Palawan Island, Philippines

Living in Philippines

By Betsy Burlingame

Last updated on Jan 15, 2025

Summary: The population of Philippines is approximately 108 million people. The largest cities in Philippines are Manila, Quezon City, Davao City, Cebu City, and Zamboanga City. Expats love living in Philippines for its friendly people, beautiful beaches, and tropical climate. Life in Philippines is often described as laid-back and relaxed. Popular foods in Philippines include adobo, sinigang, kare-kare, and lechon. The cons of living in Philippines include the high cost of living, traffic congestion, and air pollution. The average cost of living for an expat is around $1,000 to $2,000 per month. This includes rent, utilities, food, and transportation.

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What do I need to know about living in Philippines?

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

"Electricity still the major issue - install a solar panel. Communication and internet is improving - StarLink is already available. Road Network is improving - new roads open and cemented," said one expat who made the move to El Nido.

"Be patient. Learn to accept "indirectness" as a form of communication. Just because someone doesn't tell you something, it doesn't mean they aren't telling you something. Listen with all your senses," explained one expat living in Manila, Philippines.

"I have lived on Palawan for over 20 years and that information is not up to date. We have fine hospitals unless you are looking replacements then go to Cebu. Shopping in 3 large centers plus the usual. I have never had any trouble except minor stuff. The police were good. Great place; for me at least," mentioned one in Palawan Island.

"1. It is important to understand the local culture prior to retirement in the Philippines, as etiquette and lifestyle will differ from other countries. 2. Expats should research the cost of living in the Philippines before settling in, as certain locations will have higher living costs than others. 3. Due to the very humid climate in the Philippines, expats should invest in air-conditioning and fans in order to remain comfortable during hot days. 4. English is widely spoken across the Philippines, though expats may benefit from learning some Tagalog in order to converse with locals more easily. 5. Access to healthcare in the Philippines is generally good, with reliable infrastructure across major cities. 6. Expats may need to apply for a visa prior to retirement in the Philippines, so it is important to check all relevant visa requirements," explained one expat who made the move to Philippines.

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How do I meet people in Philippines?

When we asked people living in Philippines about club and activities where newcomers can meet others, they responded:

"To get involved right away, join the very active American Women's Club. It's also for men here who have to leave their wives at home in the U.S," wrote a member in Manila.

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What is life like in Philippines?

When we asked people living in Philippines what life is like and how people spend their time, they said:

"On the weekends most people go out shopping in the huge malls to socialize and then go out to eat in one of the many restaurants and fast food places. Along with the Filipino restaurants, there are franchises from every corner of the world, so there is something for everyone. Everyone goes out Friday night after work, so there are traffic jams all over Manila," explained one expat living in Manila, Philippines.

"I live outside of Butuan in the province area on Mindanao, it's very nice and quiet. My asawa and I are taking short trips around Asia. We just got back from Indonesia a few months ago and will be going to South Korea. Our electric bill runs around 4,000 php to 4,500 php (80-90 USD) a month, internet - 1,700 php (about 34.00 USD) a month. Would love to hear from others on how they are doing. I'm 73 and ready to take on the world Lol," said one expat in Philippines.

"Living as an expat or digital nomad in the Philippines is an attractive option for many people due to the country's tropical climate, beautiful beaches, hospitable people, and relatively low cost of living. Expats and digital nomads tend to be welcomed with open arms and quickly integrate into the local communities. Due to its popularity, the Philippines has enjoyed steady and fast-paced economic growth and modern infrastructure. This provides expats and digital nomads with a comprehensive choice of activities, conveniences, and a relatively well-connected transport system. The Philippines also offers a wide variety of culinary experiences, having inherited flavours from different eras of its history, allowing expats and digital nomads to enjoy the freshest seafood, the most exciting spices, and the best choice of local and international dishes," said one expat who made the move to Philippines.

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Is there a lot of crime in Philippines?

We asked people if there is a lot of crime. They answered:

"The Philippines has been reported to experience a significant amount of crime. Crime includes activities such as robbery, murder, drug trafficking, corruption, and kidnapping. The authorities are making efforts to address the crime problem through law enforcement and public awareness campaigns," wrote a member in Philippines.

"I checked statistics and the crime rate in the Philippines is slightly lower than the US. Just like in the US, crime is higher in the big cities than in the country. And just like anywhere, there are safe places and there are dangerous places. If you walk around a bad section of town at 2 am wearing expensive jewelry and with a bulging wallet in your pocket, well, you're asking for trouble. I saw a list of safest places in the Philippines and #1 was Devau. Cebu was also high on the list, I think number 3. parts of Manila were rated very safe and parts very dangerous. Most dangerous are parts of western Mindinao, where Muslim terrorists operate. Every mall and bank has armed guards, so they are very safe. I have an apartment in a gated community with a wall and guards. Many upscale apartment buildings and condos also have good security. I have never been a victim of any sort of crime here, except maybe some small time scams like being overcharged for a service. I have never witnessed a crime here. I've heard other exists talk about whether they "feel safe". but feel based on what? I'm sure lots of people in dangerous places feel safe until n the moment they're attacked, and I've often heard people in the US talk about how they " felt threatened" when some big man walked near them even though they had no idea if he was a criminal or a priest," commented one expat who made the move to Cebu.

"Live in a highend subdivision that INFORCES its rules and regulations. There is a reason EVER single house has an 8 ft wall and barbed wire around the top.," remarked one expat living in Davao, Philippines.

"Petty crime, but I am alert to avoid it. Cebu is safer than most American cities," wrote one member in Cebu City.

"There are scams in bars, and some places I would not walk at night. I avoid the Muslim areas. I am not easily intimidated. Foreigners cannot own guns. But my wife can. Our house has very effective perimeter security," remarked one expat who made the move to Prudential Village, Daliao, Davao City.

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Is there a lot of diversity? Are people in Philippines accepting of differences?

"The Philippines is a country with a diverse population and culture. There is a substantial mixture of ethnic groups, religions, and languages in the country. People in the Philippines are usually very accepting of cultural, religious, and national differences. The Philippines also has a vibrant LGBT community that is accepted and embraced by the rest of society. In general, the people of the Philippines are tolerant and welcoming of different backgrounds and beliefs," commented one expat who made the move to Philippines.

"Religous, primarily Catholic. Church and religion are an integral part of life. They don't separate religion from work life," remarked one expat living in Manila, Philippines.

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What are the schools in Philippines like?

"The International School Manila is one of the best international schools in the Philippines. It is located in Taguig City, Metro Manila and offers a complete American-style curriculum to students from Kindergarten all the way through Grade 12. It also provides an international program for students who require additional resources for academic success. The British School Manila is another international school worth noting. Located in Taguig City, it offers an international curriculum from Early Years all the way up to Grade 13, providing an excellent foundation for university-level study. It also teaches English as an Additional Language and English as a Medium of Instruction, making it great for those looking to become proficient in English. The Chinese International School Manila is a great choice when it comes to bilingual schools in the Philippines. Located in Taguig City, the school provides a combination of both Chinese-English bilingual instruction for students from Kindergarten all the way through to Grade 12. It also offers an International Baccalaureate Program to ensure students receive a well-rounded, world-class education. The De La Salle Santiago Zobel School is another excellent bilingual school in the Philippines. Located in Muntinlupa City, it offers both Filipino and English collegiate classes and subjects. The school provides an excellent of academic excellence, as well as a focus on instilling core values of honesty, respect, and patriotism," explained one expat living in Philippines.

"Since January of 2012, the school has had a metamorphosis, evolving into a first-class international school.....If you want to challenge your child academically, giving them the opportunity of a well-rounded education, you need to visit Noblesse International School...," said one parent with children at Noblesse International School in Angeles.

"Since it is a small school, easier to make friends and parents are welcoming, as well as the teachers. It's like a family, no bullying. Academically, there are homeworks so kids can learn more. Also, since it is a Chinese international school, kids will be taught Chinese culture and Mandarin language. My experience is Grade 1 -5 and so far I am satisfied. What the school lacks in facilities, they compensate with caring teachers/staff and good curriculum. For elementary, I do recommend it," commented one expat when asked about Chinese International School Manila in Taguig.

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Is the cost of living in Philippines high?

We asked people how much they someone comfortably live on in Philippines, they wrote:

"The cost of living in the Philippines can vary depending on the city and lifestyle of each individual, but in general prices are considered to be generally low. Groceries and everyday items can be found at very reasonable prices compared to other countries in the region. Many foreigners find that they can easily afford basic necessities, such as housing, transportation, and food, while still having money left over to explore the many attractions and recreational activities that the Philippines has to offer," said one expat in Philippines.

"For Air conditioning, internet, phone, cable TV, water, tax, transportation, pharmacy, food and hardware, and all extras cost me $1200 Canadian dollars a month," said one expat who made the move to Prudential Village, Daliao, Davao City.

"That's a difficult question. It all depends on the retiree's needs and his ability to live within his means. I believe that one can make it work at almost any income level if they are willing to make the appropriate sacrifices," explained one expat living in Angeles City, Philippines.

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"Living costs including the lease of a small furnished apartment depend on where the apartment is located. In a non luxurious area they normally do not exceed 1200 USD per month. Public transportation is cheap," said an expat in Manila.

"One can live on a tight budget when shopping at local markets, buying local produce. Affordable accommodation can be easily found and a 2 bedroom house can be rented at US 200 dollars a month," remarked one expat in Angeles City.

"The cost of living in Philippines is generally considered affordable compared to many other countries. However, the cost of housing, transportation and restaurant meals may be higher in big cities like Manila, Cebu and Davao City compared to the rest of the country. The rental price for a nice 1 bedroom apartment in Philippines is approximately $250-$350 USD per month, while the rental price for a nice 2 bedroom apartment is approximately $400-$600 USD per month. The cost of dining out at a moderately priced restaurant in Philippines is around $15 USD per person," wrote one expat living in Philippines.

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What type of recreational facilities are in Philippines?

When we asked people living in Philippines about recreational activities, they mentioned:

"Swimming can be done in the public pool of a sports stadium rather close to where I am living. Golfing in a nearby golf course by members of the golf club. Hiking in a public park nearby," said an expat in Manila.

"There's a great golf club and driving range in the CutCut area and it's patronized by expats and locals alike. All top hotels have swimming pools that offer daily rates to casual visitors and many have a kids play area. All suburbs have a football/ sports pitches, but are not always well maintained. Unfortunately, there are few sports clubs," remarked one expat in Angeles City.

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What is the weather like in Philippines?

"It's almost always hot, but it does cool down in the evenings. Typhoons blow in on occasion, but there are always public warnings to keep the public informed of the dangers," remarked one expat living in Angeles City.

"There are two main seasons. The rainy and the dry season. The rainy season is characterized by frequent typhoons (July - December) The dry season is very hot and humid (January - June)," said one expat living in Manila.

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Are there good restaurants in Philippines?

"One of the most popular restaurants in the Philippines is the Gerry's Grill. Located in various cities across the country, Gerry's Grill is known for its Filipino-style seafood dishes, such as grilled squid, shrimp, and fish. The restaurant also serves a variety of other dishes, including pork, beef, and chicken. The atmosphere is casual and relaxed, making it a great place to enjoy a meal with friends and family. Another popular restaurant in the Philippines is the Max's Restaurant. Founded in 1945, Max's is a Filipino-style fried chicken restaurant that has become a national favorite. The restaurant serves a variety of dishes, including fried chicken, pork, beef, and seafood. The atmosphere is casual and inviting, making it a great place to enjoy a meal with friends and family. Finally, the Jollibee restaurant chain is a popular choice for Filipino diners. Founded in 1975, Jollibee is a fast-food restaurant that serves a variety of dishes, including burgers, fried chicken, and spaghetti. The atmosphere is casual and fun, making it a great place to enjoy a meal with friends and family," remarked one expat living in Philippines.

"All hotels have nice restaurants and local canteens offer inexpensive dishes. Korea Town has a wide choice of Korean, Japanese, Italian, Filipino restaurants and offer the best service in town," said one expat living in Angeles City.

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Where will I buy groceries and do other shopping in Philippines?

"There are large supermarkets dotted all around the city and there are numerous markets with fresh produce. Shopping malls, with all the latest gear, as well as nice affordable gear are found in most areas," commented one expat living in Angeles City, Philippines.

" Shopping for almost anything is plentiful, in excellent malls. Malls here can compete globally with both the Mall of America and the Dubai Mall. One HUGE caution. Pricing here is just as expensive as those malls. You can certainly shop cheaper in the smaller stores and in the provinces off the mainland, such as Ozamis and La Nao Del Norte where I am visiting, but the options are much less, though fresh veggies are in abundance. Next caution, many provinces do not accept credit cards, even for hotel stays. No such problem in Manila (for the most part). Lastly, the green peas here are not tasty, no lima beans in sight, and recently due to a corruption scam at highest levels no onions were available for a month," remarked one expat living in Philippines.

"People living in the Philippines typically buy groceries and do other shopping at local markets, supermarkets, convenience stores, and department stores. Many people also shop online for groceries and other items. Additionally, there are many street vendors and small shops that offer a variety of goods," said one expat living in Philippines.

"Shopping can be done in malls or markets. They are located in practically all cities in Metropolitan Manila," mentioned one expat inManila.

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What are the visa & residency requirements in Philippines?

"A residency permit can be obtained through a yearly quota system or if you are married to a local person- on the basis of the marriage. Foreign visitors upon their arrival in the Philippines are granted a free tourist visa for 30 days, which may be extended to 59 days through the immigration. Before the expiry of the 59 days visa the foreign visitor may extend his/her visa to 60 or 180 days more. The tourist visa maybe further extended up to 3 years," said one expat.

"Most passports are given a three month visa on arrival and one can arrange longer stays through the many visa agents found in most hotels," commented one expat living in Angeles City, Philippines.

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Are healthcare and health insurance expensive in Philippines?

"We do not have health insurance, except for PhilHealth through my husband's work. It pays for hospital stays, but there are a lot of out-of-pocket costs. However, these are not high - we are fortunate in that we have not needed any kind of major medical treatments. Something like advanced-stage cancer would have to be handled in Manila and would cost us in the realm of USD 5000 - 10,000, I'd estimate. Primary health care, like bandaging of wounds, bronchitis, and the like is free to all comers," wrote one expat living in Bontoc.

"Cebu city health care is very affordable. Good, top doctors compared to the U.S. When you are hospitalized and you ring for a nurse for help, you immediately get help - not one nurse but sometimes 3. We have a good experience in Cebu," commented one expat who moved to Cebu.

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SJB Global

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. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

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SJB Global

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. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

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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.

SJB Global
SJB Global

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 GlobalSJB Global

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.
Learn More

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