Last update: Oct 2026

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

For one person, living is cheaper in Luoyang: $659 a month against $862 in Ho Chi Minh City (Saigon), rent and utilities included – about $2,400 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
32

Cost of Living Index in Luoyang
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Luoyang Living Index

Jump to prices

Ho Chi Minh City (Saigon)

🇻🇳 Vietnam

$862

/mo nomad

Luoyang

🇨🇳 China

$659

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $862 in Ho Chi Minh City (Saigon) versus $659 in Luoyang.

Ho Chi Minh City (Saigon) $862
Luoyang $659

Estimated couple costs with rent: $1,410 in Ho Chi Minh City (Saigon) versus $1,067 in Luoyang.

Ho Chi Minh City (Saigon) $1,410
Luoyang $1,067

Monthly costs for a family of three with rent: $1,958 in Ho Chi Minh City (Saigon) versus $1,475 in Luoyang.

Ho Chi Minh City (Saigon) $1,958
Luoyang $1,475

Living in Ho Chi Minh City (Saigon) is roughly 31% more expensive than in Luoyang, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Ho Chi Minh City (Saigon) 36% lower, Luoyang 51% lower.

Meal at Budget Restaurant

$1.98 ₫51.3K

$3.69 ¥24.67

-46.34%

Three-Course Dinner for Two, Mid-Range

$23.14 ₫599.0K

$29.56 ¥198

-21.72%

Fast Food Meal (McDonalds, etc)

$4.76 ₫123.2K

$5.74 ¥38.40

-17.07%

Cappuccino

$1.86 ₫48.1K

$3.69 ¥24.68

-49.59%

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

$0.51 ₫13.3K

$0.46 ¥3.11

10.87%

Water (0.33 liter bottle)

$0.32 ₫8,191

$0.27 ¥1.82

18.52%

Local Beer (0.5 liter draught)

$1.03 ₫26.7K

$1.26 ¥8.41

-18.25%

Imported Beer (0.33 liter bottle)

$1.71 ₫44.4K

$3.04 ¥20.35

-43.75%

Milk (1 liter)

$1.58 ₫40.8K

$1.93 ¥12.89

-18.13%

White Bread (500g)

$1.09 ₫28.3K

$2.26 ¥15.08

-51.77%

Rice (white) (1kg)

$1.05 ₫27.2K

$1.04 ¥6.94

0.96%

Eggs

$1.64 ₫42.6K

$1.42 ¥9.53

15.49%

Local Cheese (1kg)

$12.33 ₫319.2K

$13.38 ¥89.5

-7.85%

Chicken Fillets (1kg)

$3.58 ₫92.6K

$3.43 ¥22.95

4.37%

Beef Round Steak (1kg)

$10.56 ₫273.3K

$9.18 ¥61.4

15.03%

Apples (1kg)

$2.97 ₫76.9K

$0.96 ¥6.41

209.38%

Banana (1kg)

$1.26 ₫32.7K

$1.31 ¥8.79

-3.82%

Oranges (1kg)

$1.62 ₫42.0K

$1.50 ¥10.02

8.00%

Tomato (1kg)

$1.31 ₫33.8K

$1.26 ¥8.44

3.97%

Potato (1kg)

$1.19 ₫30.8K

$0.73 ¥4.90

63.01%

Onion (1kg)

$1.14 ₫29.6K

$0.87 ¥5.85

31.03%

Lettuce (1 head)

$0.73 ₫18.8K

$0.43 ¥2.90

69.77%

Water (1.5 liter bottle)

$0.56 ₫14.6K

$0.83 ¥5.56

-32.53%

Cigarettes 20 Pack (Marlboro, Camel)

$1.28 ₫33.0K

$1.68 ¥11.20

-23.81%

Wine (Bottle)

$12.46 ₫322.5K

$13.35 ¥89.3

-6.67%

Local Beer (0.5 liter bottle)

$0.96 ₫24.9K

$0.44 ¥2.92

118.18%

Imported Beer (0.33 liter bottle)

$1.48 ₫38.3K

$2.13 ¥14.23

-30.52%

One-way Ticket (Public Transport)

$0.26 ₫6,704

$0.29 ¥1.93

-10.34%

Public Transport Monthly Pass (Regular Price)

$11.43 ₫296.0K

$17.84 ¥119

-35.93%

Taxi Start (Normal Tariff)

$0.68 ₫17.7K

$1.23 ¥8.22

-44.72%

Taxi (Normal Tariff) (1km)

$0.62 ₫16.1K

$0.36 ¥2.38

72.22%

Taxi 1hour Waiting (Normal Tariff)

$3.00 ₫77.7K

$7.04 ¥47.06

-57.39%

Gasoline (1 liter)

$0.91 ₫23.5K

$1.29 ¥8.60

-29.46%

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

$30.6K ₫791.4M

$19.6K ¥131.0K

56.04%

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

$29.4K ₫760.1M

$17.5K ¥117.0K

67.85%

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

$104 ₫2.7M

$43.38 ¥290

139.21%

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

$5.79 ₫149.9K

$5.90 ¥39.43

-1.86%

Internet (50+ Mbps, Unlimited Data)

$10.48 ₫271.3K

$10.57 ¥70.7

-0.85%

Gym Membership (Monthly)

$26.08 ₫675.1K

$22.85 ¥153

14.14%

Tennis Court (1 Hour on Weekend)

$11.90 ₫308.1K

$11.74 ¥78.5

1.36%

Cinema Ticket

$3.89 ₫100.7K

$5.53 ¥36.96

-29.66%

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

$440 ₫11.4M

$197 ¥1,315

123.71%

International Primary School, 1 Child (Yearly)

$24.1K ₫622.7M

$17.6K ¥117.7K

36.60%

Jeans (Levis 501 Or Similar)

$50.9 ₫1.3M

$49.15 ¥329

3.58%

Summer Dress (H&M, Zara, etc)

$35.18 ₫910.8K

$30.13 ¥201

16.76%

Sport Shoes (Adidas, Nike)

$92.1 ₫2.4M

$66.0 ¥441

39.60%

Men's Leather Business Shoes

$96.5 ₫2.5M

$78.9 ¥527

22.34%

1-bedroom Apartment, City Center (Monthly)

$582 ₫15.1M

$188 ¥1,258

209.42%

1-bedroom Apartment, Outside City Center (Monthly)

$297 ₫7.7M

$126 ¥840

136.09%

3-bedroom Apartment, City Center (Monthly)

$1,298 ₫33.6M

$439 ¥2,936

195.56%

3-bedroom Apartment, Outside City Center (Monthly)

$727 ₫18.8M

$225 ¥1,507

222.69%

Buy Apartment in City Center (m2)

$4,782 ₫123.8M

$2,154 ¥14.4K

122.02%

Buy Apartment Outside City Center (m2)

$1,853 ₫48.0M

$1,409 ¥9,422

31.51%

Average Monthly Net Salary (After Tax)

$490 ₫12.7M

$637 ¥4,259

-23.09%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.64

4.45

94.16%

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 Luoyang: 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%

Luoyang

$126 19.1% 57.6% $171

Groceries & Markets

Ho Chi Minh City (Saigon)

$208 24.1%

Luoyang

$210 31.9% 1.3% $2.6

Clothing & Footwear

Ho Chi Minh City (Saigon)

$124 14.3%

Luoyang

$101 15.3% 18.4% $23

Monthly Utilities & Internet

Ho Chi Minh City (Saigon)

$120 13.9%

Luoyang

$60 9.1% 50.1% $60

Eating Out

Ho Chi Minh City (Saigon)

$64 7.5%

Luoyang

$106 16.1% 65.3% $42

Sport & Entertainment

Ho Chi Minh City (Saigon)

$34 3.9%

Luoyang

$34 5.2% 0.1% $0

Getting Around

Ho Chi Minh City (Saigon)

$16 1.9%

Luoyang

$22 3.3% 35.3% $5.7

Cost Breakdown

A one-bedroom apartment in the center runs $582 in Ho Chi Minh City (Saigon) and $188 in Luoyang. Housing cost is often the main lever when comparing two cities.

Luoyang pays 30% 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 $30.00 in Luoyang for a mid-range dinner for two. Groceries echo the gap at $208 vs $210 per month, with Ho Chi Minh City (Saigon) cheaper across the board.

Good to know

🇻🇳 Ho Chi Minh City (Saigon)

🇨🇳 Luoyang

🕒 Local time

22:24 10:24 PM

23:24 11:24 PM

1 h ahead of Ho Chi Minh City (Saigon)

🌤 Weather

👥 Population

9,456,700

1,926,000

💱 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

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Highest

Between locations

Ho Chi Minh City (Saigon) Luoyang 2,710 km ≈ 4 h nonstop flight

From you

Ho Chi Minh City (Saigon)
Luoyang

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 Luoyang: Cost of Living - Frequently Asked Questions

Luoyang wins on cost – living expenses run 31% lower than in Ho Chi Minh City (Saigon). Housing and daily spending are where you'll feel the difference most, making Luoyang the obvious pick if budget is a priority.

On paper, salaries run 30% lower in Luoyang. 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 $188 in Luoyang. 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 $659 in Luoyang – a 31% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Luoyang runs roughly 56% 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 $659 in Luoyang versus $862 in Ho Chi Minh City (Saigon), a $1,000 budget is realistic in Luoyang but tight or insufficient in Ho Chi Minh City (Saigon). The gap between the two cities makes Luoyang the clear choice for anyone on this budget.

Both work as nomad bases, but Luoyang delivers better value – similar infrastructure at $659 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Luoyang hard to pass up.

Safety-wise, Ho Chi Minh City (Saigon) and Luoyang 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 Luoyang gentler on the wallet – expenses run 31% less than in Ho Chi Minh City (Saigon). Beyond cost, consider language, visa policies, and how big the international community is in each city.