Last update: Oct 2026

Cost of Living Comparison Between Austin, TX and San Fernando

For one person, living is cheaper in San Fernando: $703 a month against $2,663 in Austin, TX, rent and utilities included – about $23,500 less a year. Rent and utilities account for most of the difference.

130

Cost of Living Index in Austin, TX
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Austin, TX Living Index
34

Cost of Living Index in San Fernando
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San Fernando Living Index

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Austin, TX

🇺🇸 United States

$2,663

/mo nomad

San Fernando

🇵🇭 Philippines

$703

/mo nomad

Monthly Cost of Living

How much you'll spend in Austin, TX and in San Fernando

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Austin, TX and in San Fernando actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,663 in Austin, TX versus $703 in San Fernando.

Austin, TX $2,663
San Fernando $703

Estimated couple costs with rent: $4,133 in Austin, TX versus $1,059 in San Fernando.

Austin, TX $4,133
San Fernando $1,059

Monthly costs for a family of three with rent: $5,603 in Austin, TX versus $1,415 in San Fernando.

Austin, TX $5,603
San Fernando $1,415

Living in Austin, TX is roughly 279% more expensive than in San Fernando, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Austin, TX is 97% above, San Fernando is 48% below.

Meal at Budget Restaurant

$20.77 $20.77

$4.01 ₱252

417.96%

Three-Course Dinner for Two, Mid-Range

$84.6 $84.6

$16.71 ₱1,052

406.22%

Fast Food Meal (McDonalds, etc)

$12.32 $12.32

$2.88 ₱181

327.78%

Cappuccino

$5.63 $5.63

$1.77 ₱112

218.08%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$3.72 $3.72

$0.38 ₱23.97

878.95%

Water (0.33 liter bottle)

$2.50 $2.50

$0.31 ₱19.32

706.45%

Local Beer (0.5 liter draught)

$8.05 $8.05

$0.97 ₱61.2

729.90%

Imported Beer (0.33 liter bottle)

$9.01 $9.01

$1.25 ₱78.5

620.80%

Milk (1 liter)

$1.12 $1.12

$1.70 ₱107

-34.12%

White Bread (500g)

$3.75 $3.75

$1.11 ₱70.1

237.84%

Rice (white) (1kg)

$3.26 $3.26

$0.99 ₱62.2

229.29%

Eggs

$4.17 $4.17

$2.00 ₱126

108.50%

Local Cheese (1kg)

$12.90 $12.90

$4.95 ₱311

160.61%

Chicken Fillets (1kg)

$14.16 $14.16

$3.37 ₱212

320.18%

Beef Round Steak (1kg)

$16.22 $16.22

$7.79 ₱490

108.22%

Apples (1kg)

$4.33 $4.33

$2.19 ₱138

97.72%

Banana (1kg)

$1.46 $1.46

$1.26 ₱79.2

15.87%

Oranges (1kg)

$4.51 $4.51

$2.32 ₱146

94.40%

Tomato (1kg)

$4.34 $4.34

$1.07 ₱67.1

305.61%

Potato (1kg)

$2.58 $2.58

$1.69 ₱106

52.66%

Onion (1kg)

$2.35 $2.35

$1.57 ₱99.0

49.68%

Lettuce (1 head)

$1.78 $1.78

$0.62 ₱39.14

187.10%

Water (1.5 liter bottle)

$2.22 $2.22

$0.53 ₱33.09

318.87%

Cigarettes 20 Pack (Marlboro, Camel)

$9.88 $9.88

$2.97 ₱187

232.66%

Wine (Bottle)

$15.08 $15.08

$8.92 ₱561

69.06%

Local Beer (0.5 liter bottle)

$2.92 $2.92

$0.97 ₱60.8

201.03%

Imported Beer (0.33 liter bottle)

$3.46 $3.46

$1.30 ₱81.7

166.15%

One-way Ticket (Public Transport)

$1.49 $1.49

$0.26 ₱16.12

473.08%

Public Transport Monthly Pass (Regular Price)

$41.72 $41.72

$11.02 ₱694

278.58%

Taxi Start (Normal Tariff)

$2.73 $2.73

$0.67 ₱41.89

307.46%

Taxi (Normal Tariff) (1km)

$1.66 $1.66

$0.23 ₱14.36

621.74%

Taxi 1hour Waiting (Normal Tariff)

$35.30 $35.30

$0.94 ₱59.3

3655.32%

Gasoline (1 liter)

$0.95 $0.95

$1.01 ₱63.8

-5.94%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$36.0K $36.0K

$21.3K ₱1.3M

69.33%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$27.1K $27.1K

$19.0K ₱1.2M

42.82%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$229 $229

$141 ₱8,907

61.86%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$59.4 $59.4

$17.77 ₱1,119

234.21%

Internet (50+ Mbps, Unlimited Data)

$69.9 $69.9

$23.40 ₱1,473

198.76%

Gym Membership (Monthly)

$57.2 $57.2

$32.05 ₱2,018

78.60%

Tennis Court (1 Hour on Weekend)

$16.33 $16.33

$4.68 ₱295

248.93%

Cinema Ticket

$14.28 $14.28

$4.82 ₱303

196.27%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,506 $1,506

$80.0 ₱5,033

1783.51%

International Primary School, 1 Child (Yearly)

$21.5K $21.5K

$1,118 ₱70.4K

1818.38%

Jeans (Levis 501 Or Similar)

$52.8 $52.8

$19.46 ₱1,225

171.38%

Summer Dress (H&M, Zara, etc)

$43.82 $43.82

$16.21 ₱1,021

170.33%

Sport Shoes (Adidas, Nike)

$84.8 $84.8

$32.14 ₱2,023

163.75%

Men's Leather Business Shoes

$103 $103

$48.08 ₱3,027

114.25%

1-bedroom Apartment, City Center (Monthly)

$1,907 $1,907

$262 ₱16.5K

627.72%

1-bedroom Apartment, Outside City Center (Monthly)

$1,274 $1,274

$170 ₱10.7K

648.80%

3-bedroom Apartment, City Center (Monthly)

$3,664 $3,664

$523 ₱32.9K

601.12%

3-bedroom Apartment, Outside City Center (Monthly)

$2,538 $2,538

$356 ₱22.4K

612.48%

Buy Apartment in City Center (m2)

$7,614 $7,614

$2,438 ₱153.5K

212.26%

Buy Apartment Outside City Center (m2)

$3,157 $3,157

$994 ₱62.6K

217.75%

Average Monthly Net Salary (After Tax)

$5,121 $5,121

$339 ₱21.3K

1411.45%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

13.17%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Austin, TX: October 12, 2026

Last update for San Fernando: October 13, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Austin, TX

$1.3K 47.8%

San Fernando

$170 24.2% 86.6% $1.1K

Groceries & Markets

Austin, TX

$405 15.2%

San Fernando

$170 24.3% 57.9% $234

Monthly Utilities & Internet

Austin, TX

$358 13.5%

San Fernando

$183 26% 49% $176

Eating Out

Austin, TX

$354 13.3%

San Fernando

$72 10.3% 79.6% $282

Clothing & Footwear

Austin, TX

$128 4.8%

San Fernando

$52 7.4% 59.3% $76

Sport & Entertainment

Austin, TX

$86 3.2%

San Fernando

$42 5.9% 51.4% $44

Getting Around

Austin, TX

$59 2.2%

San Fernando

$14 2% 76.4% $45

Cost Breakdown

A one-bedroom apartment in the center runs $1,907 in Austin, TX and $262 in San Fernando. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 1411% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $85.0 in Austin, TX vs $17.00 in San Fernando for a mid-range dinner for two. Groceries echo the gap at $405 vs $170 per month, with San Fernando cheaper across the board.

Good to know

🇺🇸 Austin, TX

🇵🇭 San Fernando

🕒 Local time

11:00 11:00 AM

00:00 12:00 AM

13 h ahead of Austin, TX

🌤 Weather

👥 Population

974,447

354,666

💱 Currency

United States Dollar USD $

Philippine Peso PHP ₱

📈 Exchange rate

1 USD = 0.89 EUR

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

Exchange rates and currency converter

PHP, EUR to USD – United States Dollar Converter

🇵🇭 Philippine Peso (₱)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Philippine Peso exchange rates as of October 18, 2026: 1 USD = 62.96 PHP (100 PHP = 1.59 USD). 1 EUR = 70.78 PHP (100 PHP = 1.41 EUR).

PHP to USD in detail →

On the map

Lowest

Highest

Between locations

Austin, TX San Fernando 13,510 km ≈ 17 h nonstop flight

From you

Austin, TX
San Fernando

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Austin, TX vs San Fernando: Cost of Living - Frequently Asked Questions

San Fernando wins on cost – living expenses run 279% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making San Fernando the obvious pick if budget is a priority.

Average pay runs 1411% higher in Austin, TX, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,907 in Austin, TX versus $262 in San Fernando. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,663 per month in Austin, TX versus $703 in San Fernando – a 279% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in San Fernando runs roughly 279% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $703 in San Fernando versus $2,663 in Austin, TX, a $2,000 budget is realistic in San Fernando but tight or insufficient in Austin, TX. The gap between the two cities makes San Fernando the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Expats usually find San Fernando gentler on the wallet – expenses run 279% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.