Last update: Oct 2026

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

For one person, living is cheaper in Iloilo: $693 a month against $855 in Ho Chi Minh City (Saigon), rent and utilities included – about $1,900 less a year. Rent and utilities account for about half of the difference.

33

Cost of Living Index in Iloilo
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Iloilo Living Index
42

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

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Iloilo

🇵🇭 Philippines

$693

/mo nomad

Ho Chi Minh City (Saigon)

🇻🇳 Vietnam

$855

/mo nomad

Monthly Cost of Living

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

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Iloilo and in Ho Chi Minh City (Saigon) actually costs, broken down by who's living it.

Monthly costs for one person with rent: $693 in Iloilo versus $855 in Ho Chi Minh City (Saigon).

Iloilo $693
Ho Chi Minh City (Saigon) $855

Estimated couple costs with rent: $1,054 in Iloilo versus $1,400 in Ho Chi Minh City (Saigon).

Iloilo $1,054
Ho Chi Minh City (Saigon) $1,400

Monthly costs for a family of three with rent: $1,416 in Iloilo versus $1,944 in Ho Chi Minh City (Saigon).

Iloilo $1,416
Ho Chi Minh City (Saigon) $1,944

Living in Iloilo costs roughly 19% less than in Ho Chi Minh City (Saigon), and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Iloilo 48% lower, Ho Chi Minh City (Saigon) 36% lower.

Meal at Budget Restaurant

$2.83 ₱177

$1.90 ₫49.1K

48.95%

Three-Course Dinner for Two, Mid-Range

$19.43 ₱1,219

$23.32 ₫603.5K

-16.68%

Fast Food Meal (McDonalds, etc)

$3.15 ₱198

$4.67 ₫120.9K

-32.55%

Cappuccino

$2.09 ₱131

$1.85 ₫47.9K

12.97%

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

$0.65 ₱40.93

$0.56 ₫14.4K

16.07%

Water (0.33 liter bottle)

$0.34 ₱21.39

$0.34 ₫8,857

Local Beer (0.5 liter draught)

$1.06 ₱66.6

$1.01 ₫26.2K

4.95%

Imported Beer (0.33 liter bottle)

$1.81 ₱113

$1.69 ₫43.7K

7.10%

Milk (1 liter)

$1.69 ₱106

$1.58 ₫40.8K

6.96%

White Bread (500g)

$1.20 ₱75.1

$1.04 ₫27.0K

15.38%

Rice (white) (1kg)

$0.84 ₱52.9

$0.99 ₫25.7K

-15.15%

Eggs

$2.06 ₱129

$1.60 ₫41.5K

28.75%

Local Cheese (1kg)

$6.05 ₱379

$12.23 ₫316.6K

-50.53%

Chicken Fillets (1kg)

$4.04 ₱254

$3.54 ₫91.7K

14.12%

Beef Round Steak (1kg)

$6.18 ₱388

$10.44 ₫270.2K

-40.80%

Apples (1kg)

$3.32 ₱208

$3.09 ₫79.9K

7.44%

Banana (1kg)

$1.04 ₱65.3

$1.26 ₫32.5K

-17.46%

Oranges (1kg)

$3.06 ₱192

$1.57 ₫40.6K

94.90%

Tomato (1kg)

$1.38 ₱86.4

$1.26 ₫32.5K

9.52%

Potato (1kg)

$2.39 ₱150

$1.17 ₫30.4K

104.27%

Onion (1kg)

$2.71 ₱170

$1.15 ₫29.7K

135.65%

Lettuce (1 head)

$1.47 ₱92.4

$0.72 ₫18.7K

104.17%

Water (1.5 liter bottle)

$0.81 ₱50.8

$0.54 ₫14.0K

50.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.99 ₱188

$1.22 ₫31.5K

145.08%

Wine (Bottle)

$6.19 ₱388

$12.28 ₫317.8K

-49.59%

Local Beer (0.5 liter bottle)

$1.10 ₱68.8

$0.98 ₫25.4K

12.24%

Imported Beer (0.33 liter bottle)

$1.26 ₱78.8

$1.49 ₫38.5K

-15.44%

One-way Ticket (Public Transport)

$0.24 ₱15.09

$0.28 ₫7,249

-14.29%

Public Transport Monthly Pass (Regular Price)

$4.59 ₱288

$11.62 ₫300.8K

-60.50%

Taxi Start (Normal Tariff)

$0.82 ₱51.4

$0.73 ₫18.9K

12.33%

Taxi (Normal Tariff) (1km)

$0.34 ₱21.10

$0.64 ₫16.7K

-46.88%

Taxi 1hour Waiting (Normal Tariff)

$2.36 ₱148

$3.17 ₫82.0K

-25.55%

Gasoline (1 liter)

$1.16 ₱72.9

$0.95 ₫24.6K

22.11%

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

$21.8K ₱1.4M

$30.7K ₫795.6M

-29.17%

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

$19.5K ₱1.2M

$30.6K ₫791.6M

-36.13%

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

$64.5 ₱4,044

$102 ₫2.6M

-36.98%

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

$9.82 ₱616

$5.65 ₫146.1K

73.81%

Internet (50+ Mbps, Unlimited Data)

$27.65 ₱1,734

$10.52 ₫272.2K

162.83%

Gym Membership (Monthly)

$9.76 ₱612

$25.86 ₫669.2K

-62.26%

Tennis Court (1 Hour on Weekend)

$11.82 ₫305.9K

Cinema Ticket

$4.70 ₱295

$3.39 ₫87.8K

38.64%

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

$31.77 ₱1,993

$438 ₫11.3M

-92.74%

International Primary School, 1 Child (Yearly)

$23.3K ₫603.1M

Jeans (Levis 501 Or Similar)

$23.50 ₱1,474

$51.5 ₫1.3M

-54.39%

Summer Dress (H&M, Zara, etc)

$17.74 ₱1,113

$34.56 ₫894.3K

-48.67%

Sport Shoes (Adidas, Nike)

$55.5 ₱3,480

$91.3 ₫2.4M

-39.24%

Men's Leather Business Shoes

$23.96 ₱1,503

$94.9 ₫2.5M

-74.76%

1-bedroom Apartment, City Center (Monthly)

$308 ₱19.3K

$577 ₫14.9M

-46.53%

1-bedroom Apartment, Outside City Center (Monthly)

$246 ₱15.4K

$292 ₫7.6M

-15.72%

3-bedroom Apartment, City Center (Monthly)

$1,184 ₱74.3K

$1,293 ₫33.5M

-8.45%

3-bedroom Apartment, Outside City Center (Monthly)

$436 ₱27.4K

$717 ₫18.6M

-39.17%

Buy Apartment in City Center (m2)

$3,633 ₱227.9K

$4,714 ₫122.0M

-22.93%

Buy Apartment Outside City Center (m2)

$1,055 ₱66.2K

$1,882 ₫48.7M

-43.96%

Average Monthly Net Salary (After Tax)

$206 ₱12.9K

$486 ₫12.6M

-57.60%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.33

8.64

-15.16%

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

Last update for Iloilo: October 5, 2026

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

Monthly budget structure

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

Accommodation & Living

Iloilo

$246 35.8%

Ho Chi Minh City (Saigon)

$292 34.3% 18.7% $46

Groceries & Markets

Iloilo

$188 27.3%

Ho Chi Minh City (Saigon)

$206 24.1% 9.4% $18

Monthly Utilities & Internet

Iloilo

$102 14.8%

Ho Chi Minh City (Saigon)

$118 13.9% 16.2% $17

Eating Out

Iloilo

$70 10.2%

Ho Chi Minh City (Saigon)

$63 7.5% 9.5% $6.6

Clothing & Footwear

Iloilo

$54 7.9%

Ho Chi Minh City (Saigon)

$123 14.4% 126% $68

Sport & Entertainment

Iloilo

$19 2.8%

Ho Chi Minh City (Saigon)

$33 3.8% 70.3% $13

Getting Around

Iloilo

$8.1 1.2%

Ho Chi Minh City (Saigon)

$17 2% 107% $8.6

Cost Breakdown

A one-bedroom apartment in the center runs $308 in Iloilo and $577 in Ho Chi Minh City (Saigon). Housing cost is often the main lever when comparing two cities.

Ho Chi Minh City (Saigon) pays 136% 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: $19.00 in Iloilo vs $23.00 in Ho Chi Minh City (Saigon) for a mid-range dinner for two. Groceries echo the gap at $188 vs $206 per month, with Iloilo cheaper across the board.

Good to know

🇵🇭 Iloilo

🇻🇳 Ho Chi Minh City (Saigon)

🕒 Local time

14:02 2:02 PM

13:02 1:02 PM

1 h behind Iloilo

🌤 Weather

👥 Population

457,626

9,456,700

💱 Currency

Philippine Peso PHP ₱

Vietnamese Dong VND ₫

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.42 EUR

100,000 VND = 3.86 USD

100,000 VND = 3.45 EUR

Exchange rates and currency converter

VND, USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

Philippine Peso exchange rates as of October 10, 2026: 1 USD = 62.72 PHP (100 PHP = 1.59 USD). 1 EUR = 70.35 PHP (100 PHP = 1.42 EUR).

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).

USD to PHP in detail →

On the map

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Between locations

Iloilo Ho Chi Minh City (Saigon) 1,730 km ≈ 2 h 45 min nonstop flight

From you

Iloilo
Ho Chi Minh City (Saigon)

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

Iloilo vs Ho Chi Minh City (Saigon): Cost of Living - Frequently Asked Questions

Iloilo wins on cost – living expenses run 23% lower than in Ho Chi Minh City (Saigon). Housing and daily spending are where you'll feel the difference most, making Iloilo the obvious pick if budget is a priority.

On paper, salaries run 136% 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: $308 in Iloilo versus $577 in Ho Chi Minh City (Saigon). Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $693 per month in Iloilo versus $855 in Ho Chi Minh City (Saigon) – a 23% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Iloilo runs roughly 153% 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 $693 in Iloilo versus $855 in Ho Chi Minh City (Saigon), a $1,500 budget is realistic in Iloilo but tight or insufficient in Ho Chi Minh City (Saigon). The gap between the two cities makes Iloilo the clear choice for anyone on this budget.

Both work as nomad bases, but Iloilo delivers better value – similar infrastructure at $693 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Iloilo hard to pass up.

Safety-wise, Iloilo and Ho Chi Minh City (Saigon) 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 Iloilo gentler on the wallet – expenses run 23% less than in Ho Chi Minh City (Saigon). Beyond cost, consider language, visa policies, and how big the international community is in each city.