Cost of Living Comparison Between San Fernando and Makati Cost of Living Comparison Between San Fernando and Makati

Monthly Cost of Living

Monthly costs for one person with rent: $788 in San Fernando versus $1,204 in Makati.

Estimated couple costs with rent: $1,177 in San Fernando versus $2,023 in Makati.

Monthly costs for a family of three with rent: $1,566 in San Fernando versus $2,841 in Makati.

Living in San Fernando costs roughly 35% less than in Makati, driven mainly by Clothing & Footwear.

Both cities sit below the global median: San Fernando 41% lower, Makati 10% lower.

Meal at Budget Restaurant

$3.65 ₱223

$6.69 ₱409

-45.44%

Three-Course Dinner for Two, Mid-Range

$13.42 ₱821

$44.22 ₱2,706

-69.65%

Fast Food Meal (McDonalds, etc)

$2.73 ₱167

$4.88 ₱299

-44.06%

Cappuccino

$1.09 ₱66.6

$2.93 ₱179

-62.80%

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

$0.45 ₱27.54

$1.19 ₱73.1

-62.18%

Water (0.33 liter bottle)

$0.37 ₱22.39

$0.56 ₱34.49

-33.93%

Local Beer (0.5 liter draught)

$1.35 ₱82.3

$2.42 ₱148

-44.21%

Imported Beer (0.33 liter bottle)

$1.39 ₱85.3

$3.62 ₱221

-61.60%

Milk (1 liter)

$1.82 ₱112

$2.20 ₱135

-17.27%

White Bread (500g)

$1.23 ₱75.5

$1.49 ₱91.2

-17.45%

Rice (white) (1kg)

$0.97 ₱59.4

$1.07 ₱65.2

-9.35%

Eggs

$2.26 ₱138

$2.34 ₱143

-3.42%

Local Cheese (1kg)

$8.92 ₱546

$8.19 ₱501

8.91%

Chicken Fillets (1kg)

$3.86 ₱236

$4.42 ₱270

-12.67%

Beef Round Steak (1kg)

$7.70 ₱471

$7.71 ₱471

-0.13%

Apples (1kg)

$2.62 ₱160

$4.36 ₱267

-39.91%

Banana (1kg)

$1.82 ₱111

$2.00 ₱122

-9.00%

Oranges (1kg)

$2.30 ₱141

$2.57 ₱157

-10.51%

Tomato (1kg)

$1.21 ₱74.2

$2.23 ₱136

-45.74%

Potato (1kg)

$1.84 ₱112

$3.45 ₱211

-46.67%

Onion (1kg)

$2.15 ₱131

$2.86 ₱175

-24.83%

Lettuce (1 head)

$0.67 ₱40.87

$1.14 ₱69.5

-41.23%

Water (1.5 liter bottle)

$0.61 ₱37.05

$1.02 ₱62.2

-40.20%

Cigarettes 20 Pack (Marlboro, Camel)

$3.31 ₱202

$2.84 ₱174

16.55%

Wine (Bottle)

$8.38 ₱513

$8.12 ₱497

3.20%

Local Beer (0.5 liter bottle)

$1.08 ₱65.8

$1.25 ₱76.5

-13.60%

Imported Beer (0.33 liter bottle)

$1.50 ₱91.7

$2.32 ₱142

-35.34%

One-way Ticket (Public Transport)

$0.26 ₱15.90

$0.54 ₱33.13

-51.85%

Public Transport Monthly Pass (Regular Price)

$20.91 ₱1,279

$3.64 ₱223

474.45%

Taxi Start (Normal Tariff)

$0.73 ₱44.84

$0.78 ₱47.96

-6.41%

Taxi (Normal Tariff) (1km)

$0.22 ₱13.45

$0.11 ₱6.44

100.00%

Taxi 1hour Waiting (Normal Tariff)

$1.08 ₱66.3

$3.65 ₱223

-70.41%

Gasoline (1 liter)

$1.15 ₱70.4

$1.10 ₱67.4

4.55%

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

$28.5K ₱1.7M

$33.4K ₱2.0M

-14.49%

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

$23.5K ₱1.4M

$21.5K ₱1.3M

9.41%

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

$107 ₱6,550

$171 ₱10.4K

-37.26%

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

$17.45 ₱1,067

$26.96 ₱1,649

-35.27%

Internet (50+ Mbps, Unlimited Data)

$26.29 ₱1,608

$35.97 ₱2,201

-26.91%

Gym Membership (Monthly)

$30.92 ₱1,892

$55.6 ₱3,402

-44.40%

Tennis Court (1 Hour on Weekend)

$4.35 ₱266

$11.87 ₱726

-63.35%

Cinema Ticket

$4.41 ₱270

$8.19 ₱501

-46.15%

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

$60.9 ₱3,723

$322 ₱19.7K

-81.10%

International Primary School, 1 Child (Yearly)

$1,948 ₱119.2K

$7,811 ₱477.9K

-75.06%

Jeans (Levis 501 Or Similar)

$34.49 ₱2,110

$58.8 ₱3,598

-41.35%

Summer Dress (H&M, Zara, etc)

$15.97 ₱977

$35.76 ₱2,188

-55.34%

Sport Shoes (Adidas, Nike)

$52.3 ₱3,196

$83.9 ₱5,132

-37.72%

Men's Leather Business Shoes

$47.28 ₱2,893

$123 ₱7,550

-61.69%

1-bedroom Apartment, City Center (Monthly)

$354 ₱21.6K

$667 ₱40.8K

-46.98%

1-bedroom Apartment, Outside City Center (Monthly)

$243 ₱14.8K

$403 ₱24.6K

-39.75%

3-bedroom Apartment, City Center (Monthly)

$590 ₱36.1K

$2,307 ₱141.1K

-74.44%

3-bedroom Apartment, Outside City Center (Monthly)

$479 ₱29.3K

$1,015 ₱62.1K

-52.79%

Buy Apartment in City Center (m2)

$2,226 ₱136.2K

$6,283 ₱384.4K

-64.56%

Buy Apartment Outside City Center (m2)

$3,903 ₱238.8K

Average Monthly Net Salary (After Tax)

$334 ₱20.4K

$712 ₱43.6K

-53.15%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.5

6.67

-17.54%

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

Last update for San Fernando: April 27, 2026

Last update for Makati: April 25, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $354 in San Fernando and $667 in Makati. Housing cost is often the main lever when comparing two cities.

Makati pays 113% 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: $13 in San Fernando vs $44 in Makati for a mid-range dinner for two. Groceries echo the gap at $197 vs $236 per month, with San Fernando 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 vs Makati: Cost of Living - Frequently Asked Questions

San Fernando wins on cost – living expenses run 53% lower than in Makati. 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, Makati earns 113% less. 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: $354 in San Fernando versus $667 in Makati. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $788 per month in San Fernando versus $1,204 in Makati – a 53% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in San Fernando runs roughly 474% less than in Makati. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $788 in San Fernando versus $1,204 in Makati, a $2,000 budget is realistic in San Fernando but tight or insufficient in Makati. The gap between the two cities makes San Fernando the clear choice for anyone on this budget.

Both work as nomad bases, but San Fernando delivers better value – similar infrastructure at $788 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes San Fernando hard to pass up.

Safety-wise, San Fernando and Makati 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 gentler on the wallet – expenses run 53% less than in Makati. Beyond cost, consider language, visa policies, and how big the international community is in each city.