Moving to Philippines
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.
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.
"Don't move in now unless you have a good contract stating details about deteriorating security. Move into Alabang since there is a brand new hospital. Prepare to pay for everything while in hospital. American style. No pay, no treatment," explained one expat living in Manila, Philippines.
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," remarked one expat in Manila, Philippines.
"My wife's father whom has lived all his life in our area helped to find the property as I wanted to overlook the ocean from our new home. I had a new home built to my spec's so when we arrived the house was good to go," said one expat in Isabel.
"One of the best ways to find a place to live in the Philippines is to use an online rental marketplace such as looloo.com, housing.com.ph, or property24.com. These sites allow you to search for available rental properties according to your individual needs, such as location, size, budget, and amenities. Additionally, you may want to consider using the services of a real estate agent who is familiar with the property market in the area you are interested in residing. A real estate agent can provide valuable advice and can make your search for a suitable residence easier. You can also find listings for rentals in newspapers as well as online classifieds such as OLX or Airbnb. Finally, you can also network with friends and families to see if anyone has a vacant apartment or house for rent," remarked one expat who made the move to Philippines.
What is a typical expat home or apartment like in Philippines?
"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," said one expat 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," said one expat who made the move to Philippines.
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:
"The cost to build or purchase a home here in the Philippines overlooking the South China Sea is a small fraction of what the cost would have been in the San Diego area where we used to live. The lot is one half acre and we paid $1,800 USD. The same size lot on the ocean in San Diego, California would cost over one million USD," commented one expat who made the move to Isabel.
"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 in Philippines.
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 in Philippines.
"I am renting with an eye on building something on leased land. It is made difficult, mostly by cheap available rents," said one expat in Cebu City.
"Bought a nice 2 bedroom home, but the title had liens dating back to 1965 so it was not conveyed. We have a lawyer working on that who will petition the court to expunge these encumbrances and issue a new clean title," remarked one expat who made the move to Prudential Village, Daliao, Davao City.
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," remarked one expat in Davao, Philippines.
"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," said one expat in Philippines.
"A lot of patience and lowered expectations. The Philippines is after all a developing/3rd world country. It takes a lot of head scratching and acceptance to live here but I still like and enjoy it. Just don't expect efficiency, fairness or sensibility among other things. It takes a while to adjust to the way things are done in the PI," remarked one expat who made the move to Davao.
"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," explained one expat living in Philippines.
"I wish I had brought:
1) My gun
2) Our Indonesian maid
3) Kidnap insurance
I wish I had left home:
1) Writing material. Post-office system is too slow (3 weeks minimum)
2) Computer, ISP is terrible, and the air pollution is eating away the internals
3) My wife. Half joke, but she (Japanese) cannot understand the lack of ethics in this country and is the reason we move out. I like it here very much due to the fun loving people,"
said one expat in Manila.
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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," explained one expat living in Alabang, Philippines.
"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," said one expat in Santa Rosa City, Laguna.
"One thing never ever mentioned is the Mal de Ojo supersition that YOU, as a stranger or a visitor, unsuspectingly placed a hex or evil eye to mainly a child or even an adult. As having been raised in tbe West, it is so easy to praise or coochie coo a child you meet, but do not automatically touch/pat the head/hug/even pay too much attention, etc unless the accompanying person offers the child or self for you to do so. If not, if that child or adult get sick soon after, it will be attributed to the evil eye placed on the subject, albeit unknowingly. I've had people calling me to stop by and put my saliva on the tummy or forehead of the afflicted person. I don't come across this from Westernized Filipinos but I've heard from others it may even be a superstition that can be heard from affluent people from MetroManila," said one expat who made the move to Philippines.
Why do people move to Philippines?
When we asked people why foreigners move to Philippines, they responded:
"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," said one expat living in Philippines.
"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," offered one expat living in Manila.
"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," wrote one expat living in Angeles City.
"Personally I moved there because I like the ocean. The water is warm so no wet suit needed. Most people speak English, my native language. Most people there are nice and helpful. Older people are respected. I built 2 dwellings for less than $9.00 per foot," commented 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:
"I just spent 5 days in the Bacolod Riverside Hospital. I woke up in the middle of the night with an excruciating pain in my ankle, it felt like someone hit it with a hammer. The next morning it was double in size swollen up. I had previously seen this doctor in Bacolod an went to him to see what was up. He looked at it and immediately had me go to the ER and had me admitted. I spent days there to find out I had Peripheral Arterial Disease. I saw five specialist during my stay and was very impressed by them. The total cost was approximately $3,400.00 and they got my leg back to normal," remarked one expat in Philippines.
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," remarked one expat in Philippines.
"Competent doctors. Took an appointment a week in advance for an MRI that was needed immediately," wrote one expat living in Cebu.
About the Author
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.
Other Questions:
- What should I pack when moving to Philippines?
- Where should I setup a bank account in Philippines?
- Will I be able to find a job in Philippines?
- What is life like as an expat in your area?
- What do expats in Philippines appreciate most about the local culture?
- What do expats find most challenging?
- Is there a lot of crime in Philippines?
- Is there a lot of diversity? Are people in Philippines accepting of differences?
- What are the schools in Philippines like?
- How are healthcare services in Philippines?
- What are medical services in Philippines like?
- Are healthcare and health insurance expensive in Philippines?
- What are emergency services like in Philippines?
- Will I need to travel to see a specialist?
- Are common prescription medications available in Philippines?
- How are local medical facilities in Philippines?
- As a foreigner living in Philippines, will I have access to public healthcare? What is it like?
- What have your experiences during the pandemic with the local healthcare system been like?


