Cost of Living inSan Fernando, Philippines
Purchasing Power vs. United States
Based on GDP per capita (PPP). Philippines: $10,376/capita.
How Far Your Money Goes
Prices are 70% lower than the global benchmark (New York City = 100).
Using the country-level NYC comparison for now. We do not have a defensible city-level aggregate cost index for this city yet.
Income Category
Happiness
6.0 / 10
#52 globally
GDP per Capita
City Population
Child Education
Public-school quality, expat access, instruction language, and homeschool legality for relocating families.
Public schools
Public-schooling rules are set nationally for Philippines; San Fernando-specific enrollment notes are still being verified.
Quality
Mixed public-school option
Expat access
Available to residents
conditionalInstruction
English / Filipino
Language fit is more manageable.
PISA / outcomes
Qualitative only
Using curated quality notes for now.
Why this quality rating
The Philippines has a more English-friendly public path than many peers, but quality still varies too much for the system to feel universally strong.
Why the expat-access rating looks like this
Resident families can generally access public schools, and English helps, but many expat households still choose private options for predictability.
📋 Homeschooling
Legal with DepEd accreditationHomeschooling is legal through DepEd-accredited homeschool providers. The Alternative Learning System (ALS) provides a pathway. Individual families typically work through an accredited program rather than independently.
Homeschool legality in Philippines — check current regulations before committing.
Source: User-curated family relocation research (initial seed) (2026-04-14)
Childcare & Domestic Help
Estimate-only country fallback for the family-support costs we track in Philippines.
Full-time nanny (5 days)
$295-$650
Estimate-only country fallback
Live-in / 24-7 nanny
$510-$1,050
Estimate-only country fallback
Source: curated family relocation research(derived country fallback)
Getting Around
Neighborhood mobility profiles are rolling out city by city.San Fernando is still missing a verified walkability, transit, airport, and rideshare profile.
Healthcare
System strength, outcome signals, facility coverage, and self-pay visibility in Philippines.
Method: country metrics come from public system indicators, facility coverage reflects mapped providers we can inventory, direct pricing only reflects observed self-pay pages, and relative care cost can fall back to broad cost-of-living healthcare indices. Sparse pricing does not imply sparse healthcare availability.
Healthcare system
LimitedDoctor staffing is lighter, hospital capacity looks tighter, and households still pay a large share themselves weigh on this rating.
Public care
LimitedA visible public hospital footprint help, but public funding looks lighter and patients still shoulder a meaningful share of costs.
Private care
MixedA clearly private facility base help, but self-pay pricing transparency is still sparse.
UHC coverage
69/100
2023
Physicians
0.79/1k
2021
Hospital beds
0.97/1k
2021
Out of pocket
44%
2023
Outcome signals
Life expectancy
69.9 yrs
2024
Maternal mortality
84/100k
2023
Neonatal mortality
13.6/1k
2024
International patient readiness
LimitedA visible private hospital base help, but price transparency is still sparse and headline outcomes are less reassuring.
Pricing transparency
LimitedPublished self-pay prices are scarce and few facilities expose web pages we can verify weigh on this rating.
Facility coverage
Self-pay pricing visibility
No verified self-pay prices are published for the tracked facilities in Philippines yet.
This usually reflects low online price transparency rather than a lack of healthcare providers.
Notable facilities
System metrics: World Bank WDI · Updated 2026-06-01
Safety & Governance
Street Safety
Source: Numbeo where a city row is matched; otherwise World Bank WGI and country-level safety context.
Political Stability
World Bank WGI scale: -2.5 to +2.5.
Wages by Sector
| Sector | Median |
|---|---|
| Administrative & Support Services | — |
| Agriculture & Farming | — |
| Arts, Entertainment & Recreation | — |
| Construction | — |
| Education | — |
| Finance & Insurance | — |
| Healthcare & Social Work | — |
| Hospitality & Food Service | — |
| Information & Technology | — |
| Manufacturing | — |
| Mining & Quarrying | — |
| Other Services | — |
| Professional & Scientific Services | — |
| Public Administration & Defence | — |
| Real Estate | — |
| Retail & Wholesale Trade | — |
| Transport & Logistics | — |
| Utilities | — |
2023 annual wages in San Fernando, Philippines · Source: PSA LFS (region-adjusted)
Price Comparison vs. US
Visa Information (US passport)
Short-stay entry
US passport holders can stay up to 30 days without a visa.
Long-Term Visa Programs
retirement
SRRV Classic PhilippinesQuick comparison FAQ
Structured from the deltas already shown on this page — no invented facts, no extra data sources.
How far does your money go in San Fernando compared with the US?
Your money goes about 3.6x further in San Fernando than in the US, based on the current PPP estimate. We are using the country-level cost index for Philippines here because a defensible city-level aggregate index is not available yet.
Is San Fernando cheaper or more expensive overall than New York City?
San Fernando is cheaper overall than New York City — overall living costs are about 70% cheaper than the global benchmark (New York City) for San Fernando. We are using the country-level cost index for Philippines here because a defensible city-level aggregate index is not available yet.
How does rent in San Fernando compare with New York City?
Rent in San Fernando is about 92% cheaper than the global benchmark (New York City). We are using the country-level cost index for Philippines here because a defensible city-level aggregate index is not available yet.
How expensive are groceries and restaurants in San Fernando?
Groceries in San Fernando are about 65% cheaper than the global benchmark (New York City), and restaurant prices are about 80% cheaper than the same benchmark. We are using the country-level cost index for Philippines here because a defensible city-level aggregate index is not available yet.
About San Fernando
San Fernando is the capital of La Union province in the Ilocos Region of northwestern Luzon, Philippines, set on the South China Sea coast about 270 kilometers north of Manila. The city serves as the regional administrative center for Ilocos and as the seat of major government and academic institutions, including a branch of the Don Mariano Marcos Memorial State University. Its economy combines provincial administration, education, commerce serving the surrounding rice and tobacco districts, port activity through Poro Point, and a small but established surfing scene at nearby Urbiztondo Beach. Climate is tropical monsoon with hot, wet summers and a drier cool season. Filipino, Ilocano, and English are widely spoken, and the peso is the currency. Relocation interest centers on regional jobs and lower costs than Metro Manila.
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