Last update: Oct 2026

Cost of Living Comparison Between Derby and Ho Chi Minh City (Saigon)

For one person, living is cheaper in Ho Chi Minh City (Saigon): $859 a month against $2,318 in Derby, rent and utilities included – about $17,500 less a year. Rent and utilities account for most of the difference.

121

Cost of Living Index in Derby
Learn more

Derby Living Index
42

Cost of Living Index in Ho Chi Minh City (Saigon)
Learn more

Ho Chi Minh City (Saigon) Living Index

Jump to prices

Derby

🇦🇺 Australia

$2,318

/mo nomad

Ho Chi Minh City (Saigon)

🇻🇳 Vietnam

$859

/mo nomad

Monthly Cost of Living

How much you'll spend in Derby and in Ho Chi Minh City (Saigon)

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Derby and in Ho Chi Minh City (Saigon) actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,318 in Derby versus $859 in Ho Chi Minh City (Saigon).

Derby $2,318
Ho Chi Minh City (Saigon) $859

Estimated couple costs with rent: $3,507 in Derby versus $1,395 in Ho Chi Minh City (Saigon).

Derby $3,507
Ho Chi Minh City (Saigon) $1,395

Monthly costs for a family of three with rent: $4,696 in Derby versus $1,931 in Ho Chi Minh City (Saigon).

Derby $4,696
Ho Chi Minh City (Saigon) $1,931

Living in Derby is roughly 170% more expensive than in Ho Chi Minh City (Saigon), and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Derby is 72% above, Ho Chi Minh City (Saigon) is 36% below.

Meal at Budget Restaurant

$18.32 A$26.25

$1.91 ₫49.7K

859.16%

Three-Course Dinner for Two, Mid-Range

$77.8 A$111

$22.84 ₫592.3K

240.50%

Fast Food Meal (McDonalds, etc)

$10.79 A$15.45

$4.54 ₫117.8K

137.67%

Cappuccino

$3.96 A$5.67

$1.85 ₫48.1K

114.05%

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

$3.03 A$4.35

$0.56 ₫14.6K

441.07%

Water (0.33 liter bottle)

$1.91 A$2.74

$0.32 ₫8,199

496.87%

Local Beer (0.5 liter draught)

$7.31 A$10.47

$1.06 ₫27.5K

589.62%

Imported Beer (0.33 liter bottle)

$7.47 A$10.71

$1.72 ₫44.6K

334.30%

Milk (1 liter)

$1.75 A$2.50

$1.66 ₫42.9K

5.42%

White Bread (500g)

$2.86 A$4.10

$1.11 ₫28.7K

157.66%

Rice (white) (1kg)

$2.08 A$2.98

$1.00 ₫26.0K

108.00%

Eggs

$4.62 A$6.62

$1.67 ₫43.2K

176.65%

Local Cheese (1kg)

$9.77 A$13.99

$12.08 ₫313.3K

-19.12%

Chicken Fillets (1kg)

$8.94 A$12.80

$3.68 ₫95.4K

142.93%

Beef Round Steak (1kg)

$13.60 A$19.48

$10.24 ₫265.6K

32.81%

Apples (1kg)

$3.48 A$4.98

$2.96 ₫76.7K

17.57%

Banana (1kg)

$2.98 A$4.28

$1.24 ₫32.2K

140.32%

Oranges (1kg)

$3.36 A$4.81

$1.56 ₫40.4K

115.38%

Tomato (1kg)

$4.69 A$6.72

$1.30 ₫33.6K

260.77%

Potato (1kg)

$2.48 A$3.56

$1.23 ₫31.9K

101.63%

Onion (1kg)

$2.46 A$3.53

$1.15 ₫29.9K

113.91%

Lettuce (1 head)

$2.35 A$3.37

$0.74 ₫19.1K

217.57%

Water (1.5 liter bottle)

$1.73 A$2.48

$0.56 ₫14.4K

208.93%

Cigarettes 20 Pack (Marlboro, Camel)

$40.51 A$58.0

$1.24 ₫32.2K

3166.94%

Wine (Bottle)

$15.55 A$22.27

$12.60 ₫326.7K

23.41%

Local Beer (0.5 liter bottle)

$4.83 A$6.93

$0.96 ₫24.9K

403.13%

Imported Beer (0.33 liter bottle)

$5.65 A$8.09

$1.53 ₫39.6K

269.28%

One-way Ticket (Public Transport)

$2.54 A$3.64

$0.26 ₫6,706

876.92%

Public Transport Monthly Pass (Regular Price)

$87.6 A$125

$11.51 ₫298.4K

660.73%

Taxi Start (Normal Tariff)

$3.03 A$4.35

$0.75 ₫19.5K

304.00%

Taxi (Normal Tariff) (1km)

$1.55 A$2.22

$0.67 ₫17.4K

131.34%

Taxi 1hour Waiting (Normal Tariff)

$37.67 A$54.0

$3.03 ₫78.7K

1143.23%

Gasoline (1 liter)

$1.16 A$1.67

$0.96 ₫24.8K

20.83%

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

$24.0K A$34.4K

$31.1K ₫805.7M

-22.76%

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

$30.8K A$44.1K

$30.4K ₫787.3M

1.29%

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

$177 A$253

$102 ₫2.6M

73.42%

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

$24.66 A$35.32

$5.89 ₫152.8K

318.68%

Internet (50+ Mbps, Unlimited Data)

$59.9 A$85.9

$10.49 ₫272.1K

471.31%

Gym Membership (Monthly)

$48.44 A$69.4

$25.54 ₫662.3K

89.66%

Tennis Court (1 Hour on Weekend)

$15.35 A$21.98

$11.92 ₫309.1K

28.78%

Cinema Ticket

$13.46 A$19.27

$3.53 ₫91.5K

281.30%

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

$2,070 A$2,965

$436 ₫11.3M

374.26%

International Primary School, 1 Child (Yearly)

$18.4K A$26.4K

$23.3K ₫603.9M

-20.96%

Jeans (Levis 501 Or Similar)

$67.0 A$96.0

$52.8 ₫1.4M

27.03%

Summer Dress (H&M, Zara, etc)

$62.2 A$89.1

$34.15 ₫885.7K

82.11%

Sport Shoes (Adidas, Nike)

$91.0 A$130

$90.3 ₫2.3M

0.85%

Men's Leather Business Shoes

$131 A$188

$95.0 ₫2.5M

38.41%

1-bedroom Apartment, City Center (Monthly)

$1,518 A$2,174

$589 ₫15.3M

157.46%

1-bedroom Apartment, Outside City Center (Monthly)

$1,048 A$1,501

$298 ₫7.7M

251.91%

3-bedroom Apartment, City Center (Monthly)

$2,154 A$3,086

$1,292 ₫33.5M

66.70%

3-bedroom Apartment, Outside City Center (Monthly)

$1,853 A$2,654

$711 ₫18.4M

160.73%

Buy Apartment in City Center (m2)

$5,285 A$7,571

$4,676 ₫121.3M

13.02%

Buy Apartment Outside City Center (m2)

$4,699 A$6,731

$1,904 ₫49.4M

146.81%

Average Monthly Net Salary (After Tax)

$490 ₫12.7M

20-Year Fixed Mortgage Interest Rate (Annual %)

5.84

8.64

-32.41%

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

Last update for Derby: October 11, 2026

Last update for Ho Chi Minh City (Saigon): October 10, 2026

Monthly budget structure

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

Accommodation & Living

Derby

$1K 45.2%

Ho Chi Minh City (Saigon)

$298 34.7% 71.6% $750

Groceries & Markets

Derby

$369 15.9%

Ho Chi Minh City (Saigon)

$207 24.1% 43.8% $162

Eating Out

Derby

$298 12.8%

Ho Chi Minh City (Saigon)

$63 7.4% 78.7% $234

Monthly Utilities & Internet

Derby

$261 11.3%

Ho Chi Minh City (Saigon)

$118 13.8% 54.7% $143

Clothing & Footwear

Derby

$158 6.8%

Ho Chi Minh City (Saigon)

$122 14.3% 22.6% $36

Getting Around

Derby

$109 4.7%

Ho Chi Minh City (Saigon)

$17 1.9% 84.7% $92

Sport & Entertainment

Derby

$75 3.3%

Ho Chi Minh City (Saigon)

$33 3.8% 56.7% $43

Cost Breakdown

A one-bedroom apartment in the center runs $1,518 in Derby and $589 in Ho Chi Minh City (Saigon). Housing cost is often the main lever when comparing two cities.

Dining out: $78.0 in Derby vs $23.00 in Ho Chi Minh City (Saigon) for a mid-range dinner for two. Groceries echo the gap at $369 vs $207 per month, with Ho Chi Minh City (Saigon) cheaper across the board.

Good to know

🇦🇺 Derby

🇻🇳 Ho Chi Minh City (Saigon)

🕒 Local time

03:10 3:10 AM

02:10 2:10 AM

1 h behind Derby

🌤 Weather

👥 Population

3,300

9,456,700

💱 Currency

Australian Dollar AUD $

Vietnamese Dong VND ₫

📈 Exchange rate

1 AUD = 0.698 USD

1 AUD = 0.625 EUR

100,000 VND = 3.86 USD

100,000 VND = 3.45 EUR

Exchange rates and currency converter

VND, USD, EUR to AUD – Australian Dollar Converter

🇺🇸 United States Dollar ($)

🇦🇺 Australian Dollar ($)

Australian Dollar exchange rates as of October 13, 2026: 1 USD = 1.43 AUD (1 AUD = 0.698 USD). 1 EUR = 1.6 AUD (1 AUD = 0.625 EUR).

Vietnamese Dong exchange rates as of October 13, 2026: 1 USD = 25,934 VND (100,000 VND = 3.86 USD). 1 EUR = 28,951 VND (100,000 VND = 3.45 EUR).

USD to AUD in detail →

On the map

Lowest

Highest

Between locations

Derby Ho Chi Minh City (Saigon) 3,630 km ≈ 5 h nonstop flight

From you

Derby
Ho Chi Minh City (Saigon)

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

Derby vs Ho Chi Minh City (Saigon): Cost of Living - Frequently Asked Questions

Derby and Ho Chi Minh City (Saigon) differ by about 170% in total monthly costs ($2,318 vs $859 including rent). Ho Chi Minh City (Saigon) is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $3,477 in Derby and $1,288 in Ho Chi Minh City (Saigon) to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,518 in Derby versus $589 in Ho Chi Minh City (Saigon). Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 78% higher in Derby. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ho Chi Minh City (Saigon) – a meal for two runs $23.00 versus $78.0 in Derby. If you eat out regularly, this makes a real dent in your monthly spending.

At $859 in Ho Chi Minh City (Saigon) versus $2,318 in Derby, a $1,000 budget is realistic in Ho Chi Minh City (Saigon) but tight or insufficient in Derby. The gap between the two cities makes Ho Chi Minh City (Saigon) the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Derby and Ho Chi Minh City (Saigon) are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ho Chi Minh City (Saigon) gentler on the wallet – expenses run 170% less than in Derby. Beyond cost, consider language, visa policies, and how big the international community is in each city.