A photonic crystal fiber based on surface plasmon resonance (PCF-SPR) sensing of a silver layer is investigated. The sensor has two advantages: polarization independence and less noble metal consumption. The coupling characteristics and sensing performance of the sensor are numerically investigated by the finite-element method employing the COMSOL Multiphysics® software. The optical loss spectrum of the PCF-SPR sensor can be easily tuned by varying the parameters of the structure. The defined amplitude sensitivity is 4398 dB/RIU and spectral sensitivity is 4500 nm/RIU corresponding to resolution of 2.27×10−6 RIU and 2.22×10−5 RIU, respectively.