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Cost of Living in San Fernando

San Fernando, Cebu, Philippines · Population 76,110

▼ -6% vs Philippines average

Single person, monthly (incl. rent)₱24,336 ($416)
Couple, monthly₱43,635 ($746)
Family of four, monthly₱56,857 ($972)

Estimated Prices in San Fernando

ExpenseEstimated costBasis
Meal at an inexpensive restaurant₱246 ($4.20)per meal
Three-course meal for two, mid-range₱983 ($16.80)per meal
Cappuccino₱73.71 ($1.26)each
Monthly groceries (single person)₱5,569 ($95.20)per month
Monthly public transport pass₱901 ($15.40)per month
Basic utilities for an 85m² apartment₱2,375 ($40.60)per month
Internet (60 Mbps, unlimited)₱688 ($11.76)per month
Fitness club membership₱688 ($11.76)per month
Cinema ticket₱180 ($3.08)each
One-bedroom apartment in city centre₱11,437 ($196)per month
One-bedroom apartment outside centre₱7,956 ($136)per month
Three-bedroom apartment in city centre₱23,868 ($408)per month

Salary & Budget Planning

The estimated average net salary in San Fernando is ₱24,570 ($420) per month. To live comfortably — covering the full single-person budget of ₱24,336 ($416) with about 30% left over for savings — you would need a net income of roughly ₱31,637 ($541) per month.

Housing takes the largest share: rent for a one-bedroom outside the centre (₱7,956 ($136)) represents about 33% of the total single-person budget.

Compare San Fernando

San Fernando vs ManilaSan Fernando vs Quezon CitySan Fernando vs Zamboanga CitySan Fernando vs DavaoSan Fernando vs Caloocan CitySan Fernando vs Taguig City

Nearby Cities

Naga

8 km away · Cebu

Carcar

9 km away · Cebu

Minglanilla

14 km away · Cebu

Pinamungahan

17 km away · Cebu

Talisay

17 km away · Cebu

Aloguinsan

18 km away · Cebu

Barili

19 km away · Cebu

Sibonga

21 km away · Cebu

Frequently Asked Questions

Is San Fernando expensive to live in?
A single person needs an estimated ₱24,336 ($416) per month in San Fernando including rent outside the city centre. That is 6% less than the national average for Philippines.
What salary do you need to live comfortably in San Fernando?
A net salary of around ₱31,637 ($541) per month lets a single person cover all estimated expenses in San Fernando with roughly 30% left for savings. The estimated average net salary in San Fernando is ₱24,570 ($420).
How much is rent in San Fernando?
A one-bedroom apartment costs an estimated ₱11,437 ($196) per month in the city centre and ₱7,956 ($136) outside the centre. A three-bedroom in the centre runs about ₱23,868 ($408).
Is San Fernando cheaper than Philippines on average?
Yes — San Fernando is estimated to be about 6% cheaper than the Philippines average, making it a relatively affordable option in the country.
Figures for San Fernando are estimates based on Philippines national averages adjusted for city size (population 76,110). Last model update: July 2026. How we calculate.