Last update: Oct 2026

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

For one person, living is cheaper in Loznica: $768 a month against $853 in Ho Chi Minh City (Saigon), rent and utilities included – about $1,000 less a year. Rent and utilities account for most of the difference.

41

Cost of Living Index in Ho Chi Minh City (Saigon)
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Ho Chi Minh City (Saigon) Living Index
37

Cost of Living Index in Loznica
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Loznica Living Index

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Ho Chi Minh City (Saigon)

🇻🇳 Vietnam

$853

/mo nomad

Loznica

🇷🇸 Serbia

$768

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $853 in Ho Chi Minh City (Saigon) versus $768 in Loznica.

Ho Chi Minh City (Saigon) $853
Loznica $768

Estimated couple costs with rent: $1,391 in Ho Chi Minh City (Saigon) versus $1,171 in Loznica.

Ho Chi Minh City (Saigon) $1,391
Loznica $1,171

Monthly costs for a family of three with rent: $1,930 in Ho Chi Minh City (Saigon) versus $1,574 in Loznica.

Ho Chi Minh City (Saigon) $1,930
Loznica $1,574

Living in Ho Chi Minh City (Saigon) is roughly 11% more expensive than in Loznica, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: Ho Chi Minh City (Saigon) 37% lower, Loznica 44% lower.

Meal at Budget Restaurant

$1.91 ₫49.3K

$3.60 RSD 377

-46.94%

Three-Course Dinner for Two, Mid-Range

$22.93 ₫592.4K

$32.88 RSD 3,448

-30.26%

Fast Food Meal (McDonalds, etc)

$4.69 ₫121.2K

$11.22 RSD 1,177

-58.20%

Cappuccino

$1.80 ₫46.5K

$1.57 RSD 165

14.65%

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

$0.55 ₫14.3K

$1.85 RSD 194

-70.27%

Water (0.33 liter bottle)

$0.34 ₫8,812

$1.70 RSD 178

-80.00%

Local Beer (0.5 liter draught)

$1.03 ₫26.7K

$2.34 RSD 245

-55.98%

Imported Beer (0.33 liter bottle)

$1.72 ₫44.4K

$2.85 RSD 299

-39.65%

Milk (1 liter)

$1.67 ₫43.1K

$1.09 RSD 114

53.21%

White Bread (500g)

$1.09 ₫28.2K

$0.54 RSD 56.7

101.85%

Rice (white) (1kg)

$1.06 ₫27.3K

$1.36 RSD 143

-22.06%

Eggs

$1.60 ₫41.3K

$1.88 RSD 197

-14.89%

Local Cheese (1kg)

$12.08 ₫312.1K

$8.12 RSD 852

48.77%

Chicken Fillets (1kg)

$3.66 ₫94.5K

$5.81 RSD 609

-37.01%

Beef Round Steak (1kg)

$10.35 ₫267.3K

$9.46 RSD 992

9.41%

Apples (1kg)

$3.01 ₫77.7K

$0.87 RSD 90.8

245.98%

Banana (1kg)

$1.26 ₫32.6K

$1.63 RSD 171

-22.70%

Oranges (1kg)

$1.62 ₫41.9K

$1.13 RSD 118

43.36%

Tomato (1kg)

$1.27 ₫32.7K

$1.20 RSD 126

5.83%

Potato (1kg)

$1.18 ₫30.5K

$1.03 RSD 108

14.56%

Onion (1kg)

$1.19 ₫30.7K

$0.61 RSD 63.8

95.08%

Lettuce (1 head)

$0.78 ₫20.1K

$0.59 RSD 61.5

32.20%

Water (1.5 liter bottle)

$0.55 ₫14.3K

$0.50 RSD 51.9

10.00%

Cigarettes 20 Pack (Marlboro, Camel)

$1.26 ₫32.5K

$4.04 RSD 424

-68.81%

Wine (Bottle)

$12.85 ₫331.9K

$4.46 RSD 468

188.12%

Local Beer (0.5 liter bottle)

$0.90 ₫23.1K

$0.82 RSD 86.4

9.76%

Imported Beer (0.33 liter bottle)

$1.46 ₫37.6K

$2.33 RSD 244

-37.34%

One-way Ticket (Public Transport)

$0.28 ₫7,260

$0.95 RSD 99.2

-70.53%

Public Transport Monthly Pass (Regular Price)

$11.42 ₫295.0K

Taxi Start (Normal Tariff)

$0.70 ₫18.2K

$1.90 RSD 199

-63.16%

Taxi (Normal Tariff) (1km)

$0.63 ₫16.3K

$1.04 RSD 109

-39.42%

Taxi 1hour Waiting (Normal Tariff)

$3.09 ₫79.8K

$6.70 RSD 703

-53.88%

Gasoline (1 liter)

$0.95 ₫24.6K

$1.77 RSD 185

-46.33%

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

$30.5K ₫788.3M

$30.8K RSD 3.2M

-0.89%

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

$29.7K ₫767.8M

$25.5K RSD 2.7M

16.72%

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

$102 ₫2.6M

$111 RSD 11.7K

-8.03%

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

$5.65 ₫145.8K

$15.29 RSD 1,604

-63.05%

Internet (50+ Mbps, Unlimited Data)

$10.43 ₫269.5K

$16.31 RSD 1,710

-36.05%

Gym Membership (Monthly)

$19.30 ₫498.7K

$17.84 RSD 1,871

8.18%

Tennis Court (1 Hour on Weekend)

$11.81 ₫305.1K

Cinema Ticket

$3.83 ₫98.9K

$4.66 RSD 488

-17.81%

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

$484 ₫12.5M

$169 RSD 17.8K

185.85%

International Primary School, 1 Child (Yearly)

$23.3K ₫602.3M

$7,532 RSD 790.0K

209.52%

Jeans (Levis 501 Or Similar)

$52.3 ₫1.4M

$42.71 RSD 4,480

22.36%

Summer Dress (H&M, Zara, etc)

$34.35 ₫887.3K

$21.92 RSD 2,299

56.71%

Sport Shoes (Adidas, Nike)

$92.3 ₫2.4M

$92.3 RSD 9,678

-0.03%

Men's Leather Business Shoes

$94.2 ₫2.4M

$50.8 RSD 5,328

85.45%

1-bedroom Apartment, City Center (Monthly)

$647 ₫16.7M

$293 RSD 30.7K

120.79%

1-bedroom Apartment, Outside City Center (Monthly)

$297 ₫7.7M

$214 RSD 22.5K

38.57%

3-bedroom Apartment, City Center (Monthly)

$1,291 ₫33.3M

$462 RSD 48.4K

179.62%

3-bedroom Apartment, Outside City Center (Monthly)

$719 ₫18.6M

$365 RSD 38.3K

96.83%

Buy Apartment in City Center (m2)

$4,327 ₫111.8M

$1,447 RSD 151.8K

198.95%

Buy Apartment Outside City Center (m2)

$1,987 ₫51.3M

$1,595 RSD 167.3K

24.55%

Average Monthly Net Salary (After Tax)

$490 ₫12.7M

$541 RSD 56.8K

-9.43%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.64

4.79

80.38%

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

Last update for Ho Chi Minh City (Saigon): October 26, 2026

Last update for Loznica: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ho Chi Minh City (Saigon)

$297 34.9%

Loznica

$214 27.9% 27.8% $83

Groceries & Markets

Ho Chi Minh City (Saigon)

$208 24.4%

Loznica

$166 21.6% 20.2% $42

Clothing & Footwear

Ho Chi Minh City (Saigon)

$123 14.4%

Loznica

$93 12.2% 23.9% $29

Monthly Utilities & Internet

Ho Chi Minh City (Saigon)

$118 13.9%

Loznica

$143 18.6% 20.7% $24

Eating Out

Ho Chi Minh City (Saigon)

$63 7.4%

Loznica

$113 14.7% 78.8% $50

Sport & Entertainment

Ho Chi Minh City (Saigon)

$27 3.2%

Loznica

$27 3.5% 0.7% $0.2

Getting Around

Ho Chi Minh City (Saigon)

$16 1.9%

Loznica

$11 * 1.4% 33.7% $5.5

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $647 in Ho Chi Minh City (Saigon) and $293 in Loznica. Housing cost is often the main lever when comparing two cities.

Loznica pays 10% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $23 in Ho Chi Minh City (Saigon) vs $33 in Loznica. Groceries flip the comparison at $208 vs $166, with Loznica cheaper for home cooking.

Good to know

🇻🇳 Ho Chi Minh City (Saigon)

🇷🇸 Loznica

🕒 Local time

19:01 7:01 PM

13:01 1:01 PM

6 h behind Ho Chi Minh City (Saigon)

🌤 Weather

👥 Population

9,456,700

19,515

💱 Currency

Vietnamese Dong VND ₫

Serbian Dinar RSD din

📈 Exchange rate

100,000 VND = 3.87 USD

100,000 VND = 3.48 EUR

1,000 RSD = 9.53 USD

1,000 RSD = 8.57 EUR

Exchange rates and currency converter

RSD, USD, EUR to VND – Vietnamese Dong Converter

🇺🇸 United States Dollar ($)

🇻🇳 Vietnamese Dong (₫)

Vietnamese Dong exchange rates as of October 28, 2026: 1 USD = 25,832 VND (100,000 VND = 3.87 USD). 1 EUR = 28,750 VND (100,000 VND = 3.48 EUR).

Serbian Dinar exchange rates as of October 28, 2026: 1 USD = 105 RSD (1,000 RSD = 9.53 USD). 1 EUR = 117 RSD (1,000 RSD = 8.57 EUR).

USD to VND in detail →

On the map

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Highest

Between locations

Ho Chi Minh City (Saigon) Loznica 8,970 km ≈ 12 h nonstop flight

From you

Ho Chi Minh City (Saigon)
Loznica

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 Loznica: Cost of Living - Frequently Asked Questions

Loznica wins on cost – living expenses run 10% lower than in Ho Chi Minh City (Saigon). Housing and daily spending are where you’ll feel the difference most, making Loznica the obvious pick if budget is a priority.

On paper, salaries run 9% lower in Ho Chi Minh City (Saigon). 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: $647 in Ho Chi Minh City (Saigon) versus $293 in Loznica. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 25% higher in Ho Chi Minh City (Saigon). For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $853 per month in Ho Chi Minh City (Saigon) versus $768 in Loznica – a 11% gap that adds up to real savings over time for anyone picking the cheaper option.

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