City Center (Monthly)

$383 €334

$288 ฿9,620

32.77%

3-bedroom Apartment, City Center (Monthly)

$673 €587

$891 ฿29.8K

-24.50%

3-bedroom Apartment, Outside City Center (Monthly)

$545 €475

$521 ฿17.4K

4.53%

Buy Apartment in City Center (m2)

$1,403 €1,223

$1,974 ฿65.9K

-28.89%

Buy Apartment Outside City Center (m2)

$803 €700

$1,444 ฿48.2K

-44.40%

Average Monthly Net Salary (After Tax)

$1,545 €1,347

$602 ฿20.1K

156.78%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.04

5.57

-45.42%

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

Last update for Terni: September 13, 2026

Last update for Chiang Mai: September 13, 2026

Cost Breakdown

A central one-bedroom costs $353 in Terni 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.

Salaries run about 157% higher in Terni, 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 $70.0 in Terni versus $20.00 in Chiang Mai. Monthly groceries follow the same trend: $242 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

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

Terni costs about 46% 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 $2,035 per month in Terni 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.

Kindergarten costs $348 per month in Terni and $784 in Chiang Mai. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 1% more in Terni, 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 $932, than in Terni at $1,357. In Chiang Mai it covers expenses comfortably, while in Terni it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Chiang Mai costs $932 versus $1,357 in Terni. 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, Terni makes more sense. Both are solid long-term options with distinct trade-offs.