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

Monthly Cost of Living

Monthly costs for one person with rent: $688 in San Fernando, La Union versus $873 in Cebu.

Estimated couple costs with rent: $1,025 in San Fernando, La Union versus $1,339 in Cebu.

Monthly costs for a family of three with rent: $1,363 in San Fernando, La Union versus $1,805 in Cebu.

Living in San Fernando, La Union costs roughly 21% less than in Cebu, driven mainly by Clothing & Footwear.

Both cities sit below the global median: San Fernando, La Union 48% lower, Cebu 35% lower.

Meal at Budget Restaurant

$3.64 ₱224

$4.39 ₱270

-17.08%

Three-Course Dinner for Two, Mid-Range

$17.85 ₱1,099

$24.30 ₱1,496

-26.54%

Fast Food Meal (McDonalds, etc)

$3.35 ₱206

$4.53 ₱279

-26.05%

Cappuccino

$2.39 ₱147

$2.52 ₱155

-5.16%

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

$0.78 ₱48.30

$0.80 ₱49.42

-2.50%

Water (0.33 liter bottle)

$0.39 ₱24.21

$0.42 ₱25.97

-7.14%

Local Beer (0.5 liter draught)

$1.35 ₱83.4

$1.59 ₱97.7

-15.09%

Imported Beer (0.33 liter bottle)

$2.12 ₱130

$2.19 ₱135

-3.20%

Milk (1 liter)

$2.96 ₱182

$2.26 ₱139

30.97%

White Bread (500g)

$1.26 ₱77.6

$1.51 ₱93.0

-16.56%

Rice (white) (1kg)

$0.95 ₱58.6

$1.16 ₱71.6

-18.10%

Eggs

$2.03 ₱125

$2.36 ₱145

-13.98%

Local Cheese (1kg)

$8.11 ₱499

$12.87 ₱792

-36.99%

Chicken Fillets (1kg)

$4.36 ₱268

$5.38 ₱331

-18.96%

Beef Round Steak (1kg)

$7.51 ₱462

$7.82 ₱481

-3.96%

Apples (1kg)

$2.88 ₱177

$3.53 ₱217

-18.41%

Banana (1kg)

$1.51 ₱93.3

$1.51 ₱92.9

Oranges (1kg)

$2.63 ₱162

$3.29 ₱203

-20.06%

Tomato (1kg)

$1.53 ₱94.4

$2.20 ₱136

-30.45%

Potato (1kg)

$2.28 ₱140

$2.64 ₱162

-13.64%

Onion (1kg)

$2.61 ₱161

$2.46 ₱152

6.10%

Lettuce (1 head)

$1.11 ₱68.1

$1.00 ₱61.4

11.00%

Water (1.5 liter bottle)

$0.71 ₱43.41

$0.78 ₱48.06

-8.97%

Cigarettes 20 Pack (Marlboro, Camel)

$2.86 ₱176

$3.10 ₱191

-7.74%

Wine (Bottle)

$8.85 ₱545

$6.43 ₱396

37.64%

Local Beer (0.5 liter bottle)

$1.15 ₱71.0

$1.16 ₱71.7

-0.86%

Imported Beer (0.33 liter bottle)

$1.97 ₱121

$2.24 ₱138

-12.05%

One-way Ticket (Public Transport)

$0.28 ₱17.26

$0.26 ₱15.80

7.69%

Public Transport Monthly Pass (Regular Price)

$15.36 ₱946

Taxi Start (Normal Tariff)

$0.78 ₱47.82

$0.81 ₱49.81

-3.70%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.49

$0.23 ₱14.06

-4.35%

Taxi 1hour Waiting (Normal Tariff)

$2.17 ₱134

$2.64 ₱163

-17.80%

Gasoline (1 liter)

$1.19 ₱73.5

$1.10 ₱67.7

8.18%

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

$26.3K ₱1.6M

$30.5K ₱1.9M

-13.79%

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

$20.7K ₱1.3M

$27.7K ₱1.7M

-25.51%

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

$115 ₱7,051

$95.9 ₱5,904

19.43%

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

$32.66 ₱2,011

$34.05 ₱2,096

-4.08%

Internet (50+ Mbps, Unlimited Data)

$26.98 ₱1,661

$29.86 ₱1,839

-9.65%

Gym Membership (Monthly)

$13.15 ₱810

$33.32 ₱2,051

-60.53%

Tennis Court (1 Hour on Weekend)

$4.52 ₱278

$8.45 ₱520

-46.51%

Cinema Ticket

$6.11 ₱376

$5.79 ₱357

5.53%

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

$154 ₱9,451

$235 ₱14.5K

-34.79%

International Primary School, 1 Child (Yearly)

$5,905 ₱363.5K

$3,913 ₱240.9K

50.90%

Jeans (Levis 501 Or Similar)

$44.89 ₱2,764

$53.1 ₱3,272

-15.53%

Summer Dress (H&M, Zara, etc)

$26.87 ₱1,655

$22.65 ₱1,395

18.63%

Sport Shoes (Adidas, Nike)

$35.92 ₱2,211

$76.1 ₱4,685

-52.79%

Men's Leather Business Shoes

$39.67 ₱2,442

$55.0 ₱3,383

-27.82%

1-bedroom Apartment, City Center (Monthly)

$132 ₱8,117

$508 ₱31.3K

-74.06%

1-bedroom Apartment, Outside City Center (Monthly)

$123 ₱7,603

$210 ₱12.9K

-41.07%

3-bedroom Apartment, City Center (Monthly)

$252 ₱15.5K

$800 ₱49.3K

-68.45%

3-bedroom Apartment, Outside City Center (Monthly)

$216 ₱13.3K

$389 ₱24.0K

-44.50%

Buy Apartment in City Center (m2)

$2,200 ₱135.4K

$3,013 ₱185.5K

-26.99%

Buy Apartment Outside City Center (m2)

$946 ₱58.2K

$1,950 ₱120.1K

-51.50%

Average Monthly Net Salary (After Tax)

$340 ₱20.9K

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

-16.63%

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

Last update for San Fernando, La Union: July 13, 2026

Last update for Cebu: July 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $132 in San Fernando, La Union and $508 in Cebu. Housing cost is often the main lever when comparing two cities.

Dining out: $18.00 in San Fernando, La Union vs $24.00 in Cebu for a mid-range dinner for two. Groceries echo the gap at $217 vs $241 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

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

San Fernando, La Union is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Monthly Utilities & Internet, Sport & Entertainment. The 27% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $1,032 in San Fernando, La Union and $1,310 in Cebu 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: $132 in San Fernando, La Union versus $508 in Cebu. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 11% higher in Cebu. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $688 per month in San Fernando, La Union versus $873 in Cebu – a 27% gap that adds up to real savings over time for anyone picking the cheaper option.

At $688 in San Fernando, La Union versus $873 in Cebu, a $1,500 budget is realistic in San Fernando, La Union but tight or insufficient in Cebu. The gap between the two cities makes San Fernando, La Union the clear choice for anyone on this budget.

For families, San Fernando, La Union is more practical. Housing and childcare are both notably cheaper than in Cebu, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, San Fernando, La Union and Cebu 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 27% less than in Cebu. Beyond cost, consider language, visa policies, and how big the international community is in each city.