Last update: Oct 2026

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

For one person, living is cheaper in Jinan: $640 a month against $862 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)
Learn more

Ho Chi Minh City (Saigon) Living Index
31

Cost of Living Index in Jinan
Learn more

Jinan Living Index

Jump to prices

Ho Chi Minh City (Saigon)

🇻🇳 Vietnam

$862

/mo nomad

Jinan

🇨🇳 China

$640

/mo nomad

Monthly Cost of Living

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

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 Jinan actually costs, broken down by who's living it.

Monthly costs for one person with rent: $862 in Ho Chi Minh City (Saigon) versus $640 in Jinan.

Ho Chi Minh City (Saigon) $862
Jinan $640

Estimated couple costs with rent: $1,410 in Ho Chi Minh City (Saigon) versus $1,061 in Jinan.

Ho Chi Minh City (Saigon) $1,410
Jinan $1,061

Monthly costs for a family of three with rent: $1,958 in Ho Chi Minh City (Saigon) versus $1,481 in Jinan.

Ho Chi Minh City (Saigon) $1,958
Jinan $1,481

Living in Ho Chi Minh City (Saigon) is roughly 35% more expensive than in Jinan, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Ho Chi Minh City (Saigon) 36% lower, Jinan 53% lower.

Meal at Budget Restaurant

$1.98 ₫51.3K

$2.47 ¥16.49

-19.84%

Three-Course Dinner for Two, Mid-Range

$23.14 ₫599.0K

$24.86 ¥166

-6.92%

Fast Food Meal (McDonalds, etc)

$4.76 ₫123.2K

$5.02 ¥33.54

-5.18%

Cappuccino

$1.86 ₫48.1K

$2.66 ¥17.80

-30.08%

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

$0.51 ₫13.3K

$0.43 ¥2.86

18.60%

Water (0.33 liter bottle)

$0.32 ₫8,191

$0.23 ¥1.54

39.13%

Local Beer (0.5 liter draught)

$1.03 ₫26.7K

$0.94 ¥6.30

9.57%

Imported Beer (0.33 liter bottle)

$1.71 ₫44.4K

$1.97 ¥13.17

-13.20%

Milk (1 liter)

$1.58 ₫40.8K

$1.49 ¥9.96

6.04%

White Bread (500g)

$1.09 ₫28.3K

$1.43 ¥9.56

-23.78%

Rice (white) (1kg)

$1.05 ₫27.2K

$1.23 ¥8.22

-14.63%

Eggs

$1.64 ₫42.6K

$1.11 ¥7.39

47.75%

Local Cheese (1kg)

$12.33 ₫319.2K

$11.64 ¥77.8

5.93%

Chicken Fillets (1kg)

$3.58 ₫92.6K

$3.30 ¥22.08

8.48%

Beef Round Steak (1kg)

$10.56 ₫273.3K

$11.15 ¥74.5

-5.29%

Apples (1kg)

$2.97 ₫76.9K

$1.39 ¥9.28

113.67%

Banana (1kg)

$1.26 ₫32.7K

$1.02 ¥6.80

23.53%

Oranges (1kg)

$1.62 ₫42.0K

$1.42 ¥9.52

14.08%

Tomato (1kg)

$1.31 ₫33.8K

$1.10 ¥7.37

19.09%

Potato (1kg)

$1.19 ₫30.8K

$0.58 ¥3.88

105.17%

Onion (1kg)

$1.14 ₫29.6K

$0.73 ¥4.89

56.16%

Lettuce (1 head)

$0.73 ₫18.8K

$0.54 ¥3.60

35.19%

Water (1.5 liter bottle)

$0.56 ₫14.6K

$0.63 ¥4.20

-11.11%

Cigarettes 20 Pack (Marlboro, Camel)

$1.28 ₫33.0K

$3.84 ¥25.67

-66.67%

Wine (Bottle)

$12.46 ₫322.5K

$9.96 ¥66.6

25.10%

Local Beer (0.5 liter bottle)

$0.96 ₫24.9K

$0.72 ¥4.78

33.33%

Imported Beer (0.33 liter bottle)

$1.48 ₫38.3K

$1.31 ¥8.73

12.98%

One-way Ticket (Public Transport)

$0.26 ₫6,704

$0.31 ¥2.08

-16.13%

Public Transport Monthly Pass (Regular Price)

$11.43 ₫296.0K

$9.17 ¥61.3

24.65%

Taxi Start (Normal Tariff)

$0.68 ₫17.7K

$1.53 ¥10.22

-55.56%

Taxi (Normal Tariff) (1km)

$0.62 ₫16.1K

$0.27 ¥1.82

129.63%

Taxi 1hour Waiting (Normal Tariff)

$3.00 ₫77.7K

$4.61 ¥30.83

-34.92%

Gasoline (1 liter)

$0.91 ₫23.5K

$1.31 ¥8.78

-30.53%

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

$30.6K ₫791.4M

$19.7K ¥131.6K

55.37%

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

$29.4K ₫760.1M

$15.2K ¥101.5K

93.38%

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

$104 ₫2.7M

$72.3 ¥483

43.59%

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

$5.79 ₫149.9K

$6.66 ¥44.52

-13.06%

Internet (50+ Mbps, Unlimited Data)

$10.48 ₫271.3K

$4.99 ¥33.34

110.02%

Gym Membership (Monthly)

$26.08 ₫675.1K

$24.45 ¥164

6.67%

Tennis Court (1 Hour on Weekend)

$11.90 ₫308.1K

$8.77 ¥58.6

35.69%

Cinema Ticket

$3.89 ₫100.7K

$5.10 ¥34.09

-23.73%

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

$440 ₫11.4M

$217 ¥1,452

102.60%

International Primary School, 1 Child (Yearly)

$24.1K ₫622.7M

$19.9K ¥133.0K

20.92%

Jeans (Levis 501 Or Similar)

$50.9 ₫1.3M

$33.72 ¥225

50.98%

Summer Dress (H&M, Zara, etc)

$35.18 ₫910.8K

$43.11 ¥288

-18.39%

Sport Shoes (Adidas, Nike)

$92.1 ₫2.4M

$71.4 ¥477

29.06%

Men's Leather Business Shoes

$96.5 ₫2.5M

$69.0 ¥462

39.75%

1-bedroom Apartment, City Center (Monthly)

$582 ₫15.1M

$248 ¥1,660

134.52%

1-bedroom Apartment, Outside City Center (Monthly)

$297 ₫7.7M

$146 ¥973

103.85%

3-bedroom Apartment, City Center (Monthly)

$1,298 ₫33.6M

$609 ¥4,073

113.05%

3-bedroom Apartment, Outside City Center (Monthly)

$727 ₫18.8M

$362 ¥2,423

100.62%

Buy Apartment in City Center (m2)

$4,782 ₫123.8M

$2,475 ¥16.6K

93.20%

Buy Apartment Outside City Center (m2)

$1,853 ₫48.0M

$1,308 ¥8,743

41.73%

Average Monthly Net Salary (After Tax)

$490 ₫12.7M

$962 ¥6,433

-49.08%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.64

3.13

176.04%

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

Last update for Ho Chi Minh City (Saigon): October 17, 2026

Last update for Jinan: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ho Chi Minh City (Saigon)

$297 34.4%

Jinan

$146 22.7% 50.9% $151

Groceries & Markets

Ho Chi Minh City (Saigon)

$208 24.1%

Jinan

$187 29.2% 10.1% $21

Clothing & Footwear

Ho Chi Minh City (Saigon)

$124 14.3%

Jinan

$98 15.3% 20.9% $26

Monthly Utilities & Internet

Ho Chi Minh City (Saigon)

$120 13.9%

Jinan

$84 13.1% 30.1% $36

Eating Out

Ho Chi Minh City (Saigon)

$64 7.5%

Jinan

$78 12.2% 21.2% $14

Sport & Entertainment

Ho Chi Minh City (Saigon)

$34 3.9%

Jinan

$35 5.4% 2.3% $0.8

Getting Around

Ho Chi Minh City (Saigon)

$16 1.9%

Jinan

$13 2.1% 18.2% $3

Cost Breakdown

A one-bedroom apartment in the center runs $582 in Ho Chi Minh City (Saigon) and $248 in Jinan. Housing cost is often the main lever when comparing two cities.

Jinan pays 96% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $23.00 in Ho Chi Minh City (Saigon) vs $25.00 in Jinan. Groceries flip the comparison at $208 vs $187, with Jinan cheaper for home cooking.

Good to know

🇻🇳 Ho Chi Minh City (Saigon)

🇨🇳 Jinan

🕒 Local time

02:45 2:45 AM

03:45 3:45 AM

1 h ahead of Ho Chi Minh City (Saigon)

🌤 Weather

👥 Population

9,456,700

9,202,432

💱 Currency

Vietnamese Dong VND ₫

Chinese Yuan CNY ¥

📈 Exchange rate

100,000 VND = 3.86 USD

100,000 VND = 3.44 EUR

1 CNY = 0.15 USD

1 CNY = 0.133 EUR

Exchange rates and currency converter

CNY, USD, EUR to VND – Vietnamese Dong Converter

🇺🇸 United States Dollar ($)

🇻🇳 Vietnamese Dong (₫)

Vietnamese Dong exchange rates as of October 20, 2026: 1 USD = 25,889 VND (100,000 VND = 3.86 USD). 1 EUR = 29,105 VND (100,000 VND = 3.44 EUR).

Chinese Yuan exchange rates as of October 20, 2026: 1 USD = 6.69 CNY (1 CNY = 0.15 USD). 1 EUR = 7.52 CNY (1 CNY = 0.133 EUR).

USD to VND in detail →

On the map

Lowest

Highest

Between locations

Ho Chi Minh City (Saigon) Jinan 3,060 km ≈ 4 h 15 min nonstop flight

From you

Ho Chi Minh City (Saigon)
Jinan

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 Jinan: Cost of Living - Frequently Asked Questions

Jinan wins on cost – living expenses run 35% lower than in Ho Chi Minh City (Saigon). Housing and daily spending are where you'll feel the difference most, making Jinan the obvious pick if budget is a priority.

On paper, salaries run 96% lower in Jinan. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $582 in Ho Chi Minh City (Saigon) versus $248 in Jinan. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $862 per month in Ho Chi Minh City (Saigon) versus $640 in Jinan – a 35% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Jinan runs roughly 25% less than in Ho Chi Minh City (Saigon). Both cities have functional networks, but the price difference matters if you're watching your budget.

At $640 in Jinan versus $862 in Ho Chi Minh City (Saigon), a $1,000 budget is realistic in Jinan but tight or insufficient in Ho Chi Minh City (Saigon). The gap between the two cities makes Jinan the clear choice for anyone on this budget.

Both work as nomad bases, but Jinan delivers better value – similar infrastructure at $640 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Jinan hard to pass up.

Safety-wise, Ho Chi Minh City (Saigon) and Jinan 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 Jinan gentler on the wallet – expenses run 35% less than in Ho Chi Minh City (Saigon). Beyond cost, consider language, visa policies, and how big the international community is in each city.