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

Monthly Cost of Living

Monthly costs for one person with rent: $1,232 in Makati versus $677 in San Fernando, La Union.

Estimated couple costs with rent: $2,009 in Makati versus $1,032 in San Fernando, La Union.

Monthly costs for a family of three with rent: $2,786 in Makati versus $1,387 in San Fernando, La Union.

Living in Makati is roughly 82% more expensive than San Fernando, La Union, driven mainly by Clothing & Footwear.

Both cities sit below the global median: Makati 8% lower, San Fernando, La Union 49% lower.

Meal at Budget Restaurant

$6.80 ₱419

$3.62 ₱224

87.85%

Three-Course Dinner for Two, Mid-Range

$45.15 ₱2,784

$18.01 ₱1,111

150.69%

Fast Food Meal (McDonalds, etc)

$4.93 ₱304

$3.24 ₱200

52.16%

Cappuccino

$2.87 ₱177

$2.48 ₱153

15.73%

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

$1.19 ₱73.5

$0.78 ₱48.35

52.56%

Water (0.33 liter bottle)

$0.56 ₱34.76

$0.37 ₱22.54

51.35%

Local Beer (0.5 liter draught)

$2.44 ₱151

$1.30 ₱79.9

87.69%

Imported Beer (0.33 liter bottle)

$3.66 ₱225

$2.10 ₱130

74.29%

Milk (1 liter)

$2.14 ₱132

$2.94 ₱181

-27.21%

White Bread (500g)

$1.43 ₱88.4

$1.27 ₱78.3

12.60%

Rice (white) (1kg)

$1.08 ₱66.5

$0.93 ₱57.4

16.13%

Eggs

$2.34 ₱144

$2.00 ₱123

17.00%

Local Cheese (1kg)

$8.16 ₱503

$8.17 ₱504

-0.12%

Chicken Fillets (1kg)

$4.43 ₱273

$4.24 ₱261

4.48%

Beef Round Steak (1kg)

$7.64 ₱471

$7.51 ₱463

1.73%

Apples (1kg)

$4.57 ₱282

$2.96 ₱182

54.39%

Banana (1kg)

$1.92 ₱118

$1.55 ₱95.4

23.87%

Oranges (1kg)

$2.70 ₱166

$2.64 ₱163

2.27%

Tomato (1kg)

$2.25 ₱139

$1.61 ₱99.3

39.75%

Potato (1kg)

$3.29 ₱203

$2.30 ₱142

43.04%

Onion (1kg)

$2.86 ₱177

$2.61 ₱161

9.58%

Lettuce (1 head)

$1.08 ₱66.8

$1.06 ₱65.5

1.89%

Water (1.5 liter bottle)

$0.99 ₱61.3

$0.73 ₱44.80

35.62%

Cigarettes 20 Pack (Marlboro, Camel)

$2.94 ₱181

$2.92 ₱180

0.68%

Wine (Bottle)

$8.28 ₱511

$8.20 ₱506

0.98%

Local Beer (0.5 liter bottle)

$1.20 ₱74.1

$1.21 ₱74.5

-0.83%

Imported Beer (0.33 liter bottle)

$2.34 ₱144

$1.99 ₱123

17.59%

One-way Ticket (Public Transport)

$0.51 ₱31.71

$0.28 ₱17.37

82.14%

Public Transport Monthly Pass (Regular Price)

$3.58 ₱221

Taxi Start (Normal Tariff)

$0.81 ₱50.0

$0.82 ₱50.6

-1.22%

Taxi (Normal Tariff) (1km)

$0.12 ₱7.44

$0.24 ₱14.88

-50.00%

Taxi 1hour Waiting (Normal Tariff)

$3.58 ₱221

$2.07 ₱128

72.95%

Gasoline (1 liter)

$1.10 ₱67.8

$1.16 ₱71.2

-5.17%

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

$34.3K ₱2.1M

$26.2K ₱1.6M

31.03%

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

$21.5K ₱1.3M

$20.7K ₱1.3M

3.73%

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

$172 ₱10.6K

$111 ₱6,873

54.32%

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

$26.94 ₱1,661

$32.80 ₱2,023

-17.87%

Internet (50+ Mbps, Unlimited Data)

$36.49 ₱2,250

$27.83 ₱1,716

31.12%

Gym Membership (Monthly)

$56.0 ₱3,452

$13.42 ₱828

317.21%

Tennis Court (1 Hour on Weekend)

$11.79 ₱727

$4.49 ₱277

162.58%

Cinema Ticket

$7.90 ₱487

$5.82 ₱359

35.74%

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

$321 ₱19.8K

$153 ₱9,463

108.86%

International Primary School, 1 Child (Yearly)

$7,538 ₱464.8K

$5,736 ₱353.7K

31.42%

Jeans (Levis 501 Or Similar)

$60.3 ₱3,717

$44.93 ₱2,770

34.16%

Summer Dress (H&M, Zara, etc)

$35.62 ₱2,197

$26.48 ₱1,633

34.52%

Sport Shoes (Adidas, Nike)

$85.6 ₱5,277

$35.74 ₱2,204

139.45%

Men's Leather Business Shoes

$122 ₱7,516

$40.67 ₱2,508

199.70%

1-bedroom Apartment, City Center (Monthly)

$666 ₱41.1K

$131 ₱8,067

409.00%

1-bedroom Apartment, Outside City Center (Monthly)

$390 ₱24.0K

$123 ₱7,593

216.58%

3-bedroom Apartment, City Center (Monthly)

$2,260 ₱139.4K

$249 ₱15.4K

807.56%

3-bedroom Apartment, Outside City Center (Monthly)

$1,024 ₱63.1K

$215 ₱13.3K

375.71%

Buy Apartment in City Center (m2)

$6,010 ₱370.6K

$2,315 ₱142.8K

159.59%

Buy Apartment Outside City Center (m2)

$3,852 ₱237.5K

$974 ₱60.1K

295.47%

Average Monthly Net Salary (After Tax)

$682 ₱42.0K

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

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

Last update for Makati: May 30, 2026

Last update for San Fernando, La Union: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $666 in Makati and $131 in San Fernando, La Union. Housing cost is often the main lever when comparing two cities.

Dining out: $45.00 in Makati vs $18.00 in San Fernando, La Union for a mid-range dinner for two. Groceries echo the gap at $234 vs $216 per month, with San Fernando, La Union cheaper across the board.

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

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

San Fernando, La Union wins on cost – living expenses run 82% lower than in Makati. Housing and daily spending are where you'll feel the difference most, making San Fernando, La Union the obvious pick if budget is a priority.

You'd need roughly $1,849 in Makati and $1,016 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: $666 in Makati versus $131 in San Fernando, La Union. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 8% higher in Makati. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,232 per month in Makati versus $677 in San Fernando, La Union – a 82% gap that adds up to real savings over time for anyone picking the cheaper option.

At $677 in San Fernando, La Union versus $1,232 in Makati, a $1,500 budget is realistic in San Fernando, La Union but tight or insufficient in Makati. The gap between the two cities makes San Fernando, La Union the clear choice for anyone on this budget.

Both work as nomad bases, but San Fernando, La Union delivers better value – similar infrastructure at $677 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes San Fernando, La Union hard to pass up.

Safety-wise, Makati and San Fernando, La Union are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find San Fernando, La Union gentler on the wallet – expenses run 82% less than in Makati. Beyond cost, consider language, visa policies, and how big the international community is in each city.