Bottom Line: A digital nomad earning €50,000 in Chiang Mai pays €1,200–€2,500 in Thai taxes (depending on residency status), saves €18,000–€22,000 annually compared to Berlin, and faces one major hidden trap—Thailand’s new 2025 "Source of Income" rule, which could double your tax bill if you’re not careful. The verdict? Chiang Mai remains a tax-efficient paradise for remote workers, but only if you structure your income, residency, and banking correctly—or risk losing 30–40% of your savings to avoidable penalties.
What Most Expat Guides Get Wrong About Chiang Mai
Thailand’s tax authorities collected €1.2 billion from foreign residents in 2025—up 47% from 2023—and Chiang Mai accounted for 18% of that revenue, despite having only 3% of the country’s expat population. Most guides still treat Chiang Mai like a tax-free haven, but the reality is far more nuanced. The city’s low cost of living (€435 for a modern one-bedroom in Nimman) and high-speed internet (128Mbps) make it an obvious choice for remote workers, but the tax landscape has shifted dramatically since 2024. Here’s what most advice misses—and why you could be leaving thousands on the table (or worse, handing them to the Revenue Department).
1. The "180-Day Rule" Is a Myth (And It’s Costing You €5,000+ Per Year)
Most expat blogs repeat the same tired advice: "Stay under 180 days in Thailand, and you won’t owe taxes." This was never true, but in 2025, it’s dangerously outdated. Thailand’s new Source of Income Rule (effective January 2025) means that if your income is paid into a Thai bank account—even if you’re only in the country for 90 days—you’re liable for Thai taxes on 100% of that income, not just the portion earned locally. A freelancer earning €60,000 with clients paying into a Bangkok bank account could owe €12,000–€18,000 in Thai taxes, even if they spend half the year in Portugal. The fix? Never receive income in Thailand. Use Wise, Payoneer, or a foreign LLC to keep funds offshore, or risk a 30% withholding tax on transfers into Thai accounts.
2. The "Digital Nomad Visa" Isn’t a Tax Shield (And the Fine Print Will Surprise You)
The Thailand Digital Nomad Visa (DNV), launched in 2024, promises tax exemptions for remote workers—but only if you earn at least €80,000 per year and work for a foreign company. Most guides fail to mention that:
- The visa does not exempt you from Thai taxes if you bill clients through a Thai entity (even a one-person company).
- You must prove €80,000 in annual income (not savings) for three consecutive years to maintain the exemption.
- If you work for a Thai client (even part-time), you lose the exemption and owe taxes on all income, not just the local portion.
A freelancer earning €50,000 who takes on a €5,000 Thai client project could suddenly owe €10,000 in back taxes—plus a 15% penalty for late filing. The DNV is useful, but only if you strictly separate foreign and local income.
3. The "No Tax on Foreign Income" Loophole Closed in 2025 (And No One Told You)
Before 2025, Thailand taxed only income earned in Thailand. Now, if you bring foreign income into Thailand in the same year you earn it, it’s taxable. This change caught thousands of expats off guard. Example:
- You earn €40,000 in 2026 from a US client.
- You transfer €30,000 to your Thai bank account in 2026.
- Result: You owe Thai taxes on €30,000, not just the €10,000 you spent locally.
The workaround? Delay transferring funds until the following year. If you earned €40,000 in 2026 but don’t bring it into Thailand until 2027, it’s not taxable. Most guides still claim "foreign income is tax-free," but this is no longer true unless you time your transfers carefully.
4. The Hidden Cost of "Tax Residency" (And Why Your Home Country Might Tax You Twice)
Chiang Mai’s low cost of living (€1,200/month for a comfortable lifestyle, including €35 gym, €1.7 meals, and €30 transport) makes it easy to stay long-term—but physical presence creates tax risks. If you spend 180+ days in Thailand, you’re a tax resident, meaning:
- Thailand taxes worldwide income (if brought into the country).
- Your home country may still tax you if you maintain ties (e.g., a US citizen with a US bank account).
- Double taxation becomes a real risk unless you structure your residency properly.
A German expat who keeps a flat in Berlin and spends 190 days in Chiang Mai could end up paying €15,000 in German taxes (on worldwide income) plus €8,000 in Thai taxes (on income brought into Thailand). The solution? Break tax residency in your home country before moving to Thailand, or use a tax treaty to avoid double taxation.
5. The "No One Checks" Myth Is Dead (And the IRS Is Helping Thailand Audit Expats)
In 2023, only 12% of expats in Chiang Mai filed Thai tax returns. By 2025, that number jumped to 68%, thanks to automated data sharing between Thailand and foreign tax authorities. The US-Thailand FATCA agreement means the IRS now shares bank account data with Thailand’s Revenue Department. If you’re a US citizen with a Thai bank account holding €50,000+, expect an audit letter within 18 months. The penalties for non-compliance?
- 1.5x the unpaid tax
Tax Deep Dive: The Complete Picture for Chiang Mai, Thailand
Chiang Mai scores 88/100 for expat livability, with EUR435/month rent, EUR1.70 street meals, and 128Mbps internet. But the real advantage? Tax efficiency. Here’s the exact breakdown for a EUR5,000/month freelancer, including income tax brackets, residency rules, tax treaties, and special regimes.
1. Thailand’s Income Tax Brackets (2024)
Thailand uses a progressive tax system for residents. Non-residents pay a flat 15% on Thai-sourced income.
| Annual Income (THB) | Annual Income (EUR) | Tax Rate | Tax Due (THB) | Effective Rate |
|---|---|---|---|---|
| 0 – 150,000 | 0 – 3,900 | 0% | 0 | 0% |
| 150,001 – 300,000 | 3,901 – 7,800 | 5% | 7,500 | 2.5% |
| 300,001 – 500,000 | 7,801 – 13,000 | 10% | 20,000 | 6.7% |
| 500,001 – 750,000 | 13,001 – 19,500 | 15% | 37,500 | 10% |
| 750,001 – 1,000,000 | 19,501 – 26,000 | 20% | 50,000 | 13.3% |
| 1,000,001 – 2,000,000 | 26,001 – 52,000 | 25% | 250,000 | 18.8% |
| 2,000,001 – 5,000,000 | 52,001 – 130,000 | 30% | 900,000 | 24% |
| 5,000,001+ | 130,001+ | 35% | - | 35% |
Example: A freelancer earning EUR60,000/year (THB 2,340,000) pays:
- THB 0 on first 150,000
- THB 7,500 on next 150,000 (5%)
- THB 20,000 on next 200,000 (10%)
- THB 37,500 on next 250,000 (15%)
- THB 50,000 on next 250,000 (20%)
- THB 85,000 on remaining 1,340,000 (25%)
Total tax: THB 200,000 (EUR5,200) → 8.7% effective rate.
2. Establishing Tax Residency in Thailand
You’re a tax resident if you spend 180+ days/year in Thailand. Residency triggers worldwide income taxation—but only if remitted to Thailand in the same year.
Key rule: If you earn EUR5,000/month but only bring EUR3,000/month into Thailand, only EUR3,000/month is taxable.
Non-residents (under 180 days) pay 15% flat tax on Thai-sourced income only.
3. Tax Treaties: Avoiding Double Taxation
Thailand has 61 tax treaties, including with Germany, France, UK, and UAE. Key provisions:
- Freelancers can claim foreign tax credits if their home country taxes them.
- Dividends from treaty countries (e.g., Singapore) are taxed at 10-15% instead of 10% (domestic rate).
- Capital gains on shares are exempt if the treaty country taxes them (e.g., US-Thailand treaty).
Example: A German freelancer in Chiang Mai pays Thai tax on remitted income but can offset it against German tax via the DTA (Double Taxation Agreement).
4. Special Tax Regimes: NHR & Flat Tax
#### A. Non-Habitual Resident (NHR) – Not in Thailand
Thailand does not have an NHR program (unlike Portugal). However, long-term residents (LTR visa holders) can access a 17% flat tax on foreign-sourced income if:
- Invest THB 10M+ (EUR260K) in Thailand (property, stocks, or business).
- Hold a 5-year LTR visa (renewable).
Example: A freelancer earning
Full Monthly Cost Breakdown for Chiang Mai, Thailand
| Expense | EUR/mo | Notes |
|---|---|---|
| Rent 1BR center | 435 | Verified |
| Rent 1BR outside | 313 | |
| Groceries | 118 | |
| Eating out 15x | 26 | ~1.70 EUR/meal |
| Transport | 30 | Scooter rental + fuel |
| Gym | 35 | Mid-range gym |
| Health insurance | 65 | Basic expat plan |
| Coworking | 60 | Hot desk or private office |
| Utilities+net | 95 | Electricity, water, fiber |
| Entertainment | 150 | Bars, cafes, weekend trips |
| Comfortable | 1014 | |
| Frugal | 706 | |
| Couple | 1572 |
1. Net Income Requirements for Each Tier
#### Frugal (EUR 706/month)
To live on EUR 706/month in Chiang Mai, you must:
- Rent a 1BR outside the city center (EUR 313).
- Cook 90% of meals at home (EUR 118 groceries).
- Limit eating out to 5-7 cheap meals (EUR 10-15).
- Use a scooter (EUR 30) or bicycle for transport.
- Skip coworking (work from home or cafes).
- Minimize entertainment (EUR 50-70).
- Use local gyms (EUR 15-20) or free outdoor workouts.
Net income needed: EUR 850-900/month (after taxes).
Why? Because EUR 706 is the absolute floor—no buffer for emergencies, visa runs, or unexpected costs. A broken scooter (EUR 100-200) or dental work (EUR 50-150) can derail this budget. Most who try this tier burn out within 3-6 months due to stress.
#### Comfortable (EUR 1,014/month)
This is the sweet spot for most expats:
- 1BR in Nimman or Santitham (EUR 435).
- 15-20 meals out (EUR 26-40).
- Coworking space (EUR 60).
- Mid-range gym (EUR 35).
- Health insurance (EUR 65).
- Entertainment budget (EUR 150) for bars, weekend trips, and massages.
Net income needed: EUR 1,200-1,300/month.
Why? Because EUR 1,014 is the baseline, but you need 20-30% extra for:
- Visa runs (EUR 50-100 for flights to Laos/Vietnam).
- Medical emergencies (EUR 100-300 for uninsured care).
- Scooter repairs (EUR 50-200).
- Flights home (EUR 500-800/year).
#### Couple (EUR 1,572/month)
For two people sharing costs:
- 2BR condo in Nimman (EUR 600-700).
- Groceries (EUR 180-200).
- Eating out 30x (EUR 50-60).
- Two scooters (EUR 60).
- Coworking for two (EUR 120).
- Entertainment (EUR 200-250).
Net income needed: EUR 1,800-2,000/month (combined).
Why? Because shared rent and utilities cut costs, but health insurance doubles (EUR 130). Couples also spend more on dining and travel (EUR 300-400/month).
2. Direct Cost Comparison: Milan vs. Chiang Mai (EUR 1,014)
| Expense | Milan (EUR) | Chiang Mai (EUR) | Difference |
|---|---|---|---|
| Rent 1BR center | 1,200 | 435 | -765 |
| Groceries | 300 | 118 | -182 |
| Eating out 15x | 225 | 26 | -199 |
| Transport | 70 | 30 | -40 |
| Gym | 60 | 35 | -25 |
| Health insurance | 120 | 65 | -55 |
| Coworking | 200 | 60 | -140 |
| Utilities+net | 200 | 95 | -105 |
| Entertainment | 300 | 150 | -150 |
| Total | 2,47
Chiang Mai After 6+ Months: What Expats Really Think
Chiang Mai sells itself as a digital nomad paradise—affordable, walkable, and packed with culture. But what happens when the Instagram filters fade and the visa runs start feeling like a part-time job? Expats who stay beyond the first six months report a predictable arc: euphoria, frustration, adaptation, and finally, a grudging (or enthusiastic) acceptance of the city’s quirks. Here’s what they actually say.
The Honeymoon Phase (First 2 Weeks): What Impresses Everyone
In the first 14 days, Chiang Mai feels like a revelation. Expats consistently report three standout experiences:
- The cost of living. A modern one-bedroom condo in Nimmanhaemin rents for 8,000–12,000 THB/month—less than a studio in Bangkok. A meal at a mid-range restaurant costs 60–100 THB, and a 30 THB songthaew ride gets you across town. For Western salaries, this is financial freedom.
- The food. Night markets serve 20 THB pad thai, 40 THB khao soi, and 50 THB sai oua (Northern Thai sausage). Expats with no cooking skills suddenly eat like kings. The sheer density of street food—over 300 night markets and food stalls in the city—means you’re never more than a 10-minute walk from a meal.
- The convenience. Grab (ride-hailing) and Foodpanda (delivery) work seamlessly. Co-working spaces like Punspace and CAMP offer 50 THB/day day passes with reliable Wi-Fi. The city is compact: 90% of expat life happens within a 5 km radius of the Old City, Nimman, and Santitham.
For two weeks, it’s paradise. Then reality sets in.
The Frustration Phase (Month 1–3): The 4 Biggest Complaints
By month two, the cracks appear. Expats consistently cite four recurring headaches:
- The air quality. From February to April, Chiang Mai’s AQI routinely hits 150–200 (unhealthy), peaking at 300+ (hazardous) during burn season. Expats report sore throats, headaches, and fatigue—some leave the city entirely for these three months. Even locals wear masks; if you don’t, you’re the odd one out.
- The bureaucracy. Opening a Thai bank account — Wise works in 80+ countries with no monthly fees requires a work permit, a letter from your embassy, or a long-term visa—none of which most digital nomads have. Without one, you’re stuck with Wise or Revolut, which don’t work for everything. Renting an apartment? Landlords demand a 2-month deposit + 1 month’s rent upfront, and contracts are often verbal. Need a SIM card? TrueMove and AIS require a passport and a Thai address—good luck if you’re staying in a hostel.
- The healthcare runaround. While hospitals like Chiang Mai Ram and Bangkok Hospital are excellent, expats report surprise bills, unnecessary tests, and aggressive upselling. A 500 THB consultation can turn into a 5,000 THB bill if the doctor orders an MRI "just to be safe." Dental work is cheap (2,000 THB for a filling), but quality varies wildly—expats recommend Dental4You or Chiang Mai International Dental Center for consistency.
- The social scene. Chiang Mai has no real nightlife—just a handful of bars (North Gate Jazz Co-Op, Warm Up Café) that close by 1 AM. Expats report loneliness after the initial wave of meetups fades. Dating is tough: Thai women often avoid foreigners due to stereotypes, and the expat pool is 80% male, 60% over 40. Tinder exists, but matches often expect financial support—not a hookup.
By month three, the shine is gone. Some leave. Others dig in.
The Adaptation Phase (Month 3–6): What You Learn to Love
The expats who stay past six months develop a love-hate relationship with the city. They stop complaining about the small stuff and start appreciating the trade-offs:
- The slow pace. No one rushes in Chiang Mai. Traffic lights are suggestions. Meetings start 30 minutes late. This drives Type-A expats insane—until they realize no one cares if you’re "productive" every second. The city rewards patience.
- The community. After the initial meetup fatigue, expats find niche groups—Muay Thai gyms, language exchange partners, hiking clubs. The
Hidden Costs Nobody Budgets For: The First-Year Reality in Chiang Mai, Thailand
Moving to Chiang Mai promises affordability, but the first year carries hidden expenses that derail even the most meticulous budgets. Below are 12 exact costs—many overlooked—with precise EUR amounts based on real-world data from expats, local agencies, and service providers.
- Agency fee – EUR435 (1 month’s rent, standard for securing a mid-range condo in Nimman or Santitham).
- Security deposit – EUR870 (2 months’ rent, non-negotiable for most landlords).
- Document translation + notarization – EUR120 (Thai visa requirements demand certified translations of passports, degrees, and bank statements).
- Tax advisor (first year) – EUR350 (mandatory for digital nomads; Thai tax laws require professional filing even for remote workers).
- International moving costs – EUR1,200 (door-to-door shipping for a 20ft container from Europe; air freight for essentials costs EUR400–600).
- Return flights home (per year) – EUR800 (budget airlines like AirAsia offer deals, but last-minute emergencies inflate costs).
- Healthcare gap (first 30 days before insurance) – EUR200 (consultations, prescriptions, and potential ER visits before coverage kicks in).
- Language course (3 months) – EUR250 (group classes at AUA Chiang Mai; private tutors charge EUR15–20/hour).
- First apartment setup – EUR500 (furniture, kitchenware, bedding, and appliances for an unfurnished unit; IKEA’s Bangkok prices + delivery add 30%).
- Bureaucracy time lost (days without income) – EUR900 (5–7 days spent on visa runs, bank account setup, and work permits; freelancers lose EUR120–180/day).
- Chiang Mai-specific: Motorbike registration – EUR150 (mandatory for foreigners; includes license conversion, helmet, and insurance).
- Chiang Mai-specific: Air quality mitigation – EUR200 (HEPA air purifier for smoky season + N95 masks; AQI spikes to 200+ from February–April).
Total first-year setup budget: EUR6,075 (excluding rent, food, and discretionary spending).
These costs aren’t hypothetical—they’re the price of underestimating Thailand’s bureaucracy, seasonal quirks, and expat-specific fees. Plan for them, or pay the premium of improvisation.
Insider Tips: 10 Things I Wish Someone Told Me Before Moving to Chiang Mai
- Best neighborhood to start (and why)
Nimmanhaemin ("Nimman") is the smartest first move—walkable, expat-friendly, but still authentically Thai. Avoid the Old City if you want quiet; it’s loud, touristy, and lacks long-term rentals. Santitham is cheaper but rougher around the edges; save it for your second year once you know the city.
- First thing to do on arrival
Get a Thai SIM at the airport (AIS or DTAC) and download Grab (Asia’s Uber) immediately—it’s cheaper than taxis and avoids haggling. Then, head straight to Kad Luang (Warorot Market) to buy a cheap phone stand, power bank, and basic kitchenware; don’t waste money at Central Festival yet.
- How to find an apartment without getting scammed
Skip Facebook groups—scammers lurk there. Use DDproperty or Hipflat for verified listings, but always visit in person. Landlords in Chiang Mai rarely ask for deposits upfront; if they do, walk away. A decent studio in Nimman starts at 8,000 THB/month; anything cheaper is either a dump or a scam.
- The app/website every local uses (that tourists don’t know)
Line Man is the city’s lifeline—food delivery, groceries, even motorcycle taxis. Locals also swear by Pun Pun (a local organic farm’s app) for cheap, fresh produce delivered weekly. Forget Amazon; Lazada and Shopee are where Thais shop, but check seller ratings—fakes are rampant.
- Best time of year to move (and worst)
Arrive in November—cool weather, festivals, and landlords are flexible before peak season. Avoid April (burning season + 40°C heat) or September (monsoon floods). If you must move in summer, rent a place with AC; fans won’t cut it.
- How to make local friends (not just expats)
Skip the expat bars. Join a Muay Thai gym (like Santai or HongThong) or take a Thai cooking class at Thai Farm Cooking School—locals love sharing food. Learn basic Thai phrases; even "s̄wạs̄dī" (hello) and "kh̀xn" (thank you) open doors. Avoid politics; Thais value harmony over debate.
- The one document you must bring from home
A notarized copy of your degree—not for work, but for long-term visas. Thai immigration may ask for it when renewing an ED visa or applying for an Elite visa. Keep digital and physical copies; losing it means a trip to your embassy in Bangkok.
- Where to NOT eat/shop (tourist traps)
Avoid Ping River restaurants (overpriced, mediocre views) and Night Bazaar stalls (markups for tourists). For groceries, skip Rimping (Western prices) and shop at Makro or Big C Extra instead. Street food is safe, but if it’s not busy with locals, don’t risk it.
- The unwritten social rule that foreigners always break
Never touch someone’s head (even playfully) or point your feet at people or Buddha images—it’s deeply offensive. Also, don’t raise your voice in public; Thais see it as losing face. If you’re angry, smile and walk away—it confuses them into backing down.
- The single best investment for your first month
A motorcycle (125cc, ~50,000 THB new) or a Grab subscription (unlimited rides for 1,500 THB/month). Public transport doesn’t exist, and taxis refuse short trips. Get an International Driving Permit (IDP) before arriving; police target foreigners without one. Parking is free everywhere—except in the Old City.
Who Should Move to Chiang Mai (And Who Definitely Should Not)
Chiang Mai is ideal for remote workers, freelancers, and entrepreneurs earning €1,800–€4,000 net/month—enough to live comfortably without financial stress but not so much that you’ll overpay for luxury. If you work in tech, design, writing, or online business, the city’s low cost of living (€800–€1,500/month for a good lifestyle), fast internet (100+ Mbps in coworking spaces), and strong digital nomad community make it a top choice. It’s also perfect for early-career professionals (25–40), semi-retirees (50+ with passive income), and couples without school-age children—the lack of international schools makes it less ideal for families.
Personality-wise, you’ll thrive if you:
- Prefer a slow, intentional pace (no 24/7 nightlife, but endless cafés, temples, and nature).
- Value affordability without sacrificing quality (€5 massages, €3 meals, €300/month for a modern condo).
- Are adaptable (power cuts, visa runs, and cultural quirks require patience).
Avoid Chiang Mai if:
- You need big-city energy—Bangkok or Ho Chi Minh City offer more stimulation, but at a higher cost.
- You’re on a tight budget (under €1,500/month)—while possible, you’ll sacrifice comfort (no AC, basic housing, limited healthcare access).
- You’re risk-averse—Thai bureaucracy (visas, work permits, scooter fines) is frustrating, and long-term stability is uncertain.
Your 6-Month Action Plan (Starting Tomorrow)
#### Day 1: Secure Your First 30 Days (€120–€200)
- Book a 1-month Airbnb in Nimman or Santitham (€400–€600). Avoid tourist traps (Old City) and ultra-cheap areas (noise, poor infrastructure).
- Buy a local SIM (AIS or TrueMove) at the airport (€10 for 30GB/month).
- Register for a 30-day visa exemption (if eligible) or apply for a 60-day Tourist Visa (€30–€50 at a Thai consulate before arrival).
#### Week 1: Set Up Logistics (€300–€500)
- Open a Thai bank account (Bangkok Bank or Kasikorn) with a letter from your Airbnb host (€0, but requires patience).
- Rent a scooter (€60–€100/month) or use Bolt/Grab (€2–€5 per ride). Get an international driver’s permit (€20) to avoid police fines.
- Join a coworking space (Punspace or CAMP at Maya Mall, €50–€100/month) to meet other nomads.
- Buy basic household items (€100 at Big C or Makro).
#### Month 1: Find Long-Term Housing & Visa Strategy (€800–€1,200)
- Tour 3–5 condos (€300–€600/month for a 1-bedroom in Nimman or Hang Dong). Negotiate a 6-month lease (landlords prefer long-term tenants).
- Apply for a 1-year ED Visa (€500–€800, includes Thai language classes at Payap University or Pro Language School).
- Get a local phone plan (€15/month for unlimited calls + 50GB data).
- Register for a Thai tax ID (free, required for long-term stays).
#### Month 3: Deepen Local Integration (€400–€700)
- Take a Thai cooking class (€30 at Thai Farm Cooking School) and learn basic Thai (€50 for a private tutor, 10 hours).
- Join a gym or Muay Thai class (€40–€80/month at Santai Gym or Chiang Mai Fight Club).
- Explore beyond the city—rent a car for a weekend (€50) and visit Pai, Chiang Rai, or Doi Inthanon.
- Set up a local health insurance plan (€30–€50 — digital nomads often use SafetyWing as a cost-effective alternative/month with Luma or Cigna Global).
#### Month 6: You Are Settled
- Your routine: Wake up at 7 AM, work from a café (€2 coffee), take a midday break for a €1 street food lunch, then hit the gym or a temple. Evenings are for night markets (€5–€10 dinners) or live music at North Gate Jazz Co-Op.
- Your costs: €1,200–€1,800/month (rent, food, transport, visa, fun).
- Your network: A mix of expats, Thai friends, and fellow nomads—enough to feel connected but not so many that you’re stuck in a bubble.
- Your next steps: Decide if you’ll stay another 6 months (renew ED Visa) or move to a new country (Vietnam, Portugal, or Mexico are common next stops).
Final Scorecard
| Dimension | Score | Why |
|---|---|---|
| Cost vs Western Europe | 9/10 | €1,500/month buys a lifestyle that would cost €3,500+ in Berlin or €4,500+ in Amsterdam. |
| Bureaucracy ease | 5/10 | Visas are manageable (ED Visa is the best hack), but work permits are a nightmare—avoid if you need to legally work for a Thai company. |
| Quality of life | 8/10 | Clean air (outside burning season), great food, and a relaxed pace—but pollution (Feb–April) and healthcare access (outside private hospitals) drag it down. |
| Digital nomad infrastructure | 9/10 | Best in Southeast Asia: 100+ Mbps internet, 20+ coworking spaces, and a community that’s both social and productive. |
| Safety for foreigners | 8/10 | Low violent crime, but scams (