Cost of living in San Fernando: rent, salaries & real expenses (2026)
The cost of living in San Fernando is around €1343/month, with rent at €573 (INE 2023) — 12% below the Spanish average. Rent trend: +2.4% per year. Here's the full breakdown.
Avg. rent
573€
/ month · INE
Total cost
1343€
/ month est.
Salary needed
33k€
gross / year
Rent trend
+2.4%
annual change
Estimated monthly budget
Food, transport and utility expenses based on INE/Eurostat national averages. Adjust to your lifestyle.
Rent in San Fernando
Est. rent
573€
/ month
vs Spain
-12%
media 648€
Ranking
#456
of 748
Trend
+2.4%
annual change
Rent in San Fernando is 12% cheaper than the national average and 1% more expensive than the Andalucía average (€568/month). The annual trend is +2.4%.
What salary do you need to live in San Fernando?
Recommended salary
32,500€
gross / year
Rule applied
30%
max rent/net
Avg CCAA salary
26,090€
gross / year · INE
To avoid spending more than 30% of your net salary on rent in San Fernando (€573/month), you need to earn at least €32,500 gross/year. The average gross salary in Andalucía is €26,090/year according to INE.
Buying in San Fernando: what does a mortgage cost?
Est. price
115,000€
PER ~200 months
Monthly payment
461€
25yr · 3.5% · 80%
Down pmt + costs
34,500€
20% + 10%
Estimate based on a sale price of €115,000 (typical price-to-rent ratio). 25-year mortgage at 3.5% with 80% financed. Indicative calculation.
Calculate with your price →Quality of life in San Fernando
Summer max
29°C
Jun–Aug · ERA5
Winter min
10.1°C
Dec–Feb · ERA5
Unemployment
20.2%
SEPE 202604
Rent burden
53.1%
of net income
San Fernando has a warm climate with mild summers (29°C max from June to August) and cool winters (10.1°C min from December to February). Unemployment stands at 20.2% (SEPE 202604) and the rent-to-income burden is 53.1%. Climate data: Open-Meteo ERA5 (2015-2024 normals).
📊 Full data
Municipal page with all indicators
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Rent: INE IPVA index (2023). Expenses: INE/Eurostat national averages. Mortgage: indicative calculation.