Last update: Oct 2026

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

For one person, living is cheaper in Luoyang: $660 a month against $859 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.

32

Cost of Living Index in Luoyang
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Luoyang 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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Luoyang

🇨🇳 China

$660

/mo nomad

Ho Chi Minh City (Saigon)

🇻🇳 Vietnam

$859

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $660 in Luoyang versus $859 in Ho Chi Minh City (Saigon).

Luoyang $660
Ho Chi Minh City (Saigon) $859

Estimated couple costs with rent: $1,066 in Luoyang versus $1,395 in Ho Chi Minh City (Saigon).

Luoyang $1,066
Ho Chi Minh City (Saigon) $1,395

Monthly costs for a family of three with rent: $1,471 in Luoyang versus $1,931 in Ho Chi Minh City (Saigon).

Luoyang $1,471
Ho Chi Minh City (Saigon) $1,931

Living in Luoyang costs roughly 23% less than in Ho Chi Minh City (Saigon), and outside of rent the biggest gap is in eating out.

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

Meal at Budget Restaurant

$3.67 ¥24.52

$1.91 ₫49.6K

92.15%

Three-Course Dinner for Two, Mid-Range

$29.73 ¥199

$22.84 ₫591.2K

30.17%

Fast Food Meal (McDonalds, etc)

$5.62 ¥37.58

$4.54 ₫117.6K

23.79%

Cappuccino

$3.55 ¥23.74

$1.85 ₫48.0K

91.89%

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

$0.47 ¥3.15

$0.56 ₫14.6K

-16.07%

Water (0.33 liter bottle)

$0.27 ¥1.82

$0.32 ₫8,185

-15.62%

Local Beer (0.5 liter draught)

$1.24 ¥8.26

$1.06 ₫27.5K

16.98%

Imported Beer (0.33 liter bottle)

$2.92 ¥19.50

$1.72 ₫44.5K

69.77%

Milk (1 liter)

$1.92 ¥12.86

$1.66 ₫42.9K

15.66%

White Bread (500g)

$2.30 ¥15.39

$1.11 ₫28.7K

107.21%

Rice (white) (1kg)

$1.07 ¥7.17

$1.00 ₫25.9K

7.00%

Eggs

$1.42 ¥9.49

$1.67 ₫43.1K

-14.97%

Local Cheese (1kg)

$13.60 ¥90.9

$12.08 ₫312.8K

12.58%

Chicken Fillets (1kg)

$3.29 ¥21.99

$3.68 ₫95.2K

-10.60%

Beef Round Steak (1kg)

$9.11 ¥60.9

$10.24 ₫265.1K

-11.04%

Apples (1kg)

$0.93 ¥6.21

$2.96 ₫76.5K

-68.58%

Banana (1kg)

$1.34 ¥8.98

$1.24 ₫32.2K

8.06%

Oranges (1kg)

$1.50 ¥10.02

$1.56 ₫40.3K

-3.85%

Tomato (1kg)

$1.33 ¥8.86

$1.30 ₫33.6K

2.31%

Potato (1kg)

$0.75 ¥5.05

$1.23 ₫31.9K

-39.02%

Onion (1kg)

$0.89 ¥5.95

$1.15 ₫29.8K

-22.61%

Lettuce (1 head)

$0.44 ¥2.93

$0.74 ₫19.1K

-40.54%

Water (1.5 liter bottle)

$0.80 ¥5.33

$0.56 ₫14.4K

42.86%

Cigarettes 20 Pack (Marlboro, Camel)

$1.69 ¥11.27

$1.24 ₫32.1K

36.29%

Wine (Bottle)

$13.33 ¥89.1

$12.60 ₫326.1K

5.79%

Local Beer (0.5 liter bottle)

$0.47 ¥3.15

$0.96 ₫24.9K

-51.04%

Imported Beer (0.33 liter bottle)

$2.25 ¥15.06

$1.53 ₫39.6K

47.06%

One-way Ticket (Public Transport)

$0.29 ¥1.91

$0.26 ₫6,694

11.54%

Public Transport Monthly Pass (Regular Price)

$18.21 ¥122

$11.51 ₫297.9K

58.21%

Taxi Start (Normal Tariff)

$1.18 ¥7.92

$0.75 ₫19.5K

57.33%

Taxi (Normal Tariff) (1km)

$0.35 ¥2.36

$0.67 ₫17.4K

-47.76%

Taxi 1hour Waiting (Normal Tariff)

$7.26 ¥48.57

$3.03 ₫78.5K

139.60%

Gasoline (1 liter)

$1.27 ¥8.46

$0.96 ₫24.8K

32.29%

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

$19.6K ¥131.2K

$31.1K ₫804.3M

-36.85%

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

$17.2K ¥115.3K

$30.4K ₫785.9M

-43.22%

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

$43.59 ¥291

$102 ₫2.6M

-57.26%

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

$6.03 ¥40.30

$5.89 ₫152.5K

2.38%

Internet (50+ Mbps, Unlimited Data)

$10.29 ¥68.8

$10.49 ₫271.6K

-1.91%

Gym Membership (Monthly)

$22.19 ¥148

$25.54 ₫661.2K

-13.12%

Tennis Court (1 Hour on Weekend)

$12.12 ¥81.0

$11.92 ₫308.5K

1.68%

Cinema Ticket

$5.59 ¥37.35

$3.53 ₫91.3K

58.36%

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

$196 ¥1,310

$436 ₫11.3M

-55.09%

International Primary School, 1 Child (Yearly)

$18.7K ¥124.7K

$23.3K ₫602.8M

-19.88%

Jeans (Levis 501 Or Similar)

$50.2 ¥336

$52.8 ₫1.4M

-4.87%

Summer Dress (H&M, Zara, etc)

$29.97 ¥200

$34.15 ₫884.1K

-12.24%

Sport Shoes (Adidas, Nike)

$64.4 ¥431

$90.3 ₫2.3M

-28.62%

Men's Leather Business Shoes

$79.3 ¥531

$95.0 ₫2.5M

-16.48%

1-bedroom Apartment, City Center (Monthly)

$188 ¥1,256

$589 ₫15.3M

-68.12%

1-bedroom Apartment, Outside City Center (Monthly)

$129 ¥860

$298 ₫7.7M

-56.81%

3-bedroom Apartment, City Center (Monthly)

$438 ¥2,930

$1,292 ₫33.5M

-66.09%

3-bedroom Apartment, Outside City Center (Monthly)

$224 ¥1,499

$711 ₫18.4M

-68.44%

Buy Apartment in City Center (m2)

$2,162 ¥14.5K

$4,676 ₫121.1M

-53.76%

Buy Apartment Outside City Center (m2)

$1,407 ¥9,408

$1,904 ₫49.3M

-26.08%

Average Monthly Net Salary (After Tax)

$628 ¥4,202

$490 ₫12.7M

28.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.45

8.64

-48.50%

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

Last update for Luoyang: October 11, 2026

Last update for Ho Chi Minh City (Saigon): October 10, 2026

Monthly budget structure

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

Groceries & Markets

Luoyang

$211 32%

Ho Chi Minh City (Saigon)

$207 24.1% 1.8% $3.7

Accommodation & Living

Luoyang

$129 19.5%

Ho Chi Minh City (Saigon)

$298 34.7% 132% $169

Eating Out

Luoyang

$104 15.7%

Ho Chi Minh City (Saigon)

$63 7.4% 38.9% $40

Clothing & Footwear

Luoyang

$101 15.3%

Ho Chi Minh City (Saigon)

$122 14.3% 21.5% $22

Monthly Utilities & Internet

Luoyang

$60 9.1%

Ho Chi Minh City (Saigon)

$118 13.8% 97.6% $58

Sport & Entertainment

Luoyang

$33 5.1%

Ho Chi Minh City (Saigon)

$33 3.8% 2.3% $0.8

Getting Around

Luoyang

$22 3.4%

Ho Chi Minh City (Saigon)

$17 1.9% 25.3% $5.7

Cost Breakdown

A one-bedroom apartment in the center runs $188 in Luoyang and $589 in Ho Chi Minh City (Saigon). Housing cost is often the main lever when comparing two cities.

Luoyang pays 28% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $30.00 in Luoyang vs $23.00 in Ho Chi Minh City (Saigon) for a mid-range dinner for two. Groceries echo the gap at $211 vs $207 per month, with Ho Chi Minh City (Saigon) cheaper across the board.

Good to know

🇨🇳 Luoyang

🇻🇳 Ho Chi Minh City (Saigon)

🕒 Local time

17:16 5:16 PM

16:16 4:16 PM

1 h behind Luoyang

🌤 Weather

👥 Population

1,926,000

9,456,700

💱 Currency

Chinese Yuan CNY ¥

Vietnamese Dong VND ₫

📈 Exchange rate

1 CNY = 0.15 USD

1 CNY = 0.133 EUR

100,000 VND = 3.86 USD

100,000 VND = 3.44 EUR

Exchange rates and currency converter

VND, USD, EUR to CNY – Chinese Yuan Converter

🇺🇸 United States Dollar ($)

🇨🇳 Chinese Yuan (¥)

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).

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).

USD to CNY in detail →

On the map

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

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Luoyang
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

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

Luoyang wins on cost – living expenses run 30% 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.

Average pay runs 28% higher in Luoyang, 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: $188 in Luoyang versus $589 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 $660 per month in Luoyang versus $859 in Ho Chi Minh City (Saigon) – a 30% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Luoyang runs roughly 58% 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 $660 in Luoyang versus $859 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 $660 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Luoyang hard to pass up.

Safety-wise, Luoyang 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 Luoyang gentler on the wallet – expenses run 30% less than in Ho Chi Minh City (Saigon). Beyond cost, consider language, visa policies, and how big the international community is in each city.