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Cost of Living in San Fernando

San Fernando, Camarines Sur, Philippines · Population 39,206

▼ -16% vs Philippines average

Single person, monthly (incl. rent)₱21,716 ($371)
Couple, monthly₱38,883 ($665)
Family of four, monthly₱50,613 ($865)

Estimated Prices in San Fernando

ExpenseEstimated costBasis
Meal at an inexpensive restaurant₱221 ($3.78)per meal
Three-course meal for two, mid-range₱885 ($15.12)per meal
Cappuccino₱66.34 ($1.13)each
Monthly groceries (single person)₱5,012 ($85.68)per month
Monthly public transport pass₱811 ($13.86)per month
Basic utilities for an 85m² apartment₱2,138 ($36.54)per month
Internet (60 Mbps, unlimited)₱619 ($10.58)per month
Fitness club membership₱619 ($10.58)per month
Cinema ticket₱162 ($2.77)each
One-bedroom apartment in city centre₱10,025 ($171)per month
One-bedroom apartment outside centre₱6,974 ($119)per month
Three-bedroom apartment in city centre₱20,923 ($358)per month

Salary & Budget Planning

The estimated average net salary in San Fernando is ₱22,113 ($378) per month. To live comfortably — covering the full single-person budget of ₱21,716 ($371) with about 30% left over for savings — you would need a net income of roughly ₱28,231 ($483) per month.

Housing takes the largest share: rent for a one-bedroom outside the centre (₱6,974 ($119)) represents about 32% 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

Minalabac

4 km away · Camarines Sur

Milaor

5 km away · Camarines Sur

Gainza

6 km away · Camarines Sur

Camaligan

7 km away · Camarines Sur

Pamplona

7 km away · Camarines Sur

Naga City

8 km away · Naga

Canaman

10 km away · Camarines Sur

Magarao

12 km away · Camarines Sur

Frequently Asked Questions

Is San Fernando expensive to live in?
A single person needs an estimated ₱21,716 ($371) per month in San Fernando including rent outside the city centre. That is 16% less than the national average for Philippines.
What salary do you need to live comfortably in San Fernando?
A net salary of around ₱28,231 ($483) 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 ₱22,113 ($378).
How much is rent in San Fernando?
A one-bedroom apartment costs an estimated ₱10,025 ($171) per month in the city centre and ₱6,974 ($119) outside the centre. A three-bedroom in the centre runs about ₱20,923 ($358).
Is San Fernando cheaper than Philippines on average?
Yes — San Fernando is estimated to be about 16% 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 39,206). Last model update: July 2026. How we calculate.