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

Monthly Cost of Living

Monthly costs for one person with rent: $839 in Ho Chi Minh City (Saigon) versus $722 in Bac Kan.

Estimated couple costs with rent: $1,328 in Ho Chi Minh City (Saigon) versus $1,132 in Bac Kan.

Monthly costs for a family of three with rent: $1,817 in Ho Chi Minh City (Saigon) versus $1,541 in Bac Kan.

Living in Ho Chi Minh City (Saigon) is roughly 16% more expensive than Bac Kan, driven mainly by Eating Out.

Both cities sit below the global median: Ho Chi Minh City (Saigon) 37% lower, Bac Kan 46% lower.

Meal at Budget Restaurant

$1.97 ₫51.6K

$1.14 ₫30.0K

72.81%

Three-Course Dinner for Two, Mid-Range

$23.04 ₫605.2K

$27.34 ₫718.0K

-15.73%

Fast Food Meal (McDonalds, etc)

$4.68 ₫122.8K

$4.54 ₫119.2K

3.08%

Cappuccino

$1.69 ₫44.5K

$0.79 ₫20.8K

113.92%

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

$0.51 ₫13.5K

$0.25 ₫6,530

104.00%

Water (0.33 liter bottle)

$0.30 ₫7,960

$0.27 ₫7,161

11.11%

Local Beer (0.5 liter draught)

$1.03 ₫27.1K

$1.00 ₫26.2K

3.00%

Imported Beer (0.33 liter bottle)

$1.52 ₫40.0K

$1.01 ₫26.5K

50.50%

Milk (1 liter)

$1.45 ₫38.2K

$1.42 ₫37.2K

2.11%

White Bread (500g)

$0.98 ₫25.7K

$0.93 ₫24.4K

5.38%

Rice (white) (1kg)

$0.98 ₫25.9K

$0.90 ₫23.7K

8.89%

Eggs

$1.41 ₫37.1K

$1.52 ₫39.9K

-7.24%

Local Cheese (1kg)

$11.86 ₫311.5K

$9.36 ₫245.8K

26.71%

Chicken Fillets (1kg)

$3.72 ₫97.6K

$3.82 ₫100.3K

-2.62%

Beef Round Steak (1kg)

$10.51 ₫275.9K

$9.30 ₫244.3K

13.01%

Apples (1kg)

$2.73 ₫71.8K

$3.35 ₫87.8K

-18.51%

Banana (1kg)

$1.14 ₫30.0K

$1.06 ₫27.7K

7.55%

Oranges (1kg)

$1.35 ₫35.4K

$1.57 ₫41.1K

-14.01%

Tomato (1kg)

$1.17 ₫30.7K

$1.08 ₫28.4K

8.33%

Potato (1kg)

$1.16 ₫30.5K

$1.02 ₫26.9K

13.73%

Onion (1kg)

$1.17 ₫30.6K

$1.00 ₫26.4K

17.00%

Lettuce (1 head)

$0.76 ₫20.0K

$0.52 ₫13.6K

46.15%

Water (1.5 liter bottle)

$0.50 ₫13.2K

$0.57 ₫15.0K

-12.28%

Cigarettes 20 Pack (Marlboro, Camel)

$1.21 ₫31.9K

$1.38 ₫36.2K

-12.32%

Wine (Bottle)

$12.93 ₫339.6K

$14.42 ₫378.8K

-10.33%

Local Beer (0.5 liter bottle)

$0.90 ₫23.6K

Imported Beer (0.33 liter bottle)

$1.42 ₫37.2K

$1.81 ₫47.5K

-21.55%

One-way Ticket (Public Transport)

$0.26 ₫6,799

$0.32 ₫8,345

-18.75%

Public Transport Monthly Pass (Regular Price)

$10.73 ₫281.9K

$6.69 ₫175.7K

60.39%

Taxi Start (Normal Tariff)

$0.72 ₫18.8K

$0.79 ₫20.8K

-8.86%

Taxi (Normal Tariff) (1km)

$0.65 ₫16.9K

$0.61 ₫16.0K

6.56%

Taxi 1hour Waiting (Normal Tariff)

$3.16 ₫83.0K

$1.60 ₫42.1K

97.50%

Gasoline (1 liter)

$0.88 ₫23.2K

$0.83 ₫21.8K

6.02%

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

$37.9K ₫994.3M

$38.5K ₫1.0B

-1.56%

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

$33.7K ₫884.1M

$32.3K ₫847.3M

4.35%

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

$85.5 ₫2.2M

$79.5 ₫2.1M

7.63%

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

$5.97 ₫156.8K

$5.34 ₫140.3K

11.80%

Internet (50+ Mbps, Unlimited Data)

$9.41 ₫247.2K

$8.99 ₫236.1K

4.67%

Gym Membership (Monthly)

$20.92 ₫549.5K

$21.04 ₫552.6K

-0.57%

Tennis Court (1 Hour on Weekend)

$9.18 ₫241.2K

$7.83 ₫205.5K

17.24%

Cinema Ticket

$4.09 ₫107.5K

$3.87 ₫101.6K

5.68%

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

$276 ₫7.2M

$263 ₫6.9M

4.87%

International Primary School, 1 Child (Yearly)

$14.2K ₫374.1M

$11.5K ₫302.3M

23.78%

Jeans (Levis 501 Or Similar)

$41.67 ₫1.1M

$44.30 ₫1.2M

-5.94%

Summer Dress (H&M, Zara, etc)

$27.51 ₫722.5K

$23.31 ₫612.2K

18.02%

Sport Shoes (Adidas, Nike)

$96.0 ₫2.5M

$87.6 ₫2.3M

9.58%

Men's Leather Business Shoes

$85.7 ₫2.3M

$72.0 ₫1.9M

19.10%

1-bedroom Apartment, City Center (Monthly)

$532 ₫14.0M

$362 ₫9.5M

46.76%

1-bedroom Apartment, Outside City Center (Monthly)

$306 ₫8.0M

$250 ₫6.6M

22.50%

3-bedroom Apartment, City Center (Monthly)

$1,107 ₫29.1M

$694 ₫18.2M

59.48%

3-bedroom Apartment, Outside City Center (Monthly)

$657 ₫17.3M

$459 ₫12.1M

43.16%

Buy Apartment in City Center (m2)

$4,113 ₫108.0M

$3,012 ₫79.1M

36.55%

Buy Apartment Outside City Center (m2)

$1,909 ₫50.1M

$1,483 ₫39.0M

28.67%

Average Monthly Net Salary (After Tax)

$481 ₫12.6M

20-Year Fixed Mortgage Interest Rate (Annual %)

9.14

9.1

0.44%

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

Last update for Ho Chi Minh City (Saigon): April 28, 2026

Last update for Bac Kan: April 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $532 in Ho Chi Minh City (Saigon) and $362 in Bac Kan. Housing cost is often the main lever when comparing two cities.

Dining out: $23.00 in Ho Chi Minh City (Saigon) vs $27.00 in Bac Kan. Groceries flip the comparison at $199 vs $194, with Bac Kan cheaper for home cooking.

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

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

Bac Kan is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Eating Out, Sport & Entertainment, Getting Around. The 16% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,259 in Ho Chi Minh City (Saigon) and $1,083 in Bac Kan 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: $532 in Ho Chi Minh City (Saigon) versus $362 in Bac Kan. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Bac Kan – a meal for two runs $27.00 versus $23.00 in Ho Chi Minh City (Saigon). If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $839 per month in Ho Chi Minh City (Saigon) versus $722 in Bac Kan – a 16% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,000 a month, though Bac Kan gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

For families, Bac Kan is more practical. Housing and childcare are both notably cheaper than in Ho Chi Minh City (Saigon), and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ho Chi Minh City (Saigon) and Bac Kan 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 Bac Kan gentler on the wallet – expenses run 16% less than in Ho Chi Minh City (Saigon). Beyond cost, consider language, visa policies, and how big the international community is in each city.