Last update: Oct 2026

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

For one person, living is cheaper in Ho Chi Minh City (Saigon): $855 a month against $1,037 in Phnom Penh, rent and utilities included – about $2,200 less a year. Other living expenses 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
50

Cost of Living Index in Phnom Penh
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Phnom Penh Living Index

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Ho Chi Minh City (Saigon)

🇻🇳 Vietnam

$855

/mo nomad

Phnom Penh

🇰🇭 Cambodia

$1,037

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $855 in Ho Chi Minh City (Saigon) versus $1,037 in Phnom Penh.

Ho Chi Minh City (Saigon) $855
Phnom Penh $1,037

Estimated couple costs with rent: $1,400 in Ho Chi Minh City (Saigon) versus $1,654 in Phnom Penh.

Ho Chi Minh City (Saigon) $1,400
Phnom Penh $1,654

Monthly costs for a family of three with rent: $1,944 in Ho Chi Minh City (Saigon) versus $2,271 in Phnom Penh.

Ho Chi Minh City (Saigon) $1,944
Phnom Penh $2,271

Living in Ho Chi Minh City (Saigon) costs roughly 18% less than in Phnom Penh, 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, Phnom Penh 23% lower.

Meal at Budget Restaurant

$1.90 ₫49.1K

$4.08 ៛16.6K

-53.43%

Three-Course Dinner for Two, Mid-Range

$23.32 ₫603.5K

$39.62 ៛160.7K

-41.14%

Fast Food Meal (McDonalds, etc)

$4.67 ₫120.9K

$6.91 ៛28.0K

-32.42%

Cappuccino

$1.85 ₫47.9K

$3.02 ៛12.3K

-38.74%

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

$0.56 ₫14.4K

$1.87 ៛7,583

-70.05%

Water (0.33 liter bottle)

$0.34 ₫8,857

$0.61 ៛2,487

-44.26%

Local Beer (0.5 liter draught)

$1.01 ₫26.2K

$0.98 ៛3,969

3.06%

Imported Beer (0.33 liter bottle)

$1.69 ₫43.7K

$2.94 ៛11.9K

-42.52%

Milk (1 liter)

$1.58 ₫40.8K

$2.17 ៛8,815

-27.19%

White Bread (500g)

$1.04 ₫27.0K

$1.61 ៛6,516

-35.40%

Rice (white) (1kg)

$0.99 ₫25.7K

$1.07 ៛4,322

-7.48%

Eggs

$1.60 ₫41.5K

$1.73 ៛7,033

-7.51%

Local Cheese (1kg)

$12.23 ₫316.6K

$14.96 ៛60.7K

-18.25%

Chicken Fillets (1kg)

$3.54 ₫91.7K

$4.07 ៛16.5K

-13.02%

Beef Round Steak (1kg)

$10.44 ₫270.2K

$9.25 ៛37.5K

12.86%

Apples (1kg)

$3.09 ₫79.9K

$3.87 ៛15.7K

-20.16%

Banana (1kg)

$1.26 ₫32.5K

$1.70 ៛6,889

-25.88%

Oranges (1kg)

$1.57 ₫40.6K

$4.30 ៛17.4K

-63.49%

Tomato (1kg)

$1.26 ₫32.5K

$2.13 ៛8,659

-40.85%

Potato (1kg)

$1.17 ₫30.4K

$1.62 ៛6,559

-27.78%

Onion (1kg)

$1.15 ₫29.7K

$1.28 ៛5,180

-10.16%

Lettuce (1 head)

$0.72 ₫18.7K

$1.15 ៛4,663

-37.39%

Water (1.5 liter bottle)

$0.54 ₫14.0K

$0.77 ៛3,104

-29.87%

Cigarettes 20 Pack (Marlboro, Camel)

$1.22 ₫31.5K

$1.95 ៛7,895

-37.44%

Wine (Bottle)

$12.28 ₫317.8K

$11.20 ៛45.4K

9.64%

Local Beer (0.5 liter bottle)

$0.98 ₫25.4K

$1.03 ៛4,171

-4.85%

Imported Beer (0.33 liter bottle)

$1.49 ₫38.5K

$1.79 ៛7,274

-16.76%

One-way Ticket (Public Transport)

$0.28 ₫7,249

$0.47 ៛1,903

-40.43%

Public Transport Monthly Pass (Regular Price)

$11.62 ₫300.8K

$9.74 ៛39.5K

19.30%

Taxi Start (Normal Tariff)

$0.73 ₫18.9K

$1.10 ៛4,461

-33.64%

Taxi (Normal Tariff) (1km)

$0.64 ₫16.7K

$0.98 ៛3,960

-34.69%

Taxi 1hour Waiting (Normal Tariff)

$3.17 ₫82.0K

$5.15 ៛20.9K

-38.45%

Gasoline (1 liter)

$0.95 ₫24.6K

$1.35 ៛5,492

-29.63%

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

$30.7K ₫795.6M

$35.5K ៛144.1M

-13.49%

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

$30.6K ₫791.6M

$43.9K ៛177.9M

-30.25%

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

$102 ₫2.6M

$106 ៛431.9K

-3.93%

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

$5.65 ₫146.1K

$7.39 ៛30.0K

-23.55%

Internet (50+ Mbps, Unlimited Data)

$10.52 ₫272.2K

$25.24 ៛102.4K

-58.32%

Gym Membership (Monthly)

$25.86 ₫669.2K

$40.80 ៛165.5K

-36.62%

Tennis Court (1 Hour on Weekend)

$11.82 ₫305.9K

$10.94 ៛44.4K

8.04%

Cinema Ticket

$3.39 ₫87.8K

$4.97 ៛20.2K

-31.79%

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

$438 ₫11.3M

$665 ៛2.7M

-34.19%

International Primary School, 1 Child (Yearly)

$23.3K ₫603.1M

$11.0K ៛44.6M

111.97%

Jeans (Levis 501 Or Similar)

$51.5 ₫1.3M

$27.67 ៛112.2K

86.19%

Summer Dress (H&M, Zara, etc)

$34.56 ₫894.3K

$24.26 ៛98.4K

42.46%

Sport Shoes (Adidas, Nike)

$91.3 ₫2.4M

$89.8 ៛364.1K

1.73%

Men's Leather Business Shoes

$94.9 ₫2.5M

$59.1 ៛239.7K

60.61%

1-bedroom Apartment, City Center (Monthly)

$577 ₫14.9M

$639 ៛2.6M

-9.67%

1-bedroom Apartment, Outside City Center (Monthly)

$292 ₫7.6M

$370 ៛1.5M

-20.94%

3-bedroom Apartment, City Center (Monthly)

$1,293 ₫33.5M

$1,148 ៛4.7M

12.64%

3-bedroom Apartment, Outside City Center (Monthly)

$717 ₫18.6M

$803 ៛3.3M

-10.68%

Buy Apartment in City Center (m2)

$4,714 ₫122.0M

$2,883 ៛11.7M

63.51%

Buy Apartment Outside City Center (m2)

$1,882 ₫48.7M

$1,488 ៛6.0M

26.48%

Average Monthly Net Salary (After Tax)

$486 ₫12.6M

$330 ៛1.3M

47.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

8.64

8.07

7.06%

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

Last update for Ho Chi Minh City (Saigon): October 5, 2026

Last update for Phnom Penh: October 6, 2026

Monthly budget structure

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

Accommodation & Living

Ho Chi Minh City (Saigon)

$292 34.3%

Phnom Penh

$370 35.9% 26.5% $77

Groceries & Markets

Ho Chi Minh City (Saigon)

$206 24.1%

Phnom Penh

$252 24.5% 22.5% $46

Clothing & Footwear

Ho Chi Minh City (Saigon)

$123 14.4%

Phnom Penh

$90 8.8% 26.3% $32

Monthly Utilities & Internet

Ho Chi Minh City (Saigon)

$118 13.9%

Phnom Penh

$139 13.5% 17.4% $21

Eating Out

Ho Chi Minh City (Saigon)

$63 7.5%

Phnom Penh

$110 10.7% 73.9% $47

Sport & Entertainment

Ho Chi Minh City (Saigon)

$33 3.8%

Phnom Penh

$51 4.9% 55.5% $18

Getting Around

Ho Chi Minh City (Saigon)

$17 2%

Phnom Penh

$18 1.7% 5.4% $0.9

Cost Breakdown

A one-bedroom apartment in the center runs $577 in Ho Chi Minh City (Saigon) and $639 in Phnom Penh. Housing cost is often the main lever when comparing two cities.

Ho Chi Minh City (Saigon) pays 47% 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 $40.00 in Phnom Penh for a mid-range dinner for two. Groceries echo the gap at $206 vs $252 per month, with Ho Chi Minh City (Saigon) cheaper across the board.

Good to know

🇻🇳 Ho Chi Minh City (Saigon)

🇰🇭 Phnom Penh

🕒 Local time

08:41 8:41 AM

Same time as Ho Chi Minh City (Saigon)

🌤 Weather

👥 Population

9,456,700

2,009,264 Capital

💱 Currency

Vietnamese Dong VND ₫

Cambodian Riel KHR ៛

📈 Exchange rate

100,000 VND = 3.86 USD

100,000 VND = 3.45 EUR

10,000 KHR = 2.47 USD

10,000 KHR = 2.2 EUR

Exchange rates and currency converter

KHR, USD, EUR to VND – Vietnamese Dong Converter

🇺🇸 United States Dollar ($)

🇻🇳 Vietnamese Dong (₫)

Vietnamese Dong exchange rates as of October 10, 2026: 1 USD = 25,879 VND (100,000 VND = 3.86 USD). 1 EUR = 29,025 VND (100,000 VND = 3.45 EUR).

Cambodian Riel exchange rates as of October 10, 2026: 1 USD = 4,056 KHR (10,000 KHR = 2.47 USD). 1 EUR = 4,549 KHR (10,000 KHR = 2.2 EUR).

USD to VND in detail →

On the map

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Between locations

Ho Chi Minh City (Saigon) Phnom Penh 210 km

From you

Ho Chi Minh City (Saigon)
Phnom Penh

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 Phnom Penh: Cost of Living - Frequently Asked Questions

Ho Chi Minh City (Saigon) wins on cost – living expenses run 21% lower than in Phnom Penh. Housing and daily spending are where you'll feel the difference most, making Ho Chi Minh City (Saigon) the obvious pick if budget is a priority.

Average pay runs 47% 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: $577 in Ho Chi Minh City (Saigon) versus $639 in Phnom Penh. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $855 per month in Ho Chi Minh City (Saigon) versus $1,037 in Phnom Penh – a 21% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Ho Chi Minh City (Saigon) runs roughly 19% less than in Phnom Penh. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $855 in Ho Chi Minh City (Saigon) versus $1,037 in Phnom Penh, a $1,000 budget is realistic in Ho Chi Minh City (Saigon) but tight or insufficient in Phnom Penh. The gap between the two cities makes Ho Chi Minh City (Saigon) the clear choice for anyone on this budget.

Both work as nomad bases, but Ho Chi Minh City (Saigon) delivers better value – similar infrastructure at $855 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ho Chi Minh City (Saigon) hard to pass up.

Safety-wise, Ho Chi Minh City (Saigon) and Phnom Penh 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 Ho Chi Minh City (Saigon) gentler on the wallet – expenses run 21% less than in Phnom Penh. Beyond cost, consider language, visa policies, and how big the international community is in each city.