Last update: Nov 2026

Cost of Living Comparison Between Baguio and San Fernando, Philippines

Name: San Fernando
Address: San Fernando, PH

For one person, living is cheaper in Baguio: $734 a month against $807 in San Fernando, rent and utilities included – about $880 less a year. Rent and utilities account for most of the difference.

35

Cost of Living Index in Baguio
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Baguio Living Index
39

Cost of Living Index in San Fernando
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San Fernando Living Index

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Baguio

🇵🇭 Philippines

$734

/mo nomad

San Fernando

🇵🇭 Philippines

$807

/mo nomad

Monthly Cost of Living

How much you'll spend in Baguio 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 Baguio and in San Fernando actually costs, broken down by who's living it.

Monthly costs for one person with rent: $734 in Baguio versus $807 in San Fernando.

Baguio $734
San Fernando $807

Estimated couple costs with rent: $1,206 in Baguio versus $1,271 in San Fernando.

Baguio $1,206
San Fernando $1,271

Monthly costs for a family of three with rent: $1,677 in Baguio versus $1,735 in San Fernando.

Baguio $1,677
San Fernando $1,735

Living in Baguio costs roughly 9% less than in San Fernando, and outside of rent the biggest gap is in leisure.

Both cities sit below the global median: Baguio 46% lower, San Fernando 40% lower.

Meal at Budget Restaurant

$3.10 ₱196

$3.07 ₱194

0.98%

Three-Course Dinner for Two, Mid-Range

$23.95 ₱1,517

$23.84 ₱1,511

0.46%

Fast Food Meal (McDonalds, etc)

$2.71 ₱172

$2.82 ₱179

-3.90%

Cappuccino

$1.69 ₱107

$1.71 ₱109

-1.17%

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

$0.67 ₱42.55

$0.64 ₱40.29

4.69%

Water (0.33 liter bottle)

$0.39 ₱24.46

$0.38 ₱24.15

2.63%

Local Beer (0.5 liter draught)

$1.14 ₱72.2

$1.09 ₱69.1

4.59%

Imported Beer (0.33 liter bottle)

$1.91 ₱121

$1.95 ₱124

-2.05%

Milk (1 liter)

$1.78 ₱113

$1.76 ₱111

1.14%

White Bread (500g)

$0.88 ₱55.6

$0.87 ₱54.8

1.15%

Rice (white) (1kg)

$0.97 ₱61.2

$0.96 ₱60.8

1.04%

Eggs

$1.83 ₱116

$1.90 ₱120

-3.68%

Local Cheese (1kg)

$4.75 ₱301

$4.60 ₱292

3.26%

Chicken Fillets (1kg)

$3.22 ₱204

$3.31 ₱209

-2.72%

Beef Round Steak (1kg)

$7.01 ₱444

$7.04 ₱446

-0.43%

Apples (1kg)

$2.58 ₱164

Banana (1kg)

$2.13 ₱135

$2.06 ₱130

3.40%

Oranges (1kg)

$2.79 ₱177

$2.75 ₱174

1.45%

Tomato (1kg)

$0.92 ₱58.0

Potato (1kg)

$1.39 ₱88.1

$1.38 ₱87.7

0.72%

Onion (1kg)

$1.37 ₱86.7

$1.32 ₱83.5

3.79%

Lettuce (1 head)

$0.65 ₱41.32

$0.65 ₱40.95

Water (1.5 liter bottle)

$0.35 ₱22.19

$0.35 ₱22.30

Cigarettes 20 Pack (Marlboro, Camel)

$2.81 ₱178

$2.71 ₱172

3.69%

Wine (Bottle)

$6.99 ₱443

$6.96 ₱441

0.43%

Local Beer (0.5 liter bottle)

$0.77 ₱48.75

$0.75 ₱47.57

2.67%

Imported Beer (0.33 liter bottle)

$2.98 ₱189

$2.95 ₱187

1.02%

One-way Ticket (Public Transport)

$0.25 ₱15.95

$0.25 ₱15.74

Public Transport Monthly Pass (Regular Price)

$14.49 ₱918

$13.59 ₱861

6.62%

Taxi Start (Normal Tariff)

$1.00 ₱63.6

$1.00 ₱63.5

Taxi (Normal Tariff) (1km)

$0.22 ₱13.96

$0.20 ₱12.66

10.00%

Taxi 1hour Waiting (Normal Tariff)

$1.86 ₱118

$1.94 ₱123

-4.12%

Gasoline (1 liter)

$1.30 ₱82.5

$1.27 ₱80.5

2.36%

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

$20.8K ₱1.3M

$21.0K ₱1.3M

-0.86%

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

$19.0K ₱1.2M

$19.1K ₱1.2M

-0.34%

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

$94.4 ₱5,982

$96.3 ₱6,100

-1.93%

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

$16.64 ₱1,054

$17.18 ₱1,088

-3.14%

Internet (50+ Mbps, Unlimited Data)

$30.88 ₱1,956

$30.29 ₱1,919

1.95%

Gym Membership (Monthly)

$27.58 ₱1,748

$31.66 ₱2,006

-12.89%

Tennis Court (1 Hour on Weekend)

$7.74 ₱490

$15.57 ₱986

-50.29%

Cinema Ticket

$4.72 ₱299

$4.66 ₱295

1.29%

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

$1,019 ₱64.6K

$267 ₱16.9K

281.14%

International Primary School, 1 Child (Yearly)

$5,258 ₱333.1K

$13.5K ₱852.9K

-60.94%

Jeans (Levis 501 Or Similar)

$49.98 ₱3,167

$49.06 ₱3,108

1.88%

Summer Dress (H&M, Zara, etc)

$37.84 ₱2,397

$37.73 ₱2,390

0.29%

Sport Shoes (Adidas, Nike)

$71.8 ₱4,551

$71.4 ₱4,526

0.56%

Men's Leather Business Shoes

$79.8 ₱5,054

$78.4 ₱4,965

1.79%

1-bedroom Apartment, City Center (Monthly)

$387 ₱24.5K

$402 ₱25.5K

-3.91%

1-bedroom Apartment, Outside City Center (Monthly)

$195 ₱12.4K

$266 ₱16.8K

-26.55%

3-bedroom Apartment, City Center (Monthly)

$1,031 ₱65.3K

$724 ₱45.9K

42.44%

3-bedroom Apartment, Outside City Center (Monthly)

$513 ₱32.5K

$560 ₱35.5K

-8.41%

Buy Apartment in City Center (m2)

$4,025 ₱255.0K

$4,249 ₱269.2K

-5.27%

Buy Apartment Outside City Center (m2)

$1,526 ₱96.7K

$2,385 ₱151.1K

-36.01%

Average Monthly Net Salary (After Tax)

$180 ₱11.4K

20-Year Fixed Mortgage Interest Rate (Annual %)

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: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Baguio

$195 26.6%

San Fernando

$266 32.9% 36.2% $71

Groceries & Markets

Baguio

$168 22.9%

San Fernando

$167 20.7% 0.5% $0.9

Monthly Utilities & Internet

Baguio

$142 19.3%

San Fernando

$144 17.8% 1.3% $1.8

Clothing & Footwear

Baguio

$108 14.7%

San Fernando

$106 13.2% 1.2% $1.3

Eating Out

Baguio

$67 9.1%

San Fernando

$67 8.3% 0% $0

Sport & Entertainment

Baguio

$37 5%

San Fernando

$41 5.1% 10.7% $4

Getting Around

Baguio

$18 2.4%

San Fernando

$17 2.1% 5.8% $1

Cost Breakdown

A one-bedroom apartment in the center runs $387 in Baguio and $402 in San Fernando. Housing cost is often the main lever when comparing two cities.

Dining out: $24 in Baguio vs $24 in San Fernando. Groceries flip the comparison at $168 vs $167, with San Fernando cheaper for home cooking.

Good to know

🇵🇭 Baguio

🇵🇭 San Fernando

🕒 Local time

08:09 8:09 AM

Same time as Baguio

🌤 Weather

👥 Population

366,358

354,666

💱 Currency

Philippine Peso PHP ₱

📈 Exchange rate

100 PHP = 1.58 USD

100 PHP = 1.4 EUR

100 PHP = 1.58 USD

100 PHP = 1.4 EUR

Exchange rates and currency converter

On the map

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Baguio San Fernando 150 km

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Baguio
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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: Cost of Living - Frequently Asked Questions

Baguio wins on cost – living expenses run 9% lower than in San Fernando. Housing and daily spending are where you’ll feel the difference most, making Baguio the obvious pick if budget is a priority.

You’d need roughly $1,102 in Baguio and $1,211 in San Fernando 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 $402 in San Fernando. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $734 per month in Baguio versus $807 in San Fernando – Baguio is about 9% cheaper, which adds up to real savings over time.

A monthly transit pass in San Fernando runs roughly 6% less than in Baguio. The price difference matters if you commute daily and watch your 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.