Last update: Nov 2026

Cost of Living Comparison Between Baguio and San Fernando, La Union

For one person, living costs are similar in Baguio and in San Fernando, La Union: $734 and $721 a month, rent and utilities included.

35

Cost of Living Index in Baguio
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Baguio Living Index
34

Cost of Living Index in San Fernando, La Union
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San Fernando, La Union Living Index

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Baguio

🇵🇭 Philippines

$734

/mo nomad

San Fernando, La Union

🇵🇭 Philippines

$721

/mo nomad

Monthly Cost of Living

How much you'll spend in Baguio and in San Fernando, La Union

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

Monthly costs for one person with rent: $734 in Baguio versus $721 in San Fernando, La Union.

Baguio $734
San Fernando, La Union $721

Estimated couple costs with rent: $1,206 in Baguio versus $1,102 in San Fernando, La Union.

Baguio $1,206
San Fernando, La Union $1,102

Monthly costs for a family of three with rent: $1,677 in Baguio versus $1,484 in San Fernando, La Union.

Baguio $1,677
San Fernando, La Union $1,484

Monthly costs are close between Baguio and San Fernando, La Union; which city is cheaper depends on the spending category.

Both cities sit below the global median: Baguio 46% lower, San Fernando, La Union 47% lower.

Meal at Budget Restaurant

$3.10 ₱197

$3.97 ₱253

-21.91%

Three-Course Dinner for Two, Mid-Range

$23.95 ₱1,523

$16.71 ₱1,062

43.33%

Fast Food Meal (McDonalds, etc)

$2.71 ₱173

$2.69 ₱171

0.74%

Cappuccino

$1.69 ₱108

$2.14 ₱136

-21.03%

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

$0.67 ₱42.70

$0.69 ₱43.67

-2.90%

Water (0.33 liter bottle)

$0.39 ₱24.55

$0.33 ₱21.23

18.18%

Local Beer (0.5 liter draught)

$1.14 ₱72.4

$1.19 ₱75.4

-4.20%

Imported Beer (0.33 liter bottle)

$1.91 ₱122

$2.06 ₱131

-7.28%

Milk (1 liter)

$1.78 ₱113

$1.65 ₱105

7.88%

White Bread (500g)

$0.88 ₱55.8

$1.09 ₱69.6

-19.27%

Rice (white) (1kg)

$0.97 ₱61.4

$0.89 ₱56.7

8.99%

Eggs

$1.83 ₱117

$1.90 ₱121

-3.68%

Local Cheese (1kg)

$4.75 ₱302

$5.52 ₱351

-13.95%

Chicken Fillets (1kg)

$3.22 ₱205

$4.09 ₱260

-21.27%

Beef Round Steak (1kg)

$7.01 ₱446

$7.11 ₱452

-1.41%

Apples (1kg)

$2.58 ₱164

$2.39 ₱152

7.95%

Banana (1kg)

$2.13 ₱135

$1.57 ₱99.6

35.67%

Oranges (1kg)

$2.79 ₱177

$2.33 ₱148

19.74%

Tomato (1kg)

$0.92 ₱58.2

$1.17 ₱74.6

-21.37%

Potato (1kg)

$1.39 ₱88.4

$2.06 ₱131

-32.52%

Onion (1kg)

$1.37 ₱87.0

$2.30 ₱146

-40.43%

Lettuce (1 head)

$0.65 ₱41.46

$1.08 ₱68.8

-39.81%

Water (1.5 liter bottle)

$0.35 ₱22.27

$0.53 ₱33.65

-33.96%

Cigarettes 20 Pack (Marlboro, Camel)

$2.81 ₱179

$2.82 ₱180

-0.35%

Wine (Bottle)

$6.99 ₱444

$7.54 ₱479

-7.29%

Local Beer (0.5 liter bottle)

$0.77 ₱48.92

$0.99 ₱62.9

-22.22%

Imported Beer (0.33 liter bottle)

$2.98 ₱190

$1.93 ₱122

54.40%

One-way Ticket (Public Transport)

$0.25 ₱16.00

$0.22 ₱13.92

13.64%

Public Transport Monthly Pass (Regular Price)

$14.49 ₱921

$12.52 ₱796

15.73%

Taxi Start (Normal Tariff)

$1.00 ₱63.8

$0.80 ₱51.0

25.00%

Taxi (Normal Tariff) (1km)

$0.22 ₱14.00

$0.20 ₱12.72

10.00%

Taxi 1hour Waiting (Normal Tariff)

$1.86 ₱118

$1.91 ₱122

-2.62%

Gasoline (1 liter)

$1.30 ₱82.8

$1.03 ₱65.7

26.21%

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

$20.8K ₱1.3M

0.20%

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

$19.0K ₱1.2M

$19.1K ₱1.2M

-0.35%

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

$94.4 ₱6,003

$119 ₱7,589

-20.90%

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

$16.64 ₱1,058

$15.64 ₱994

6.39%

Internet (50+ Mbps, Unlimited Data)

$30.88 ₱1,963

$23.84 ₱1,515

29.53%

Gym Membership (Monthly)

$27.58 ₱1,754

$31.64 ₱2,012

-12.83%

Tennis Court (1 Hour on Weekend)

$7.74 ₱492

$5.16 ₱328

50.00%

Cinema Ticket

$4.72 ₱300

$5.22 ₱332

-9.58%

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

$1,019 ₱64.8K

$130 ₱8,240

686.19%

International Primary School, 1 Child (Yearly)

$5,258 ₱334.3K

$7,895 ₱501.9K

-33.40%

Jeans (Levis 501 Or Similar)

$49.98 ₱3,178

$33.12 ₱2,106

50.91%

Summer Dress (H&M, Zara, etc)

$37.84 ₱2,406

$19.07 ₱1,213

98.43%

Sport Shoes (Adidas, Nike)

$71.8 ₱4,567

$69.2 ₱4,402

3.74%

Men's Leather Business Shoes

$79.8 ₱5,072

$55.4 ₱3,520

44.09%

1-bedroom Apartment, City Center (Monthly)

$387 ₱24.6K

$251 ₱16.0K

54.07%

1-bedroom Apartment, Outside City Center (Monthly)

$195 ₱12.4K

$167 ₱10.6K

16.76%

3-bedroom Apartment, City Center (Monthly)

$1,031 ₱65.6K

$490 ₱31.1K

110.61%

3-bedroom Apartment, Outside City Center (Monthly)

$513 ₱32.6K

$350 ₱22.3K

46.41%

Buy Apartment in City Center (m2)

$4,025 ₱255.9K

$2,657 ₱168.9K

51.48%

Buy Apartment Outside City Center (m2)

$1,526 ₱97.0K

$1,125 ₱71.5K

35.68%

Average Monthly Net Salary (After Tax)

$180 ₱11.4K

20-Year Fixed Mortgage Interest Rate (Annual %)

6.92

1.16%

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

Last update for Baguio: November 2, 2026

Last update for San Fernando, La Union: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Baguio

$195 26.6%

San Fernando, La Union

$167 23.2% 14.4% $28

Groceries & Markets

Baguio

$168 22.9%

San Fernando, La Union

$179 24.8% 6.4% $11

Monthly Utilities & Internet

Baguio

$142 19.3%

San Fernando, La Union

$159 22% 11.9% $17

Clothing & Footwear

Baguio

$108 14.7%

San Fernando, La Union

$80 11% 26.2% $28

Eating Out

Baguio

$67 9.1%

San Fernando, La Union

$80 11.1% 18.9% $13

Sport & Entertainment

Baguio

$37 5%

San Fernando, La Union

$42 5.8% 13.7% $5.1

Getting Around

Baguio

$18 2.4%

San Fernando, La Union

$15 2.1% 13.7% $2.4

Cost Breakdown

A one-bedroom apartment in the center runs $387 in Baguio and $251 in San Fernando, La Union. Housing cost is often the main lever when comparing two cities.

Dining out: $24 in Baguio vs $17 in San Fernando, La Union. Groceries flip the comparison at $168 vs $179, with Baguio cheaper for home cooking.

Good to know

🇵🇭 Baguio

🇵🇭 San Fernando, La Union

🕒 Local time

04:15 4:15 AM

Same time as Baguio

🌤 Weather

👥 Population

366,358

83,003

💱 Currency

Philippine Peso PHP ₱

📈 Exchange rate

100 PHP = 1.57 USD

100 PHP = 1.4 EUR

100 PHP = 1.57 USD

100 PHP = 1.4 EUR

Exchange rates and currency converter

On the map

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Between locations

Baguio San Fernando, La Union 37 km

From you

Baguio
San Fernando, La Union

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

Baguio vs San Fernando, La Union: Cost of Living - Frequently Asked Questions

You’d need roughly $1,102 in Baguio and $1,082 in San Fernando, La Union to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $387 in Baguio versus $251 in San Fernando, La Union. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in San Fernando, La Union runs roughly 14% less than in Baguio. The price difference matters if you commute daily and watch your budget.

Shoppers in Baguio pay roughly 6% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

Either city works on $1,000 a month, though San Fernando, La Union gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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.

Safety-wise, Baguio and San Fernando, La Union are both considered safe, so it’s unlikely to be the deciding factor between them.