Last update: Oct 2026

Cost of Living Comparison Between Xi'an and Ho Chi Minh City (Saigon)

For one person, living is cheaper in Xi'an: $733 a month against $855 in Ho Chi Minh City (Saigon), rent and utilities included – about $1,500 less a year. Higher rent and utilities in Ho Chi Minh City (Saigon) outweigh lower spending on other living expenses.

35

Cost of Living Index in Xi'an
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Xi'an 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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Xi'an

🇨🇳 China

$733

/mo nomad

Ho Chi Minh City (Saigon)

🇻🇳 Vietnam

$855

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $733 in Xi'an versus $855 in Ho Chi Minh City (Saigon).

Xi'an $733
Ho Chi Minh City (Saigon) $855

Estimated couple costs with rent: $1,128 in Xi'an versus $1,400 in Ho Chi Minh City (Saigon).

Xi'an $1,128
Ho Chi Minh City (Saigon) $1,400

Monthly costs for a family of three with rent: $1,523 in Xi'an versus $1,944 in Ho Chi Minh City (Saigon).

Xi'an $1,523
Ho Chi Minh City (Saigon) $1,944

Living in Xi'an costs roughly 14% 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: Xi'an 45% lower, Ho Chi Minh City (Saigon) 36% lower.

Meal at Budget Restaurant

$2.72 ¥18.15

$1.90 ₫49.1K

43.16%

Three-Course Dinner for Two, Mid-Range

$18.21 ¥122

$23.32 ₫603.5K

-21.91%

Fast Food Meal (McDonalds, etc)

$4.55 ¥30.41

$4.67 ₫120.9K

-2.57%

Cappuccino

$2.16 ¥14.45

$1.85 ₫47.9K

16.76%

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

$0.41 ¥2.71

$0.56 ₫14.4K

-26.79%

Water (0.33 liter bottle)

$0.27 ¥1.80

$0.34 ₫8,857

-20.59%

Local Beer (0.5 liter draught)

$1.52 ¥10.16

$1.01 ₫26.2K

50.50%

Imported Beer (0.33 liter bottle)

$1.52 ¥10.13

$1.69 ₫43.7K

-10.06%

Milk (1 liter)

$1.47 ¥9.82

$1.58 ₫40.8K

-6.96%

White Bread (500g)

$1.72 ¥11.48

$1.04 ₫27.0K

65.38%

Rice (white) (1kg)

$0.89 ¥5.97

$0.99 ₫25.7K

-10.10%

Eggs

$1.46 ¥9.76

$1.60 ₫41.5K

-8.75%

Local Cheese (1kg)

$11.64 ¥77.8

$12.23 ₫316.6K

-4.82%

Chicken Fillets (1kg)

$4.16 ¥27.82

$3.54 ₫91.7K

17.51%

Beef Round Steak (1kg)

$10.40 ¥69.5

$10.44 ₫270.2K

-0.38%

Apples (1kg)

$1.63 ¥10.92

$3.09 ₫79.9K

-47.25%

Banana (1kg)

$1.16 ¥7.75

$1.26 ₫32.5K

-7.94%

Oranges (1kg)

$1.29 ¥8.60

$1.57 ₫40.6K

-17.83%

Tomato (1kg)

$1.32 ¥8.82

$1.26 ₫32.5K

4.76%

Potato (1kg)

$0.69 ¥4.62

$1.17 ₫30.4K

-41.03%

Onion (1kg)

$0.73 ¥4.90

$1.15 ₫29.7K

-36.52%

Lettuce (1 head)

$0.61 ¥4.08

$0.72 ₫18.7K

-15.28%

Water (1.5 liter bottle)

$0.58 ¥3.88

$0.54 ₫14.0K

7.41%

Cigarettes 20 Pack (Marlboro, Camel)

$3.46 ¥23.10

$1.22 ₫31.5K

183.61%

Wine (Bottle)

$9.96 ¥66.6

$12.28 ₫317.8K

-18.89%

Local Beer (0.5 liter bottle)

$0.82 ¥5.48

$0.98 ₫25.4K

-16.33%

Imported Beer (0.33 liter bottle)

$1.68 ¥11.20

$1.49 ₫38.5K

12.75%

One-way Ticket (Public Transport)

$0.29 ¥1.93

$0.28 ₫7,249

3.57%

Public Transport Monthly Pass (Regular Price)

$26.12 ¥175

$11.62 ₫300.8K

124.78%

Taxi Start (Normal Tariff)

$1.28 ¥8.57

$0.73 ₫18.9K

75.34%

Taxi (Normal Tariff) (1km)

$0.31 ¥2.09

$0.64 ₫16.7K

-51.56%

Taxi 1hour Waiting (Normal Tariff)

$4.51 ¥30.13

$3.17 ₫82.0K

42.27%

Gasoline (1 liter)

$1.34 ¥8.99

$0.95 ₫24.6K

41.05%

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

$19.1K ¥127.8K

$30.7K ₫795.6M

-37.81%

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

$17.6K ¥117.5K

$30.6K ₫791.6M

-42.52%

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

$89.4 ¥597

$102 ₫2.6M

-12.65%

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

$6.09 ¥40.72

$5.65 ₫146.1K

7.79%

Internet (50+ Mbps, Unlimited Data)

$10.78 ¥72.1

$10.52 ₫272.2K

2.47%

Gym Membership (Monthly)

$30.01 ¥201

$25.86 ₫669.2K

16.05%

Tennis Court (1 Hour on Weekend)

$21.10 ¥141

$11.82 ₫305.9K

78.51%

Cinema Ticket

$5.96 ¥39.82

$3.39 ₫87.8K

75.81%

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

$692 ¥4,626

$438 ₫11.3M

58.11%

International Primary School, 1 Child (Yearly)

$17.5K ¥116.7K

$23.3K ₫603.1M

-25.04%

Jeans (Levis 501 Or Similar)

$38.93 ¥260

$51.5 ₫1.3M

-24.44%

Summer Dress (H&M, Zara, etc)

$36.83 ¥246

$34.56 ₫894.3K

6.57%

Sport Shoes (Adidas, Nike)

$74.2 ¥496

$91.3 ₫2.4M

-18.75%

Men's Leather Business Shoes

$92.5 ¥618

$94.9 ₫2.5M

-2.58%

1-bedroom Apartment, City Center (Monthly)

$310 ¥2,071

$577 ₫14.9M

-46.28%

1-bedroom Apartment, Outside City Center (Monthly)

$178 ¥1,190

$292 ₫7.6M

-39.08%

3-bedroom Apartment, City Center (Monthly)

$879 ¥5,876

$1,293 ₫33.5M

-32.02%

3-bedroom Apartment, Outside City Center (Monthly)

$350 ¥2,341

$717 ₫18.6M

-51.16%

Buy Apartment in City Center (m2)

$2,369 ¥15.8K

$4,714 ₫122.0M

-49.74%

Buy Apartment Outside City Center (m2)

$1,647 ¥11.0K

$1,882 ₫48.7M

-12.51%

Average Monthly Net Salary (After Tax)

$1,069 ¥7,141

$486 ₫12.6M

119.96%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.35

8.64

-61.23%

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

Last update for Xi'an: October 4, 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.

Groceries & Markets

Xi'an

$195 26.6%

Ho Chi Minh City (Saigon)

$206 24.1% 5.2% $10

Accommodation & Living

Xi'an

$178 24.2%

Ho Chi Minh City (Saigon)

$292 34.3% 64.1% $114

Clothing & Footwear

Xi'an

$109 14.8%

Ho Chi Minh City (Saigon)

$123 14.4% 12.3% $13

Monthly Utilities & Internet

Xi'an

$106 14.5%

Ho Chi Minh City (Saigon)

$118 13.9% 11.5% $12

Eating Out

Xi'an

$75 10.2%

Ho Chi Minh City (Saigon)

$63 7.5% 15% $11

Sport & Entertainment

Xi'an

$42 5.7%

Ho Chi Minh City (Saigon)

$33 3.8% 22.2% $9.3

Getting Around

Xi'an

$30 4.1%

Ho Chi Minh City (Saigon)

$17 2% 44.6% $13

Cost Breakdown

A one-bedroom apartment in the center runs $310 in Xi'an and $577 in Ho Chi Minh City (Saigon). Housing cost is often the main lever when comparing two cities.

Xi'an pays 120% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $18.00 in Xi'an vs $23.00 in Ho Chi Minh City (Saigon) for a mid-range dinner for two. Groceries echo the gap at $195 vs $206 per month, with Xi'an cheaper across the board.

Good to know

🇨🇳 Xi'an

🇻🇳 Ho Chi Minh City (Saigon)

🕒 Local time

17:56 5:56 PM

16:56 4:56 PM

1 h behind Xi'an

🌤 Weather

👥 Population

12,183,280

9,456,700

💱 Currency

Chinese Yuan CNY ¥

Vietnamese Dong VND ₫

📈 Exchange rate

1 CNY = 0.15 USD

1 CNY = 0.134 EUR

100,000 VND = 3.86 USD

100,000 VND = 3.45 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 10, 2026: 1 USD = 6.68 CNY (1 CNY = 0.15 USD). 1 EUR = 7.49 CNY (1 CNY = 0.134 EUR).

Vietnamese Dong exchange rates as of October 10, 2026: 1 USD = 25,879 VND (100,000 VND = 3.86 USD). 1 EUR = 28,999 VND (100,000 VND = 3.45 EUR).

USD to CNY in detail →

On the map

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Xi'an Ho Chi Minh City (Saigon) 2,620 km ≈ 3 h 45 min nonstop flight

From you

Xi'an
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

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

Xi'an wins on cost – living expenses run 17% lower than in Ho Chi Minh City (Saigon). Housing and daily spending are where you'll feel the difference most, making Xi'an the obvious pick if budget is a priority.

Average pay runs 120% higher in Xi'an, 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: $310 in Xi'an 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 $733 per month in Xi'an versus $855 in Ho Chi Minh City (Saigon) – a 17% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Xi'an runs roughly 125% 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 $733 in Xi'an versus $855 in Ho Chi Minh City (Saigon), a $1,000 budget is realistic in Xi'an but tight or insufficient in Ho Chi Minh City (Saigon). The gap between the two cities makes Xi'an the clear choice for anyone on this budget.

Both work as nomad bases, but Xi'an delivers better value – similar infrastructure at $733 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Xi'an hard to pass up.

Safety-wise, Xi'an 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 Xi'an gentler on the wallet – expenses run 17% less than in Ho Chi Minh City (Saigon). Beyond cost, consider language, visa policies, and how big the international community is in each city.