Cost Of Living For a Couple in Ha Noi 2025

Couple cost of living chart - average monthly expenditure in Ha Noi

Average Monthly Expenditure

Currency: VND
12M 36M 190M
MINIMUM AVERAGE MAXIMUM
$490 $1,500 $7,800

Average monthly spending for couples in Ha Noi

How much money does a couple need in a month to survive in Ha Noi?

Couples in Ha Noi spend around 36M VND per month on average. Depending on the lifestyle, a couple can survive with a monthly budget as low as 12M VND or as high as 190M VND. Location and income are very important factors and have a huge influence on expenditure and budget.


Prices and cost of goods and services in Ha Noi


Chart showing the prices and cost of grocery, food, restaurant meals, market, and beverages in Ha Noi

Dining, food, and beverages costs


Fast food combo meal

30,000 VND 60,000 VND 100,000 VND
MINIMUM AVERAGE MAXIMUM
$1.2 $2.4 $4.1

Restaurant meal for one

100,000 VND 150,000 VND 310,000 VND
MINIMUM AVERAGE MAXIMUM
$4.2 $6.2 $12

Fine dining meal for one

210,000 VND 310,000 VND 1.2M VND
MINIMUM AVERAGE MAXIMUM
$8.3 $12 $50

Cappuccino or latte

25,000 VND 40,000 VND 60,000 VND
MINIMUM AVERAGE MAXIMUM
$1 $1.6 $2.4

Grocery and market costs


Milk large bottle

20,000 VND 24,000 VND 30,000 VND
MINIMUM AVERAGE MAXIMUM
$0.81 $0.97 $1.2

12 eggs

15,000 VND 20,000 VND 30,000 VND
MINIMUM AVERAGE MAXIMUM
$0.61 $0.81 $1.2

Fresh whole chicken

34,000 VND 44,000 VND 63,000 VND
MINIMUM AVERAGE MAXIMUM
$1.4 $1.8 $2.5

Pack of beef

40,000 VND 60,000 VND 120,000 VND
MINIMUM AVERAGE MAXIMUM
$1.6 $2.4 $4.9

Medium bag of rice

16,000 VND 22,000 VND 31,000 VND
MINIMUM AVERAGE MAXIMUM
$0.65 $0.89 $1.3

Bag of tomatos

6,000 VND 8,000 VND 15,000 VND
MINIMUM AVERAGE MAXIMUM
$0.24 $0.32 $0.61

Bag of apples

11,000 VND 14,000 VND 23,000 VND
MINIMUM AVERAGE MAXIMUM
$0.43 $0.57 $0.94
Chart showing the prices and cost of commute, travel, and transportation in Ha Noi


Commute, travel, and transportation costs


20 minutes taxi ride

26,000 VND 31,000 VND 62,000 VND
MINIMUM AVERAGE MAXIMUM
$1 $1.2 $2.5

Average car full tank

150,000 VND 200,000 VND 400,000 VND
MINIMUM AVERAGE MAXIMUM
$6.1 $8.1 $16

Average car 1-day rental

160,000 VND 210,000 VND 320,000 VND
MINIMUM AVERAGE MAXIMUM
$6.4 $8.5 $13

Average car price

75M VND 150M VND 200M VND
MINIMUM AVERAGE MAXIMUM
$3,000 $6,100 $8,100

Bus ticket one way

5,300 VND 7,900 VND 16,000 VND
MINIMUM AVERAGE MAXIMUM
$0.21 $0.32 $0.64

Car Service

210,000 VND 320,000 VND 630,000 VND
MINIMUM AVERAGE MAXIMUM
$8.5 $13 $26
Chart showing the prices and cost of utility, energy, water, and gas in Ha Noi


Utility cost (monthly)


Utility Bill - Couple

480,000 VND 1.6M VND 11M VND
MINIMUM AVERAGE MAXIMUM
$19 $66 $430

Internet and cable

150,000 VND 300,000 VND 400,000 VND
MINIMUM AVERAGE MAXIMUM
$6.1 $12 $16

Mobile phone charges

120,000 VND 200,000 VND 600,000 VND
MINIMUM AVERAGE MAXIMUM
$4.9 $8.1 $24

Leisure and activities costs


Movie ticket

75,000 VND 100,000 VND 150,000 VND
MINIMUM AVERAGE MAXIMUM
$3 $4.1 $6.1

One month gym membership

250,000 VND 320,000 VND 630,000 VND
MINIMUM AVERAGE MAXIMUM
$10 $13 $26
Chart showing the prices and cost of clothing and accessories in Ha Noi


Cloths and accessories costs


Pair of jeans or pants

190,000 VND 260,000 VND 400,000 VND
MINIMUM AVERAGE MAXIMUM
$7.5 $11 $16

Woman dress

180,000 VND 240,000 VND 790,000 VND
MINIMUM AVERAGE MAXIMUM
$7.1 $9.8 $32

Woman shoes

170,000 VND 230,000 VND 530,000 VND
MINIMUM AVERAGE MAXIMUM
$6.7 $9.1 $21

Men's shoes

140,000 VND 180,000 VND 350,000 VND
MINIMUM AVERAGE MAXIMUM
$5.8 $7.1 $14

Men suit

160,000 VND 200,000 VND 1.1M VND
MINIMUM AVERAGE MAXIMUM
$6.4 $8 $43

Regular t-shirt

79,000 VND 110,000 VND 320,000 VND
MINIMUM AVERAGE MAXIMUM
$3.2 $4.3 $13
Chart showing the prices and cost of housing, accommodation, and rent in Ha Noi


Housing costs / monthly rent


Studio apartment

2.6M VND 4M VND 11M VND
MINIMUM AVERAGE MAXIMUM
$110 $160 $430

1-bedroom apartment

4M VND 6.3M VND 16M VND
MINIMUM AVERAGE MAXIMUM
$160 $260 $640

2-bedroom apartment

5.3M VND 7.9M VND 21M VND
MINIMUM AVERAGE MAXIMUM
$210 $320 $850

Housing costs / Buying


Studio apartment

530M VND 790M VND 1,600M VND
MINIMUM AVERAGE MAXIMUM
$21,000 $32,000 $64,000

1-bedroom apartment

630M VND 1,100M VND 4,000M VND
MINIMUM AVERAGE MAXIMUM
$26,000 $43,000 $160,000

2-bedroom apartment

1,100M VND 3,200M VND 6,300M VND
MINIMUM AVERAGE MAXIMUM
$43,000 $130,000 $260,000
Chart showing the prices and cost of furniture in Ha Noi


Furniture Costs


King Size Bed

3M VND 3.8M VND 5M VND
MINIMUM AVERAGE MAXIMUM
$120 $150 $200

Double Bed

2M VND 3M VND 3.8M VND
MINIMUM AVERAGE MAXIMUM
$81 $120 $150

Single Bed

1.8M VND 2.3M VND 3M VND
MINIMUM AVERAGE MAXIMUM
$72 $94 $120

Living Room

3.4M VND 4.3M VND 15M VND
MINIMUM AVERAGE MAXIMUM
$140 $170 $610

Dining Table

1.5M VND 2M VND 3.8M VND
MINIMUM AVERAGE MAXIMUM
$61 $81 $150

Sofa or Couch

2M VND 2.7M VND 6M VND
MINIMUM AVERAGE MAXIMUM
$81 $110 $240
Chart showing the prices and cost of electronic devices and appliances in Ha Noi


Electronics and House Appliance Costs


TV Set

2M VND 3M VND 6M VND
MINIMUM AVERAGE MAXIMUM
$81 $120 $240

Fridge or Freezer

1.8M VND 2.7M VND 3.8M VND
MINIMUM AVERAGE MAXIMUM
$72 $110 $150

Washing Machine

2.3M VND 3.4M VND 6M VND
MINIMUM AVERAGE MAXIMUM
$94 $140 $240

Stove or Cooker

2.2M VND 2.7M VND 3.8M VND
MINIMUM AVERAGE MAXIMUM
$87 $110 $150

Mobile Phone

2.5M VND 3M VND 4.3M VND
MINIMUM AVERAGE MAXIMUM
$100 $120 $170

Laptop or Computer

2.7M VND 3.4M VND 6M VND
MINIMUM AVERAGE MAXIMUM
$110 $140 $240
Couple cost of living and expenditure to income ratio in Ha Noi

Couple expenditure to income ratio in Ha Noi

Analysing the how affordable it is for couples to live in Ha Noi

One of the most definite ways to determine how affordable a place is measuring the ratio of expenses to salary. A high expense-to-income to ratio indicates a high cost-of-living index while a low expenditure-to-salary ratio means the place is affordable to live in. Couples usually spend a larger chunk of their income than other population groups. A typical and healthy expenditure percentage for a couple of four ranges between 70% to 80%.


Spending to Income Ratio

87%

80% to 95%

( expenditure / income ) x 100


Couples in Ha Noi spend around 87% of their monthly income. Some couples spend as low as 80% of their income while some as high as 95%.

Distribution of monthly cost of living expenses of a couple in Ha Noi

How do couples spend their money in Ha Noi?

We asked thousands of couples about their spending habits and expenditure break down.


The percentage figures in this section are percentages of total spending not income. If you would like to see the percentage of expenses as related to income or salary, see other sections.

Housing and accomodation expenditure for couples

Accomodation Cost26%

26% of total expenses on average (19% to 36%)

LOW$170   4.1M VND
AVERAGE$500   12M VND
HIGH$2,600   65M VND
Per Month

Couples in Ha Noi typically spend from 19% to 36% of their total monthly expenditure on housing with 26% being the average. The average monthly spend on housing is 12M VND with expenditure ranging from 4.1M VND to 65M VND. This cost mainly goes for rent but it also includes other accommodation-related expenses.

Electricity, utilities, energy, water, internet, and mobile expenditure for couples

Cost of utilities8%

8% of total expenses on average (6% to 12%)

LOW$19   480,000 VND
AVERAGE$66   1.6M VND
HIGH$430   11M VND
Per Month

Utility expenditure like electricity, water, and gas in Ha Noi ranges from 6% to 12% of total expenses with 8% being the average for most couples. The average monthly cost of utilities is 1.6M VND with 480,000 VND and 11M VND being the upper and lower limits for a couple of four.

Transport, fuel, and commute expenditure for couples

Cost of transport and fuel9%

9% of total expenses on average (3% to 14%)

LOW$58   1.4M VND
AVERAGE$170   4.3M VND
HIGH$930   23M VND
Per Month

Fuel consumption and cost of transport depend heavily on whether a couple resides near school and work, but roughly speaking a couple would expect to spend from 1.4M VND to 23M VND in a month on commuting with 4.3M VND being the norm for most couples. This means that money spent on transport constitutes about 9% of total spending on average but can go as low as 3% or as high as 14%.

Food, groceries, and basic shopping expenditure for couples

Food and Groceries Cost17%

17% of total expenses on average (12% to 22%)

LOW$68   1.7M VND
AVERAGE$200   5.1M VND
HIGH$1,100   27M VND
Per Month

The average outlay on groceries and basic houshold items for a typical couple in a month in Ha Noi is 5.1M VND. The cost of groceries can range between 1.7M VND to 27M VND. Couples spend on average about 17% on food and groceries with upper and lower bounds of 12% and 22% respectively.

Healthcare and medical services expenditure for couples

Cost of healthcare14%

14% of total expenses on average (8% to 18%)

LOW$53   1.3M VND
AVERAGE$160   4M VND
HIGH$850   21M VND
Per Month

Couples in Ha Noi allocate 8% to 18% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending on medical services and clinic visits is around 14%. The range of medical expenses range from 1.3M VND to 21M VND with 4M VND being the norm for most couples.

Leisure and shopping expenditure for couples

Cost of leisure and shopping3%

3% of total expenses on average (1% to 6%)

LOW$29   720,000 VND
AVERAGE$87   2.2M VND
HIGH$470   12M VND
Per Month

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 720,000 VND to 12M VND with 2.2M VND being the average. Speaking of percentages, that equates to 1% to 6% of total expenses with an average of 3% for most couples.

Education and schooling expenditure for couples

Cost of education and schooling1%

1% of total expenses on average (0.00% to 3%)

LOW$9.7   240,000 VND
AVERAGE$29   720,000 VND
HIGH$160   3.9M VND
Per Month

Spending on education can vary drastically between different couples. On average, education constitutes 1% of the monthly expenditure of couples with 0.00% and 3% being the lower and upper bounds respectively. The average reported education cost is 720,000 VND per month with 240,000 VND being the minimum spent amount and 3.9M VND being the maximum.

Other Expenses21%

21% of total expenses on average (15% to 27%)

LOW$83   2M VND
AVERAGE$250   6.1M VND
HIGH$1,300   33M VND
Per Month
Percentage of couples who manage to save money from their income every month in Ha Noi

What percentage of couples in Ha Noi are able to save money and how much can they save?


Percentage of couples that reported their ability to save money


Saving Money
58%
Not Saving
42%

Almost 58% of surveyed couples in Ha Noi said that they can save some money at the end of each month while 42% reported that they have to utilize their whole income to survive.


Couple savings to income ratio in Ha Noi

Savings-to-Income Ratio

The savings-to-income ratio is measured as the percentage of income that people save over a specific period and it is simply calculated by dividing the saved money by total income and then multiplying the result by 100. (Savings / Income) x 100.


How much money do couples manage to add to their savings?

The amount of money that people can afford to save depends hugely on their income. It is better to focus on the percentage when trying to understand saving patterns.

Saving to Income Ratio

9.5% 18% of income 31%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

3.8M VND
$150
11M VND
$460
61M VND
$2,400
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%36%
10% - 20%27%
20% - 30%19%
30% - 40%8%
40% - 50%7%
> 50%3%

Interpretation and Analysis

Couples that are able to save money can put anywhere from 9.5% to 31% of their monthly income to their savings, with 18% being the average for most couples. The average monthly amount of money that couples can put aside is 11M VND with 3.8M VND and 61M VND being the minimum and maximum respectively.

Reasons that make it difficult for couples to save money in Ha Noi

Saving Challenges in Ha Noi

Reasons that make it difficult for couples to save money

We wanted to understand what is stopping couples from maximizing their savings in Ha Noi. Listed below are the answers given by the survey participants.


Reason% People
Low Income5%
High Expenses8%
Debt and Loans13%
Lack of Budgeting Skills12%
Impulsive Spending12%
Financial Emergencies7%
Living the moment5%
Will do it later21%
Inflation13%
Social Pressure3%
Market Instability2%

Around 5% of the couples said that their salary is too low to accommodate a portion for savings while 8% said that the high cost of living leaves little room for savings. 13% of the residents said that they are burdened with debt and find it challenging to save money. 12% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 12% of couples blamed impulsive spending as the reason for saving inability. Around 7% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 5% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 21% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 13% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.

Where do couples choose to put their savings in Ha Noi

Typical saving choices for couples in Ha Noi

Where do people choose to put their savings?


Saving Type% People
Emergency Funds12%
Gold13%
Savings Accounts17%
Retirement Accounts10%
Cash Savings21%
Real Estate9%
Investment5%
Stocks4%
Bonds5%
Mutual Funds2%
Certificates of Deposit3%
A typical and healthy budgeting structure. The 50-30-20 rule

A typical and healthy budgeting structure

The 50/30/20 rule

Spending among different people can vary significantly based on factors such as their income, lifestyle, location, and personal preferences. A commonly used guideline for budgeting is the 50/30/20 rule, which suggests allocating your income into three main categories in the following percentages.

  • 50% for needs and financial obligations

    This category includes essential expenses like housing, utilities, groceries, transportation, and healthcare.

  • 30% for wants and discretionary spending

    This category covers discretionary spending on non-essential items, such as dining out, entertainment, travel, and other lifestyle choices.

  • 20% for savings and emergency fund

    This is the percentage that must be allocated to savings, emergency funds, and retirement accounts.

About financial planning, money management, and household budgeting

The 50/30/20 rule is used as a general guideline but may not be the best choice for all people. There are in fact many budgeting plans out there like the 70/20/10 and the 60/20/20 rules, all claiming to be the best. More important than all of this is to establish financial discipline by creating a budget tailored to your specific financial goals and situation. It is very important that your financial outflow be less than your income to maintain a healthy cash flow.

Income and cost of living compatibility. Is it affordable or economical for couples to live in Ha Noi

Affordable living in Ha Noi

Income and cost of living compatibility

We asked couples one simple question and recorded their answers.

Is it affordable or economical to live in Ha Noi?


Yes
53%
No
47%

Around 53% of surveyed couples think that living in Ha Noi is affordable with proper budgeting while 47% reported that it is just too expensive and not affordable even with frugality and thriftness.

How easily is cost-cutting for couples. Are there plenty of low-cost options in Ha Noi

Low-cost alternatives in Ha Noi

People are always looking for ways to cut down expenses and reduce expenditures. The hallmark of any affordable place is the availability of discount stores, bargain deals, smart or secondhand shopping, refurbished items, and couponing. We asked couples how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options56%

Few low-cost options44%


Based on the survey, 56% of the couples living in Ha Noi have no problem finding low-cost alternatives to support a frugal lifestyle while 44% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Emergency Funds For Couples

An emergency fund is a financial safety net comprised of easily accessible savings set aside to cover unexpected expenses or financial emergencies, typically amounting to three to six months' worth of living expenses. We asked couples of Ha Noi whether they have an emergency fund and the answers were as follows.

Yes48%

No53%


Based on the survey, 53% of the couples living in Ha Noi said that they don't have an emergency fund while 48% said that they do.

Financial literacy and difficulty in budgeting and financial planning for couples in Ha Noi

Financial Literacy in Vietnam

Financial literacy is the knowledge of concepts and principles related to personal finance that allow individuals to make informed decisions regarding their money such as budgeting, saving, investing, borrowing, managing debt, financial risk management, and planning.

Financial Leteracy45%


We asked couple guardians and parents in Ha Noi whether they acquired any adequate personal financial training in their lives. Approximately 55% of the people who participated in the survey said that they are not well informed about the topics of budgeting, saving, etc., and just manage things based on their own experience, while 45% said that they know about the general principles of personal finance from sources other than their own experience.


Difficulty in Budgeting and Financial Planning

We wanted to understand whether couples of Vietnam have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 60% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 40% said that they have everything under control.

Struggles with finance60%

Easily manages finances40%

Financial goals and targets of couples living in Ha Noi

Financial goals of couples in Ha Noi

In an attempt to understand the economic situation in Ha Noi, we asked participants about their financial targets. By knowing what the population in general is trying to achieve, we can shed light on the economic outlook, cost of living, and quality of life in general.


Financial Goal% People
Emergency Fund8%
Debt Reduction43%
Retirement Savings10%
Education Funding7%
Homeownership18%
Investing6%
Travel or Lifestyle7%
Healthcare Expenses14%
Financial Independence5%

Around 8% of couples said that their main goal is to establish an emergency fund to cover unexpected expenses while 43% said their number one priority is to pay off high-interest debt or loans and improve credit. 10% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 7% reported that their priority is saving for the tuition fees and education costs of their children while 18% choose to buy a home or pay off existing mortgage before other things. 6% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 7% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 14% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Chart showing the percentage of couples who are in debt in Ha Noi

Debt, loans, and mortgages in Ha Noi


Percentage of couples who are in debt


In Debt
38%
Debt Free
62%

According to the survey, 38% of the couples in Ha Noi have some kind of debt, loan, mortgage, or credit card payments while 62% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Ha Noi

Debt-to-income ratio in Ha Noi

Debt to income ratio

34%

25% to 42%

( monthly debt payment / monthly income ) x 100

Interpretation

The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 34% of a couple's monthly income in Ha Noi goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%18%
40% - 50%15%
30% - 40%17%
20% - 30%10%
10% - 20%12%
0% - 10%25%

According to our data, 3% of the debtors in Ha Noi pay 60%+ of their income as debt settlement while 18% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 15% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 17% dedicated 30% to 40% of income for same. Things are looking brighter for 10% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Ha Noi

Debt% People
Real Estate Mortgage8%
Auto Loan15%
Student Loan4%
Credit Card30%
Personal Loan43%

8% of debtors in Ha Noi confirm that real estate mortgages constitutes the main part of their outstanding debt while 30% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 15% of people and personal loans rose at 43%. Lastly, student loans are the main source of debt for 4% of debtors in Ha Noi.


About credit score and debt management

Managing debt is a critical aspect of maintaining a favorable credit score. Debt reduction is the first thing you should do improve your financial situation. Getting rid of debt takes precedence over saving money because of interest rates.

Good debt vs. Bad debt

Not all debt is bad. Good debt typically refers to borrowing money for investments that can increase in value or generate income over time like purchasing a home or acquiring student loans. On the other hand, bad debt involves borrowing for things that fail to generate lasting value like high-interest credit card debt used for non-essential expenses like luxury items or vacations.


Loan Affordability Index in Ha Noi

Besides measuring the loan-to-income ratio, we asked couples of Ha Noi how many times in a year they defaulted or were unable to pay their due credit card or loan payments on time. Understanding how often people default on their due payments is one of the indicators of the cost of living and economic situation.

Frequency and percentage of people who failed to pay their monthly credit card or loan payments on time last year.

Frequency% People
Never50%
Once a year24%
Twice a year13%
Three times a year9%
Four times a year4%
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Ha Noi

Housing costs, accommodation, and housing affordability in Ha Noi

Rental costs and house/apartment prices can vary drastically between different areas and locations.


Rent Cost in Ha Noi

Monthly Rent Prices

Studio apartment monthly rent cost

2.6M VND 4M VND 11M VND
MINIMUM AVERAGE MAXIMUM
$110 $160 $430

1-bedroom apartment monthly rent cost

4M VND 6.3M VND 16M VND
MINIMUM AVERAGE MAXIMUM
$160 $260 $640

2-bedroom apartment monthly rent cost

5.3M VND 7.9M VND 21M VND
MINIMUM AVERAGE MAXIMUM
$210 $320 $850

3-bedroom apartment monthly rent cost

6.3M VND 11M VND 29M VND
MINIMUM AVERAGE MAXIMUM
$260 $430 $1,200

Furnished apartment monthly rent cost

13M VND 32M VND 63M VND
MINIMUM AVERAGE MAXIMUM
$510 $1,300 $2,600

Townhouse monthly rent cost

11M VND 16M VND 45M VND
MINIMUM AVERAGE MAXIMUM
$430 $640 $1,800

House monthly rent cost

13M VND 32M VND 63M VND
MINIMUM AVERAGE MAXIMUM
$510 $1,300 $2,600

Villa monthly rent cost

16M VND 40M VND 63M VND
MINIMUM AVERAGE MAXIMUM
$640 $1,600 $2,600

The monthly rental cost of a studio apartment in Ha Noi ranges between 2.6M VND and 11M VND, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 4M VND to 16M VND. Two-bedroom rentals rate ranges between 5.3M VND and 21M VND per month. The monthly rental for a three-bedroom apartment ranges from 6.3M VND to 29M VND. The average rent of a townhouse in Ha Noi is around 16M VND while house rental costs can be as high as 32M VND per month. Finally, if you want to rent a villa, expect to pay anywhere from 16M VND to 63M VND per month.



Apartment and house prices in Ha Noi

Cost of buying a property

Studio apartment price

530M VND 790M VND 1,600M VND
MINIMUM AVERAGE MAXIMUM
$21,000 $32,000 $64,000

1-bedroom apartment price

630M VND 1,100M VND 4,000M VND
MINIMUM AVERAGE MAXIMUM
$26,000 $43,000 $160,000

2-bedroom apartment price

1,100M VND 3,200M VND 6,300M VND
MINIMUM AVERAGE MAXIMUM
$43,000 $130,000 $260,000

3-bedroom apartment price

3,500M VND 5,300M VND 16,000M VND
MINIMUM AVERAGE MAXIMUM
$140,000 $210,000 $640,000

Townhouse price

4,500M VND 11,000M VND 40,000M VND
MINIMUM AVERAGE MAXIMUM
$180,000 $430,000 $1.6M

House price

5,300M VND 32,000M VND 45,000M VND
MINIMUM AVERAGE MAXIMUM
$210,000 $1.3M $1.8M

Villa price

6,300M VND 35,000M VND 53,000M VND
MINIMUM AVERAGE MAXIMUM
$260,000 $1.4M $2.1M

The average price of a studio apartment in Ha Noi can range from 530M VND to 1,600M VND depending on location. One bedroom cost can be anywhere from 630M VND to 4,000M VND. A villa can cost you 35,000M VND on average with prices ranging from 6,300M VND to 53,000M VND.


If you're leasing or purchasing, housing costs in Ha Noi will probably constitute your biggest expenditure, yet it's an area where you wield considerable influence. This is due to the substantial variance in housing prices across communities. Keep in mind the location of your workplace and the accessibility of essential amenities to prevent negating the savings from lower rental rates with increased transportation expenses.

House / apartment prices to income ratio


Property price to income ratio

( average property price / average monthly income ) x 100


33 x93 monthly income 204
MINIMUM AVERAGE MAXIMUM

Property prices in Ha Noi can be x93 to x204 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x93 multiples of the average monthly salary in Ha Noi.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


20% 31% of income 41%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Ha Noi is around 31%. This means that people pay 31% of their income for rent. Those figures can range from 20% to 41% depending on the salary, location, and type of property.


The housing-to-income ratio is a very important metric to evaluate and measure how affordable living is in a particular area, city, or country since housing comprises the biggest chunk of expenditure. A higher housing to income ratio means that the place is relatively expensive. The figure by itself does tell much. It only starts to make sense when comparing the housing to income ratio across different locations.

Housing affordability index

The housing affordability index measures how affordable accommodation is in a particular place. This can measured in multiple ways, the most common being housing expenditure to total expenditure ratio and the rent to income ratio. The housing expenditure ratio is a figure reported by individuals on the percentage they allocate for housing. Rent to income ratio is calculated by dividing the average monthly rent by the average income. Because these values are both percentages, we can find their average and get the best of the two worlds.

Housing Affordability Index
28%

Property Taxes

Real estate owners pay property taxes to local tax authorities, which are determined by the assessed value of their property. Typically, these taxes are paid once a year. Property tax funds contribute to community development, financing infrastructure improvements, public services, and local education initiatives.


FROM
1.9%
AVERAGE
2.9%
TO
3.9%

Home Maintenance Costs

Home maintenance costs encompass various expenses associated with the upkeep and repair of a residence. These expenditures include regular tasks such as lawn care, pest control, and HVAC system servicing, as well as occasional repairs and renovations like fixing leaks, painting, or replacing appliances.


48,000 VND 630,000 VND 6.3M VND
MINIMUM AVERAGE MAXIMUM

Urban vs. rural living costs

Urban living typically entails higher housing and transportation costs due to demand and limited space, while rural areas generally offer lower housing expenses but may have higher prices for goods and services. The differnce in rental rates between urban areas and rural areas can be as high as 300% in some cases.

Monthly costs and expenses of energy and basic utilities in Ha Noi

Utilities expenditure can vary slightly between different areas and locations.


Energy, electricity, water, gas, internet, and mobile cost in Ha Noi

Utility Bill Cost / Electricity + Water + Gas / Couple

480,000 VND 1.6M VND 11M VND
MINIMUM AVERAGE MAXIMUM
$19 $66 $430

Internet and cable cost

150,000 VND 300,000 VND 400,000 VND
MINIMUM AVERAGE MAXIMUM
$6.1 $12 $16

Mobile phone bill and charges

120,000 VND 200,000 VND 600,000 VND
MINIMUM AVERAGE MAXIMUM
$4.9 $8.1 $24

Because most utility bills club electricity, water, and gas costs in one bill, we can't provide a breakup for each type of utility and will display electricity, gas, and water as single cost.


The average monthly energy and water consumption of couples is around 1.6M VND. The cost of internet and WiFi ranges from 150,000 VND to 400,000 VND with 300,000 VND being the average internet bill. Finally, the average monthly mobile charges is around 200,000 VND but can range between 120,000 VND and 600,000 VND depending on consumption. Mobile charges include both calling minutes as well as data packages.


Energy / Utility expense to income ratio


( monthly utility expenses / monthly income ) x 100


3.2% 6.3% of income 11%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Ha Noi is around 6.3%. This means that people pay 6.3% of their income for energy, water, internet, and mobile charges. Those figures can range from 3.2% to 11% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Ha Noi

Grocery / Food expenditure and prices can vary drastically between different areas and locations.


Prices and cost of goods and services in Ha Noi

Dining out, food, and beverages costs. Price variations for common food items.

Fast food combo meal price

30,000 VND 60,000 VND 100,000 VND
MINIMUM AVERAGE MAXIMUM
$1.2 $2.4 $4.1

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Ha Noi is approximatly 60,000 VND with meal cost ranging from 30,000 VND to 100,000 VND. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

100,000 VND 150,000 VND 310,000 VND
MINIMUM AVERAGE MAXIMUM
$4.2 $6.2 $12

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 100,000 VND and 310,000 VND with 150,000 VND being the average price of a plate for one person at a regular restaurant in Ha Noi.

Fine dining meal for one price

210,000 VND 310,000 VND 1.2M VND
MINIMUM AVERAGE MAXIMUM
$8.3 $12 $50

The price range of a meal at fine-dining restaurant is 210,000 VND to 1.2M VND with the average cost being 310,000 VND for one person. This is what you would expect to pay a top-tier diner in Ha Noi.

Beverage prices, cappuccino, latte etc..

25,000 VND 40,000 VND 60,000 VND
MINIMUM AVERAGE MAXIMUM
$1 $1.6 $2.4

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Ha Noi is around 40,000 VND. Price ranges between 25,000 VND and 60,000 VND depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

20,000 VND 24,000 VND 30,000 VND
MINIMUM AVERAGE MAXIMUM
$0.81 $0.97 $1.2

The average price of a large bottle of milk in Ha Noi is 24,000 VND. The maximum what you would pay for milk is 30,000 VND and the minimum being 20,000 VND depending on the brand of milk and other properties.

12 eggs price

15,000 VND 20,000 VND 30,000 VND
MINIMUM AVERAGE MAXIMUM
$0.61 $0.81 $1.2

A dozen eggs costs around 20,000 VND on average with 15,000 VND and 30,000 VND being the lower and upper limits respectively.

Fresh whole chicken price

34,000 VND 44,000 VND 63,000 VND
MINIMUM AVERAGE MAXIMUM
$1.4 $1.8 $2.5

The price range of a fresh whole chicken in Ha Noi is between 34,000 VND and 63,000 VND depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 44,000 VND.

Pack of beef price

40,000 VND 60,000 VND 120,000 VND
MINIMUM AVERAGE MAXIMUM
$1.6 $2.4 $4.9

The price of a regular pack of beef or meat is around 60,000 VND. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

16,000 VND 22,000 VND 31,000 VND
MINIMUM AVERAGE MAXIMUM
$0.65 $0.89 $1.3

A bag of rice in Ha Noi costs around 22,000 VND on average with prices rangeing between 16,000 VND and 31,000 VND depending on the brand and quality.

Bag of tomatos price

6,000 VND 8,000 VND 15,000 VND
MINIMUM AVERAGE MAXIMUM
$0.24 $0.32 $0.61

A bag of tomatoes costs anywhere from 6,000 VND to 15,000 VND. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

11,000 VND 14,000 VND 23,000 VND
MINIMUM AVERAGE MAXIMUM
$0.43 $0.57 $0.94

A bag of apples costs 14,000 VND on average. A bag of apples denotes 1Kg or 1lb depending on location.


Grocery and food expenditure to income ratio


( monthly grocery expenses / monthly income ) x 100


20% 29% of income 35%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Ha Noi is around 29%. This means that couples spend 29% of their income on grocery and basic household items. The expenditure can range from 20% to 35% depending on salary and location.


Expenditure on food and grocery for couples

Couples' spending on grocery ranges from 1.7M VND to 27M VND with the location, income, and size of the couple being the most determinite factors.

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