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Thailand or Vietnam: Retirement choices

Thailand offers foreign retirees a clearer legal route to long-term residence than Vietnam, but Vietnam can cost considerably less for those able to manage more complicated visa arrangements. For people deciding where to spend retirement in Southeast Asia, the choice in 2026 often comes down to predictable paperwork and healthcare versus lower rent and daily spending.

Thailand has developed visa options specifically for retirement. The Non-Immigrant O visa allows foreigners aged 50 and above to stay for one or more years, when renewed, for retirement purposes.

Applicants generally need a valid passport, basic medical certificate and depending on initial visa, Thai-recognised health insurance. They must also show either 800,000 baht in a Thai bank account or a monthly income of 65,000 baht.

Vietnam has no retirement visa

Vietnam does not have a dedicated retirement visa, nor a visa category based only on a person's age, pension income or retirement status. Retirees seeking a long stay must instead pursue a Temporary Residence Card through eligible work, investment or family-tie routes, or use investment and family-reunion visas.

That can involve more legal complexity than a retirement move to Thailand. Investment-linked residence may require a compliant local company, along with continuing tax filings and audits, obligations that may not suit someone who has stopped working.

For foreigners who want an established route without relying on a job, investment or family sponsorship, Thailand's retirement visa framework is therefore a major practical advantage. Conditions, including financial evidence and insurance, should nevertheless be checked before applying.

Vietnam's advantage is everyday cost

Comparisons cited by Travelbinger put Vietnam around 20-30% cheaper than Thailand for a similar expat lifestyle. Rent is estimated to be roughly 40% lower on average.

Modern one-bedroom apartments are quoted at US$300-500 in Ho Chi Minh City and US$200-350 in Da Nang. Comparable rents are put at US$400-700 in Bangkok and US$350-550 in Chiang Mai.

A comfortable retirement budget is estimated at US$800-1,200 a month in Vietnam, compared with US$1,200-1,800 in Thailand. Annual estimates put comfortable expat spending at US$22,000-30,000 in Vietnam, against US$30,000-40,000 in Bangkok.

Street-food meals are estimated at US$1-3 in Vietnam and US$2-4 in Thailand, while restaurant dinners are US$5-12 and US$8-15 respectively. Domestic beer is also said to be cheaper in Vietnam.

The gap can narrow for retirees dependent on imported food and Western amenities, which can be significantly more expensive in Vietnam. Those happy with local food are likely to see the largest savings.

Healthcare, property and daily life

Thailand's established medical-tourism sector attracts more than two million medical tourists each year, including visitors from the United States, Australia, the Middle East and Europe. Its private hospital network includes JCI-accredited facilities, English-speaking staff and short waiting times.

Vietnam does not require health insurance for any visa category. Government figures put Vietnamese medical services at about 30-50% of the cost in Singapore or Thailand, but the country currently has four JCI-accredited hospitals. The health ministry aims for at least 15 internationally standard hospitals by 2030, including five public hospitals; retirees currently rely heavily on private hospitals in Hanoi and Ho Chi Minh City.

Neither country lets foreigners buy land outright. Vietnam permits foreign apartment purchases on 50-year leasehold terms, while Thailand has condominium ownership rules for foreigners and an established rental market.

Thailand has also applied tax rules since 2024 to foreign-source income brought into the country in the year it is earned. Retirees moving money to Thailand may need advice on tax exposure and their home country's double-taxation treaty.

Thailand offers more established expat infrastructure, English signage, public transport and retirement services. Vietnam offers lower costs, but busier traffic, less consistent English outside major cities and a more energetic pace. For many retirees, the decision is whether those savings outweigh Thailand's clearer long-term setup.

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18 August 2026

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Recommended Comments

BritManToo Star Member

BritManToo

Advanced Member
19 hours ago, KhunHeineken said:

Of course I can afford to buy a car. I've even kept my car back in Australia.

What's so difficult to understand about not buying assets in a country that you have no right to reside in?

I don't buy assets that I couldn't afford to walk away from.

Applies to anywhere in the world.

Learned that in my Brit divorce.

Yellowtail Star Member

Yellowtail

Advanced Member
8 minutes ago, BritManToo said:

I don't buy assets that I couldn't afford to walk away from.

Applies to anywhere in the world.

Learned that in my Brit divorce.

Some people can't afford to leave a penny behind

JerryM Gold Member

JerryM

Advanced Member
19 minutes ago, KhunHeineken said:

It's simple. The 800k / 65k is losing it's purchasing power, just like money is in many other countries.

It's not simple. There is no indication that the 800K is based upon purchase power since you really can't use it for purchases.

Cameroni Star Member

Cameroni

Advanced Member

The problem with Vietnam are the people. They're not like Thais, friendly, moral, kind and sweet. Vietnamese people are highly intelligent, calculating, aggressive and unfriendly on the whole. That's why it's a short holiday destination best case scenario and not a long term living option.

The chaotic motorcycle noise problem is far worse than Thailand. It doesn't seem an appealing place to live, Da Nang excepted.

BritManToo Star Member

BritManToo

Advanced Member
8 minutes ago, Cameroni said:

The problem with Vietnam are the people. They're not like Thais, friendly, moral, kind and sweet. Vietnamese people are highly intelligent, calculating, aggressive and unfriendly on the whole. That's why it's a short holiday destination best case scenario and not a long term living option.

The chaotic motorcycle noise problem is far worse than Thailand. It doesn't seem an appealing place to live, Da Nang excepted.

Complete fantasy post,

Thais are as greedy and manipulative and noisy as any other Asians.

PhilipHabib Advanced Member

PhilipHabib

Member
13 minutes ago, Cameroni said:

The problem with Vietnam are the people. They're not like Thais, friendly, moral, kind and sweet. Vietnamese people are highly intelligent, calculating, aggressive and unfriendly on the whole.

You make an interesting point about intelligence , Vietnamese definitely tend to have higher IQ's than their more aboriginal subcontinent Thai brethren and Viet Nam lady very sexually demanding with bigger natural milks and smaller cuter frames.

u like Lady Viet Nam ?

Cameroni Star Member

Cameroni

Advanced Member
Just now, PhilipHabib said:

You make an interesting point about intelligence , Vietnamese definitely tend to have higher IQ's than their more aboriginal subcontinent Thai brethren and Viet Nam lady very sexually demanding with bigger natural milks and smaller cuter frames.

u like Lady Viet Nam ?

Vietnamese have higher IQs due to a much higher incidence of Chinese admixture, the Chinese of course being the real high IQ people.

Of course there will be attractive Vietnamese women.

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
43 minutes ago, JerryM said:

It's not simple. There is no indication that the 800K is based upon purchase power since you really can't use it for purchases.

The 800k / 65k is there to show you can support yourself in Thailand. In effect, it shows proof of income.

The cost of living, including medical, for both small procedures and something catastrophic, have increase significantly since the 800k / 65k was introduced.

As I said, the 800k / 65k no longer buys what it used to be able to buy, thus, an increase is inevitable.

Cameroni Star Member

Cameroni

Advanced Member
(edited)
10 minutes ago, BritManToo said:

Complete fantasy post,

Thais are as greedy and manipulative and noisy as any other Asians.

I've certainly never found Thais to be greedy. That's quite evident when you buy peppers for 20 baht. Thais are among the least greedy people on the planet.

Of course Vietnamese also are not very greedy. By far the most greedy people are Brits, who like to eat Roast beef and stole the whole planet's resources for centuries. The Dutch come a close second.

The Dutch were so greedy they invented the Dutch East India company and thus the corporate method of pooling resources. This was also adopted by the Brits who set up the East India company. Imagine being so greedy you invest in exploring for years just to get money in return. Still, I think the Brits pip the dutch, the Brits set up Iraq just to extract oil resources from the region for instance. Imagine creating a whole country out of greed for resources.

Edited by Cameroni

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
1 hour ago, BritManToo said:

I don't buy assets that I couldn't afford to walk away from.

Applies to anywhere in the world.

Learned that in my Brit divorce.

I currently hold several assets in my home country, where I have the right to reside, and where there is a decent rule of law. I will not buy assets in a country where these do not exist.

JerryM Gold Member

JerryM

Advanced Member
(edited)
2 minutes ago, KhunHeineken said:

As I said, the 800k / 65k no longer buys what it used to be able to buy, thus, an increase is inevitable.

Well when(?) they change it, maybe we'll hear it here first.

Between 2006 and 2019, the overall cost of living in Thailand—measured by cumulative Consumer Price Index (CPI) inflation—increased by approximately 29% to 30%. --

https://ycharts.com/indicators/thailand_inflation

so during those two dates they didn't bother to change it then

Edited by JerryM

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
55 minutes ago, Yellowtail said:

Some people can't afford to leave a penny behind

Some people haven't even got a penny to leave behind. They live month to month on a meager aged pension from their home country.

PhilipHabib Advanced Member

PhilipHabib

Member
4 minutes ago, Cameroni said:

Chinese of course being the real high IQ people.

Statistically, Japanese and Ashkenazi Jewish populations have some of the highest recorded average IQ scores.

Do ppl still hate the Japs tho ?

I mean Honda is really an excellent car >

Yellowtail Star Member

Yellowtail

Advanced Member
1 minute ago, KhunHeineken said:

The 800k / 65k is there to show you can support yourself in Thailand. In effect, it shows proof of income.

The cost of living, including medical, for both small procedures and something catastrophic, have increase significantly since the 800k / 65k was introduced.

As I said, the 800k / 65k no longer buys what it used to be able to buy, thus, an increase is inevitable.

But it's likely the people that use an agent because they can't afford the B800K in the bank or the B65K a month transfers can continue using agents, so no need to worry.

Cameroni Star Member

Cameroni

Advanced Member
(edited)
1 minute ago, PhilipHabib said:

Statistically, Japanese and Ashkenazi Jewish populations have some of the highest recorded average IQ scores.

Do ppl still hate the Japs tho ?

I mean Honda is really an excellent car >

Yes, the Japs are definitely up there and the Ashkenazis don't do badly.

I'd say the Japanese is a very curious case. They are both liked and respected and disliked at the same time. Their very high IQ makes them prone to being very strange, I mean who likes Octopus porn? They're very strange people.

I found people who live in Japan long term dislike the Japanese very much.

Honda really is an excellent car of course, especially the Accord.

Edited by Cameroni

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
26 minutes ago, Cameroni said:

The problem with Vietnam are the people. They're not like Thais, friendly, moral, kind and sweet. Vietnamese people are highly intelligent, calculating, aggressive and unfriendly on the whole. That's why it's a short holiday destination best case scenario and not a long term living option.

The chaotic motorcycle noise problem is far worse than Thailand. It doesn't seem an appealing place to live, Da Nang excepted.

Totally not my experience. I find the Vietnamese a lot more friendly.

Look at all the violent gun crime in Thailand. Thai guys "losing face" so killing the wife and in-laws etc.

BritManToo Star Member

BritManToo

Advanced Member
5 minutes ago, Cameroni said:

I've certainly never found Thais to be greedy. That's quite evident when you buy peppers for 20 baht. Thais are among the least greedy people on the planet.

That's not generousity, if they upped the price, they wouldn't sell any (law of supply and demand).

Up in the hills above CM (Mon Jairm/Mon Long) there are many poly tents growing 1,000s of peppers.

Often the selling price is so low, they just leave them to rot, as not worth the labour cost of picking.

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
20 minutes ago, BritManToo said:

Complete fantasy post,

Thais are as greedy and manipulative and noisy as any other Asians.

There's a reason why the saying, "Money Number One" came about here. 🙂

Cameroni Star Member

Cameroni

Advanced Member
1 minute ago, KhunHeineken said:

I find the Vietnamese a lot more friendly.

Totally not my experience.

You're right though, Thais are more violent. This is true of course.

Cameroni Star Member

Cameroni

Advanced Member
1 minute ago, BritManToo said:

That's not generousity, if they upped the price, they wouldn't sell any (law of supply and demand).

Up in the hills above CM (Mon Jairm/Mon Long) there are many poly tents growing 1,000s of peppers.

Often the selling price is so low, they just leave them to rot, as not worth the labour cost of picking.

It's with everything though, isn't it, not just food. Everything is extremely cheap in Thailand. Cheaper than in Philippines, which is poorer on paper. Thai people are just not greedy. You yourself told how your British wife was far more greedy than your current Thai partner.

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
7 minutes ago, JerryM said:

Well when(?) they change it, maybe we'll hear it here first.

It will be big news. Some may not be able to afford the new amounts.

KhunHeineken Diamond Member

KhunHeineken

Advanced Member
3 minutes ago, Cameroni said:

You're right though, Thais are more violent. This is true of course.

If they are more violent, how can they also be more "friendly, moral, kind and sweet?"

BritManToo Star Member

BritManToo

Advanced Member
(edited)
3 minutes ago, Cameroni said:

It's with everything though, isn't it, not just food. Everything is extremely cheap in Thailand. Cheaper than in Philippines, which is poorer on paper. Thai people are just not greedy. You yourself told how your British wife was far more greedy than your current Thai partner.

More to do with legal backing provided by the state, than any choices of the women.

All women are greedy, given the opportunity to take.

My Thai wife has the opportunity to take 300kbht (deposit on her house).

My money is all back in the UK where she has no recourse in law to take.

(different laws for Australian citizens)

Edited by BritManToo

captain_shane Advanced Member

captain_shane

Member
5 minutes ago, Cameroni said:

Totally not my experience.

You're right though, Thais are more violent. This is true of course.

People in Hanoi are way more friendly than HCMC and the south. I would say they're more friendly than Thai people.

Cameroni Star Member

Cameroni

Advanced Member
(edited)
Just now, KhunHeineken said:

If they are more violent, how can they also be more "friendly, moral, kind and sweet?"

It's a fair question.

See, everything comes with two sides. Take oxytocin. It makes you more loved up. With people you're already inclined to like. However, with people you're already inclined to dislike, it has the exact opposite effect, it makes you dislike them more.

It's actually very common that people who are very generous in big matters are also very stingy in small things. It's very strange. But that's the way it is.

Of course Thais can be friendly, prone to Buddhist morality, kind, well educated, sweet, but also prone to bouts of violence. The Indonesians are the same. All smiles, until they have had enough and run Amok.

Edited by Cameroni

Yellowtail Star Member

Yellowtail

Advanced Member
6 minutes ago, KhunHeineken said:

If they are more violent, how can they also be more "friendly, moral, kind and sweet?"

"No better friend, no worse enemy"

Cameroni Star Member

Cameroni

Advanced Member
2 minutes ago, BritManToo said:

More to do with legal backing provided by the state, than any choices of the women.

All women are greedy, given the opportunity to take.

To some extent that is true of course, we are all greedy, men too. It is a universal human trait, greed. Perhaps Thai people are more constrained from letting the greed hang out. I have certainly not seen instances of Thailand creating a country out of thin air to extract oil, like Britain did with Iraq, or setting up an exploration company to extract resources from other countries over years like the Dutch did with the East India company.

Historically speaking it does seem Thais are far less greedy. Even wars of colonial exploitation are an exception in Thai history. I mention history as my own experience that Thais are less greedy is subjective.

BritManToo Star Member

BritManToo

Advanced Member
(edited)
Just now, Cameroni said:

To some extent that is true of course, we are all greedy, men too. It is a universal human trait, greed.

Speak for yourself, I've never been greedy, and I've never wanted more than I have. Don't care about what other people have either, envy is as bad as greed!

Don't care about oil, I don't use it (apart for cooking oil).

Edited by BritManToo

Cameroni Star Member

Cameroni

Advanced Member
Just now, BritManToo said:

Speak for yourself, I've never been greedy, and I've never wanted more than I have.

Well, when you talk of saving a few baht to make your own beans, even though you have enough money to buy canned beans, that is to have more money is it not? I mean you have a house with solar panels, an electric car, a family, you are clearly well off, yet you want to have more money. It is very normal.

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