Aguascalientes vs Ho Chi Minh City
Cost of living comparison for expats and families · 2026
🇲🇽 Mexico
Aguascalientes
$1,020/mo solo
🇻🇳 Vietnam
Ho Chi Minh City
$1,029/mo solo
How we calculate tax rates: Estimated effective rates assume a $200K/yr retiree drawdown, single filer, all long-term capital gains. US figures include federal LTCG + NIIT + state tax (so Boston shows MA, Miami shows FL, etc.). Your real rate depends on income mix and filing status — run the tax calculator for your numbers.
Aguascalientes
vs
Ho Chi Minh City
Cost of Living
$425
Housing (1BR)
$675
$275/mo
Food
$200/mo
$120/mo
Utilities
$98/mo
$50/mo
Transport
$12/mo
$150/mo
Healthcare
$44/mo
$1,020/mo
Total
$1,029/mo
Taxes (International Investors)
effective at $200K/yr · single
10.0%
Capital Gains
0.1%
10.0%
Dividends
5.0%
10.0%
Crypto
0.1%
None
Wealth Tax
None
Quality of Life
66/100
Safety
50/100
150 Mbps
Internet
96 Mbps
Visa
180 days
Tourist Visa
90 days
Yes
DN Visa
Yes
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Cost of Living
Aguascalientes is the more affordable option at $1,020/month for a single person, compared to $1,029/month in Ho Chi Minh City — a savings of $9/month, or roughly 1%. Rent for a 1-bedroom apartment in Aguascalientes averages $425/month vs $675/month in Ho Chi Minh City. For couples needing a 2-bedroom, expect $600 in Aguascalientes and $1,125 in Ho Chi Minh City. Families with kids typically see costs scale by 2–2.5× vs single-person baseline.
Tax for Investors
Mexico's tax system is worldwide (all income taxed regardless of source). At a $200K/yr retiree drawdown, Mexico works out to roughly 10.0% effective on long-term gains. Vietnam is worldwide (all income taxed regardless of source); Vietnam comes in at 0.1%. For FIRE retirees living off portfolio income, territorial systems typically produce the cleanest outcome — see our territorial tax countries guide for the full list.
Climate & Lifestyle
Aguascalientes has a mild temperate (avg 18°C) climate; Ho Chi Minh City is tropical (avg 28°C year-round). Ho Chi Minh City is meaningfully warmer year-round (10°C difference on annual average). Aguascalientes scores higher on safety (66/100) vs 50/100 for the other city. Aguascalientes has faster internet at 150 Mbps vs 96 Mbps. Aguascalientes has a medium established expat community. Ho Chi Minh City has a large established expat community.
Visa & Residency
For Aguascalientes: digital-nomad visa available; investor visa ($250K minimum). For Ho Chi Minh City: digital-nomad visa available; investor visa ($0K minimum). Full visa pathways, income thresholds, and residency timelines are covered in the Retire in Mexico and Retire in Vietnam guides.
FIRE Number
At the standard 4% safe withdrawal rate, the portfolio needed to retire in Aguascalientes is $306,000; Ho Chi Minh City needs $308,700. Geographic arbitrage is the single biggest lever in FIRE planning — relocating between these two cities changes your required portfolio by $2,700. Run your own scenarios in the "What your portfolio buys" section below.
What your portfolio buys in each city
At the 4% safe withdrawal rate, see exactly what Aguascalientes vs Ho Chi Minh City costs at common FIRE milestones. Real math, honest verdicts — no marketing spin.
Go deeper
City guide
Living in Aguascalientes
Full cost breakdown, climate, safety, visa, and lifestyle data
City guide
Living in Ho Chi Minh City
Full cost breakdown, climate, safety, visa, and lifestyle data
Tax guide
Retire in Mexico
Income tax, capital gains, special regimes, and visa pathways
Tax guide
Retire in Vietnam
Income tax, capital gains, special regimes, and visa pathways
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