2026 USD to PHP Historical Review

YEARLY HIGH

61.8170 PHP

YEARLY LOW

57.5370 PHP

YEARLY AVERAGE

60.1885 PHP

2026 USD to PHP Performance & Market Timing Review

Analysis of key historical highlights and timing insights for 2026

During 2026, the USD to PHP exchange rate experienced significant fluctuation. The market reached its absolute peak on July 23, valuing the pair at 61.8170. Conversely, the yearly low was recorded on February 25, dropping to 57.5370.

This high-to-low spread represents a total annual volatility of 4.2800 PHP. From a start-to-finish perspective, comparing the January average rate of 59.1438 to the December average rate of 61.6180, the exchange rate registered a net change of 4.18% (reflecting a strengthening trend).

Looking at year-over-year peak valuations, the 2026 high of 61.8170 was up 4.05% compared to the 2025 peak of 59.4100, indicating shifts in long-term support levels.

Transfer Payout Power Comparison

Comparing the value generated converting 5,000 USD based on timing:

Yearly Peak High 309,085 PHP

2025 Average 287,458 PHP

Yearly Trough Low 287,685 PHP

Transaction Impact: A difference of 21,399.89 PHP purely based on transaction execution date.

Trend Visualization

Monthly average fluctuations over the course of 2026.

61.9626

57.8278

JanuMarcMayJuly

USD to PHP Seasonal Trends & Volatility Analysis

A structured review of seasonal halves, trading extremes, consecutive streaks, and historical baselines.

Seasonal Halves (H1 vs H2)

Seasonal

The average exchange rate in the first half of the year (H1: Jan–Jun) was 59.9502, compared to 61.6180 in the second half (H2: Jul–Dec). This shows that the rate was stronger in the second half (Jul–Dec) by a margin of 1.6678 points.

H1 Avg (Jan–Jun) 59.9502

H2 Avg (Jul–Dec) 61.6180

Volatility Range Comparison

Volatility

The most volatile month in 2026 was March, with a trading range of 2.9957 PHP (High: 60.7210 / Low: 57.7253). On the other end, May was the most stable month, with a tight range of 0.2485 PHP (High: 61.5235 / Low: 61.2750).

March Spread (Volatile) ±2.9957

May Spread (Stable) ±0.2485

Growth Streaks & Declines

Trends

Between February and May, the exchange rate recorded its longest consecutive growth streak of the year, climbing for 3 straight months. Conversely, the sharpest month-over-month decline occurred between January and February, when the average rate fell by 0.9714 points.

Longest Streak 3 Mo.

Sharpest MoM Drop -0.9714

Same-Month Historical Baseline

YoY Baseline

Comparing the current year's strongest month average (July 2026: 61.6180) against the same month in 2025 (average: 56.8667), the exchange rate shifted by +4.7513 (+8.36%).

2026 Avg (July) 61.6180

2025 Avg (July) 56.8667

Monthly Breakdown

Statistical summary for each calendar month.

Month	High	Low	Average
January	59.5020	58.7800	59.1438
February	59.0300	57.5370	58.1724
March	60.7210	57.7253	59.5574
April	61.6465	59.5320	60.1820
May	61.5235	61.2750	61.4639
June	61.7985	60.2942	61.1816
July	61.8170	61.4355	61.6180