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Moalboal, Philippines: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Moalboal | Expat Exchange
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Moalboal, Philippines

By Betsy Burlingame

Last updated on Sep 05, 2023

Summary: Expats, digital nomads and retirees talk about what it is really like living in Moalboal, Philippines. They offer advice about meeting people, cost of living, finding a home and more.

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What do I need to know about living in Moalboal?

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

"Expats considering retirement in Moalboal, should be aware that the cost of living is significantly lower than in many Western countries, making it an attractive option for those on a fixed income. However, they should also be prepared for a slower pace of life and a different cultural environment. English is widely spoken in the Philippines, but learning some basic Cebuano phrases can be beneficial for daily interactions. The healthcare system in the Philippines is generally good, but it may not be up to the standards that some Western expats are used to. It's advisable to have comprehensive health insurance that covers medical evacuation, in case of serious illness or injury. The climate in Moalboal is tropical, with high temperatures and humidity year-round, and a rainy season from June to November. Expats should be prepared for this, and for the possibility of typhoons during the rainy season. Moalboal is known for its beautiful beaches and excellent diving opportunities, so it's a great location for those who enjoy outdoor activities. However, it's a small town with limited entertainment options, so it may not be suitable for those who crave a bustling city life. The Philippines has a relatively high crime rate, but Moalboal is generally considered safe. Still, expats should take common-sense precautions to protect their personal safety and belongings. Finally, expats should be aware that the process of obtaining a retirement visa in the Philippines can be complex and time-consuming. It's advisable to seek legal advice to ensure that all requirements are met," said one expat who made the move to Moalboal.

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What do I need to know before moving to Moalboal?

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

"Expats moving to Moalboal should be aware that the town is a popular tourist destination known for its beautiful beaches and diving spots. English is widely spoken in Moalboal, making it easier for expats to communicate with locals. The cost of living is relatively low compared to Western countries, but it's still higher than in other parts of the Philippines due to its popularity with tourists. Expats should also know that the healthcare facilities in Moalboal are basic, so for serious medical conditions, they may need to travel to Cebu City. Public transportation is available but can be crowded and unreliable, so many expats choose to rent or buy a motorbike for getting around. The weather in Moalboal is tropical, with a rainy season from June to November and a dry season from December to May. Expats should be prepared for high humidity and occasional typhoons. The local cuisine is heavily based on seafood, rice, and tropical fruits, and Western food is available but can be more expensive. Finally, expats should be aware that while Moalboal is generally safe, they should still take standard precautions to protect their personal safety and belongings," said one expat who made the move to Moalboal.

How do I find a place to live in Moalboal?

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

"Finding a place to live in Moalboal involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from a simple room rental to a more luxurious beachfront villa. Next, you should research the different areas in Moalboal. The town is divided into several barangays or neighborhoods, each with its own unique characteristics. Some popular areas include Panagsama Beach, known for its vibrant nightlife and diving spots, and White Beach, which is quieter and more residential. Once you have a clear idea of where you want to live, you can start looking for available properties. There are several online platforms where you can find listings, such as Lamudi, Dot Property, and Property24. These websites allow you to filter results based on location, price, and type of property. In addition to online listings, you can also contact local real estate agents. They have extensive knowledge of the local market and can help you find properties that match your criteria. Make sure to communicate your needs and preferences clearly to your agent. When you find a property you're interested in, arrange a viewing. This will give you a chance to inspect the property and the surrounding area. Pay attention to the condition of the property, the availability of amenities, and the overall atmosphere of the neighborhood. Before signing a lease or purchasing a property, make sure to read the contract carefully. If you're not familiar with Philippine real estate laws, consider hiring a lawyer to review the contract. Finally, once you've found your ideal home and everything is in order, you can proceed with the necessary paperwork and payments. Remember to keep all receipts and documents for future reference," explained one expat living in Moalboal, Philippines.

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

"A typical expat home or apartment in Moalboal, is often located near the beach, offering stunning sea views. These homes are usually fully furnished, featuring a mix of modern and traditional Filipino design elements. The living area is spacious, often with an open-plan layout that includes a dining area and a fully equipped kitchen. Bedrooms are comfortable, often air-conditioned, and come with ample storage space. Bathrooms are usually equipped with hot and cold showers. Many homes also have outdoor spaces like balconies or patios, perfect for relaxing and enjoying the tropical climate. Some properties may also include amenities like a private pool, garden, or access to a community clubhouse. Security is typically good, with many homes located within gated communities. Despite being in a relatively rural area, these homes often have reliable internet access, making them suitable for remote work," explained one expat living in Moalboal, Philippines.

What is the average cost of housing in Moalboal?

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

"The average cost of housing in Moalboal can vary greatly depending on the type of accommodation. For a simple, local-style house or apartment, the monthly rent can be quite affordable. However, for more luxurious villas or beachfront properties, the cost can be significantly higher. On average, one might expect to pay a moderate amount for a decent house or apartment in Moalboal. It's also important to note that buying property can be a complex process for foreigners in the Philippines, so many choose to rent instead," wrote one member in Moalboal.

How do I meet people in Moalboal?

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

"Expats in Moalboal often join diving clubs due to the area's renowned marine biodiversity. These clubs not only offer diving lessons and excursions but also serve as social hubs where expats can meet and interact with each other. Other popular activities include joining yoga classes, cooking classes, and language exchange groups where expats can learn the local dialect while teaching English or their native language. In addition to clubs and classes, expats often meet people through community events and festivals. Moalboal is known for its vibrant local culture and regularly hosts events that attract both locals and foreigners. These events provide a great opportunity for expats to immerse themselves in the local culture and meet new people. Expats also meet people through volunteering. There are numerous non-profit organizations and community projects in Moalboal that welcome the help of foreigners. Volunteering not only allows expats to give back to the community but also to meet like-minded individuals. Another way for expats to meet people in Moalboal is by frequenting local establishments such as cafes, bars, and restaurants. These places often become social hubs where expats can meet and interact with both locals and other foreigners. Some establishments even host special events like trivia nights or live music performances that attract a diverse crowd. Lastly, online platforms and social media groups also play a significant role in helping expats connect with each other. There are several online communities and forums specifically designed for expats living in Moalboal where they can share experiences, ask for advice, and arrange meetups," said one expat in Moalboal.

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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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What should I bring when moving to Moalboal?

People living in Moalboal were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Moalboal, it's essential to pack lightweight and breathable clothing due to the tropical climate. Include a mix of short-sleeved shirts, shorts, and light dresses. Don't forget to pack a swimsuit or two, as Moalboal is known for its beautiful beaches and diving spots. A hat, sunglasses, and a high SPF sunscreen are also must-haves to protect yourself from the sun. Pack a sturdy pair of sandals suitable for walking on the beach and a pair of comfortable shoes for exploring the town. A light rain jacket or umbrella is also recommended, as the Philippines experiences frequent rain showers. Bring along your necessary toiletries, but remember that most items can be purchased locally. However, if you have specific brands or products you prefer, it's better to bring them with you. Don't forget to pack your necessary documents, such as your passport, visa, and other identification. It's also a good idea to have copies of these documents. If you plan on diving, bring your certification card and logbook. You may also want to pack your own snorkeling or diving gear, although these can be rented locally. Pack a basic first aid kit with band-aids, antiseptic wipes, and any necessary prescription medications. It's also recommended to bring a water bottle to stay hydrated, and a reusable shopping bag, as the Philippines is trying to reduce plastic usage. Lastly, bring a good quality camera or smartphone to capture the beautiful scenery and memories of your time in Moalboal," explained one expat living in Moalboal, Philippines.

Where should I setup a bank account in Moalboal?

We asked expats in Moalboal what banks they use and there advice about banking. They advised:

"Expats considering retirement in Moalboal, should be aware that the cost of living is significantly lower than in many Western countries, making it an attractive option for those on a fixed income. However, they should also be prepared for a slower pace of life and a different cultural environment. English is widely spoken in the Philippines, but learning some basic Cebuano phrases can be beneficial for daily interactions. The healthcare system in the Philippines is generally good, but it may not be up to the standards that some expats are used to. It's advisable to have comprehensive health insurance that covers medical evacuation, in case of serious illness or injury. The climate in Moalboal is tropical, with high temperatures and humidity year-round, and a rainy season from June to November. Expats should be prepared for this, and for the possibility of typhoons during the rainy season. The Philippines has a high crime rate, but Moalboal is generally considered safe. However, expats should still take basic precautions, such as not displaying wealth openly and avoiding risky areas at night. Expats should also be aware that the Philippines has strict laws on drug use, with severe penalties for those caught in possession of illegal substances. Finally, while the Philippines is known for its friendly and welcoming people, expats should make an effort to respect local customs and traditions, to integrate into the community and avoid causing offense," explained one expat living in Moalboal, Philippines.

Will I be able to find a job in Moalboal?

When we asked people about industries and career opportunities in Moalboal, they reponded:

"In Moalboal, foreigners often work in the tourism industry, taking roles such as dive instructors, hotel or resort managers, and tour guides. Some also establish and run their own businesses like restaurants, bars, or souvenir shops. Others work in non-profit organizations, contributing to local community development and environmental conservation projects. There are also foreigners who work as English teachers, providing language lessons to locals and tourists alike," commented one expat who made the move to Moalboal.

What is life like in Moalboal?

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

"Life for expats and digital nomads in Moalboal is a unique blend of adventure and tranquility. The small town offers a laid-back lifestyle with a low cost of living, making it an attractive destination for those looking to work remotely. The local community is friendly and welcoming, and English is widely spoken, making it easy for foreigners to communicate and integrate. The town is surrounded by natural beauty, with white sandy beaches, crystal clear waters, and a vibrant marine life, providing plenty of opportunities for diving, snorkeling, and other water sports. The lush green landscapes and nearby mountains also offer great hiking and trekking experiences. For digital nomads, the internet connectivity in Moalboal is generally reliable, with several cafes and restaurants offering free Wi-Fi. However, power outages can occasionally be a challenge. The town also has a number of co-working spaces where digital nomads can work and network with other like-minded individuals. The local cuisine is a mix of Filipino and international dishes, with fresh seafood being a specialty. There are also several bars and restaurants where expats can socialize and enjoy the local nightlife. Despite its small size, Moalboal has a good range of amenities including supermarkets, pharmacies, and healthcare facilities. Public transportation is readily available, although many expats choose to rent a motorbike for getting around. Overall, life in Moalboal for expats and digital nomads is relaxed and enjoyable, with a good balance of work, leisure, and adventure," remarked one expat who made the move to Moalboal.

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What do expats in Moalboal appreciate most about the local culture?

"Expats in Moalboal often appreciate the warm and welcoming nature of the local people. They are known for their hospitality and friendliness, always ready to help or share a smile. The laid-back lifestyle is another aspect that expats enjoy. Life in Moalboal is slower and more relaxed compared to the hustle and bustle of big cities, which many find refreshing and stress-relieving. Expats also appreciate the rich cultural heritage of Moalboal. The town is filled with traditional Filipino customs and festivals, providing a unique cultural experience. The local cuisine is another highlight for many expats. Filipino food is diverse and flavorful, with a variety of fresh seafood, fruits, and local dishes to try. Lastly, the natural beauty of Moalboal is something that expats greatly appreciate. From the stunning beaches to the lush green landscapes, the town offers plenty of opportunities for outdoor activities and exploration," wrote one member in Moalboal.

What do expats find most challenging?

"Expats in Moalboal often find the language barrier to be the most challenging aspect of the local culture, as not everyone speaks English fluently. The slower pace of life can also be a challenge for those accustomed to a faster, more efficient lifestyle. The lack of certain Western amenities and conveniences can be difficult to adjust to. The local cuisine, which heavily features seafood and rice, may not suit everyone's taste. The tropical climate, with its high humidity and frequent rain, can also be a challenge for those not used to such conditions. Lastly, the local customs and social norms, which can be quite different from Western ones, may require some time and patience to understand and adapt to," wrote a member in Moalboal.

Is there a lot of crime in Moalboal?

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

"Moalboal is generally considered a safe place for both residents and tourists. Like any other place, it has occasional petty crimes such as pickpocketing or theft, especially in crowded areas. However, violent crimes are relatively rare. The local police force is active and responsive, contributing to the overall safety of the area. It's always recommended for visitors to take standard precautions to protect their belongings and personal safety," said one expat in Moalboal.

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

"Moalboal, is a small town known for its rich cultural diversity. It is home to a mix of different ethnic groups, each contributing to the unique cultural tapestry of the area. The locals are known for their warm hospitality and acceptance of differences, making it a welcoming place for people from all walks of life. The town's diversity is also reflected in its vibrant food scene, local festivals, and community events. Despite the differences in culture and traditions, the people of Moalboal live in harmony, respecting and celebrating each other's uniqueness," wrote one member in Moalboal.

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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. 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.

Click connect to have our partner contact you via e-mail and/or phone.

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. 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.
Connect

Click connect to have our partner contact you via e-mail and/or phone.

What are the schools in Moalboal like?

"Moalboal, is a small town known for its beautiful beaches and diving spots. It's not a major city, so it doesn't have a wide range of international or bilingual schools like larger cities such as Manila or Cebu. Most of the schools in Moalboal are public schools that follow the Philippine education system. However, there are some private schools and learning centers that offer English language courses. One of the notable institutions in the area is the Cebu International Language School (CILS), which is located in the nearby city of Cebu. CILS offers English language courses for both local and international students. The school provides a conducive learning environment with modern facilities and experienced teachers. Here is the link to their website: http://www.cilschool.com/ Another institution is the Harvest Christian School International in Cebu City. This school offers a Christian-based curriculum that is recognized internationally. They offer classes from preschool to high school and have a diverse student population. Here is the link to their website: http://www.hcsinternational.org/ For those looking for a bilingual education, the European International School in Cebu City is a good option. The school offers a curriculum that follows the International Baccalaureate (IB) program and teaches in both English and German. Here is the link to their website: http://www.eis-cebu.com/ Please note that these schools are not located in Moalboal itself, but in the nearby city of Cebu. It's common for students in Moalboal to commute to Cebu for school, especially for higher education or specialized programs," explained one expat living in Moalboal, Philippines.

"Moalboal, has a vibrant and lively social scene that caters to both locals and tourists. The town is known for its friendly and welcoming community, where locals are always ready to share a smile or a story. The nightlife is quite active, with a variety of bars and restaurants offering live music and local cuisine. The town is also a popular spot for diving enthusiasts, fostering a social environment centered around diving experiences and discussions. Festivals and public events are common, providing opportunities for socializing and immersing oneself in the local culture. Despite its small size, Moalboal has a diverse crowd, with a mix of locals, expats, and tourists from around the world, contributing to a multicultural social atmosphere," said an expat in Moalboal.

What advice to expats in Moalboal have about housing?

"Expats in Moalboal advise that it's important to visit the area first before deciding on a place to live. They suggest renting a place for a few months to get a feel for the area and to see if it suits your lifestyle. They also recommend checking out different neighborhoods as each has its own unique vibe and amenities. Expats also suggest negotiating the rent, as it is often possible to get a lower price than what is initially asked. They also advise to thoroughly inspect the property before signing any lease, checking for any damages or issues that might need fixing. It's also important to consider the proximity of the house to local amenities such as markets, hospitals, and schools. Some expats prefer to live closer to the town center for convenience, while others prefer the quieter, more rural areas. Expats also advise to be aware of the local customs and laws regarding housing. For instance, it's common in the Philippines for the tenant to be responsible for repairs and maintenance. Lastly, expats recommend building good relationships with neighbors and local community members. They can be a great source of information and support, and can help make your stay in Moalboal more enjoyable and fulfilling," commented one expat who moved to Moalboal.

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

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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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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