Last update: Oct 2026

Cost of Living Comparison Between San Fernando and Austin, TX

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.

34

Cost of Living Index in San Fernando
Learn more

San Fernando Living Index
130

Cost of Living Index in Austin, TX
Learn more

Austin, TX Living Index

Jump to prices

San Fernando

🇵🇭 Philippines

$703

/mo nomad

Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Monthly Cost of Living

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

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

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

San Fernando $703
Austin, TX $2,663

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

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

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

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

Living in San Fernando costs roughly 74% less than in Austin, TX, and outside of rent the biggest gap is in eating out.

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

Meal at Budget Restaurant

$4.01 ₱252

$20.77 $20.77

-80.69%

Three-Course Dinner for Two, Mid-Range

$16.71 ₱1,052

$84.6 $84.6

-80.25%

Fast Food Meal (McDonalds, etc)

$2.88 ₱181

$12.32 $12.32

-76.62%

Cappuccino

$1.77 ₱112

$5.63 $5.63

-68.56%

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

$0.38 ₱23.97

$3.72 $3.72

-89.78%

Water (0.33 liter bottle)

$0.31 ₱19.32

$2.50 $2.50

-87.60%

Local Beer (0.5 liter draught)

$0.97 ₱61.2

$8.05 $8.05

-87.95%

Imported Beer (0.33 liter bottle)

$1.25 ₱78.5

$9.01 $9.01

-86.13%

Milk (1 liter)

$1.70 ₱107

$1.12 $1.12

51.79%

White Bread (500g)

$1.11 ₱70.1

$3.75 $3.75

-70.40%

Rice (white) (1kg)

$0.99 ₱62.2

$3.26 $3.26

-69.63%

Eggs

$2.00 ₱126

$4.17 $4.17

-52.04%

Local Cheese (1kg)

$4.95 ₱311

$12.90 $12.90

-61.63%

Chicken Fillets (1kg)

$3.37 ₱212

$14.16 $14.16

-76.20%

Beef Round Steak (1kg)

$7.79 ₱490

$16.22 $16.22

-51.97%

Apples (1kg)

$2.19 ₱138

$4.33 $4.33

-49.42%

Banana (1kg)

$1.26 ₱79.2

$1.46 $1.46

-13.70%

Oranges (1kg)

$2.32 ₱146

$4.51 $4.51

-48.56%

Tomato (1kg)

$1.07 ₱67.1

$4.34 $4.34

-75.35%

Potato (1kg)

$1.69 ₱106

$2.58 $2.58

-34.50%

Onion (1kg)

$1.57 ₱99.0

$2.35 $2.35

-33.19%

Lettuce (1 head)

$0.62 ₱39.14

$1.78 $1.78

-65.17%

Water (1.5 liter bottle)

$0.53 ₱33.09

$2.22 $2.22

-76.13%

Cigarettes 20 Pack (Marlboro, Camel)

$2.97 ₱187

$9.88 $9.88

-69.94%

Wine (Bottle)

$8.92 ₱561

$15.08 $15.08

-40.85%

Local Beer (0.5 liter bottle)

$0.97 ₱60.8

$2.92 $2.92

-66.78%

Imported Beer (0.33 liter bottle)

$1.30 ₱81.7

$3.46 $3.46

-62.43%

One-way Ticket (Public Transport)

$0.26 ₱16.12

$1.49 $1.49

-82.55%

Public Transport Monthly Pass (Regular Price)

$11.02 ₱694

$41.72 $41.72

-73.59%

Taxi Start (Normal Tariff)

$0.67 ₱41.89

$2.73 $2.73

-75.46%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.36

$1.66 $1.66

-86.14%

Taxi 1hour Waiting (Normal Tariff)

$0.94 ₱59.3

$35.30 $35.30

-97.34%

Gasoline (1 liter)

$1.01 ₱63.8

$0.95 $0.95

6.32%

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

$21.3K ₱1.3M

$36.0K $36.0K

-40.94%

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

$19.0K ₱1.2M

$27.1K $27.1K

-29.98%

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

$141 ₱8,907

$229 $229

-38.22%

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

$17.77 ₱1,119

$59.4 $59.4

-70.08%

Internet (50+ Mbps, Unlimited Data)

$23.40 ₱1,473

$69.9 $69.9

-66.53%

Gym Membership (Monthly)

$32.05 ₱2,018

$57.2 $57.2

-44.01%

Tennis Court (1 Hour on Weekend)

$4.68 ₱295

$16.33 $16.33

-71.34%

Cinema Ticket

$4.82 ₱303

$14.28 $14.28

-66.25%

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

$80.0 ₱5,033

$1,506 $1,506

-94.69%

International Primary School, 1 Child (Yearly)

$1,118 ₱70.4K

$21.5K $21.5K

-94.79%

Jeans (Levis 501 Or Similar)

$19.46 ₱1,225

$52.8 $52.8

-63.15%

Summer Dress (H&M, Zara, etc)

$16.21 ₱1,021

$43.82 $43.82

-63.01%

Sport Shoes (Adidas, Nike)

$32.14 ₱2,023

$84.8 $84.8

-62.09%

Men's Leather Business Shoes

$48.08 ₱3,027

$103 $103

-53.32%

1-bedroom Apartment, City Center (Monthly)

$262 ₱16.5K

$1,907 $1,907

-86.26%

1-bedroom Apartment, Outside City Center (Monthly)

$170 ₱10.7K

$1,274 $1,274

-86.65%

3-bedroom Apartment, City Center (Monthly)

$523 ₱32.9K

$3,664 $3,664

-85.74%

3-bedroom Apartment, Outside City Center (Monthly)

$356 ₱22.4K

$2,538 $2,538

-85.96%

Buy Apartment in City Center (m2)

$2,438 ₱153.5K

$7,614 $7,614

-67.98%

Buy Apartment Outside City Center (m2)

$994 ₱62.6K

$3,157 $3,157

-68.53%

Average Monthly Net Salary (After Tax)

$339 ₱21.3K

$5,121 $5,121

-93.38%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

-11.63%

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

Last update for San Fernando: October 13, 2026

Last update for Austin, TX: October 12, 2026

Monthly budget structure

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

Monthly Utilities & Internet

San Fernando

$183 26%

Austin, TX

$358 13.5% 96.2% $176

Groceries & Markets

San Fernando

$170 24.3%

Austin, TX

$405 15.2% 137% $234

Accommodation & Living

San Fernando

$170 24.2%

Austin, TX

$1.3K 47.8% 649% $1.1K

Eating Out

San Fernando

$72 10.3%

Austin, TX

$354 13.3% 391% $282

Clothing & Footwear

San Fernando

$52 7.4%

Austin, TX

$128 4.8% 145% $76

Sport & Entertainment

San Fernando

$42 5.9%

Austin, TX

$86 3.2% 106% $44

Getting Around

San Fernando

$14 2%

Austin, TX

$59 2.2% 324% $45

Cost Breakdown

A one-bedroom apartment in the center runs $262 in San Fernando and $1,907 in Austin, TX. 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: $17.00 in San Fernando vs $85.0 in Austin, TX for a mid-range dinner for two. Groceries echo the gap at $170 vs $405 per month, with San Fernando cheaper across the board.

Good to know

🇵🇭 San Fernando

🇺🇸 Austin, TX

🕒 Local time

15:16 3:16 PM

02:16 2:16 AM

13 h behind San Fernando

🌤 Weather

👥 Population

354,666

974,447

💱 Currency

Philippine Peso PHP ₱

United States Dollar USD $

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to PHP – Philippine Peso Converter

🇺🇸 United States Dollar ($)

🇵🇭 Philippine Peso (₱)

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).

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

USD to PHP in detail →

On the map

Lowest

Highest

Between locations

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

From you

San Fernando
Austin, TX

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

San Fernando vs Austin, TX: 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.

On paper, salaries run 1411% lower in Austin, TX. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

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

All in, you'll spend $703 per month in San Fernando versus $2,663 in Austin, TX – 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.