Last update: Oct 2026

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

For one person, living is cheaper in Cadiz: $635 a month against $859 in Ho Chi Minh City (Saigon), rent and utilities included – about $2,700 less a year. Rent and utilities account for most of the difference.

42

Cost of Living Index in Ho Chi Minh City (Saigon)
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Ho Chi Minh City (Saigon) Living Index
31

Cost of Living Index in Cadiz
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Cadiz Living Index

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Ho Chi Minh City (Saigon)

🇻🇳 Vietnam

$859

/mo nomad

Cadiz

🇵🇭 Philippines

$635

/mo nomad

Monthly Cost of Living

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

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

A single person spends $859 per month in Ho Chi Minh City (Saigon) vs $635 in Cadiz, rent included.

Ho Chi Minh City (Saigon) $859
Cadiz $635

A couple spends around $1,395 per month in Ho Chi Minh City (Saigon) vs $973 in Cadiz, rent included.

Ho Chi Minh City (Saigon) $1,395
Cadiz $973

A family of three spends $1,931 per month in Ho Chi Minh City (Saigon) vs $1,311 in Cadiz, rent included.

Ho Chi Minh City (Saigon) $1,931
Cadiz $1,311

Ho Chi Minh City (Saigon) costs about 35% more than Cadiz, and outside of rent the biggest gap is in clothing.

Both Ho Chi Minh City (Saigon) and Cadiz are more affordable than the global median – Ho Chi Minh City (Saigon) 36% lower, Cadiz 53% lower.

Meal at Budget Restaurant

$1.91 ₫49.6K

$2.82 ₱177

-32.27%

Three-Course Dinner for Two, Mid-Range

$22.84 ₫591.2K

$8.06 ₱508

183.37%

Fast Food Meal (McDonalds, etc)

$4.54 ₫117.6K

$3.16 ₱199

43.67%

Cappuccino

$1.85 ₫48.0K

$1.38 ₱87.0

34.06%

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

$0.56 ₫14.6K

$0.42 ₱26.42

33.33%

Water (0.33 liter bottle)

$0.32 ₫8,185

$0.30 ₱19.19

6.67%

Local Beer (0.5 liter draught)

$1.06 ₫27.5K

$1.10 ₱69.2

-3.64%

Imported Beer (0.33 liter bottle)

$1.72 ₫44.5K

$1.78 ₱112

-3.37%

Milk (1 liter)

$1.66 ₫42.9K

$1.61 ₱102

3.11%

White Bread (500g)

$1.11 ₫28.7K

$1.20 ₱75.7

-7.50%

Rice (white) (1kg)

$1.00 ₫25.9K

$0.90 ₱56.4

11.11%

Eggs

$1.67 ₫43.1K

$1.73 ₱109

-3.47%

Local Cheese (1kg)

$12.08 ₫312.8K

$5.81 ₱366

107.92%

Chicken Fillets (1kg)

$3.68 ₫95.2K

$4.18 ₱263

-11.96%

Beef Round Steak (1kg)

$10.24 ₫265.1K

$6.07 ₱382

68.70%

Apples (1kg)

$2.96 ₫76.5K

$3.31 ₱208

-10.57%

Banana (1kg)

$1.24 ₫32.2K

$1.04 ₱65.6

19.23%

Oranges (1kg)

$1.56 ₫40.3K

$2.93 ₱185

-46.76%

Tomato (1kg)

$1.30 ₫33.6K

$1.44 ₱90.8

-9.72%

Potato (1kg)

$1.23 ₫31.9K

$2.37 ₱149

-48.10%

Onion (1kg)

$1.15 ₫29.8K

$2.74 ₱172

-58.03%

Lettuce (1 head)

$0.74 ₫19.1K

$0.38 ₱24.11

94.74%

Water (1.5 liter bottle)

$0.56 ₫14.4K

$0.79 ₱49.45

-29.11%

Cigarettes 20 Pack (Marlboro, Camel)

$1.24 ₫32.1K

$2.51 ₱158

-50.60%

Wine (Bottle)

$12.60 ₫326.1K

$6.49 ₱408

94.14%

Local Beer (0.5 liter bottle)

$0.96 ₫24.9K

$1.10 ₱69.1

-12.73%

Imported Beer (0.33 liter bottle)

$1.53 ₫39.6K

$1.23 ₱77.7

24.39%

One-way Ticket (Public Transport)

$0.26 ₫6,694

$0.26 ₱16.47

Public Transport Monthly Pass (Regular Price)

$11.51 ₫297.9K

$10.59 ₱667

8.69%

Taxi Start (Normal Tariff)

$0.75 ₫19.5K

$0.76 ₱48.16

-1.32%

Taxi (Normal Tariff) (1km)

$0.67 ₫17.4K

$0.34 ₱21.25

97.06%

Taxi 1hour Waiting (Normal Tariff)

$3.03 ₫78.5K

$2.34 ₱147

29.49%

Gasoline (1 liter)

$0.96 ₫24.8K

$1.16 ₱72.8

-17.24%

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

$31.1K ₫804.3M

$21.2K ₱1.3M

46.86%

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

$30.4K ₫785.9M

$19.4K ₱1.2M

56.74%

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

$102 ₫2.6M

$64.0 ₱4,027

59.44%

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

$5.89 ₫152.5K

$9.29 ₱585

-36.60%

Internet (50+ Mbps, Unlimited Data)

$10.49 ₫271.6K

$27.04 ₱1,702

-61.21%

Gym Membership (Monthly)

$25.54 ₫661.2K

$36.68 ₱2,309

-30.37%

Tennis Court (1 Hour on Weekend)

$11.92 ₫308.5K

$4.05 ₱255

194.32%

Cinema Ticket

$3.53 ₫91.3K

$4.91 ₱309

-28.11%

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

$436 ₫11.3M

$32.29 ₱2,033

1251.66%

International Primary School, 1 Child (Yearly)

$23.3K ₫602.8M

$7,387 ₱465.1K

215.23%

Jeans (Levis 501 Or Similar)

$52.8 ₫1.4M

$32.53 ₱2,048

62.16%

Summer Dress (H&M, Zara, etc)

$34.15 ₫884.1K

$19.35 ₱1,219

76.49%

Sport Shoes (Adidas, Nike)

$90.3 ₫2.3M

$56.3 ₱3,544

60.32%

Men's Leather Business Shoes

$95.0 ₫2.5M

$23.62 ₱1,487

302.16%

1-bedroom Apartment, City Center (Monthly)

$589 ₫15.3M

$266 ₱16.7K

121.78%

1-bedroom Apartment, Outside City Center (Monthly)

$298 ₫7.7M

$173 ₱10.9K

72.26%

3-bedroom Apartment, City Center (Monthly)

$1,292 ₫33.5M

$510 ₱32.1K

153.54%

3-bedroom Apartment, Outside City Center (Monthly)

$711 ₫18.4M

$357 ₱22.5K

99.13%

Buy Apartment in City Center (m2)

$4,676 ₫121.1M

$2,383 ₱150.0K

96.24%

Buy Apartment Outside City Center (m2)

$1,904 ₫49.3M

$1,029 ₱64.8K

84.97%

Average Monthly Net Salary (After Tax)

$490 ₫12.7M

$190 ₱12.0K

157.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.64

7.33

17.87%

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

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

Last update for Cadiz: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Ho Chi Minh City (Saigon)

$298 34.7%

Cadiz

$173 27.2% 41.9% $125

Groceries & Markets

Ho Chi Minh City (Saigon)

$207 24.1%

Cadiz

$181 28.6% 12.5% $26

Clothing & Footwear

Ho Chi Minh City (Saigon)

$122 14.3%

Cadiz

$59 9.3% 51.6% $63

Monthly Utilities & Internet

Ho Chi Minh City (Saigon)

$118 13.8%

Cadiz

$100 15.8% 15.3% $18

Eating Out

Ho Chi Minh City (Saigon)

$63 7.4%

Cadiz

$61 9.5% 4.6% $2.9

Sport & Entertainment

Ho Chi Minh City (Saigon)

$33 3.8%

Cadiz

$46 7.3% 42.6% $14

Getting Around

Ho Chi Minh City (Saigon)

$17 1.9%

Cadiz

$14 2.2% 15.4% $2.6

Cost Breakdown

A central one-bedroom costs $589 in Ho Chi Minh City (Saigon) versus $266 in Cadiz. 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 Ho Chi Minh City (Saigon), 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 $23.00 in Ho Chi Minh City (Saigon) versus $8.00 in Cadiz. Monthly groceries follow the same trend: $207 vs $181 – making Cadiz the more affordable choice for daily food spending.

Good to know

🇻🇳 Ho Chi Minh City (Saigon)

🇵🇭 Cadiz

🕒 Local time

11:22 11:22 AM

12:22 12:22 PM

1 h ahead of Ho Chi Minh City (Saigon)

🌤 Weather

👥 Population

9,456,700

154,723

💱 Currency

Vietnamese Dong VND ₫

Philippine Peso PHP ₱

📈 Exchange rate

100,000 VND = 3.86 USD

100,000 VND = 3.44 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, USD, EUR to VND – Vietnamese Dong Converter

🇺🇸 United States Dollar ($)

🇻🇳 Vietnamese Dong (₫)

Vietnamese Dong exchange rates as of October 18, 2026: 1 USD = 25,889 VND (100,000 VND = 3.86 USD). 1 EUR = 29,105 VND (100,000 VND = 3.44 EUR).

Philippine Peso exchange rates as of October 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

USD to VND in detail →

On the map

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Highest

Between locations

Ho Chi Minh City (Saigon) Cadiz 1,810 km ≈ 2 h 45 min nonstop flight

From you

Ho Chi Minh City (Saigon)
Cadiz

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

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

Ho Chi Minh City (Saigon) costs about 35% more than Cadiz, and outside of rent the gap comes mainly from clothing. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,288 per month in Ho Chi Minh City (Saigon) and $953 in Cadiz. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Cadiz, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 14% more in Ho Chi Minh City (Saigon), though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $23.00 in Ho Chi Minh City (Saigon) and $8.00 in Cadiz. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,000 monthly budget goes further in Cadiz, where all-in costs run around $635, than in Ho Chi Minh City (Saigon) at $859. In Cadiz it covers expenses comfortably, while in Ho Chi Minh City (Saigon) it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Cadiz costs $635 versus $859 in Ho Chi Minh City (Saigon). 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 Cadiz. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ho Chi Minh City (Saigon) makes more sense. Both are solid long-term options with distinct trade-offs.