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

Monthly Cost of Living

Monthly costs for one person with rent: $828 in Loznica versus $839 in Ho Chi Minh City (Saigon).

Estimated couple costs with rent: $1,230 in Loznica versus $1,328 in Ho Chi Minh City (Saigon).

Monthly costs for a family of three with rent: $1,632 in Loznica versus $1,817 in Ho Chi Minh City (Saigon).

Living in Loznica costs roughly 1% less than in Ho Chi Minh City (Saigon), driven mainly by Eating Out.

Both cities sit below the global median: Loznica 38% lower, Ho Chi Minh City (Saigon) 37% lower.

Meal at Budget Restaurant

$3.73 RSD 374

$1.97 ₫51.6K

89.34%

Three-Course Dinner for Two, Mid-Range

$29.09 RSD 2,917

$23.04 ₫605.2K

26.26%

Fast Food Meal (McDonalds, etc)

$8.70 RSD 873

$4.68 ₫122.8K

85.90%

Cappuccino

$1.73 RSD 173

$1.69 ₫44.5K

2.37%

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

$1.59 RSD 160

$0.51 ₫13.5K

211.76%

Water (0.33 liter bottle)

$1.95 RSD 196

$0.30 ₫7,960

550.00%

Local Beer (0.5 liter draught)

$1.91 RSD 192

$1.03 ₫27.1K

85.44%

Imported Beer (0.33 liter bottle)

$2.20 RSD 221

$1.52 ₫40.0K

44.74%

Milk (1 liter)

$1.03 RSD 104

$1.45 ₫38.2K

-28.97%

White Bread (500g)

$0.68 RSD 68.2

$0.98 ₫25.7K

-30.61%

Rice (white) (1kg)

$1.41 RSD 141

$0.98 ₫25.9K

43.88%

Eggs

$1.95 RSD 195

$1.41 ₫37.1K

38.30%

Local Cheese (1kg)

$7.86 RSD 788

$11.86 ₫311.5K

-33.73%

Chicken Fillets (1kg)

$5.67 RSD 568

$3.72 ₫97.6K

52.42%

Beef Round Steak (1kg)

$10.06 RSD 1,009

$10.51 ₫275.9K

-4.28%

Apples (1kg)

$0.84 RSD 83.7

$2.73 ₫71.8K

-69.23%

Banana (1kg)

$1.67 RSD 168

$1.14 ₫30.0K

46.49%

Oranges (1kg)

$1.15 RSD 115

$1.35 ₫35.4K

-14.81%

Tomato (1kg)

$1.14 RSD 114

$1.17 ₫30.7K

-2.56%

Potato (1kg)

$1.03 RSD 103

$1.16 ₫30.5K

-11.21%

Onion (1kg)

$1.10 RSD 110

$1.17 ₫30.6K

-5.98%

Lettuce (1 head)

$0.48 RSD 47.93

$0.76 ₫20.0K

-36.84%

Water (1.5 liter bottle)

$0.50 RSD 50.6

$0.50 ₫13.2K

Cigarettes 20 Pack (Marlboro, Camel)

$4.07 RSD 408

$1.21 ₫31.9K

236.36%

Wine (Bottle)

$4.75 RSD 477

$12.93 ₫339.6K

-63.26%

Local Beer (0.5 liter bottle)

$0.73 RSD 72.7

$0.90 ₫23.6K

-18.89%

Imported Beer (0.33 liter bottle)

$3.13 RSD 314

$1.42 ₫37.2K

120.42%

One-way Ticket (Public Transport)

$0.98 RSD 97.8

$0.26 ₫6,799

276.92%

Public Transport Monthly Pass (Regular Price)

$10.73 ₫281.9K

Taxi Start (Normal Tariff)

$2.24 RSD 224

$0.72 ₫18.8K

211.11%

Taxi (Normal Tariff) (1km)

$0.87 RSD 87.2

$0.65 ₫16.9K

33.85%

Taxi 1hour Waiting (Normal Tariff)

$6.99 RSD 701

$3.16 ₫83.0K

121.20%

Gasoline (1 liter)

$1.74 RSD 174

$0.88 ₫23.2K

97.73%

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

$30.6K RSD 3.1M

$37.9K ₫994.3M

-19.15%

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

$26.2K RSD 2.6M

$33.7K ₫884.1M

-22.11%

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

$112 RSD 11.2K

$85.5 ₫2.2M

30.98%

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

$13.18 RSD 1,322

$5.97 ₫156.8K

120.77%

Internet (50+ Mbps, Unlimited Data)

$16.96 RSD 1,700

$9.41 ₫247.2K

80.23%

Gym Membership (Monthly)

$18.00 RSD 1,804

$20.92 ₫549.5K

-13.96%

Tennis Court (1 Hour on Weekend)

$16.21 RSD 1,625

$9.18 ₫241.2K

76.58%

Cinema Ticket

$2.94 RSD 294

$4.09 ₫107.5K

-28.12%

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

$165 RSD 16.6K

$276 ₫7.2M

-40.02%

International Primary School, 1 Child (Yearly)

$5,116 RSD 513.0K

$14.2K ₫374.1M

-64.09%

Jeans (Levis 501 Or Similar)

$33.88 RSD 3,397

$41.67 ₫1.1M

-18.69%

Summer Dress (H&M, Zara, etc)

$26.49 RSD 2,656

$27.51 ₫722.5K

-3.71%

Sport Shoes (Adidas, Nike)

$88.2 RSD 8,840

$96.0 ₫2.5M

-8.17%

Men's Leather Business Shoes

$52.4 RSD 5,249

$85.7 ₫2.3M

-38.92%

1-bedroom Apartment, City Center (Monthly)

$317 RSD 31.8K

$532 ₫14.0M

-40.34%

1-bedroom Apartment, Outside City Center (Monthly)

$290 RSD 29.1K

$306 ₫8.0M

-5.03%

3-bedroom Apartment, City Center (Monthly)

$488 RSD 48.9K

$1,107 ₫29.1M

-55.89%

3-bedroom Apartment, Outside City Center (Monthly)

$412 RSD 41.3K

$657 ₫17.3M

-37.38%

Buy Apartment in City Center (m2)

$1,490 RSD 149.3K

$4,113 ₫108.0M

-63.78%

Buy Apartment Outside City Center (m2)

$1,266 RSD 126.9K

$1,909 ₫50.1M

-33.67%

Average Monthly Net Salary (After Tax)

$559 RSD 56.0K

$481 ₫12.6M

16.27%

20-Year Fixed Mortgage Interest Rate (Annual %)

9.14

-12.47%

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

Last update for Loznica: April 25, 2026

Last update for Ho Chi Minh City (Saigon): April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $317 in Loznica and $532 in Ho Chi Minh City (Saigon). Housing cost is often the main lever when comparing two cities.

Loznica pays 16% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $29.00 in Loznica vs $23.00 in Ho Chi Minh City (Saigon). Groceries flip the comparison at $170 vs $199, with Loznica cheaper for home cooking.

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 1% 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.

Loznica pays 16% more on average, 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: $317 in Loznica versus $532 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 17% 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 $828 per month in Loznica versus $839 in Ho Chi Minh City (Saigon) – a 1% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $800 a month, though Loznica gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

Both work as nomad bases, but Loznica delivers better value – similar infrastructure at $828 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Loznica hard to pass up.

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.

Expats usually find Loznica gentler on the wallet – expenses run 1% less than in Ho Chi Minh City (Saigon). Beyond cost, consider language, visa policies, and how big the international community is in each city.