Puerto Princesa City, Philippines

Moving to Philippines

By Betsy Burlingame

Last updated on Apr 11, 2025

Summary: Expats and digital nomads move to the Philippines for its low cost of living, warm climate, and friendly people. The most popular cities for expats and digital nomads in the Philippines are Manila, Cebu, and Davao. People looking for a place to live in the Philippines can search online for rental listings, contact real estate agents, or look for postings on expat forums.

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What do I need to know before moving to Philippines?

When we asked people what advice they would give someone preparing to move to Philippines, they said:

"Expatriates should be aware that the official language in the Philippines is Filipino, although English is widely spoken in Manila and other cities. Expats should also be aware that the culture of the Philippines is largely influenced by Spanish and American traditions, so expats could benefit from learning more about the culture before their move. Additionally, expats should plan to keep medical documents and any medications with them upon their move, as medical care may be more limited than what is available in their home country. Furthermore, it is important for expats to obtain a valid visa before travelling to the Philippines, especially if they plan to reside and work there. Finally, expats should be aware that the cost of living in the Philippines can be relatively low, depending on the type of accommodation and lifestyle," said one expat who made the move to Philippines.

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How do I find a place to live in Philippines?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"Near the school of my son due to traffic. If International school, stay in alabang of Forbes If Brent-south campus stay in Alabang If Brent Ortigas, choose another school. Use one agent, and let her search. DOnt worry about watersupply. Worry about neighbors and semifurnished. This excludes aircon," commented one expat who made the move to Manila.

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What is a typical expat home or apartment like in Philippines?

"Expat homes and apartments in the Philippines tend to be modern and comfortable. Most commonly, they are single-storey Western-style homes with air-conditioning and a well-equipped kitchen. Most expat apartments are spacious and come with excellent facilities, including swimming pools and gyms. There is typically a range of apartment sizes and styles available, from studio apartments to large, multi-bedroom units. Expat homes and apartments are often comfortable, secure and in premium locations, such as near beaches, parks, or in residential areas," explained one expat living in Philippines.

"Yes, a large condo is typical expat housing if you have no kids. No need to worry about security, just get to know the guards and staff in your building well and they will look out for you," said one expat in Manila.

"I don't know any other expand personally so I can't say what's "typical", but I can tell you about my home and others no found whole looking for it. I have a 3 bedroom, 2 bath townhouse in Mactan (near deny city). It came fully furnished for $460 per month. This was a good deal, better than most, but not incredible. Most homes here have showers rather than bathtubs. They do not have big tank water heaters like in the US. The only hot water is in the shower, and so there's a small water heater in the bathroom. Kitchen and bathroom sinks are cold water only. Homes are typically smaller than in the US. A one bedroom apartment is usually 500 square feet or so. 1000 square feet is considered a big place and you'll pay extra for it. Refrigerator is just like US, though typically smaller. Common to have a microwave. If it doesn't come with the place, you can buy one easily enough. Stove s are usually gas. But they don't pipe gas in like in the US. You have a big tank under the counter and when it runs out you call a gas company to refill it. Oh, you don't drink the tap water. It isn't filtered and processed here like in the US. Tap water is for washing. Drink bottled water. Most middle class and upper homes have a water dispenser with a big jug. Like offices used to have in the US. Ours has a hot water dispenser, it heats a cup or two of water at a time, which is really handy for tea or instant coffee. Internet is readily available. I'm paying $35 per month for 200 mbps. That's roughly typical in the cities," said one expat who made the move to Cebu.

"I have three property experiences in the Philippines. I'll start with the rental townhouse in Cebu City. It was a great size with a large kitchen area and living room and dining area, two 15'x12' bedrooms... but sadly became flooded every time there was heavy rain. We were at a low point of the neighborhood. Next was the townhouse in Naga City. It belongs to my ex-wife's family. I renovated it for my wife and daughter to live in while she attended nursing school. After throwing $12,000 at it, and with the help of my very talented and trustworthy brother in law, it came out beautifully. Third is my current fiancée's family's home in Negros. I retire next year, so I haven't spent any time in the house, but another 12-15,000 US later and wala! Another masterpiece. I transformed what was only a boxed in frame of a house into two bedroom, beautiful bathroom, and added kitchen WITH a dirty kitchen as well," explained one expat living in Philippines.

"Because our area is in the tropics and and typhoons are a possibility along with termites I had the home made with concrete and steel construction. There is very little wood. We were living here when typhoon Yolanda struck in November 2013. It was the highest recorded winds in Philippine history. Our only damage was our rain gutters were damaged and some older trees came down," said one in Isabel.

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What is the average cost of housing in Philippines?

If you are thinking about moving to Philippines, cost of living in probably a key consideration. Expats commented about the cost of housing:

"I live in Cagayan De Oro City, Gusa. I have a 4 bedroom 2.5 bath house that I can park 4 SUV's in the driveway. It is a gated and armed guarded complex. I pay 300 usd plus electricity and water. I buy cooking gas every 3 months," remarked one expat who made the move to Philippines.

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Should I buy or rent a home in Philippines?

If you have not spent a lot of time in Philippines, you should rent before even thinking about buying. We asked expats there about the buy vs. rent decision:

"Whether to buy or rent a home in the Philippines is a decision that should be made based on one's individual circumstances. Buying a home allows for more stability, as monthly payments remain the same and may even decrease as a result of amortization. On the other hand, renting a home can be more convenient, as one can switch properties more easily and have less responsibility with maintenance and repair costs. Both options have their merits, and the decision should be based on factors such as lifestyle, budget and expected length of stay in the country," remarked one expat who made the move to Philippines.

"I am renting with an eye on building something on leased land. It is made difficult, mostly by cheap available rents," explained one expat living in Cebu City, Philippines.

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What should I pack when moving to Philippines?

We asked people living in Philippines to list three things they wish they had brought and three they wish they had left behind. They responded:

"AN exit plan!!!! 50% end up leaving that country due to the stupidity. I swore when i moved there it was forever.. LOL oh what fool I was," explained one expat living in Davao, Philippines.

"You can buy great generators, water heaters, and mattresses here, but surprisingly, they cost as much as in the USA. Leave winter garments, unless you're planning vacations to Europe or such. Transformers? Not where I live, which is basically Laguna. Nor should you need them in the National Capital Region. Your favorite toiletries? They have them where I live. I can even buy Vicks 44 and Robitaussin here. Some construction materials, car repairs, and kitchen equipment are cheaper, but not necessarily furniture. Cars cost the same as in the USA and are the poster child for horribly unfair wages vs prices. Once you hit the provinces on other islands, much of this goes out the window. Want to know why there are so many jeepneys and motorbikes? It's what people can afford. Sorry, getting carried away. In short, there is nothing in the USA you can't get here, whether in-store or online. One warning; traveling anywhere in the PI, bring paper or tissues. Also, even in some of the nice places, there are no toilet seats," said one expat in Philippines.

"I have totally different advice on what to bring than I've seen from others. Will you need light weight clothing? Yes. Do you need to buy such clothes in America and bring them here with you? No. You can buy any clothes you need here. Ditto most of TBE things people advise you to bring. If you need it here, you can buy it here. I suggest: 1. Bring anything of sentimental value to you. If you have some cherished item that can't be replaced, bring it. But mostly 2. Bring things that are cheaper in the west than here, like electronics. Bring your laptop if you have one. That sort of thing," said one expat who made the move to Cebu.

"When moving to the Philippines, it is important to pack light but be prepared for all kinds of weather. Clothes and other items such as beachwear and raincoats should be included, as temperatures can vary widely throughout the year. Additionally, due to the tropical climate of the Philippines, it is important to pack insect repellent and mosquito nets. Be sure to bring basic toiletries, sunscreen, and any medications that may be necessary while living in the Philippines. Electrical adaptors and converters will also be needed to use any electronic items brought with you, such as laptops or phones. Finally, basic kitchen supplies and cooking equipment will help ensure a smooth transition once the move is complete," explained one expat living in Philippines.

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What cultural faux pas should I try to avoid making in Philippines?

We asked people in Philippines if they could share any humorous cultural blunders they commited. For new expats, keep in mind that these incidents are an inevitable part of expat life. Learning to laugh about them is the key!:

"1. I had my "what the crap am I doing in this country?!" moment in the middle of a small mall in a rural province, including full-on sobs. That was an interesting moment of my life. *ahem* 2. I have gotten in trouble over food before. I *hate* fish and seafood, and in a country where the people both eat a lot of those foods AND like to feed other people, I know I have caused offense by refusing to try certain dishes. At this point, I claim it's an allergy and people aren't offended when I say no. If you do try something, never, NEVER insult it or insinuate that you don't like it. Even if it is cake with cheese on top. 3. Once, I got so out-of-my-mind frustrated with an employee in a store that I started yelling at him. I very, very rarely ever get to the point of yelling. It's happened maybe twice before this story. But it was a very frustrating situation, and getting that point would have been understood in the US. Here, if you get to that point, you can instantly see that the person you are yelling at has lost all respect for you. You are acting like a child and you've given them permission to completely ignore you at that point. The more frustrated you are, the more polite you need to get if you expect to get anything done. 4. All of that said, the most embarrassing series of events I ever witnessed was when we went away with 3 other American couples for a weekend. Two of the other ladies decided they didn't like the music playing in the seaside restaurant where we were having dinner, so they went over and plugged in an ipod to the sound system and just took it over. The staff didn't know what to do, so they just let them do it, but the quality of the service we received from that moment forth was awful. Later, we went on a boat ride over the ocean and up a river a little ways to see the stars and some fireflies and the whole time, these people were filling the beautiful night with loud insults about the Philippines and jokes about poop like they were 12 year-olds. I don't know what they were thinking. If your behavior would brand you as a self-centered moron in your home country, then the fact that you act that way in a foreign country and think it's ok because you are paying the people around you or you assume they can't understand what you are saying makes you a complete and total ingrate. Don't do those things," said one expat in Alabang.

"There was this mentally ill woman that staked me out as her "territory". She threatened to hurt my wife and I started yelling at her in the street. Told her she was nuts and to stay away. She listened and continues to to stay away," remarked one expat who made the move to Santa Rosa City, Laguna.

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Why do people move to Philippines?

When we asked people why foreigners move to Philippines, they responded:

"Foreigners mainly move to Manila because of the low living costs and the fact that many people in the Philippines speak English. Beside that people generally are friendly," said one expat.

"Many expatriates in Angeles City are former military men hailing from the U.S., and most are married to local women. Other expats move there for the low cost of living," said one expat living in Angeles City, Philippines.

"Foreigners mainly DO NOT move to Manila. It's crowded, dirty, crime is high, and more expensive than any other area to live in. Negros, and Cebu is the main areas now. They are building up, more and better services, great hospitals, great doctors, and lower prices on everything. Don't fall for Manila or country thing unless you are from the country," offered one expat living in Philippines.

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How are healthcare services Philippines?

When we asked expats and global nomads about the quality of medical care in Philippines, they replied:

"Healthcare services in the Philippines are provided by both public and private institutions. The public healthcare system is funded by the government and is available to all citizens and legal residents. The quality of public healthcare varies depending on the region, but generally it is considered to be of a lower standard than private healthcare. Foreign residents are able to access the public healthcare system, but they may need to pay for some services. Expats in the Philippines typically use private healthcare services, as they are more reliable and of a higher quality. However, some expats may choose to use the public healthcare system if they are unable to afford private healthcare," commented one expat who moved to Philippines.

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What are medical services in Philippines like?

When we asked expats and global nomads about the quality of medical care in Philippines, they replied:

"The healthcare system in the Philippines is largely privatized, with a mix of public and private hospitals and clinics providing medical services. The quality of care varies depending on the facility, but generally, the medical services available in the Philippines are of a high standard. The country has a wide range of specialists and medical professionals, including doctors, nurses, and pharmacists, who are able to provide a range of treatments and services. The cost of medical services in the Philippines is generally lower than in other countries, making it an attractive option for those seeking medical care," replied one expat when asked about moving to Philippines.

"Competent doctors. Took an appointment a week in advance for an MRI that was needed immediately," stated one expat who made the move to Cebu.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

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SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
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SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
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