Last update: Oct 2026

Cost of Living Comparison Between San Fernando and Sydney

For one person, living is cheaper in San Fernando: $703 a month against $3,152 in Sydney, rent and utilities included – about $29,400 less a year. Rent and utilities account for most of the difference.

34

Cost of Living Index in San Fernando
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San Fernando Living Index
155

Cost of Living Index in Sydney
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Sydney Living Index

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San Fernando

🇵🇭 Philippines

$703

/mo nomad

Sydney

🇦🇺 Australia

$3,152

/mo nomad

Monthly Cost of Living

How much you'll spend in San Fernando and in Sydney

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 Sydney actually costs, broken down by who's living it.

Monthly costs for one person with rent: $703 in San Fernando versus $3,152 in Sydney.

San Fernando $703
Sydney $3,152

Estimated couple costs with rent: $1,059 in San Fernando versus $4,710 in Sydney.

San Fernando $1,059
Sydney $4,710

Monthly costs for a family of three with rent: $1,415 in San Fernando versus $6,268 in Sydney.

San Fernando $1,415
Sydney $6,268

Living in San Fernando costs roughly 78% less than in Sydney, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: San Fernando is 48% below, Sydney is 133% above.

Meal at Budget Restaurant

$4.01 ₱252

$17.57 A$25.29

-77.18%

Three-Course Dinner for Two, Mid-Range

$16.71 ₱1,052

$91.5 A$132

-81.73%

Fast Food Meal (McDonalds, etc)

$2.88 ₱181

$11.96 A$17.21

-75.92%

Cappuccino

$1.77 ₱112

$4.07 A$5.85

-56.51%

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

$0.38 ₱23.97

$2.85 A$4.10

-86.67%

Water (0.33 liter bottle)

$0.31 ₱19.32

$2.25 A$3.24

-86.22%

Local Beer (0.5 liter draught)

$0.97 ₱61.2

$7.60 A$10.94

-87.24%

Imported Beer (0.33 liter bottle)

$1.25 ₱78.5

$7.43 A$10.69

-83.18%

Milk (1 liter)

$1.70 ₱107

$1.66 A$2.38

2.41%

White Bread (500g)

$1.11 ₱70.1

$2.78 A$4.00

-60.07%

Rice (white) (1kg)

$0.99 ₱62.2

$2.42 A$3.49

-59.09%

Eggs

$2.00 ₱126

$5.64 A$8.12

-64.54%

Local Cheese (1kg)

$4.95 ₱311

$11.71 A$16.85

-57.73%

Chicken Fillets (1kg)

$3.37 ₱212

$9.66 A$13.89

-65.11%

Beef Round Steak (1kg)

$7.79 ₱490

$16.75 A$24.10

-53.49%

Apples (1kg)

$2.19 ₱138

$4.07 A$5.85

-46.19%

Banana (1kg)

$1.26 ₱79.2

$3.25 A$4.68

-61.23%

Oranges (1kg)

$2.32 ₱146

$3.44 A$4.96

-32.56%

Tomato (1kg)

$1.07 ₱67.1

$4.28 A$6.16

-75.00%

Potato (1kg)

$1.69 ₱106

$3.28 A$4.72

-48.48%

Onion (1kg)

$1.57 ₱99.0

$2.30 A$3.30

-31.74%

Lettuce (1 head)

$0.62 ₱39.14

$2.30 A$3.31

-73.04%

Water (1.5 liter bottle)

$0.53 ₱33.09

$1.21 A$1.74

-56.20%

Cigarettes 20 Pack (Marlboro, Camel)

$2.97 ₱187

$43.71 A$62.9

-93.21%

Wine (Bottle)

$8.92 ₱561

$13.88 A$19.97

-35.73%

Local Beer (0.5 liter bottle)

$0.97 ₱60.8

$3.90 A$5.62

-75.13%

Imported Beer (0.33 liter bottle)

$1.30 ₱81.7

$3.91 A$5.63

-66.75%

One-way Ticket (Public Transport)

$0.26 ₱16.12

$3.04 A$4.38

-91.45%

Public Transport Monthly Pass (Regular Price)

$11.02 ₱694

$150 A$216

-92.66%

Taxi Start (Normal Tariff)

$0.67 ₱41.89

$3.38 A$4.86

-80.18%

Taxi (Normal Tariff) (1km)

$0.23 ₱14.36

$1.56 A$2.24

-85.26%

Taxi 1hour Waiting (Normal Tariff)

$0.94 ₱59.3

$40.01 A$57.6

-97.65%

Gasoline (1 liter)

$1.01 ₱63.8

$1.40 A$2.01

-27.86%

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

$21.3K ₱1.3M

$29.1K A$41.9K

-26.90%

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

$19.0K ₱1.2M

$30.1K A$43.4K

-37.09%

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

$141 ₱8,907

$223 A$320

-36.45%

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

$17.77 ₱1,119

$27.16 A$39.08

-34.57%

Internet (50+ Mbps, Unlimited Data)

$23.40 ₱1,473

$55.8 A$80.3

-58.08%

Gym Membership (Monthly)

$32.05 ₱2,018

$74.6 A$107

-57.04%

Tennis Court (1 Hour on Weekend)

$4.68 ₱295

$23.99 A$34.52

-80.49%

Cinema Ticket

$4.82 ₱303

$17.56 A$25.27

-72.55%

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

$80.0 ₱5,033

$2,196 A$3,160

-96.36%

International Primary School, 1 Child (Yearly)

$1,118 ₱70.4K

$28.2K A$40.6K

-96.03%

Jeans (Levis 501 Or Similar)

$19.46 ₱1,225

$78.4 A$113

-75.19%

Summer Dress (H&M, Zara, etc)

$16.21 ₱1,021

$68.4 A$98.5

-76.32%

Sport Shoes (Adidas, Nike)

$32.14 ₱2,023

$111 A$160

-71.10%

Men's Leather Business Shoes

$48.08 ₱3,027

$134 A$193

-64.23%

1-bedroom Apartment, City Center (Monthly)

$262 ₱16.5K

$2,500 A$3,598

-89.52%

1-bedroom Apartment, Outside City Center (Monthly)

$170 ₱10.7K

$1,709 A$2,460

-90.04%

3-bedroom Apartment, City Center (Monthly)

$523 ₱32.9K

$4,946 A$7,117

-89.43%

3-bedroom Apartment, Outside City Center (Monthly)

$356 ₱22.4K

$3,022 A$4,349

-88.21%

Buy Apartment in City Center (m2)

$2,438 ₱153.5K

$13.2K A$18.9K

-81.48%

Buy Apartment Outside City Center (m2)

$994 ₱62.6K

$8,370 A$12.0K

-88.13%

Average Monthly Net Salary (After Tax)

$339 ₱21.3K

$4,113 A$5,919

-91.76%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.84

2.74%

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

Last update for San Fernando: October 13, 2026

Last update for Sydney: October 11, 2026

Monthly budget structure

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

Monthly Utilities & Internet

San Fernando

$183 26%

Sydney

$306 9.7% 67.3% $123

Groceries & Markets

San Fernando

$170 24.3%

Sydney

$379 12% 122% $208

Accommodation & Living

San Fernando

$170 24.2%

Sydney

$1.7K 54.2% 905% $1.5K

Eating Out

San Fernando

$72 10.3%

Sydney

$299 9.5% 314% $226

Clothing & Footwear

San Fernando

$52 7.4%

Sydney

$177 5.6% 239% $124

Sport & Entertainment

San Fernando

$42 5.9%

Sydney

$110 3.5% 163% $68

Getting Around

San Fernando

$14 2%

Sydney

$174 5.5% 1153% $160

Cost Breakdown

A one-bedroom apartment in the center runs $262 in San Fernando and $2,500 in Sydney. Housing cost is often the main lever when comparing two cities.

Sydney pays 1114% 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 $91.0 in Sydney for a mid-range dinner for two. Groceries echo the gap at $170 vs $379 per month, with San Fernando cheaper across the board.

Good to know

🇵🇭 San Fernando

🇦🇺 Sydney

🕒 Local time

00:00 12:00 AM

03:00 3:00 AM

3 h ahead of San Fernando

🌤 Weather

👥 Population

354,666

4,840,600

💱 Currency

Philippine Peso PHP ₱

Australian Dollar AUD $

📈 Exchange rate

100 PHP = 1.59 USD

100 PHP = 1.41 EUR

1 AUD = 0.695 USD

1 AUD = 0.618 EUR

Exchange rates and currency converter

AUD, 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).

Australian Dollar exchange rates as of October 18, 2026: 1 USD = 1.44 AUD (1 AUD = 0.695 USD). 1 EUR = 1.62 AUD (1 AUD = 0.618 EUR).

USD to PHP in detail →

On the map

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Between locations

San Fernando Sydney 6,330 km ≈ 8 h nonstop flight

From you

San Fernando
Sydney

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 Sydney: Cost of Living - Frequently Asked Questions

San Fernando and Sydney differ by about 348% in total monthly costs ($703 vs $3,152 including rent). San Fernando is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 1114% lower in Sydney. 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 $2,500 in Sydney. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $80.0 in San Fernando versus $2,196 in Sydney. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 122% higher in Sydney. For households that cook at home regularly, that difference adds up over a month.

At $703 in San Fernando versus $3,152 in Sydney, a $2,000 budget is realistic in San Fernando but tight or insufficient in Sydney. 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.

Safety-wise, San Fernando and Sydney 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 348% less than in Sydney. Beyond cost, consider language, visa policies, and how big the international community is in each city.