Last update: Oct 2026

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

For one person, living is cheaper in Jinzhou: $744 a month against $859 in Ho Chi Minh City (Saigon), rent and utilities included – about $1,400 less a year. Higher rent and utilities in Ho Chi Minh City (Saigon) outweigh lower spending on other living expenses.

42

Cost of Living Index in Ho Chi Minh City (Saigon)
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Ho Chi Minh City (Saigon) Living Index
36

Cost of Living Index in Jinzhou
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Jinzhou Living Index

Jump to prices

Ho Chi Minh City (Saigon)

🇻🇳 Vietnam

$859

/mo nomad

Jinzhou

🇨🇳 China

$744

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $859 in Ho Chi Minh City (Saigon) versus $744 in Jinzhou.

Ho Chi Minh City (Saigon) $859
Jinzhou $744

Estimated couple costs with rent: $1,395 in Ho Chi Minh City (Saigon) versus $1,182 in Jinzhou.

Ho Chi Minh City (Saigon) $1,395
Jinzhou $1,182

Monthly costs for a family of three with rent: $1,931 in Ho Chi Minh City (Saigon) versus $1,620 in Jinzhou.

Ho Chi Minh City (Saigon) $1,931
Jinzhou $1,620

Living in Ho Chi Minh City (Saigon) is roughly 15% more expensive than in Jinzhou, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Ho Chi Minh City (Saigon) 36% lower, Jinzhou 45% lower.

Meal at Budget Restaurant

$1.91 ₫49.6K

$2.97 ¥19.85

-35.69%

Three-Course Dinner for Two, Mid-Range

$22.84 ₫591.4K

$22.15 ¥148

3.12%

Fast Food Meal (McDonalds, etc)

$4.54 ₫117.6K

$5.11 ¥34.15

-11.15%

Cappuccino

$1.85 ₫48.0K

$2.81 ¥18.81

-34.16%

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

$0.56 ₫14.6K

$0.47 ¥3.16

19.15%

Water (0.33 liter bottle)

$0.32 ₫8,187

$0.31 ¥2.09

3.23%

Local Beer (0.5 liter draught)

$1.06 ₫27.5K

$1.09 ¥7.32

-2.75%

Imported Beer (0.33 liter bottle)

$1.72 ₫44.5K

$2.06 ¥13.75

-16.50%

Milk (1 liter)

$1.66 ₫42.9K

$1.78 ¥11.88

-6.74%

White Bread (500g)

$1.11 ₫28.7K

$1.60 ¥10.68

-30.62%

Rice (white) (1kg)

$1.00 ₫25.9K

$1.02 ¥6.80

-1.96%

Eggs

$1.67 ₫43.2K

$1.67 ¥11.20

Local Cheese (1kg)

$12.08 ₫312.9K

$13.84 ¥92.6

-12.72%

Chicken Fillets (1kg)

$3.68 ₫95.2K

$3.75 ¥25.09

-1.87%

Beef Round Steak (1kg)

$10.24 ₫265.2K

$12.09 ¥80.9

-15.30%

Apples (1kg)

$2.96 ₫76.6K

$1.83 ¥12.25

61.75%

Banana (1kg)

$1.24 ₫32.2K

$1.31 ¥8.78

-5.34%

Oranges (1kg)

$1.56 ₫40.3K

$1.67 ¥11.17

-6.59%

Tomato (1kg)

$1.30 ₫33.6K

$1.28 ¥8.58

1.56%

Potato (1kg)

$1.23 ₫31.9K

$0.71 ¥4.72

73.24%

Onion (1kg)

$1.15 ₫29.8K

$0.95 ¥6.33

21.05%

Lettuce (1 head)

$0.74 ₫19.1K

$0.60 ¥4.03

23.33%

Water (1.5 liter bottle)

$0.56 ₫14.4K

$0.52 ¥3.47

7.69%

Cigarettes 20 Pack (Marlboro, Camel)

$1.24 ₫32.2K

$3.35 ¥22.40

-62.99%

Wine (Bottle)

$12.60 ₫326.2K

$10.49 ¥70.2

20.11%

Local Beer (0.5 liter bottle)

$0.96 ₫24.9K

$0.81 ¥5.43

18.52%

Imported Beer (0.33 liter bottle)

$1.53 ₫39.6K

$1.41 ¥9.44

8.51%

One-way Ticket (Public Transport)

$0.26 ₫6,696

$0.29 ¥1.93

-10.34%

Public Transport Monthly Pass (Regular Price)

$11.51 ₫298.0K

$17.28 ¥116

-33.39%

Taxi Start (Normal Tariff)

$0.75 ₫19.5K

$1.47 ¥9.80

-48.98%

Taxi (Normal Tariff) (1km)

$0.67 ₫17.4K

$0.33 ¥2.18

103.03%

Taxi 1hour Waiting (Normal Tariff)

$3.03 ₫78.5K

$6.27 ¥41.94

-51.67%

Gasoline (1 liter)

$0.96 ₫24.8K

$1.26 ¥8.46

-23.81%

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

$31.1K ₫804.4M

$20.8K ¥139.2K

49.23%

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

$30.4K ₫786.1M

$19.4K ¥129.9K

56.34%

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

$102 ₫2.6M

$61.6 ¥412

65.58%

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

$5.89 ₫152.6K

$9.25 ¥61.8

-36.32%

Internet (50+ Mbps, Unlimited Data)

$10.49 ₫271.7K

$10.62 ¥71.0

-1.22%

Gym Membership (Monthly)

$25.54 ₫661.3K

$37.37 ¥250

-31.66%

Tennis Court (1 Hour on Weekend)

$11.92 ₫308.6K

$13.38 ¥89.5

-10.91%

Cinema Ticket

$3.53 ₫91.4K

$5.58 ¥37.32

-36.74%

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

$436 ₫11.3M

$425 ¥2,843

2.65%

International Primary School, 1 Child (Yearly)

$23.3K ₫602.9M

$15.7K ¥105.0K

48.30%

Jeans (Levis 501 Or Similar)

$52.8 ₫1.4M

$42.31 ¥283

24.68%

Summer Dress (H&M, Zara, etc)

$34.15 ₫884.3K

$30.77 ¥206

10.98%

Sport Shoes (Adidas, Nike)

$90.3 ₫2.3M

$80.1 ¥535

12.75%

Men's Leather Business Shoes

$95.0 ₫2.5M

$64.9 ¥434

46.34%

1-bedroom Apartment, City Center (Monthly)

$589 ₫15.3M

$266 ¥1,776

122.01%

1-bedroom Apartment, Outside City Center (Monthly)

$298 ₫7.7M

$198 ¥1,321

50.74%

3-bedroom Apartment, City Center (Monthly)

$1,292 ₫33.5M

$642 ¥4,293

101.31%

3-bedroom Apartment, Outside City Center (Monthly)

$711 ₫18.4M

$387 ¥2,585

83.85%

Buy Apartment in City Center (m2)

$4,676 ₫121.1M

$3,375 ¥22.6K

38.57%

Buy Apartment Outside City Center (m2)

$1,904 ₫49.3M

$2,212 ¥14.8K

-13.94%

Average Monthly Net Salary (After Tax)

$490 ₫12.7M

$448 ¥2,996

9.28%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.64

3.36

157.14%

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 Jinzhou: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Ho Chi Minh City (Saigon)

$298 34.7%

Jinzhou

$198 26.5% 33.7% $100

Groceries & Markets

Ho Chi Minh City (Saigon)

$207 24.1%

Jinzhou

$212 28.4% 2.1% $4.4

Clothing & Footwear

Ho Chi Minh City (Saigon)

$122 14.3%

Jinzhou

$98 13.2% 19.9% $24

Monthly Utilities & Internet

Ho Chi Minh City (Saigon)

$118 13.8%

Jinzhou

$81 10.9% 31.2% $37

Eating Out

Ho Chi Minh City (Saigon)

$63 7.4%

Jinzhou

$86 11.5% 34.8% $22

Sport & Entertainment

Ho Chi Minh City (Saigon)

$33 3.8%

Jinzhou

$49 6.5% 48.9% $16

Getting Around

Ho Chi Minh City (Saigon)

$17 1.9%

Jinzhou

$22 2.9% 29.4% $4.9

Cost Breakdown

A one-bedroom apartment in the center runs $589 in Ho Chi Minh City (Saigon) and $266 in Jinzhou. Housing cost is often the main lever when comparing two cities.

Ho Chi Minh City (Saigon) pays 9% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $23.00 in Ho Chi Minh City (Saigon) vs $22.00 in Jinzhou. Groceries flip the comparison at $207 vs $212, with Ho Chi Minh City (Saigon) cheaper for home cooking.

Good to know

🇻🇳 Ho Chi Minh City (Saigon)

🇨🇳 Jinzhou

🕒 Local time

16:35 4:35 PM

17:35 5:35 PM

1 h ahead of Ho Chi Minh City (Saigon)

🌤 Weather

👥 Population

9,456,700

2,703,853

💱 Currency

Vietnamese Dong VND ₫

Chinese Yuan CNY ¥

📈 Exchange rate

100,000 VND = 3.86 USD

100,000 VND = 3.45 EUR

1 CNY = 0.15 USD

1 CNY = 0.134 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 15, 2026: 1 USD = 25,894 VND (100,000 VND = 3.86 USD). 1 EUR = 28,997 VND (100,000 VND = 3.45 EUR).

Chinese Yuan exchange rates as of October 15, 2026: 1 USD = 6.69 CNY (1 CNY = 0.15 USD). 1 EUR = 7.49 CNY (1 CNY = 0.134 EUR).

USD to VND in detail →

On the map

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Highest

Between locations

Ho Chi Minh City (Saigon) Jinzhou 3,660 km ≈ 5 h nonstop flight

From you

Ho Chi Minh City (Saigon)
Jinzhou

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 Jinzhou: Cost of Living - Frequently Asked Questions

Jinzhou wins on cost – living expenses run 15% lower than in Ho Chi Minh City (Saigon). Housing and daily spending are where you'll feel the difference most, making Jinzhou the obvious pick if budget is a priority.

Average pay runs 9% higher in Ho Chi Minh City (Saigon), which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $589 in Ho Chi Minh City (Saigon) versus $266 in Jinzhou. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $859 per month in Ho Chi Minh City (Saigon) versus $744 in Jinzhou – a 15% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Jinzhou runs roughly 50% 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 $744 in Jinzhou versus $859 in Ho Chi Minh City (Saigon), a $1,500 budget is realistic in Jinzhou but tight or insufficient in Ho Chi Minh City (Saigon). The gap between the two cities makes Jinzhou the clear choice for anyone on this budget.

Both work as nomad bases, but Jinzhou delivers better value – similar infrastructure at $744 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Jinzhou hard to pass up.

Safety-wise, Ho Chi Minh City (Saigon) and Jinzhou 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 Jinzhou gentler on the wallet – expenses run 15% less than in Ho Chi Minh City (Saigon). Beyond cost, consider language, visa policies, and how big the international community is in each city.