Last update: Oct 2026

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

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.

37

Cost of Living Index in Loznica
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Loznica Living Index
41

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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Loznica

🇷🇸 Serbia

$768

/mo nomad

Ho Chi Minh City (Saigon)

🇻🇳 Vietnam

$853

/mo nomad

Monthly Cost of Living

How much you'll spend in Loznica 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 Loznica and in Ho Chi Minh City (Saigon) actually costs, broken down by who's living it.

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

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

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

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

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

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

Living in Loznica costs roughly 10% less than in Ho Chi Minh City (Saigon), and outside of rent the biggest gap is in groceries.

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

Meal at Budget Restaurant

$3.60 RSD 377

$1.91 ₫49.3K

88.48%

Three-Course Dinner for Two, Mid-Range

$32.88 RSD 3,448

$22.93 ₫592.4K

43.39%

Fast Food Meal (McDonalds, etc)

$11.22 RSD 1,177

$4.69 ₫121.2K

139.23%

Cappuccino

$1.57 RSD 165

$1.80 ₫46.5K

-12.78%

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

$1.85 RSD 194

$0.55 ₫14.3K

236.36%

Water (0.33 liter bottle)

$1.70 RSD 178

$0.34 ₫8,812

400.00%

Local Beer (0.5 liter draught)

$2.34 RSD 245

$1.03 ₫26.7K

127.18%

Imported Beer (0.33 liter bottle)

$2.85 RSD 299

$1.72 ₫44.4K

65.70%

Milk (1 liter)

$1.09 RSD 114

$1.67 ₫43.1K

-34.73%

White Bread (500g)

$0.54 RSD 56.7

$1.09 ₫28.2K

-50.46%

Rice (white) (1kg)

$1.36 RSD 143

$1.06 ₫27.3K

28.30%

Eggs

$1.88 RSD 197

$1.60 ₫41.3K

17.50%

Local Cheese (1kg)

$8.12 RSD 852

$12.08 ₫312.1K

-32.78%

Chicken Fillets (1kg)

$5.81 RSD 609

$3.66 ₫94.5K

58.74%

Beef Round Steak (1kg)

$9.46 RSD 992

$10.35 ₫267.3K

-8.60%

Apples (1kg)

$0.87 RSD 90.8

$3.01 ₫77.7K

-71.10%

Banana (1kg)

$1.63 RSD 171

$1.26 ₫32.6K

29.37%

Oranges (1kg)

$1.13 RSD 118

$1.62 ₫41.9K

-30.25%

Tomato (1kg)

$1.20 RSD 126

$1.27 ₫32.7K

-5.51%

Potato (1kg)

$1.03 RSD 108

$1.18 ₫30.5K

-12.71%

Onion (1kg)

$0.61 RSD 63.8

$1.19 ₫30.7K

-48.74%

Lettuce (1 head)

$0.59 RSD 61.5

$0.78 ₫20.1K

-24.36%

Water (1.5 liter bottle)

$0.50 RSD 51.9

$0.55 ₫14.3K

-9.09%

Cigarettes 20 Pack (Marlboro, Camel)

$4.04 RSD 424

$1.26 ₫32.5K

220.63%

Wine (Bottle)

$4.46 RSD 468

$12.85 ₫331.9K

-65.29%

Local Beer (0.5 liter bottle)

$0.82 RSD 86.4

$0.90 ₫23.1K

-8.89%

Imported Beer (0.33 liter bottle)

$2.33 RSD 244

$1.46 ₫37.6K

59.59%

One-way Ticket (Public Transport)

$0.95 RSD 99.2

$0.28 ₫7,260

239.29%

Public Transport Monthly Pass (Regular Price)

$11.42 ₫295.0K

Taxi Start (Normal Tariff)

$1.90 RSD 199

$0.70 ₫18.2K

171.43%

Taxi (Normal Tariff) (1km)

$1.04 RSD 109

$0.63 ₫16.3K

65.08%

Taxi 1hour Waiting (Normal Tariff)

$6.70 RSD 703

$3.09 ₫79.8K

116.83%

Gasoline (1 liter)

$1.77 RSD 185

$0.95 ₫24.6K

86.32%

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

$30.8K RSD 3.2M

$30.5K ₫788.3M

0.90%

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

$25.5K RSD 2.7M

$29.7K ₫767.8M

-14.32%

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

$111 RSD 11.7K

$102 ₫2.6M

8.74%

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

$15.29 RSD 1,604

$5.65 ₫145.8K

170.62%

Internet (50+ Mbps, Unlimited Data)

$16.31 RSD 1,710

$10.43 ₫269.5K

56.38%

Gym Membership (Monthly)

$17.84 RSD 1,871

$19.30 ₫498.7K

-7.56%

Tennis Court (1 Hour on Weekend)

$11.81 ₫305.1K

Cinema Ticket

$4.66 RSD 488

$3.83 ₫98.9K

21.67%

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

$169 RSD 17.8K

$484 ₫12.5M

-65.02%

International Primary School, 1 Child (Yearly)

$7,532 RSD 790.0K

$23.3K ₫602.3M

-67.69%

Jeans (Levis 501 Or Similar)

$42.71 RSD 4,480

$52.3 ₫1.4M

-18.27%

Summer Dress (H&M, Zara, etc)

$21.92 RSD 2,299

$34.35 ₫887.3K

-36.19%

Sport Shoes (Adidas, Nike)

$92.3 RSD 9,678

$92.3 ₫2.4M

0.03%

Men's Leather Business Shoes

$50.8 RSD 5,328

$94.2 ₫2.4M

-46.08%

1-bedroom Apartment, City Center (Monthly)

$293 RSD 30.7K

$647 ₫16.7M

-54.71%

1-bedroom Apartment, Outside City Center (Monthly)

$214 RSD 22.5K

$297 ₫7.7M

-27.83%

3-bedroom Apartment, City Center (Monthly)

$462 RSD 48.4K

$1,291 ₫33.3M

-64.24%

3-bedroom Apartment, Outside City Center (Monthly)

$365 RSD 38.3K

$719 ₫18.6M

-49.19%

Buy Apartment in City Center (m2)

$1,447 RSD 151.8K

$4,327 ₫111.8M

-66.55%

Buy Apartment Outside City Center (m2)

$1,595 RSD 167.3K

$1,987 ₫51.3M

-19.71%

Average Monthly Net Salary (After Tax)

$541 RSD 56.8K

$490 ₫12.7M

10.42%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.79

8.64

-44.56%

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

Last update for Loznica: October 25, 2026

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

Monthly budget structure

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

Accommodation & Living

Loznica

$214 27.9%

Ho Chi Minh City (Saigon)

$297 34.9% 38.6% $83

Groceries & Markets

Loznica

$166 21.6%

Ho Chi Minh City (Saigon)

$208 24.4% 25.3% $42

Monthly Utilities & Internet

Loznica

$143 18.6%

Ho Chi Minh City (Saigon)

$118 13.9% 17.1% $24

Eating Out

Loznica

$113 14.7%

Ho Chi Minh City (Saigon)

$63 7.4% 44.1% $50

Clothing & Footwear

Loznica

$93 12.2%

Ho Chi Minh City (Saigon)

$123 14.4% 31.5% $29

Sport & Entertainment

Loznica

$27 3.5%

Ho Chi Minh City (Saigon)

$27 3.2% 0.7% $0.2

Getting Around

Loznica

$11 * 1.4%

Ho Chi Minh City (Saigon)

$16 1.9% 50.7% $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 $293 in Loznica and $647 in Ho Chi Minh City (Saigon). 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: $33 in Loznica vs $23 in Ho Chi Minh City (Saigon). Groceries flip the comparison at $166 vs $208, with Loznica cheaper for home cooking.

Good to know

🇷🇸 Loznica

🇻🇳 Ho Chi Minh City (Saigon)

🕒 Local time

10:46 10:46 AM

16:46 4:46 PM

6 h ahead of Loznica

🌤 Weather

👥 Population

19,515

9,456,700

💱 Currency

Serbian Dinar RSD din

Vietnamese Dong VND ₫

📈 Exchange rate

1,000 RSD = 9.53 USD

1,000 RSD = 8.57 EUR

100,000 VND = 3.87 USD

100,000 VND = 3.48 EUR

Exchange rates and currency converter

VND, USD, EUR to RSD – Serbian Dinar Converter

🇺🇸 United States Dollar ($)

🇷🇸 Serbian Dinar (din)

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).

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).

USD to RSD in detail →

On the map

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Between locations

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

From you

Loznica
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

Loznica vs Ho Chi Minh City (Saigon): 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.

Average pay runs 10% higher in Loznica, 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: $293 in Loznica versus $647 in Ho Chi Minh City (Saigon). 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 $768 per month in Loznica versus $853 in Ho Chi Minh City (Saigon) – 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, Loznica 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.