Last update: Oct 2026

Cost of Living Comparison Between Terni and Chiang Mai

For one person, living is cheaper in Chiang Mai: $936 a month against $1,299 in Terni, rent and utilities included – about $4,400 less a year. Other living expenses account for most of the difference.

63

Cost of Living Index in Terni
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Terni Living Index
45

Cost of Living Index in Chiang Mai
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Chiang Mai Living Index

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Terni

🇮🇹 Italy

$1,299

/mo nomad

Chiang Mai

🇹🇭 Thailand

$936

/mo nomad

Monthly Cost of Living

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

A single person spends $1,299 per month in Terni vs $936 in Chiang Mai, rent included.

Terni $1,299
Chiang Mai $936

A couple spends around $1,995 per month in Terni vs $1,457 in Chiang Mai, rent included.

Terni $1,995
Chiang Mai $1,457

A family of three spends $2,691 per month in Terni vs $1,979 in Chiang Mai, rent included.

Terni $2,691
Chiang Mai $1,979

Terni costs about 39% more than Chiang Mai, and outside of rent the biggest gap is in eating out.

Both Terni and Chiang Mai are more affordable than the global median – Terni 5% lower, Chiang Mai 31% lower.

Meal at Budget Restaurant

$16.55 €14.82

$2.24 ฿75.6

638.84%

Three-Course Dinner for Two, Mid-Range

$66.7 €59.8

$19.00 ฿641

251.16%

Fast Food Meal (McDonalds, etc)

$13.54 €12.12

$5.55 ฿187

143.96%

Cappuccino

$1.69 €1.51

$1.67 ฿56.5

1.20%

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

$2.54 €2.28

$0.64 ฿21.54

296.88%

Water (0.33 liter bottle)

$1.03 €0.93

$0.31 ฿10.31

232.26%

Local Beer (0.5 liter draught)

$4.35 €3.90

$2.36 ฿79.5

84.32%

Imported Beer (0.33 liter bottle)

$5.74 €5.14

$3.66 ฿124

56.83%

Milk (1 liter)

$1.22 €1.09

$1.95 ฿65.7

-37.44%

White Bread (500g)

$1.70 €1.52

$1.44 ฿48.46

18.06%

Rice (white) (1kg)

$2.17 €1.95

$1.33 ฿45.03

63.16%

Eggs

$3.82 €3.42

$2.28 ฿77.1

67.54%

Local Cheese (1kg)

$13.38 €11.98

$16.45 ฿555

-18.66%

Chicken Fillets (1kg)

$9.20 €8.24

$2.78 ฿93.9

230.94%

Beef Round Steak (1kg)

$13.33 €11.94

$9.31 ฿314

43.18%

Apples (1kg)

$1.13 €1.02

$2.35 ฿79.4

-51.91%

Banana (1kg)

$1.13 €1.01

$0.97 ฿32.79

16.49%

Oranges (1kg)

$1.13 €1.01

$1.60 ฿53.9

-29.38%

Tomato (1kg)

$2.27 €2.03

$1.50 ฿50.6

51.33%

Potato (1kg)

$0.74 €0.66

$1.28 ฿43.11

-42.19%

Onion (1kg)

$1.48 €1.32

$1.10 ฿37.18

34.55%

Lettuce (1 head)

$0.75 €0.67

$0.71 ฿23.82

5.63%

Water (1.5 liter bottle)

$0.36 €0.32

$0.49 ฿16.36

-26.53%

Cigarettes 20 Pack (Marlboro, Camel)

$6.59 €5.90

$4.14 ฿140

59.18%

Wine (Bottle)

$8.00 €7.17

$17.52 ฿591

-54.34%

Local Beer (0.5 liter bottle)

$1.14 €1.02

$1.61 ฿54.5

-29.19%

Imported Beer (0.33 liter bottle)

$1.51 €1.36

$2.78 ฿93.9

-45.68%

One-way Ticket (Public Transport)

$1.59 €1.42

$0.87 ฿29.30

82.76%

Public Transport Monthly Pass (Regular Price)

$34.20 €30.63

$54.1 ฿1,825

-36.77%

Taxi Start (Normal Tariff)

$3.63 €3.26

$1.16 ฿39.04

212.93%

Taxi (Normal Tariff) (1km)

$1.26 €1.13

$0.53 ฿17.80

137.74%

Taxi 1hour Waiting (Normal Tariff)

$30.81 €27.60

$2.42 ฿81.7

1173.14%

Gasoline (1 liter)

$2.14 €1.92

$1.45 ฿48.88

47.59%

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

$33.0K €29.6K

$21.1K ฿710.5K

56.92%

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

$36.3K €32.5K

$26.9K ฿909.0K

34.64%

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

$150 €135

$62.2 ฿2,098

141.60%

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

$11.46 €10.27

$12.17 ฿411

-5.83%

Internet (50+ Mbps, Unlimited Data)

$30.69 €27.49

$20.12 ฿679

52.53%

Gym Membership (Monthly)

$54.8 €49.09

$37.31 ฿1,259

46.93%

Tennis Court (1 Hour on Weekend)

$11.20 €10.03

$3.77 ฿127

197.08%

Cinema Ticket

$11.15 €9.99

$6.49 ฿219

71.80%

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

$329 €295

$736 ฿24.8K

-55.29%

International Primary School, 1 Child (Yearly)

$16.5K €14.8K

$14.8K ฿498.2K

11.76%

Jeans (Levis 501 Or Similar)

$84.9 €76.0

$53.4 ฿1,801

59.04%

Summer Dress (H&M, Zara, etc)

$33.72 €30.20

$24.64 ฿831

36.85%

Sport Shoes (Adidas, Nike)

$106 €94.9

$91.5 ฿3,087

15.85%

Men's Leather Business Shoes

$78.4 €70.2

$71.9 ฿2,427

8.98%

1-bedroom Apartment, City Center (Monthly)

$340 €304

$482 ฿16.3K

-29.60%

1-bedroom Apartment, Outside City Center (Monthly)

$357 €320

$309 ฿10.4K

15.58%

3-bedroom Apartment, City Center (Monthly)

$648 €580

$1,006 ฿33.9K

-35.58%

3-bedroom Apartment, Outside City Center (Monthly)

$519 €465

$633 ฿21.4K

-18.05%

Buy Apartment in City Center (m2)

$1,363 €1,221

$2,363 ฿79.7K

-42.31%

Buy Apartment Outside City Center (m2)

$784 €702

$1,589 ฿53.6K

-50.64%

Average Monthly Net Salary (After Tax)

$1,468 €1,315

$590 ฿19.9K

148.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.16

5.57

-43.27%

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

Last update for Terni: October 26, 2026

Last update for Chiang Mai: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Terni

$357 27.5%

Chiang Mai

$309 33% 13.5% $48

Groceries & Markets

Terni

$245 18.9%

Chiang Mai

$234 25.1% 4.3% $10

Eating Out

Terni

$241 18.5%

Chiang Mai

$78 8.3% 67.8% $163

Monthly Utilities & Internet

Terni

$192 14.8%

Chiang Mai

$94 10.1% 50.9% $98

Clothing & Footwear

Terni

$136 10.5%

Chiang Mai

$109 11.6% 20.3% $28

Sport & Entertainment

Terni

$77 5.9%

Chiang Mai

$50 5.4% 34.8% $27

Getting Around

Terni

$51 3.9%

Chiang Mai

$61 6.6% 21.5% $11

Cost Breakdown

A central one-bedroom costs $340 in Terni versus $482 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 in Terni are about 2.5 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $67 in Terni versus $19 in Chiang Mai. Monthly groceries follow the same trend: $245 vs $234 – making Chiang Mai the more affordable choice for daily food spending.

Good to know

🇮🇹 Terni

🇹🇭 Chiang Mai

🕒 Local time

09:13 9:13 AM

15:13 3:13 PM

6 h ahead of Terni

🌤 Weather

👥 Population

106,677

127,240

💱 Currency

Euro EUR €

Thai Baht THB ฿

📈 Exchange rate

1 EUR = 1.12 USD

100 THB = 2.96 USD

100 THB = 2.65 EUR

Exchange rates and currency converter

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Between locations

Terni Chiang Mai 8,320 km ≈ 11 h nonstop flight

From you

Terni
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

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

Terni costs about 39% 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 $1,949 per month in Terni and $1,403 in Chiang Mai. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Terni, especially for central apartments: a one-bedroom in the center costs $340 there versus $482 in Chiang Mai.

Kindergarten costs $329 per month in Terni and $736 in Chiang Mai. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 4% more in Terni, though the gap depends on what you buy.

$800 is a stretch for both – monthly costs hit $1,299 in Terni and $936 in Chiang Mai. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Chiang Mai has an edge in some lifestyle areas, with costs from $936 in Chiang Mai to $1,299 in Terni. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Chiang Mai. If higher salaries or specific career opportunities are the priority, Terni makes more sense. Both are solid long-term options with distinct trade-offs.